Risecredit, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/19/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44135	Web
On XX/XX/XXXX, I obtained a {$3500.00} loan from Rise Credit through their website, Risecredit.com. I was invited to apply for a larger loan after paying off a smaller loan from them in full. The terms of the loan were confusing, in that I was told I would be able to pay it off sooner and that the payoff would reflect monthly payments being applied both to principal and interest. The loan agreement also stated that my interest rate would not exceed 25 %. Specifically, Rise stated it was acting as a " CSO '' ( whatever that means, they were taking my payments and structured the loan so I don't understand this ). The loan agreement stated that Rise was charging me a fee for " helping you to obtain from an independent third-party lender ( the Lender ) an installment loan with an annual rate of interest not to exceed 25 %. '' My monthly payments were {$590.00}. I made a first payment on XX/XX/XXXX, and a final payment on XX/XX/XXXX. I made a total of 9 payments, totalling {$5300.00}. When I saw the payoff after my last payment in XXXX, Rise claimed I still owed {$3500.00}. The interest rate was much higher than the maximum rate of 25 % as promised in the loan agreement. Also, Rise did not apply any of my payments toward the principal. At the rate I was going, I was never going to pay it off, not even in the time period described. I believe Rise breached the loan agreement based on the above and misrepresented and/or provided loan documents that contained conflicting terms on what the loan was going to cost me.. Under the terms of the agreement, I was required to pay Rise via ACH authorization. In the loan paperwork, it states that I have the right to revoke that ACH authorization. So, in XX/XX/XXXX, I contacted my bank and instructed them to stop payment. Today, XX/XX/XXXX, I received a call from the XXXX County Clerk of Courts located in XXXX Ohio, indicating that they were planning to serve me with papers that included an affidavit for fraudulent conduct. He gave me an affidavit number, stated that it was being filed by " XXXX XXXX XXXX, '' and gave me a telephone number XXXX XXXX XXXX XXXX stating if I called them, they could order the paperwork revoked. The telephone I attempted the clerk gave me was for an out-of-state XXXX number. I immediately called the XXXX number. A woman answered " Law office. '' She did not identify the name of the office. I asked to speak to an attorney. She told me that she handles calls for several attorneys. She would not give me any names and asked for the affidavit number. I gave her an affidavit number and she connected me with a woman who identified herself as " XXXX. '' XXXX is not an attorney. She stated the attorney was out of the office. She refused to tell me the name of the attorney. She then told me that " they '' filed a criminal complaint against me for revoking the ACH authorization. She stated I broke the law because what I did was like " writing a bad check. '' She then said that I need to give her my telephone number and that the attorney would call me in 30 minutes. She said that she had authority to call the clerk and have the actions " temporarily dismissed '' but that I would have to pay the attorney {$4500.00} PLUS his attorney fees. In 30 minutes. I asked her for more information. She mentioned that an " arbitration was in process. '' I asked her what she meant by " in process. '' She then told me " Since you are such a smarty pants, forget it '' and said words to the effect that she was going to let them come get me and that I'll need to figure it out on my own. She then hung up on me. I still don't know who this attorney is or what the name of the office is. I was terrified that criminal charges were being filed against me. I believe I had every right to revoke the ACH authority. In fact, it states in the loan agreement that " This ACH authorization is a payment mechanism only and does not give us collection rights greater than those otherwise contained in this Contract. This ACH Authorization does not constitute and is not intended to constitute a security interest under Ohio law. " Yet they have threatened me with criminal prosecution, as if I stole something from them. They don't have a security interest in my bank! I was so terrified that I went to the Rise website today. My account is still active. In fact, when I signed in, I was immediately greeted with a message on the homescreen that Rise was giving me a payment offer to settle the account. I clicked on the link and was given the option to either pay {$2800.00} within one week ( much better than {$4500.00} plus attorney fees in 30 minutes, but I don't have that much money ), or do 4 monthly installment payments of {$880.00}. I accepted the payment offer of {$880.00} and now have the first payment scheduled to be charged on my debit card on the XXXX. I am so upset and stressed. I do not believe I should have to pay them any more money, but I don't want to deal with criminal charges. I feel that Rise coerced me into a payment plan on a debt that I dispute. What's even worse, and a slap in the face, is this ACH language in the repayment confirmation that Rise sent me by email tonight : " This ACH/Debit Card Authorization is subject to the following provisions : ( 1 ) Right to stop payment and procedure for doing so. If you have told us in advance to take payments out of your Bank Account by ACH or Debit Card, you can stop any of these payments. Here 's how : Call us at XXXX XXXX XXXX XXXX or login to My Account prior to XXXX XXXX. central time the day before the payment is scheduled to be made. You may also contact your bank. " So, right there, Rise acknowledges that I can contact my bank to stop the payments. Yet, they have threatened me with criminal prosecution for doing before. Rise has abused the ACH procedures to their benefit, in what I now see was a fraudulent, unconscionable manner.
11/24/2019	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	TX 76039	Web	Servicemember
THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST RISE AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. RISE provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. RISE regularly furnishes consumer credit reports to Creditors electronically. RISE is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. RISE routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified RISE at the address specified for such disputes that RISE is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously. RISE has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to RISE. RISE receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on RISE S website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, RISE, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is RISE s policy and practice only to compare the name, social security number, date of birth, and address in RISE s computer database with the information provided on ACDV forms. Where three of the four items match, RISE will report to the Consumer that it has verified the information it furnished as accurate. It is RISE s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because RISE collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, RISE s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, RISE will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, RISE continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor 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. In numerous instances, I have contacted RISE at the address specified by RISE to dispute information furnished by RISE to a Creditor and to notify RISE that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain. Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA. I want RISE to remove these inaccurate items.
07/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	Web
I am literally copy and pasting my last complaint because Rise is saying that they can't respond to the last complaint received since there was an " unauthorized third party '' involved. There is no unauthorized third party as I have given the representative who filed this complaint on my behalf my power of attorney. Regardless, I am now sending this complaint to you myself directly so there is no more shenanigans or excuses. Furthermore, this is exactly the ridiculous tactics being used by XXXX XXXX to not fix this account after 3 years. It is fraud. They have my police report and affidavit, and now this complaint. If they don't fix this I will now include this in my lawsuit. I have been attempting to fight a fraudulent account on my credit report for 3 years. I have been the victim of identity theft and have been able to obtain assistance in clearing my good name and credit from 99 % of the accounts that were opened fraudulently. The only thing I have been unable to get rid of is an account for XXXX XXXX which shows up on my credit report as Rise. I have submitted police reports and filed fraud affidavits which have been notarized to show that I am not the responsible party for this account. I have been doing this since 2015. My wife has also spoken with the company on my behalf since I am a truck driver and I am rarely home. To this day they have not done anything about the account and they continue to credit report it even though no other creditor has held me responsible for the fraudulent accounts. Not only have they not done anything about it, but today I had my wife go visit my representative who assisted me with my fraud case a few years ago and had him look into this case. He and my wife called XXXX XXXX directly and spoke with a man named XXXX XXXX. My representative asked if there was anyway he could assist or speed up this process since XXXX XXXX didn't seem to be doing what they were supposed to. Ultimately, the representative named XXXX said that they had in fact received the fraud notification in 2015 and that they were going to " escalate '' this matter. why would it take them 3 years to escalate the matter when they had already received my police report along with fraud affidavit? On top of that, my wife had been speaking with them several times over the years and they did nothing? Am I supposed to believe that only now they are going to do something about it when they have been promising the same thing for years? It gets even worse. When they really didn't want to speak with my representative anymore and just said that they were escalating the matter, my representative asked when they had starting working on the fraud. They responded since 2015. My representative then informed XXXX XXXX XXXX that because they have done nothing in 3 years that I would no longer simply accept nor believe that regurgitated response and that I would file a complaint to the regulatory agencies because of this and would more than likely also sue them. XXXX XXXX then said something that shocked my wife, representative, and later myself when I heard it. XXXX XXXX said that the complaint and lawsuit is probably the best idea and that I should do it. In case that's not clear, a XXXX XXXX representative actually acknowledged and agreed that their own company should be sued because of this situation and encouraged me to do it! If that doesn't show their guilt or willful negligence then I don't know what does. I am now filing this complaint in hopes that you can assist me in getting XXXX XXXX to remove this fraudulent account from my credit report. This has cost me thousands of dollars in equity, interest, and investment opportunities as I have been trying to buy a home all this time. My credit is otherwise spotless and the only thing preventing me from buying a home is that my loan officers say that I need to pay for this fraudulent loan so I can proceed with the loan. But why should I have to pay thousands of dollars for something I didn't sign for, borrow, use, or have anything to do with? In the last three years prices of mortgages have skyrocketed, Interest rates have increased, inventory in my area is extremely low and has many buyers competing for the same home. What I was able to buy for {$200000.00} in 2015 now costs about {$270000.00}. This hast cost me irreparable harm and I am about to take this matter to court if XXXX XXXX does not remove this from my credit report after this complaint has been filed.
06/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	MS 396XX	Web
from : RISE SR Complaints via XXXX to : XXXX date : Wed, XX/XX/XXXX at XXXX XXXX subject : RISE [ XXXX ] mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more : Important according to XXXX XXXX . RISE [ XXXX ] Inbox x RISE SR Complaints XXXX via XXXX AttachmentsXX/XX/XXXX to me Dear XXXX, Thank you for your recent letter. Your application was specifically declined for the following reason ( s ) : 1. Elevated risk evidence associated with application device. We appreciate your interest in RISE, and regret that we were unable to approve your application. Thank You, RISE Service Recovery Team XXXX www.risecredit.com XXXX Rise Service Recovery Team is available Monday through Friday, XXXX XXXX to XXXX XXXX EST CONFIDENTIALITY NOTE : Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee ( s ) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. from : RISE Customer Support to : XXXX date : Wed, XX/XX/XXXX at XXXX XXXX subject : RISE Customer Support [ XXXX ] mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more : Important according to XXXX XXXX . RISE Customer Support [ XXXX ] Inbox x RISE Customer Support AttachmentsXXXX XXXX ( 23 minutes ago ) to me Dear XXXX, Thank you for your recent email. So you can have more details of the reasons why this decision was for you please send a letter to the address below. Under the Fair Credit Reporting Act, you have the right to make a written request to Customer Support, no later than 60 days after you receive this notice, for disclosure of the nature of this information. XXXX XXXX XXXX XXXX, XXXX D/B/A RISE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXs XXXX Please let us know if there is any other information we can provide you at this time. Thank You, RISE Customer Support Team XXXX www.risecredit.com XXXX XXXX - FAX Customer Support is available Monday through Friday, XXXX XXXX to XXXX XXXX ET, Saturday and Sunday XXXX XXXX to XXXX XXXX ET CONFIDENTIALITY NOTE : Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee ( s ) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. -- -- -Original Message -- -- - Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Fwd : RISE : Status of Your Recent Application Attachments area XXXX XXXX XXXX XXXX ( 11 minutes ago ) to RISE I have already done this. All I get is a letter saying re apply after so many days, well time has passed, it will never end unless you all clarify and validate my identity in the system so I can get approved. This is the second time I have been denied for the same reason. Unless you all take action to prevent this from happening i will keep applying and have to keep writing letters to the FCRA over and over again, what I will do is open a big dispute with them in why I am not receiving a resolution from your company clarifying this up. ~XXXX XXXX XXXX~ ~XXXX BLESS! ~ XXXX Click here to Reply or Forward 1.11 GB ( 7 % ) of 15 GB used Manage Terms - Privacy Last account activity : 40 minutes ago Details This is a copy of the transcript between Rise Credit & myself as I am back in forth with this company trying to figure out why I can not proceed with my loan application. I am constantly getting the red flag that my account and application is associated with fraud activity or i am not who I am, both in which cases is not true I am who i am, and I am not withholding any information on my application that is false or misleading in any kind of way. My application is 100 % legit. I also contacted the company the first time I got declined and all they told me was to write a letter to the FCRA which i just get a letter to reapply. This has happened twice, and Im not getting anywhere.
04/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19709	Web
I received a mail correspondence stating that i have been " approved '' for the total amount of {$2500.00} credit line from RISE CREDIT, the approval came with a verification number. When i entered the information online with the approval number, i was congratulated for the approval amount of {$2500.00}, and the last step was to enter my personal Checking account number and Routing number in which i did. I waited 3 to 4 days to see the money in my account, after i was promised that the money would be in my account the next day after registering my approval. So on the 4th day i called the RISE CREDIT COMPANY and the REPRESENTATIVE on the phone had told me " '' o no Ms XXXX you actually did not get approved for the amount, we are sorry is there anything else i can help you with? " ". Had let the representative know that i received a confirmation code for the approved amount of {$2500.00} credit line and when i registered my information the RISE CREDIT SITE had CONGRATULATED ME for the {$2500.00} approval, and i have yet to receive the money, so how would it be that you are telling me i did not get approved?. The RISE CREDIT REP had stated " I am really sorry but i don't know why or how you saw that congratulations for the credit approval, because i do not see that, i see that your application has been denied, so you will not be receiving the {$2500.00} ''. I told the RISE CREDIT REP, " okay thank you for your time, that was so not okay on the RISE CREDIT company to give me an approval then tell me I'm not approved ''. That was the end of the conversation. Since the time of me reregistering my approval and speaking with the RISE CREDIT REP, i started to get charged for twice a month for 4 months and one of the 4 months is was charged 3 times. I did not realize what was happening when i saw the amount of {$230.00} taken out of my checking account, because i had been mistaking it for XXXX XXXX ( first credit line i opened in XX/XX/XXXX ) I confirmed that it was not XXXX XXXX line who was collecting the amount of {$230.00}, that it was actually RISE CREDIT collecting {$230.00}, as if i was paying back the {$2500.00} RISE CREDIT COMPANY for Lending me the money, the only thing is RISE CREDIT NEVER GAVE ME THE {$2500.00} credit. I went to my bank ( XXXX ) sat with the XXXX rep and asked for my BANK STATEMENTS dating back to XX/XX/XXXX to CURRENT ( XX/XX/XXXX ). In my bank statements i discovered, and CONFIRMED that RISE CREDIT NEVER GAVE/TRANSFER/WIRE ME/MY CHECKING ACCOUNT, THE CREDIT LINE OF {$2500.00}, and that had been just taking money out of my account. Now i have gone into over draft situations and really tight on money situations DUE to RISE CREDIT collecting money from me/my checking account that i NEVER OWED THEM. When i received emails from RISE CREDIT stating that they would match me/my current balance that i apparently was being accused of owing to THE RISE CREDIT COMPANY, the company attempted to have me pay them a certain amount to just call off the debt that i NEVER OWED THEM. I called the company and i was transferred multiple times, until finally the last person whom seemed to be the rep who would be the one to somehow get this resolved, THE RISE CREDIT COMPANY rep had ask me if she can put me on hold again for a moment, and once i said yes, the rep HUNG UP on me, and i never herd from them again. In fact i have herd from them they still send me PRE-APPROVAL MAIL for the same amount of {$2500.00}, AND MOST IMPORTANTLY RISE CREDIT HAS IMPACTED MY CREDIT SCORE!!! SIGNIFICANTLY, its to the point where i am ready to sue 100 % because it has now affected my personal life, my credit score, and i am in desperate need of a new vehicle, because i was recently in a huge auto collision where my vehicle has been totaled. I CAN NOT GET AN AUTO LOAN DUE TO THE Delinquencies RISE CREDIT HAS SENT OVER TO MY CREDIT SCORE FOR REFUSING TO PAY AMOUNT THAT IS NOT OWED TO THE RISE CREDIT COMPANY. I Have been highly ashamed of the pass TWO DEALERSHIPS WHO HAVE ran my credit score and SEEN the RISE CREDIT DELINQUENCIES and for that reason i have been DENIED TWO AUTO LOANS. This has gone completely WAYY TO FARR my personal life has been REALLY HARD BECAUSE OF THIS.
05/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 954XX	Web
In XX/XX/XXXX I app lied for a {$2600.00} loan through RISE Credit. When the loan went through, I realized the APR was absolut ely outrageous, so I followed their cancellation procedure and they took the loan back out of my account within 5 days. That was on XX/XX/XXXX . Then, two days later on XX/XX/XXXX t hey emailed me saying they had an ACH error and " accidentally debited my account TWICE '' but would correct the debit. My bank declined the second debit as I notified them, and forwarded them the email they sent to me about the error. Since my bank declined the second attempted withdrawal, as it was an error and I did n't have an extra {$2600.00} just sitting in my bank account RISE then placed a decline on the return of funds for the initial loan as though it was never returned. They started saying that I never returned the loan to begin with and that the transaction was declined!!! Only the second debit was declined. The initial loan was returned, the second attempted debit of XXXX $ was declined. The second attempted Credit of XXXX was also declined. I then made phone call after phone call and email after email. I sent them my bank statement documentation, and thought the matter was settled. But ... .they kept sending me daily emails saying I needed to make my payment, my payment was late, my payment was delinquent, etc. etc. I called them over and over and each time a different rep told me something differe nt. One rep would say, " oh, your loan was cancelled-just disregard the emails-the y are automated ''. They also kept calling me everyday. I was not comfortable with the answers they were giving me. I kept calling them trying to get this thing resolved, lots of verifying info, explaining the entire story, over and over, being transferred, disconnected, and calling back starting over confirming my personal data and explaining the story from beginning, over and over. I cant tell you how many times I was disconnected, it was enough to put someone like XXXX XXXX in the nut house. I did n't think I should be getting daily calls and emails if the loan had been properly cancelled. Last time I talked to someone named XXXX in XX/XX/XXXX I emailed her all the documentation she wanted, which was bank statements showing the transactions, after doing that I thought it was all taken care of. I told her to make sure I did n't get any more calls and emails I thought it was finally handled after two months of total chaos. Fast forward to XX/XX/XXXX and I see a " charge off '' on my credit report for over {$4800.00} from RISE. It went on the repor t XX/XX/XXXX a nd lowered my score by XXXX points! XXXX had put me down under some sort of " do not contact '' status so they stopped contacting me but did n't get the issue resolved! So, today I made more phone calls, and now I am waiting on another rep to help resolve this named XXXX . She was actually the first person I 've spoken to who showed some compassion for my dilemma since this is clearly an error on their part. ( Or maybe someone who works there pilfered this money and created this entire problem, knowing it would take months to figure out what exactly happened??? -I 'm starting to wonder if this was an inside job ). Errors like this are unheard of, an accidental debit of {$2600.00}?!?! This error on my credit report is literally going to create a major hardship in my life as I happen to be applying for apartments and my credit score is critical. Which is why I happened to see this on my credit report today. Since it is now 9 months since I got the loan and returned it, all prior attempts at contacting RISE to rectify the situation have been in vain, I 'm concerned that I can trust this organization to correct their error once more. So, I 'm filing this report.
12/23/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28590	Web	Servicemember
To Whom It May Concern : Be advised this not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to you. I am requesting proof that I am indeed the party you are asking to pay this allege debt, and there is some contractual obligation that is binding on me to pay this debt. Also, be advised this is my second attempt to request for validation. This is NOT a request for " verification '' or proof of mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also form you that if your offices have or continue to report invalidated information to any of three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found or continues to report on any of credit reports by your company or the company you represent, I will not hesitate in bring legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTIOR DECLATION Agreement your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ( RISE ) Any insurance claims been made by any creditor regarding this account. Name and address of allege creditor. Alleged account number. Address on file for allege debtor. Account of alleged debt. Date of the original charge off or delinquency. Date this alleged debt became payable. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for RISE in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is completed and return with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for process after I receive this information back. Best Regards
10/07/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	OH 45014	Web
Apparently the credit bureau called XXXX Was notified and refuse to respect the fact that this account called rice? That I do not know about has been opened under my identity at the Bureau of motor vehicles can get proof that Ive had 1 drivers license replacement which is one replacement of a drivers license due to my drivers license debit card and checks being took from my home from previous relatives living in my home I have reported this MASSIVE TIMES! Relative is now in XXXX for stealing my credit and personal information I reported this to all credit bureaus XXXX knew this received Identity theft report theres no reason why they smash still be on my report get it off it is identity Theft! I have reported it with police reports proper other documents as well please get with this credit bureau and get this rice mess off of my report rice refuse to respect the fact that his identity Theft apparently it was an online loan which is something that I would never do if Im going to borrow I always go in person where my identification can be shown. Apparently this company that had my information dont even know what my middle name is they have a middle initial in order to catch them under identity DEF ask them what my middle name is my ID has XXXX XXXX XXXX XXXX I never ever list my full middle name they probably got my middle name through the identity report of death for which I reported I reported an identity DEF several times happening to all credit bureau so I dont know why experience or experience whoever they are dont have this information on me reporting an identity Theft. Ive never dealt with these rice people and I never will because its an online company from what Ive researched and I dont know how they could have got my personal information but it was not me I have been told that my email is under a dark web which I have no clue what that is so who knows where my personal information has been going not to mention for the last 7 years I have had issues getting my mail due to moving you can not hold me responsible for who has my mail or who has been getting my mail I have also sent proof of documentation of that this is been going on for the longest and it still exist today I have no idea where my mail has been going most of this is at the fall of United States Postal Service I did report lost drivers license credit cards and checks get this stuff straight I am not the owner of this loan I demand it comes off! This rice company that I have no identity of knowing continues to harass me for a loan I am refusing to pay because I did not open it now Im with them I did not sit down personally face-to-face and open any loan with them Ive never spoken to these people Ive never even talk to these people I have no idea who they are they will not stick your identity death loan on me! Get it OFF MY REPORTS I AM REPORTING THE RISE COMPANY TO FBI & Ohio Attorney General and Ohio Supreme Court that CFPB is allowing this company rise to harass me about a debt that I did not make Ive never talk to these people rise I dont know who they are! One of my recent creditors XXXX XXXX monitors my credit card they found out my personal information has been discovered on a dark web? Look at attached information I have no idea I dont know how these people got my personal information God knows who else has it not my fault get it off my report now!
02/24/2017	Yes	Payday loan	Can't contact lender	CA 92102	Web
The lender blocked my access to their website, making it extremely difficult and time consuming to make payments. I was using this loan as a short-term bridge ; I knew it was expensive, but when I borrowed money twice from them, I paid each loan back in a few months. In XX/XX/XXXX of last year, I was not able to log in. I contacted them and complained ; being able to log in to the website was critical for me to see and schedule my payments, and plan accordingly. Making the payments by phone was very time consuming and complicated, since I was making very large payments in order to pay the loan off quickly. The company ignored my complaint about the website. I used a different browser, and was able to access the website. I then took out another loan, and soon found that my access to the website in the alternate browser was blocked as well. I complained repeatedly, and got no response. In the meantime, for several months they were debiting automatically the minimum monthly payment, because I had no way of logging into the website, to see my payment schedule and organize my payoff. I continued to complain, repeatedly, and it was n't until I refused to make anymore payments that they finally attempted to fix the problem. However, these attempts were weak and ineffective ; it became obvious that they had no intention of repairing my online access. Now the account has been sent to collections, despite the fact that I did not receive any communication regarding payment due, interest charged, current balance, or any warning that it was going to collections. They simply stopped trying to repair my access, and stopped communicating with me. I have recordings of my conversations with them in which they acknowledge that I first complained about my access in XX/XX/XXXX, that my payment history clearly shows that I paid off multiple loans with large payments in short periods of time, and that those types of payments abruptly stopped when I complained again about access being blocked in the second browser. I also have a screen capture video of the login page, where I type my password and the page does n't go anywhere. I have multiple emails from them acknowledging this problem, and I also have them recorded on the phone admitting that this has happened to others. I believe that this was an intentional effort to make it difficult for people who used this loan like I did - as a very short term bridge - to make larger payments. They obviously prefer that borrowers make the minimum monthly payment for years and years. I find it very strange that the difficulty logging in was not only in one browser ( XXXX ) but two ( XXXX XXXX ), and that the problem only came about, in both browsers, several months into the loan - in my opinion, once they became aware that I was paying my loans off quickly. I do not dispute the principal that I borrowed, nor a certain amount of interest comparable to the payment schedule that I maintained in prior loans. However, I believe that blocking my access to the loan website via not one but two different browsers was an intentional obstacle put forth to make it more difficult for me to make larger payments and pay the loan off quickly. This is also evident in their refusal to resolve the issue.
02/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37066	Web	Servicemember
I took out a cash line of credit loan from Rise on XX/XX/XXXX. The loan agreement stated that I would pay off my {$3500.00} loan ( this was the limit I could borrow, I used all of it ). The interest rate on my loan agreement was 148.999 %. I received my report of my first complaint to you and by your numbers it looked like the full amount I would owe them, fees and everything was 148.999 % interest. I think they are charging more than that. The loan agreement 's loan terms and conditions were extremely difficult to understand especially because they are disclosed in a manner that makes it impossible to determine my actual amount owed. The statement they provide does not show the principal owed. I have been trying to get some answers about my loan. They will not answer the questions in writing despite a specific request to do so as a reasonable accommodation. I am a XXXX veteran and I have XXXX XXXX and need to have things written down so I can understand them. It takes me longer to do it. I have written them a certified letter in which I asked that we communicate only by written word. They have ignored my requests. They refuse to answer the following questions. 1. Why are my payments not reducing my principal balance? My statement for month 1 states that my balance is {$3800.00}. It said I owed {$430.00}. I paid it. The next month my bill was {$540.00} and I paid it. After that payment was applied (? ) my total balance owed was {$3800.00}. So I asked them why my balance was only reduced by {$3.00} even though I had paid them almost {$1000.00} Today I asked them to explain why my customary fee increased by {$88.00} in the second billing period even though it was only 2 days more than the first billing period. No answer. Month 1 the fee was {$270.00}, Month 2 fee was {$360.00}. I asked them what my payoff amount would be on XX/XX/XXXX. The answer was {$4100.00}. I asked them how they determined that amount and they said they can't put it in an email so I needed to call. I reminded them I need things in writing and they ignored that. I asked them about the way they determine my " average daily rate. '' no answer I was corresponding with Rise customer accounts services this afternoon. They informed me that my next payment was due XX/XX/XXXX in the amount of {$540.00}. This evening I received another email which states that my XX/XX/XXXX payment will be {$490.00}. I have calculated my loan payments should be {$430.00} per month to pay off my loan over 12 months. That is at the 148.999 % interest. I calculated it XXXX XXXX divided by XXXX is {$430.00}. So I want to know why my second payment was {$540.00}? Also why is my payment {$490.00} for XX/XX/XXXX? Also I want to know why I would need to pay them {$4100.00} to pay it off early? They will not answer my questions and they are not allowing me access to the website to see my information. It is impossible to load and even if you are signed in it still doesn't load the account information most of the time. I tried to get logged in several times because of the issue with loading and finally received notice that I was blocked and I should try again later. The website isn't accessible most of the time. please help me. This can not be right.
07/20/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 645XX	Web
I spoke to XXXX a debt collector working on behalf of Rise Credit. I spoke to XXXX first on XX/XX/XXXX. We agreed on a settlement amount of {$3300.00} from the balance of {$4700.00}. The arrangement was to pay {$220.00} a month for 15 months. At that time I asked if around income tax I could possibly settle for less. I was advised yes. I have attached bank statements. I called again in XX/XX/XXXX to request a lower settlement. I was treated rudely by Mr. XXXX XXXX, he called me a liar. I complained to the supervisor. The supervisor said there was no notes on the account to proof what I was saying. He asked me the amount I was offering I said {$2000.00}, he laughed. I hanged up. I kept getting several calls. I asked to stop calling but they didnt stop. I received a call from XXXX with XXXX and she treated me with respect so I listened to what she had to say. I advised her that as soon as I get my income tax I would be able to pay {$2500.00}. She said she would try and get it approved. I spoke to her again around XXXX and I advised her due to health issues and income tax not being enough I would not be able to settle for {$2500.00}. I also explained the arrangement I had back in XXXX but she said that cancelled itself off. I told her I didnt understand because the money I paid where did it go. She didnt have an answer but said I could pay what I can afford and she would note it down. I agreed to pay then $ XXXX monthly for 18 months. I had always requested to get documentation and they said they have sent it. I did receive emails but couldnt open them, it was just a blank page. I did advised them of this but nothing was resolved. I had fraud activity on my personal checking account and, on XX/XX/XXXX, I called XXXX, Mr XXXX, to advise them, so they wouldnt attempt to withdraw. I advised XXXX, Mr. XXXX that I would call him with new bank info as soon as I can. I decided to review the invoice of that month, and it stated I still owed {$4700.00}. I was puzzled. I called and left message in regards to this and decided not to pay until I received document stating the settlement amount. He called me on XX/XX/XXXX, I advised him I did have a new bank information but would not make payment until I received the proof of settlement. I kept getting emails with blank documents. On XX/XX/XXXX, Mr XXXX called a number, my daughters number. I do not have listed or have I approved to be called, I had never had any calls to that number. Mr XXXX called that number and started the conversation with you know who I am, read disclosure, then said we talked yesterday, My daughter kept telling him she didnt know who he was and that they had not spoken. Mr XXXX proceeded in advising her of the account giving her specific details : company they are representing, amount owed, and amount settlement, amount of payments, and that I still owed for XXXX. My daughter kept saying to him she had no clue about this. Then he asked the number called, she then said so you have the same name as XXXX, She let him know that she was not me and hanged up. This created a problem at my home and information was shared because my daughter was very upset at how Mr XXXX treated her.
08/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
This complaint is a response in regards to a correspondence received from RISE ( dated XXXX/XXXX/XXXX, received XXXX/XXXX/XXXX ) in regards to an alleged debt. I received a correspondence from RISE requesting a photo ID and Notarized ID Theft Affidavit. I am not certain what prompted RISE to contact me with this request, but there is a CLOSED account ( truncated number on report XXXX ) listed on my credit file ( s ) that I recently disputed that states this item/account was closed on XXXX XXXX, XXXX as a paid in full charge off. If RISE is claiming that there is an outstanding debt to collect ; the debt will need to be verified. I agree to discharge any debt that can be properly and lawfully verified. What is specifically being requested as valid verification of the alleged debt is numbered and listed below. 1. A legally binding contract signed by both parties, which would include myself ( XXXX XXXX ) and an authorized representative ( an actual living human being ) of RISE which would reflect that two living people actually had an understanding amongst each other and made a binding agreement ( contract ). To be clear ; the wet ink signature document is being requested and is the only acceptable document. Copies of documents can be forged so a copy of a document may possibly be a forgery, therefore I will not accept any document as valid except for the wet ink signature document or a notarized affidavit that confirms that the original wet ink signature document is in possession and can readily be produced in case this issue has to go through a litigious process. 2. If there was an actual loan provided by RISE and there is actually a valid debt that can be verified, I am also requesting the actual accounting that reflects that RISE or any other relevant party actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution )? 3. If RISE is unable to produce any of the above requested items, this alleged debt has not been lawfully verified. If RISE declines to properly address the above mentioned requests and ignores this correspondence completely or the questions posed in this correspondence, their ( RISE ) SILENCE IS AQUIESSENCE and this will in fact reflect that RISE is in agreement that a loan was never provided and that there is no lawfully binding contract that reflects a loan was provided, therefore RISE must cease and desist any further collection activities and also cease and desist reporting to the credit bureau ( s ). Any correspondence that is sent by RISE also needs to be signed by an authorized representative of RISE to be valid. Any correspondence that is not signed by an actual living human which may state something like Sincerely, RISE, Thank you, RISE or, Yours Truly, RISE etc ... is unacceptable. RISE is a CORPORATION and not a living human being, so RISE can not send nor sign documents, this can only be accomplished by and through living human beings, so the only acceptable correspondences sent by RISE must be signed by an actual authorized representative ( living human being ) of the CORPORATION known as RISE.
02/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.
02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63052	Web
I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I know the application was saved properly with my new information. I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. They've refused to remove the inquiry on their own.
09/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91706	Web	Older American
I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?
07/09/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL XXXXX	Web
RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.
07/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 546XX	Web
Got a loan for {$2500.00} with expectation of paying off early. Have made several large payments on loan including a payment of {$1900.00}. Expressed to the company I needed the principal balance paid down to pay the loan off because of unexpected things that came up and need to be free of loan. They put the {$1900.00} toward interest and said the interest on the loan was fully paid. The {$1900.00} along with {$880.00} ( extra and over payments ) along with regular payments equaling {$1800.00} you would think would bring the balance down, but no. There is still a balance of {$1300.00} and that balance keeps going up. I have already paid {$4600.00} on this loan. I know the longer I have the loan that number will go up, which is why I am desperately trying to pay it off early. How is it the interest is paid in full but we are still getting charged for interest. Also, I received a letter stating if I bring my account current ( I missed a couple payments last month ) then they will also credit a payment to my account to help. The letter was addressed to me personally, but I was told it didnt apply to me. They used the large payments to cover those missed payments. How are they using that {$1900.00} to cover missed payments when it should have already been applied to my account. So they sent me a false letter. Its as if they are purposely keeping me from paying this horrendous loan off. And why when I pay on the principle on the loan, the balance is not going down to where it should be? My wife has also called and made several payments ( which includes the {$1900.00} payment ) on my behalf. Now they are refusing to take payments. I once again gave them permission to talk to her about my account And make payments. They still refuse. Why is it she could make payments before and can not make payments now. This company is making it impossible to pay off this loan. As with any other loan, when I make over and extra payments the balance goes down and I can pay it off, but with this company, it will not work. I cant keep doing these almost {$500.00} payments every month and this loan should have been paid off by now or at least under {$500.00}. Definitely not {$1300.00} and rising daily. I also have recording of my wifes conversation with the company refusing to take a payment after I gave them permission. Also, if they can not take a payment from her, then what do we do about the money/payments she made previously? Do they credit those payments back to us? ( They did however, take them from her without me, using my credit card ). These types of loans should be illegal!!!!! These companies should not be allowed to do this!!!
09/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91911	Web
I got a loan from Rise to pay off some debts that I had, after my bank denied me because of my credit score. Rise had been sending me fliers, letters, brochures all of which I would toss in the trash, after my bank denied me I thought about Rise and went to their web site after looking over their site and reading the information I decided to use a graph they had on the site that would help you estimate the amount you would have to pay based on the amount of the loan ( {$4500.00} ) and the pay off time ( 18 months ) my payment is {$530.00} a month so I thought to myself " thats a little steep '' but as i stated before my credit is awful. I am a retiree from XXXX XXXX XXXX XXXX XXXX XXXX after 30 years and that is my only source of income, my retirement.I completed the on-line application after I calculated my monthly expenses and seen that I could make the $ 533 monthly payments for 18 months with little sacrifice and have my debts i got the loan for consolidated. They approved the loan and deposited it into my bank account 2 days later.Here is the rub, I can not pay the loan back. I went to the web site to see if everything was in order, I used my sign-in information to log into my account and seen that the debit date from my bank account was accurate as well as the {$530.00} amount to be debited but I noticed that the balance had increased from {$4500.00} to {$4600.00} and something close to {$4700.00} then it dawned on me what I was dealing with " a predatory lender '' my interest is so high until making the $ 533 monthly payments will not even lower the principal ( {$4500.00} ) instead it will keep rising, unless you can come up with the entire balance and pay it off its designed ( with the high interest ) so that not only can you not pay it off but that it will continue to rise and THIS IS LEGAL? IN THIS COUNTRY? I have had loans and payday loans and paid then but nothing like this. I do want to pay the {$4500.00} plus interest but its fixed so I ca n't pay it back. This was why I got the loan in the first place to consolidate some debts and after using the graph on their site figured out I could repay the debt comfortably at {$530.00} for 18 months is there anything i could do? Again I do want to repay the loan and interest ... ..BUT I CA N'T. They can debit my account for the next 5 years and still not touch the principal and I 'm sure they would have received the loan 3 or 4 times over and i would still owe about ( a rough guestamate ) {$15000.00} WOW and this is legal? I do not have any document for the loan every time I try to sign-in on their web site I ca n't
04/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77070	Web
I have been reaching out to this company via email and phone for a few months requesting an accurate payoff. They keep giving me an amount that I disagree with and they will not tell me how they are reaching the amount of {$870.00}. Per a phone call, I was told it did not include accrued interest, but that is all they would say. I have requested numerous times for a reasonable payoff but they are not interested in discussing this. Every email I send, they only respond with " please give us a call. '' Those phone calls go nowhere. I have asked for written confirmation by responding to, and answering my emails. Monday, XXXX XXXX I called them, per their email response and I asked to speak with someone that could assist me in getting this resolved. The representative gave me their disputes division email address, in which I have emailed three times and I have not received a response from them. I have also requested they remove the charge-off from my credit reports because I have been trying to resolve this and pay it off since before they reported it as a bad debt. I have also pointed out that they have reported to the credit agencies the incorrect original balance. The original balance, and the amount they deposited into my bank account was for {$800.00} on XX/XX/XXXX. They are reporting it as {$1000.00}. I have made a total of {$210.00} payment against the {$800.00}. I can understand interest. However, unless they are willing to justify the {$870.00} payoff, I disputed that. Per the XXXX phone call, the representative suggested I log into my account to review the contract. I told her that my login information is not working, and she did not assist in correcting that so I could log in. My last email dated XX/XX/XXXX, I have requested a copy of the signed contract and correction to my credit reports, along with a reasonable payoff amount and breakdown of how they are coming up with the {$870.00}. Trying to get an accurate payoff and/or explanation of a payoff higher than the loan itself should not be this difficult. I have consistently acknowledged this debt and I have consistently been trying to get it resolved and paid off. I need this information corrected on my credit reports, as it is preventing me from taking out a mortgage. I need the original balance corrected to {$800.00} XXXX that is all I received from them XXXX and the charge-off removed. I do not agree with being reported as a bad debt since I had been in contact with them consistently since before they reported it.
06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30338	Web
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 ( On behalf of XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a formal letter that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.
10/26/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94801	Web
I applied for a Rise payday loan, the interest is way over 100 % and I can not seem to pay this off. I've contacted the company and asked for covid relief several times they deferred payments during covid. However started up again on the wrong date. Another payment was taken and I called back on XX/XX/XXXX to tell them to change back to correct dates which are always fridays and I still needed covid relief/deferred payments. At that point i did not receive anymore payment emails as before. I thought I was under this relief deferral program until i called back today XX/XX/XXXX. I was told the account was in collections 25 days past due and the reason i had not gotten any emails/calls is because someone put my account in cease and assist. However they could not tell me who did this or why they had this noted on the account and advised me they did not know where it came from. I asked if I can qualify to defer the account or just payoff ( told no ) or if I could attempt to just pay off with and additional {$1000.00}. I was told no and i needed to keep make payments by this friday XX/XX/XXXX or they would start reporting negativity to the credit bureaus after 30 days. I live in California and is this even legal to charge this much interest and report negatively to the credit bureaus. I would like this company looked into.. because they do not seem legitimate to charge such outrageous interest. I borrowed {$2600.00}, paid back {$2500.00} ( 11 payments of {$220.00} ). My balance is still showing {$3900.00}. Honestly I don't even know the real interest rate. In California not sure what loop hole these people or using to get away with this. I paid this company every other week on time until the furlough and tried to work with them. My account is in this negative status ( collections ) do to they're customer service representative mistakes, not me. I was unaware because no contact was made to me. The supervisor XXXX told me all he could do is remove the cease and assist because they did not know where it came from on XX/XX/XXXX. However it was a mistake on their end with the customer service rep who advised me on XX/XX/XXXX my account was going to be in the deferral status if I made one payment. Which I did so. I've learned today it's not and they tried to submit a payment on the wrong date again which was declined.
06/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 328XX	Web	Servicemember
I want to start by saying that I DID NOT open any account with this company called XXXX XXXX. I was checking my credit score on XX/XX/XXXX and I noticed there was a inquiry from a bank/company called XXXX XXXX. I called them and the customer service representative advise me to contact their fraud department. I contacted their fraud department and there was a recording stating that if I was calling to report identity theft I was supposed to create a report with the FTC ( Federal Trade Commission ) and send it to them. I filed the dispute through FTC.gov and also made a police report because this was the second time somebody used my information to get a loan. I sent the FTC report along with the police report. They reached back stating they needed the a screenshot of the confirmation email where it showed I filed the FTC report, which did not make sense because I had already sent them the report. I had deleted that email as I thought it was not important since I had the actual report so they had me filed another one complaint to the FTC and send them the screenshot of email confirmation. After two weeks of all this hassle they send me and email stating that they did not found any fraud. I of course called the next day asking why they had determined this and XXXX from the fraud department told that they had found that all mi information matched and that is why they decided that is was not fraud. I found this totally incoherent because that is the same reason that I filed the dispute, of course the information is going to match that is why I am contacting you in the first place to report that it is fraud because I DID NOT open that account. Furthermore, the company is basically telling me that I lied on the police report and the FTC report I submitted which, to my knowledge, is a federal crime. I proceeded asking him where the funds of the loan where transferred and he informed me that it was transfer to a XXXX XXXX XXXX ( XXXX, I believe ) in XXXX, Florida. I told him that was even worse because I have never lived in XXXX nor I have family there. He then told me that basically there is nothing they can do and I just find impossible that they are not accepting my despite even after filing a police report and a complaint with the FTC which was notarized, of course.
10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63118	Web
XXXX is reporting incorrectly a collection/charge-off on RISE account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from RISE and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted RISE and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
02/04/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	KS 672XX	Web
XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX Payment, and Rise Confirmation of XX/XX/XXXX Payment ). On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.
03/31/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29673	Web	Servicemember
XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX
02/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 53188	Web
First off I am not very good on computers nor dealing with online situations. My sister is helping me file this complaint with you. XX/XX/XXXX - I applied for a loan through Rise Credit for {$2000.00}. My son actually found the website for Rise and completed 95 % of the Rise Application for me but I was sitting with him while completed the online application. Once submitted, Rise came back and said would let me know if I was approved for the loan. I then forgot all about it and several days later when reviewing my checking account I found that they had already placed {$2000.00} into my account.I was not sent nor given the details of the loan ie ... the interest rate of 238.36 % for the loan until after the money was placed into my account. I would have rejected/not accepted the loan if I had realized it was a 238.36 % interest rate. They set up ACH installment payments of {$410.00} a month which I can not afford. I did not give the loan much thought until after XXXX and I had used all of the money for XXXX and bills. On XX/XX/XXXX the first payment was pulled from my checking account {$410.00}. I thought the payment would be {$220.00} for the month at most. I did not realize it was {$220.00} biweekly if I chose a biweekly payment. When they took {$410.00} out of my checking, I called them to discuss the loan and terms of loan repayment. They said the best they could do is split the payment in half and have me pay twice a month. I am on Social Security XXXX ( Fixed income ) with limited resources. I would NEVER have agreed to a 238.36 % interest rate nor payments of {$410.00} a month. I can't afford this. I can't believe that this is legal-this is more like loan sharking and preying on people who are not able to defend themselves. I am more than willing to pay the {$2000.00} back at a reasonable interest rate and reasonable monthly payments of {$200.00} a month ( ie ... a credit card rate for people with limited resources perhaps 25-28 %? ) not 238.36 % how can this even be legal? I need your help.
02/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29732	Web
Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 6. The funds were never deposited into any of my bank accounts. 7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. Your expeditious attention to resolving this credit dispute shall be greatly appreciated. Sincerely, XXXX XXXX XXXX
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90012	Web
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : RISE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
06/23/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	MO 640XX	Web
I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
08/09/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	OH 45212	Web
In XX/XX/XXXX I applied for and received a loan from rise credit for {$1500.00}. Shortly after receiving this loan I noticed the fees/interest/charges that would result in me having to pay the company back over {$3000.00}. I contacted the company to cancel my loan request and for them to take back their funding. At this time they scammed and lied to me explaining if I made my payments on time that my pay back amount wouldn't be anywhere near $ XXXX that was " worse case scenario '' if I paid late/missed payments etc. This company is PREDATORY LENDING at its finest, in addition their representatives provide false information leading consumers to believe we are actually getting a great deal. After making my first payment of {$190.00} every two weeks, I realized what was explained to me was not accurate AT ALL and at this point, it was too late to cancel the loan agreement. I called several times and sent multiple letters attempting to work out a FAIR and reasonable payment arrangement to which I was met with nothing but hostility and refusal. This company scammed me over a {$1500.00} loan and has been reporting to my credit in the amount of {$3600.00} IN ADDITION to this Rise Credit/XXXX XXXX was also trying to double dip and reporting two accounts on my credit report that I NEVER had using the creditor name of XXXX XXXX XXXX XXXX.in the amount of {$2500.00}. This fraudulent account was opened on XX/XX/XXXX conveniently weeks after my account with RISE was closed on XX/XX/XXXX with only a {$20.00} difference in loan amounts I have sent all of this information to RISE/XXXX XXXX XXXX XXXX XXXX XXXX, I did not receive a response, however shortly after XXXX XXXX XXXX XXXX was removed from my credit report as if they knew I was on to them, how long would this have negatively affected my credit had I not caught on to what they were doing. ( See attachment with screen clipping from credit report showing BOTH accounts. )
02/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA XXXXX	Web	Servicemember
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. Rise has also threatened to sue me and refused to work with me. I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. Rise refused to work with us in regards to our documented finacial hardship. Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.
05/05/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95842	Web
I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX
06/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60077	Web
I had been borrowing money since XXXX and was aware that the interest was like XXXX but I borrowed and accepted it so I paid. Last XX/XX/XXXX my mom had a XXXX XXXX and sad to say I had to borrow again despite a promise to myself not be rob again with a consent. Payment has been debited to my account struggling until the pandemic came. I called every credit card and to the other companies I have loans and made arrangements and successfully they were able to accommodate me and was kind enough to follow what the government was saying regarding postponement except RiseCredit. RiseCredit if I remember mentioned having a {$10.00} interest but did not understand that it was daily until I was told by XXXX ( Customer representative ) today XX/XX/XXXX in the evening. She said that I agreed during my conversation last XXXX. I did not understand what was the conversation regarding charging me daily because attached if I am still paying the same amount every two weeks I will not ask for a favor during the pandemic difficulty. I am very sad and furious that I borrowed {$4000.00} and after 9 payments it is even increasing. I need money because I am financially drained. I do not understand all the math that person has been telling me last XXXX but whatever the case maybe it is very unfair to do this to someone who already has a hardship with money. I feel like I am going to kill myself for company like them. Please help me stop this to victimize another people who need help desperately. When you need help and they tell you a lot of things and you are already in trouble yo9u would say yes even if you did not understand. they should not be tolerated to operate this way changing 4, 000 % interest and what they say is " You agreed ''!!! I hope you can help me. If this organization can't help me I will seek a lawyer or won't stop until they are being stopped.
09/30/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
I initially discovered this account on my credit report months ago. I wrote a letter to RISE on XX/XX/2020 asking them to investigate as to whether this account was actually mine as I have no knowledge of it. I had a previous loan with them that I fully paid, but this one, I do NOT recall at all. From the date of that letter to XX/XX/2020 I received absolutely nothing from RISE meaning ( as I would learn ) they had chosen to ignore my request for a proper investigation completely.. The time from the first letter sent in XXXX to discovering it still appeared on my reporting in XXXX obviously took them WELL BEYOND the required period for such a response. After all, with the lack of response, I had assumed they had investigated and removed an obviously inaccurate report. But when reviewing my credit report and still finding it this month. I wrote a second time asking them again to actually fully investigate the situation and provide me with the actual account information, dates, fees, charges, compliance with FACT ACT guidelines, and of course confirm in notarized form that the report was 100 % accurate or DELETE it. Instead, today I received not a mailed letter as requested with ANY of the information Required or Requested. Instead they sent me a short " email '' stating they could find no errors in their reporting. NO DETAILS, NO ACCOUNT INFORMATION, NOTHING WHATSOEVER. Clearly this does NOT come close to meeting the bare minimum possible requirements of an investigation. It supplies me with nothing to prove the debt and attempts to just ignore my requests in direct violation of Federal Statues. And by sending me such a blatantly dismissive E-Mail, RISE is NOT in compliance with any Federal Requirement concerning this alleged debt and must by Federal Requirements DELETE it immediately and ensure this file is permanently closed.
01/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 360XX	Web
I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.
09/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX XXXXX	Web
I attempted to secure a loan using Rise Credit. After waiting several days for a response, I called and they informed me that they were not able to continue to process my application because there is a fraud alert on my credit report and I must contact to credit bureaus in order to update the phone number or have the alert removed. I informed them that the alert was removed several months ago and there is no phone number to update. They then told me that they are getting an alert when they attempt to view my credit file. I did a conference wall with a representative from Rise Credit and the credit reporting company they said they used, XXXX. During the conference call, the representative from XXXX stated that there is no fraud alert or consumer statement on my file, and this was heard by the representative from Rise Credit. They informed me that the application would have to expire and then I could resubmit an application. The application expired on XXXX XXXX, XXXX and I resubmitted an application on XXXX XXXX, XXXX. I called the following day, XXXX/XXXX/XXXX and the representative told me the exact same thing, that an alert was on my file and I would need to update the phone number so they can call to verify, or have the alert removed. I then spoke with a gentleman named XXXX, who works in their verification department. I did a conference call with him to the credit reporting agency again. During the call, he heard the representative say that there is no fraud alert or consumer statement on my file. They have not attempted to access my credit report, or they would know there is no alert. The last time they accessed my credit file was XXXX XXXX, XXXX, and at that time there was a fraud alert on file, but it has since been removed. There lack of proper handling of my application has caused undo XXXX and time.
11/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94107	Web
My name is XXXX XXXX SSN : XXXX and my complaint is against Rise Credit, account open XXXX XXXX date closed XXXX XXXX, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that RISE has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of RISE negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against RISE or whoever their mother company is. Im also including on this complaint XXXX XXXX XXXX XXXX because in the report in RISE information the address they have is from the mentioned company. An Im also including XXXX because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!
08/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 535XX	Web
In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.
01/12/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
THIS COMPLAINT AGAINST XXXX AND RISE/XXXX demands CFPB attention for prosecution.RISE /XXXX in XXXX told the CFPB that the Supreme Court decision in XX/XX/2018in California did not apply to them.An untrue statement since the decision ( attached ) applies to all consumer loans over {$2500.00} originated in California XXXX The Supreme Court says this RISE LOAN, ACCT XXXX Appearing on XX/XX/XXXXis " unconscionable '' as to it's rate of interest ( about 160 per cent APR ) and violates CALIFORNIAS UNFAIR COMPETITION LAW contained in CALIFORNIAS BUSINESS AND PROFESSIONS CODE.Another false statement of Rise in their attached CFPB response says that the loan was a refinance not a new origination.Although I had paid off a RISE loan 6 months before this was a new origination, {$3500.00} at {$260.00} bi -weekly repayments for 15 months ... ( calculates to over 160 % APR, the SUPREME COURT SAID THAT 96 % AND 135 % APRS WERE UNCONSCIONABLE IN THE DE LA TORE VRS CASHCALL INC. case decided by them. THIS SUPREME COURT DECIDED THAT RISE BUSINESS AND BUSINESS PLAN OF UNCONCIONABLE RATES IS ILLEGAL UNENFORCEABLE, PROSECUTABLE IN CALIFORNIA. A CLASS ACTION CASE AGAINST RISE IS LIKELY COMING SOON ENTIRELY BASED ON THE SUPREME COURT DECISION OF XXXX XXXX XXXX LAW OR THE PRINCIPLE OF XXXX IS NOW OVER. MY LOAN SHOULD BE DELETED AS UNCOLLECTABLE IN ANY COURT OF LAW, DUE TO UNCONSCIONABLE INTEREST RATE AND OTHER RISE BUSINESS TACTICS. EXPERIAN IN THIS CASE CAN NOT EXEMPT THEMSELVES AS MERELY A REPOSITORY.EXPERIAN MUST ACT TO DELETE THIS LOAN DETERMINED BY THE HIGHEST COURT IN CALIFORNIA AS " UNCONSCIONABLE '' DUE TO ITS INTEREST RATE, AND THEREFOR EXPERIAN CAN NOT BE USED AS A COLLECTION TOOL OF XXXX RISE WANTS TO SUE, GO AHEAD, '' BE MY GUEST '' THE CROSS-ACTION WOULD BE WONDERFUL FOR ME ( $ $ $ $ $ XXXX ''.
01/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 63129	Web
I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.
01/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83706	Web	Servicemember
I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?
08/18/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78504	Web
Applied for loan XXXX XXXX with Rise Credit. I had used this service in the past but needed to change my bank account number for the funds to be deposited in. Spoke with a representative who told me to proceed with my application then immediately email a voided check so they could update my info. The next day funds were not deposited into my account. I called Cust. Svc. and the rep informed me the prior rep gave me incorrect information and I would need to cancel my previous application so they could change my bank info. I sent a cancellation request in writing XXXX XXXX as per their policy and they informed me the loan was cancelled, my bank info was changed and i could reapply within XXXX business days. XXXX XXXX I logged into the Rise website and it showed the previous loan attempt had been canceled. There was no mention or information showing they withdrew the {$310.00} from my bank account. I reapplied and funds were deposited to my bank XXXX XXXX in the amount of {$310.00}. Upon checking my bank account I noticed Rise withdrew {$310.00} on XXXX XXXX ( the amount of the previously canceled loan ). The only issue was they never deposited the original loan into my bank account. So now, I am missing {$310.00} from my bank account that was not Rise 's to withdraw. I spoke with a rep XXXX XXXX who was unable to help me and told me they do not show in their system that they made the withdrawal on XXXX, yet my bank statement shows otherwise. Due to their error I have now had returned transactions and have been penalized by my bank for insufficient fund charges. The rep on XXXX informed me they " had an issue ticket in the system '' but there is no guaranteed date of resolving my issue.
10/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60007	Web
I have attempted to work with Rise on over 10 occasions to get my account back to current. I paid {$540.00} in the middle of the worst of the pandemic to get caught back up and then was told by XXXX XXXX that I was reported for a late payment- which I am very careful about and had never been reported for late payments. Apparently, the days rollback 14 from the last due date, not 30 from your last payment. I was told 30 days, not 14, which can be heard on the recorded calls. When I asked about the recorded calls, I was told they dont have them anymore because they delete them after a certain amount of time. After leaving a review on XXXX with my concerns of their misinformation as well as false reporting, I received a generic response saying to call a specific phone number to speak with someone about my concerns. I did exactly that and was told they do not offer COVID relief to ANY ( stated in a very heavy voice ) of their customers. Their website states otherwise ( I will include a screenshot ) and I request they remove this immediately as its false advertising - misinformation. I asked if I could change my due date schedule as my repayment schedule went along with my pay dates, which no longer exist, and was told they will not even talk to me in that department until I pay another {$540.00}. All of these are terrible business practices, but many of these things are verifiably illegal. I am ready to pursue a lawsuit if they are continuously unwilling to provide the help they say they have. I can not afford the constant credit bureau reports and I have done everything I can to get the extra money, but am living paycheck to paycheck after taking a {$40000.00} pay cut due to COVID.
09/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 787XX	Web
Hello, I did call and spend about an hour on the phone with customer service, and the billing department. They were of no help at all. Please send this email to someone who can help me and understands what a payment arrangement is, and also send to a manager. We have been long time, good customers. Always have paid on time. As soon as we started struggling financially, because of Covid, we reached out and made payments arrangements on the account. These arrangement were to keep the loan in good standing while I waited to go back to work. We had to do this several times, because the auto drafted payments werent being drafted. So I would log in and make a payment arrangement and a payment. We were diligent about this, because of our credit. Then I received another email saying that there was another program available to me, so I then signed up for that as well and paid the {$71.00} to enroll in. Soon after that with zero notice the account was charged off and 6 30 day lates were added to my credit report! All of this while our entire country is falling apart and people are fighting to keep their head above water. We were so careful to make sure we had the payment arrangements in place so this would not happen. This reporting should not have happened because of the payments arrangements were made and there was no notice. It caused our refinance on our home to fall through and is now causing many more financial hardships. Please remove the charge off and all of the 30 day lates. The account was charged off and paid, my balance now shows negative balance on the companies website Please someone do something about this. This is not fair or good business Thank you
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83835	Web
Aut9mated accounts original creditors name 05 XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. XXXX ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. Then another balance also shown high balance {$1500.00}. This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is {$1100.00} with high balance shown as $ XXXX monthly payments {$110.00} this company is stating 60-89 days late. This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
09/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 94518	Web
I have paid my loan on time every month and made the full payment as described in my contract for over a year now. Periodically, Rise Credit says they review accounts for possible refinancing without a credit check or any impact to your credit. I assume it's very similar to a credit card increase.Their criteria for being eligible states per their website ; " make at least the minimum payment due every month and on time '' and they will notify you once you're eligible. It has taken me over a year for me to become eligible to refinance and on XX/XX/2019, I finally got a notification that I can refinance. Once I logged into my account, I was met with a pop up notification saying that I can now refinance and that my new loan amount is now {$3500.00} which will add {$1300.00} to my loan which would be deposited into my checking account. I read through all their notices and consents which I agreed to. I got to the last page where it had me sign, date and submit only for the website to bring me to a page that says I'm denied. So I was approved initially when I was offered refinancing and now denied 5 minutes later after I signed my documents? Why would I be denied when there is supposedly no credit check? I got an email from Rise saying that XXXX consumer reporting, a part of XXXX, helped them come to this decision. I called Rise to ask about this and they said I need to call XXXX. The Rise rep also said if something was inaccurate with XXXX, that I would have to wait again for Rise to flag my account as eligible again to refinance which could take another year. This is extremely false advertising and just a bad business practice by Rise plain and simple.
03/06/2016	No	Credit reporting	Incorrect information on credit report Account status	AL 35244	Web
Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.
12/15/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 95747	Web
The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.
04/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NM 875XX	Web
Rise/ECS has account opened on XXXX for a unsecured loan in the amount of {$2500.00} using my identity fraudulently. The account in question was charged off on XX/XX/2021 totaling {$4400.00}. Dropping my credit score 60 points or more. I sent a certified letter to " Rise/ECS on XX/XX/2021 informing them I was a victim of identity theft and requesting verification of the initial contract, and that this account is inaccurate. The certified letter was received on XXXX XXXX. I also sent certified letters to the 3 credit bureaus XXXX XXXX XXXX on XX/XX/2021. I received a follow up email on XX/XX/2021 stating : Please Note Rise Credit is the original creditor for my Rise Loan and is not required by the Fair Debt Collections Practices Act ( FDCPA ) to validate debt for any Rise/ECS accounts. Since, then I sent another certified letter to Rise/ECS on XX/XX/2021 it was signed for on XX/XX/2021. Follow up letter was received on XX/XX/2021 dated XX/XX/2021 stating the following : Thank you for notifying us of your concerns regarding an account opened in your name at XXXX. We reviewed the documentation you sent us and our investigation results dated XX/XX/2021 determined that this account was not opened fraudulently. I also advised the 3 credit bureaus XXXX XXXX XXXX XX/XX/2021 to delete this account from my credit reports because it was fraudulently and inaccurate. XXXX is actively requesting Rise/ECS to remove this inaccurate information from my credit reports. Also, XXXX has removed all Rise/ECS inquiries from my credit report. Along with providing freeze protection on my XXXX credit file without hesitation.
06/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Web
RISE has reported an account in collection to the XXXX credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61615	Web
I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. This refers to my Rise account # XXXX , loan date XX/XX/XXXX 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX . My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for Rise off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32259	Web
I have submitted several disputes with XXXX with no resolution. The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. I opened my dispute with XXXX in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. XXXX kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. My creditors also kept saying XXXX has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. My creditors in dispute were XXXX and Rise/XXXX I advised XXXX that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. I am still waiting for these creditors to update my balance with XXXX, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.
11/02/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 630XX	Web
RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
04/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29730	Web
I got a loan for the amount of {$2000.00} XX/XX/XXXX. I was in need of cash because I had just XXXX XXXX XXXX. Covid hit my job pretty bad. Every time we got a case we were sent home without pay. This has caused me to call and discuss the issues with RISE CREDIT.COM and see what options that I had. They informed me that the payment could be deferred but they would keep accruing intrest. I have been making payments of XXXX every two weeks now because the loan is now XXXX way more the orgainal amount of the loan. I was affected by covid really bad and this company would not assist. I now have a loan that is impossible to pay of because of the interest. I reached out to them to ask them if some of the intrest could be waived so that I am able to afford to pay it back. They would not work with me and only told me the payments would get higher. I am crying right now because Covid was out of my hands and I tried reaching out to them and nothing was working. I just want them to excuse some of the intrest because if that wasn't so high I would have paid this loan off. I have already paid the XXXX off plus some but the loan amount is not going down. I reach out to them and plead my case but they will not assist and state that covid is not their problem either. Even when I didn't have the cash I tried to make payments and whe my job closed I called them and they just added more on. I even tried to refinance the loan so that it can be made more affordable and they still would not help. Please assit with anything that you can do anything.
08/22/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH 441XX	Web
I got a payday loan a few weeks ago for the amount of {$1500.00}. I was told that if I pay off the loan then whatever the CSO fee balance would have been would be eliminated. I was told this twice on the phone by a customer service representative before I even applied for the loan. I paid off the loan today - the website along with a customer service representative 's confirmation indicated that the balance was approximately {$1400.00} if I wanted to pay the loan entirely off. I paid this entire balance off. However, once I did this, the place on the website where it showed that all I had to do was pay this to pay off the loan was no longer showing this. Furthermore, there is another place on the website where the balance is in the 2,000 's still showing the balance with the CSO fees. They also still have the same remaining payments scheduled from my account that were scheduled before I made this payment. It is unclear what the payday loan company is trying to do. I feel like they are trying to collect more than what they promised. I have attached evidence of where it states that all I had to was pay {$1400.00} to pay the loan in addition to a record of a payment for this same approximate amount. Furthermore, I have attached the page showing the higher incorrect balance. They are trying to intentionally confuse me so they can collect a higher amount - this is how it feels like. All I want to do is move forward and not pay more than we agreed on. This is worse than if a thief broke into my home.
10/18/2017	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 Problem with personal statement of dispute	TX XXXXX	Web
In Regards to Complaint XXXX about XXXX XXXX. I have read the response of the company and disagree. They state " In addition, on XX/XX/XXXX, we responded to XXXX XXXX correspondence with information about this loan, and provided a copy of the Loan Agreement. " I have seen no communication from them after repeated letters sent asking for : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. If they can not prove that they have sent this validation ( by way of certified documentation ) per my request they are in violation of the Fair Credit Reporting Act. Furthermore given that the time has lapsed from the date of the original request they have to delete this line from my XXXX report As they are in violation my next step will result in small claims court seeking legal remedies. Original Complaint. I have sent repeated letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
07/28/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 295XX	Web	Servicemember
RiseCredit forced a loan upon me, deposited the funds to my XXXX account, then reversed course the second they found out they were at fault. In so doing damaging my credit and credibility with my bank. I was a temporary resident of XXXX and become a full time resident at the time. Legally they were not allowed to complete this loan because XXXX does not permit those type entities to write business there. Im the victim here. The loan amount was for {$800.00}. Risecredit accelerated the withdrawal of these funds from my account and continued to take action against me. My bank has an open dispute regarding this matter already. I did all I could to preserve my credit and it still happened. The enterprise RiseCredit should have its charter to business in XXXX or any other state Rejected and removed. The pray on the elderly, XXXX, and less fortunate. The last XXXX of which I am. I am facing bankruptcy, Eviction all at the same time. I hope you can address this concern ASAP. The subpeopna of any documents from Them will have to be done by your legal department. My resources are very finite. I am risking being homeless as we speak. Family and friends some of have turned their back on my entirely and chose to look the other way. I have engaged in continuing my study for XXXX in the State of XXXX and will do everything in my power to both uphold and adhere to the law. My father put it best, do n't let these crooks get the better of you. And XXXX XXXX has many of them.
07/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35758	Web
I am currently in a financial hardship and I ca n't afford the bi-weekly payments. Even though they are getting paid, it is putting me in the negative and causing overdraft fees on my bank account. I asked to speak with someone about changing my payments. XXXX, the CSR, said, let me see what we can do. Then asked me what I was wanting. I asked him to change the payment from bi-weekly to monthly or to make the payment more manageable. My income has been reduced by {$570.00} a month. Therefore every two weeks I am going in the negative. XXXX said they ca n't change my payment from every two weeks to monthly. He said all they can do is extendd my payment due day up to 7 days. That just charges more interest. The end result is to not go in default of the loan and to have more manageable payments until my situation clears up. However, if they refuse to work with me, then I will have no choice but to default on the loan. I have been a customer of Rise since XXXX/XXXX/2014, I have had XXXX refi 's, and have paid a total of {$6000.00} in interest already from XXXX/XXXX/2014 to present day on a {$5000.00} installment loan. All I ask is for the company to work with me. It can be a win win situation if they allow it to be. Unexpected life events happen unfortunately and I have no control over that. Also, if I would of known at the beginning that the payments goes towards the interest first and then the principle, I would of never agreed to the loan.
08/28/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	WI 53206	Web
RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36301	Web	Servicemember
I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!
05/27/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	ND 58103	Web
I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.
07/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
XXXX XXXX XXXX , XXXX. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. XXXX XXXX XXXX , XXXX. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( RISE ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
11/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29680	Web
On XX/XX/XXXX at XXXX XXXX, I received an fraud email from Rise. The emailed stated that an unauthorized party had access my account and that they recommended that I change my password. On that same day, I changed by password but the website would not allow me to login. I contacted Rise 's fraud department and spoke with a rep. When I explained to her about the email received, she seem to not have a clue what I was talking about. She took down my information and stated that she would call me back. Never heard from her again. I attempted to login in again on yesterday but could not. I contacted the customer service department. The rep I spoke with onXX/XX/XXXX at XXXX XXXX told me that it could have been my internet browser and that is why I could not login. I have an XXXX so she told me to clear out my history but that did not work. She then goes on to say I should try different computers and browsers. None of this work. So I called back again at XXXX XXXX and spoke to someone in the fraud department. I think her name was XXXX. I explained to her again about the email regarding fraud and not being able to access my account. She could not figure it out and told me that she would call me back with more info. I advised her that I refuse to make another payment until I can fully access my account and that they can explain to me about the fraud email.
06/27/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27405	Web
I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
06/10/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 94401	Web
I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.
05/07/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84054	Web
Rise credit kept calling continually after I asked them to work with me. I called them on XX/XX/XXXX to inform them I lost my job and asked for help at least pushing my payments back for a few weeks until I got a new job. They refused to work with me and called non stop. I called in and verified myself with my social security number and asked to be placed on the do not call list after repeated daily calls. Today XX/XX/XXXX they started calling again. I have not agreed to be contacted by phone again. They have tried my bank account for 2 or 3 payments at a time when I had already asked them to hold off for now. I am aware I am in a contract and they have my account number and agreed to payments in advance, which is why I called them in advance and asked for help- but they told me they will do nothing except keep trying my bank account and calling everyday. I have had multiple returned payment fees because they kept trying 2 or 3 payments at a time and I eventually had to shut off the ACH function until I have the ability to pay the fees back to my bank and be able to use my account again. I emailed them today with a cease and desist request. I am not happy with the way they have been treating me. I also let them know I am reporting them. I will not stand to be treated this way.
07/26/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90630	Web
# XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. Thank you so much for any assistance.
01/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 631XX	Web
I talked to rise. I was paying on time, but then I've noticed that the interest rates has increased tremendously. They charged me XXXXXXXX XXXX extra for XXXX ... At first they didn't say that. They told me that it would be XXXXXXXX XXXX at the end of my payments... I called to discuss this letter they sent me... So I've had already paid them two times ... And they have on my credit report in owing more than XXXX XXXX. I truly believe that Rise is a scam, and I will like to take them to arbitration... I told them the sole reason for getting the loan was to better my credit... I also told them that they are charging too much for the loan and that it wasn't the amount that I had the first time. I truly believe that Rise has someway of changing the amount due to hacking... I strongly suggest that you guys make an investigation of what I've stated... I can't be the only one. I believe that they are scammers... They made me so upset that I was using profanity... I'm a better man now, but then I didn't have the patience or self control that I needed to just find a better way to handle the situation... Now they on my credit report... I will like for them to be taken off my credit report, because of my assumption of them being scammers and obsessive interest charges...
11/09/2016	Yes	Payday loan	Payment to acct not credited	CA 92627	Web
I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/ That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}
09/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KS 66762	Web
I filed a complaint on XXXX regarding funds that were removed from my account after the company had agreed to a {$45.00}, then a {$96.00} short term relief agreement. I then contacted the company after nearly {$500.00} had been removed from my account. I requested my payment which would have been due on XX/XX/2020 to be pushed back 2 weeks in order to allow me time to contact the company to settle the original matter, which they emailed me they would. I then cancelled my ACH debt agreement on XX/XX/2020 to allow me more control over the situation until the matter could be settled. I received an email from the company within hours of me stopping my ACH debt revocation stating they were going to refund me {$450.00}. They then sent me an email stating I immediately owed {$360.00} which was due on XX/XX/2020 that was presented to my bank and returned. I have contacted my bank and this is a lie. The aforementioned amount was never presented to my bank, in addition they had already agreed, which I have email proof, to delay the payment to XX/XX/2020. I am tired of being lied to continuously by this company. They now no longer have lending privileges in my state. I have already repaid this loan back double the amount I originally borrowed.
11/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94607	Web	Servicemember
To : RISE Re : Complaint for Loan Number XXXX XX/XX/2016 To whom it may concern, I am a visually impaired person, with a monthly income of less than {$900.00}. I can surely say that I had no idea that the monthly installment would not be applied to the principal loan amount. After my aid read to me just a few days ago that I was not paying off the loan all of the money was going to interest and only {$19.00} was applies to the principal. Not to mention I clearly understand the terms of RISE loans. But I do not have that kind of money. I am requesting that you cease deducting {$520.00} from my bank account effective XX/XX/2016. The loan amount to my understanding should have been paid in six month, according to my understanding. How I was able to allow a family member to utilize my information to obtain this loan? On the other hand I am not mentally or financially able to pay this overpriced loan on a fixed income. Abused my medical condition and scared I into this position, while she works for XXXX and promised to pay RISE it back in full. No response from her, since I paid all her bills with the loan. I have struggled for the last five moths giving RISE most of my income, and I can not make the rent, utilities, or food.
10/14/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	OH 432XX	Web
I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.
01/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
10/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	UT 84103	Web
I 'm putting this in writing so that it is on the record to go with the complaint the I have filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX. I called the toll free number and spoke with some in your office, stated that I want my account closed and all information that I provided digitally shredded. I was told by your employee that they could not do this, that it was against the Fair Credit Act to do so. This is not true. So I have filed a complaint with the above agencies and I may also file a legal complaint in Federal court. I do not trust your company with my data and with all the data breaches there have been, for have information that there is no reason for you to still have as I will never do business with your company. Also make sure that I 'm put on the DO NOT CALL, MAIL, or EMAIL list. You need to digitally shred my banking information as you DO NOT have any legal right to have this information. Also you are put on notice that if ANY breach is made at a later date, that you will be fully responsible for anything from this breach. And that you will be liable both civilly and criminally, as you choice to keep this information. Sincerely, XXXX XXXX
09/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	KS 66762	Web
I called on XX/XX/XXXX, prior to my loan payment and discussed that I have been affected by a recent COVID outbreak in our area which has reduced my income. They agreed to reduce my payments to XXXX for 4 payments. On XX/XX/XXXX, my acct was debited for XXXX. I then called again and spoke with the company on XX/XX/XXXX and was then told they did not know why the agreement was cancelled by the original person I spoke with. They agreed to an arrangement of XXXX for four consecutive payments and informed that they would not try to re-process the previous payment. On XX/XX/XXXX, they presented a withdrawal from my my bank for XXXX and XXXX. Which created an over draft on my account costing me an additional XXXX in fees. I have again reached out to them and my call gets placed on hold for greater than 35 minutes and then the call is disconnected. This is the worst experience I have ever had. I have never been late on a payment to them. I called ahead of my payment being due both times and was assured over the phone that they would start the financial hardship payments, which the blatantly lied after a verbal agreement was reached. I want they " recorded '' conversations to be reviewed.
08/09/2021	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	MD 20748	Web
? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! RISE XXXX XXXX XXXX Account # : XXXX I U? Account Type : Installment I U? Account Type - Detail : Unsecured loan I U? Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U? Date Opened : I U? Balance : I U? No. of Months ( terms ) : I U? High Credit : I U? Credit Limit : I U? Past Due : I U? Payment Status : I U? Last Reported : I U? Comments : I U? Date Last Active : I U? Date of Last Payment : I U? Two-Year payment history Month 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
04/29/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	CA 91342	Web
I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. Thank You
03/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS 390XX	Web
My payment was due on XX/XX/XXXX. I schedule payment for XX/XX/XXXX to save a few dollars on interest but the online system wouldnt allow me to payoff for the XXXX or XXXX of XXXX. After reaching out to customer service. A supervisor stated I couldnt change the payment date or cancel regular payment to payoff earlier because it was sent to the bank to be ach on XX/XX/XXXX. Three days before due date to hit account on Monday XX/XX/XXXX. The supervisor explained he was going to reversed the second payment to equal up to my actual payoff of XXXX to be scheduled on XX/XX/XXXX. However on Monday XX/XX/XXXX. I have a remaining bal of XXXX and was told by the representative that the higher ups wouldnt accept the second payment that on my account and I was responsible for the remaining payment. I have paid XXXX this loan. If the company wouldnt submitted the payment 3 days earlier I couldve paid the payoff on before or before the date due. Interest is adding daily on the balance that supposed to been XXXX. I have talk to several representative and I am being told the pay off wasnt accepted that the supervisor submitted due to the fact the ( supervisor ) quote me the incorrect amount.
03/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35749	Web
A loan from Rise appeared on my credit that I did not take out. I never filled out an application with them. I never received funds from them. I reported it when I noticed it. My credit report shows it was opened on XX/XX/2018 and was charged off a few months later. It is now with the collection agency XXXX as of XX/XX/2018. I have disputed this charge on my credit report several times. I have called Rise and reported it has fraud. They told me to send in info proving it was fraud. I filed a report with the FTC and sent a copy to Rise as they asked. They have denied all my claims of fraud because they said that a check was mailed to my home address. They claim that the check was cashed. I told them I never got a check nor did I cash a check. I told them I never applied for a loan. I have asked them to prove to me the account is mine by sending me the contract or promissory note as well as a copy of the check I was said to cash. I asked for all information about the loan. They have failed to provide me with any information about said loan but still report the account negatively on my credit as well as the collection agency is still presuming me for the loan.
03/23/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29617	Web
Rise Credit under the name XXXX XXXX XXXX sent dated XX/XX/2022 trying to collect a debt for a total of {$4000.00} which is a misrepresentation because you can't pay on a positive balance. They have willfully violated several laws. Fact 1. They are committing Identity Theft using pursuant to 15 USC 1681c-1 Fact 2. They are causing harm to my reputation by reporting inaccurate information on to my consumer reports pursuant to 15 USC 1692d ( 1 ) Fact 3. They are showing false representation implicating that I owe on a positive balance Pursuant to 15 USC 1692e ( 2 ) ( A ) Fact 4. False and deceptive means using to collect an alleged debt stating " Take Advantge of These Great Offers '' 15 USC 1692e ( 10 ) Fact 5. False and deceptive using another business name " Real Time Resolutions '' and " Rise Credit of South Carolina '', 15 USC 1692e ( 14 ) Fact 6. Under 15 USC 1692b ( 5 ) not use any symbol or language on an envelope or in the contents by the mails or telegram that indicates that the debt collector is in the business of collecting debt. They display a logo XXXX XXXX XXXX and in the contents is states that " this is an attempt to collect a debt. ''
10/06/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	WI 53402	Web	Servicemember
On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.
10/29/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 31909	Web	Servicemember
I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.
10/17/2018	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	DE 199XX	Web
I paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
07/25/2018	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 Was not notified of investigation status or results	TN 380XX	Web
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX XXXX ( his phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX XXXX and it was confirmed the dispute was received. As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.
07/02/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WI 54313	Web
My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. I seen well before I decided to step into these people offers something is a miss. First off this debtor stated they gain 200 % profit on that money. Second if this is allowed, why do you folks allow such practice? Finally, I will also suspect a change of hands in finance institutions as a form of power gain. This means my credit is out in the open for any type of predator/power grasp to push out to happen. This means you folks are not doing your job to protect the consumers and citizens of this country. You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. Fix the problem XXXX
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MO 636XX	Web
On XX/XX/XXXX I sent a letter to Rise disputing a negative account I found on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter at the post office. On XX/XX/XXXX they sent me a letter stating my letter was irrelevant and they were dismissing my dispute. I checked my credit report on XX/XX/XXXX and Rise never marked my account disputed. On XX/XX/XXXX I sent a second letter to Rise disputing the negative account listed on my credit report. On XX/XX/XXXX Rise sent me an email of " proof '' of this account being legitimate, although they did not send me an original signature like I asked. I checked my credit report on XX/XX/XXXX and Rise still never marked my account disputed. On XX/XX/XXXX I send a third an final request to Rise disputing this negative account on my credit report. On XX/XX/XXXX XXXX XXXX signed for this letter. I checked my credit report XX/XX/XXXX and the account is still not disputed. Under the current law, the company had to mark this negative account on my report as disputed and they have refused to do so the three months.
02/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NM 88101	Web
In XXXX of 2017 I applied for a {$2500.00} loan and was approved with Rise. I was aware of the high interest rate of 238.90 %, but at the time I needed some financial assistance and this was my only option. The payments are due approximately every 2 weeks. Since then I have made approximately 32 payments of {$230.00}, which sadly comes out to about {$7500.00}. I called today to pay off the loan and was shocked at the amount they gave me, {$3300.00}. If I paid that amount, the total amount paid is {$10000.00}, which is more than the term of my loan agreement. It appears that all the payments I have made has only been going to interest and I have not been applied towards the principal. I was reading up on New Mexico 's laws in reference to loans of {$2500.00} or less and I just do not see how this company is able to make me pay more than what is in my loan agreement. I am not able to retain a lawyer to look into this, so this is the route I am having to take. I would greatly appreciate any and all help/information you could give me. Sincerely, XXXX XXXX
12/24/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91803	Web	Servicemember
Rise Credit issues a short term loan to my sibling who took it out in my name. When I found out about it I attempted to resolve it but the rate was insanely high and they wanted a payment that was astronomical every other week instead of monthly as they stated to me after I found out. The account was unattainable and went to collections. I was able to settle the debt through the XXXX XXXX XXXX and they assured me in exchange for the settlement it would reflect paid in full and the Rise would be deleted from my credit report. being naive and wanting this resolved quickly I took them at their word that both companies ( Rise and XXXX ) would be deleted from my credit report. That still has not happened and when I dispute it through the creditors with the information I do have they state that it has to stay on my credit because it was purchased by another lender. I've reached out to both companies and they refuse to help me understand why I was misinformed by their representative and What benefit they have to keep trying to smear me and they just hang out.
01/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 366XX	Web	Older American
My husband lost his job. He was told to go home from the Social Security worker he talked to and they filed for his XXXX. He was denied. He is currently on SS retirement but when his XXXX was denied, he was told to re-file. This has severely cut into our income and I am unable to currently make the payments to Rise that they demand. I have tried talking to several representatives but no one can seem to help me. I have done a couple of deferrals and of all things, they have added so much interest back to the loan at this point, I do not know how I will ever pay it off. I thought maybe I could do an early payoff using my tax refund, but I can not even get close to paying it off now because of the added interest. If this is an installment loan, and I pay it off before the maturity, I should be not have to pay the total interest on the loan. I am trying to figure this out but they are going to affect my credit and make it impossible to pay them. I am willing to pay them a reduced amount every month, but no one will even discuss this with me.
02/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 303XX	Web
I took out a loan with Rise credit in XXXX of 2021. Ive been just allowing an auto draft and decided to check the amount owed and why this loan is not paid off. I checked my account and realized Ive made 28 payments in the amount of XXXX and 4 payments in the amount of {$87.00}. This totals {$5200.00}. My loan amount was for XXXX. Not only are they overcharging, but the balance on the loan amount still shows XXXX! I refuse to believe this is a mistake after reading other complaints from consumers who utilized this service on XXXX This is intentional and disgusting. Im willing to take this so far. I expect my money back in my account, my account standing to be paid in full on GREAT terms, and this to be resolved immediately. This is really sad because it is indeed intentional. You all should really do something about this company! These arent lies from consumers and I have all the proof drafting out of my account as well as screenshots and videos of my balance. I have everything! My lawyer will take this to the extreme, honestly.
08/06/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MO 63118	Web
Rise credit lending is a predatory lending Company. They have destroyed my credit for years now. XX/XX/XXXX I was given a {$2200.00} loan with an interest rate over % 100. I paid them over {$7000.00} in less than one year. Last payment made was {$2000.00} XX/XX/XXXX under the advisement that the balance would be paid in full. Yet they held onto my loan for another full year with a small balance and accruing interest all the while. XX/XX/XXXX they then sold it to a collection agency which has given me another 7 years of a derogatory mark. I have been writing letters and explaining to both companies for years. FINALLY the collection agency agreed with me that what they did was illegal. Collection agency removed themselves from my credit report ( thank god ) Rise on the other hand refuses to remove themselves. Also The information/dates/payments etc reported on my credit is false/wrong/illegal. discrepancies all Across the board & Completely wrong information. It updates daily and I have had no choice but have them linger.
01/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	UT 84020	Web
I had a prior loan with this company and refinanced it, on XX/XX/XXXX i refinanced my current loan, they automatically take the payments out of my bank every other week, ( on my payday ) While i was vacationing i had my bank account compromised, i called Rise and informed them of this and told them one payment would not clear but all subsequent payments would be fine, they then continued to take 6 payments and applied all to interest due to the one missed payment, but did not explain this missed payment would do this to my account, finally in XXXX i got a supervisor that credit one payment as interest only but I still do not feel taking over 600.00 in interest only payments due to the misfortune of my bank being compromised was fair to me nor did they explain to me this would be the case, they did not offer me options like a deferment to prevent this until 6 months after the fact. the payments that did not include any principle payment were dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as shown on my invoice attached.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29063	Web	Servicemember
RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.
06/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 443XX	Web	Older American
I had a leak in my roof and needed extra cash fast. So I took out a loan from Rise on XXXX for a XXXX for 7 months at XXXX a month I took a beating on the interest but I needed the money. The last pay was gon na be XXXX but I've had trouble with my account so I ask could they take it out on the XXXX they said yes everything is set. I called on XXXX and told them my money was in there now and if they wanted to take it on the XXXX they could or wait til the XXXX. They said they would take it on the XXXX they didn't, they didn't on the XXXX so I called them and they say I got to send another authorisation for ach withdrawal because for some reason they can't do it without it. Trouble is now they say they can't withdraw the money til XXXX Now which includes late fees and interest which is no fault of my own. My bank said they have no reason to not be able to get the money. I'm trying to keep my credit going up and 100 % on time payments. Don't know what to do. Please can u help?
10/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90057	Web
I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.
07/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95678	Web
I received a pre approved loan application from Rise credit in the month of XX/XX/XXXX. I applied for the loan in XXXX of XXXX. I was approved for the amount of {$4000.00}. I set up the payment process online which was already selected for me since I am paid bi-weekly. My payments are {$260.00} every two weeks. I noticed that my balance has not gone down. The balance shows that I still owe {$3800.00}. I called and emailed this company and stated that I have been on time with my payments and should be close to paying it off. I was told over the phone that I owe {$3800.00}. I said that is impossible when I have already made XXXX payments. I asked if there was a glitch in their system and the representative told me when the loan is paid off you will know. I am very upset and this does not make any sense to me. I need assistance with making sure that my balance reflects all the payments that I have made. I will NEVER borrow money out of desperation again. Lesson learned
11/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83605	Web
SIR IN MID XX/XX/XXXX I TOOK OUT A ON-LINE LOAN FOR XXXX DOLLARS.I WAS UNDER THE IMPRESSION THAT I HAD 48 MONTHS AT {$290.00} PER MONTH, THIS WAS NOT THE CASE AT ALL, IT WAS {$290.00} BI-WEEKLY.AFTER SEVERAL WEEKS PASTED THEY AGAIN TOOK {$290.00} FROM MY BANK ACCOUNT.I THEN CALLED RISE AND TOLD THEM THEY HAD MADE A MISTAKE AND THEY TOLD ME IT WAS I WHO MADE A MISTAKE.I EXPLAINED TO THEM THAT I WOULD LOOSE EVERYTHING IF IT CONTINUED, THEY DID NOT RESPOND.APPROX.3 WEEKS WENT BY AND I APPLIED FOR ANOTHER LOAN TO PAY OFF RISE, AND SENT THEM A CHECK FOR THE LOAN AMOUNT OF {$3500.00} IN WHICH THEY RECEIVED AND APPLIED TO MY ACCOUNT.I THEN CALLED RISE TO MAKE SURE THEY APPLIED THE XXXX PROPERLY AND THEY TOLD ME THE ACCOUNT WAS STILL BEHIND, THEY SAID I STILL OWED XXXX DOLLARS BECAUSE THE CHECK DID NOT GET THERE IN TIME.SO NOT THEY CONTINUE TO ADD EVERY TWO WEEKS {$250.00} TO THE XXXX. NOW ITS UP TO {$850.00} AND THEY SAID ANOTHER {$250.00} AND THEY WILL CONTINUE TO DO SO.
11/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 360XX	Web	Servicemember
This loan was taken out in XXXX of 2015 from Rise Credit, in XXXX of 2015 I was given I/U ( individual unemployability ) from the VA. I called Rise Credit they said as long as I had some type of income this loan would continue. I have made XXXX payments on this loan and now I owe more than I originally took out. I have called XXXX times and given the same lie. That when the next payment came out my balance would be lower. That has n't happened yet. My payments are {$530.00} per month, my original loan was for {$2200.00}. I have paid back {$2600.00}. I believe that is enough of payments although per contract I still have XXXX payments left of {$530.00} which equals {$5300.00} and that is n't including what I have paid already. This loan is predatory and given my XXXX status should be dismissed. If the government can forgive my student loans for fighting for my country I should be able to get a loan where I am not being taken advantage of. Please help me with this.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60652	Web
HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED
09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 454XX	Web
I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.
06/13/2016	Yes	Payday loan	Can't contact lender	UT 84065	Web
I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a correspondence to RISE ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).
12/30/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	DE 19977	Web
To Whom It May Concern : I paid my balance off in full the Rise Credit company on XX/XX/2020. The credit report update made for XXXX is not reflecting my balance being paid in full. It is only reflecting the payments I made in XXXX. In speaking with Rise Customer Service, they stated that their system reports payments made in the previous month not the payments in the current month even if it is paid in full. I disputed the balance with the credit bureau, but Rise Credit is responding saying the balance is correct. Since my payment was made in full on XX/XX/2020, I believe that Rise Credit should have reported to the credit bureaus that my balance is XXXX. Rise Credit reporting that my balance is {$3900.00} after my payment was made is incorrect on my credit report and I would like it to be resolved by updating the credit bureaus with the correct balance of XXXX. See attached payment in full documents and screenshots.
12/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA XXXXX	Web
On XXXX/XXXX/2015, I took out a loan from Rise Credit for {$5000.00} because I was faced with a financial hardship. That hardship included vehicle almost getting repossessed, hard time paying rent, and etc., because I did n't have any other outlet to borrow money from. Even though the money provided a temporary relief at that moment, I have been struggling to pay the loan. It seems like they know when I get into a difficulty because they would offer a refinance option which basically gives you the principal that is paid down from the amount borrowed. This option makes the situation worse because every time they offered it, I basically had to start over and to make matters worse, they do n't even try to lower the interest rate. In another desperate need for help, I reached out to them for a refinance and they told me that you only get three refinances and that they could n't do anything until the loan is paid in full.
08/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30024	Web	Servicemember
During the past year, I have made repeated attempts to XXXX and the other reporting agencies, to report inaccurate balance reporting by Rise CREDIT LLC, where I have shown, that my account was up to {$3500.00} lower than you were reporting. However, you persisted to fraudulently report inaccurate balances, even when you were advised by the reporting agencies, that my balance was much less. Your actions were/are an on-going criminal-enterprise, with reckless disregard '' for my personal finances, happiness and peace of mind, where you continue to violate my rights, with malice aforethought, causing me hardship, stress, and financial cost, and legal hardships, with reckless disregard for my well-being and enjoyment of life. Please be aware, that I intend to pursue all legal remedied available to me, for this continued pain, distress, suffering, and mental anguish, caused by all parties, including, XXXX.
10/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 75040	Web
I applied and was declined for a loan - which wasn't a surprise. After being declined, I called customer service and asked for my account, including my banking information, to be closed/deleted from their files. I was told by the day manager XXXX that it was ILLEGAL for them to cancel my account. That is absurd. I do not owe them any payments - there is no reason for them to retain my bank account information. XXXX also told me they will be keeping my information for 25 months. When I said ok, you can't close my account can you please just remove my banking information, she again refused saying it was illegal for her to do so. Nowhere in the documents I saw or signed was there information saying a DECLINED account can't be canceled or that they will keep your information for 25 months. This is something that should be disclosed to consumers. I have also filed a complaint with the XXXX.
10/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	UT 84601	Web
I went to check my balance today and the history and it turns out all the payments have gone to interest, nothing is being applied to principle, when I asked XXXX if they could at least change the pay dates since i'm negative every time they run the payment he said no, i was told i could adjust it prior if it was to the point where it was hurting me financially and it has been, with everything going on with covid my checks are a lot less and I have asked for help prior and was told they still could not do anything. I asked if we could lower the payment because they offered that prior and now I am told that they will not. The loan was for XXXX i've paid over {$4500.00} i was told i have another year from today to finish paying off the loan leaving it at almost XXXX in total. {$10000.00} in interest is a lot and for the company to not work with you when you have been making payments.
08/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. All these items were included which is why I was able to receive their letter! I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.
11/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 39206	Web
XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. It was unclear when applying what the bank verification was trying to attempt. The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. My income check auto deposits to a Credit Union in a different state than where I live. I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. .
08/13/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75149	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Rise Credit Dear Sir/Madam, Re : Original Creditor- Rise Credit Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, XXXX XXXX XXXX
10/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	PR 009XX	Web
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan. I provided my information. I was notified by XXXX that Rise had requested my credit report without my knowledge. I called into Rise Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from Rise calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. Rise has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. Rise has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
05/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 622XX	Web
When I looked at my online account balance on XXXX, it stated it was - {$200.00} ( meaning I over paid and was due a refund ). However, when I called to inquire about my overpayments, they told me I still owed {$150.00} on the loan. They claim to have no record of what I saw on my end, I sent the company a screenshot and explained that it was fraudulent behavior to have differing account balances due, they said I was looking at the wrong balance and should have been looking at another page. From my understating the account balance should accurately report the balance a consumer owes consistently on all pages, formats etc. There should not be differing balances due, that is in direct violation of the fair credit reporting act. Desired Resolution : Refund Desired Outcome : Account settled and reported as paid in full as agreed and a refund of {$200.00}.
03/23/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 38106	Web
On XX/XX/2019 I called and asked if there was a way to lower my payments due to hours being cut at my job and then the owner of job site is considering closing for some weeks because of the current corona virus situation. I was told I couldnt lower my payments because I didnt qualify because my account is a credit line. I was then offered to to do an extension which means on the next due date of the loan payment I would be paying double ( My loan due dates are the XXXX and XXXX of every month ). I thought this was outrageous. The representative was very understanding of the situation and she did go to her supervisor to see if I could qualify for further assistance but I got denied. I am a customer who hasnt had any issues with paying but I was calling to try to get help and to let them know my situation but the company wouldnt try to work with me.
01/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 920XX	Web
XXXX XXXX XXXX has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to XXXX XXXX to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
03/28/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI XXXXX	Web
I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not. Kindest regards, XXXX XXXX XXXX
04/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ND 58554	Web	Servicemember
Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.
11/19/2021	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	TN 370XX	Web	Older American, Servicemember
Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to XXXX stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.
12/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 95965	Web
I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.
07/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MS 393XX	Web
XXXX sent an alert to XXXX that I had open a new installment loan XX/XX/2022. The account was with Rise in the amount of XXXX, XXXX. I contacted Rise to inform them that I didnt open an installment loan with them. I contacted the local police and filed a report. Also I filled out a form with the federal trade commission. I sent both of these reports to the fraud department at Rise XXXX XXXX. I received a letter in the mail from Rise stating that they did an investigation and determined the loan wasnt fraudulent. I have used Rise in the past but its been a long time. I didnt take out this loan. The loan has reduced my credit store. I have placed a fraud alert on all my accounts. When I called Rise they said there was past due payments too so if they report these, this will make my credit worse!
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33178	Web
Someone got a {$5000.00} loan under my name with company/bank called RISE ( which is somehow related to XXXX ). This is hurting my credit really bad. My score is down close to 200 points ( so far ), other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. Please HELP!
12/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76133	Web
XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I would like to add to an existing complaint. Complaint No. # : XXXX. XXXX XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
01/07/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 79605	Web
Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.
03/08/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90041	Web
Hard inquiry with RISE was reported that is wrong and want removed. Inquiry : XX/XX/2018. I had a loan with them last year that was paid off in 2018. I would NEVER get another loan from them again as they charged me 134 %. I called about this and was left on hold for 40 minutes. They did nothing to address my complaint. Also I've had seven " pre approved emails from them this year XXXX alone and want them to stop. Although I unsubscribed from the email list and called to stop receiving " prescreened '' offers of credit from them XXXX ( XXXX ) they still keep coming. This company is unethical with the percentages they charge and I did NOT look for another loan XX/XX/2018. I was busy casting a TV show and fully employed. RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
02/17/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web
I filed for Chapter XXXX Bankruptcy in XX/XX/2018. A Rise Credit loan ( loan # XXXX ) in the amount of {$4000.00} was included in my petition. In spite of the Automatic Stay, Rise Credit is continuing to collect this debt : On my XXXX credit file Rise Credit is continuing to report this loan as ( 1 ) Current Status : " delinquent, '' and ( 2 ) Description Remarks : " Bad Debt/Placed for Collection. '' I have now disputed this account TWICE with XXXX, but Rise Credit keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. I am requesting that Rise Credit update the account language and descriptors on my XXXX file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
02/18/2016	No	Consumer Loan Installment loan	Managing the loan or lease	AL 35244	Web
Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.
06/14/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29642	Web	Servicemember
They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
11/28/2017	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37931	Web
I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. This company is robbing people!
12/27/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	KS 67217	Web
I received a mail out stating that I was pre-approved for credit and to go online and apply. I did so and entered into a line of credit agreement in the amount of {$2500.00}. Not payment schedule was mentioned or disclosed at the time I took out the loan. First payment of {$77.00} was automatically withdrawn from my checking account. The payments are bi-weekly and the second one jumped to {$240.00}. My gross income is XXXX per month. I have XXXX child and simply can not afford this high of a payment. My father called on XXXX XXXX, 2017 and tried to get the company to lower the payment. They said that they could do whatever they wanted to and refused to address my concerns. The APR on this loan was 199 %. I feel this company is operating on an unfair and deceitful basis.
09/01/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	TX 75248	Web
The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91505	Web
RISE Credit fraudulently pulled my XXXX credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with RISE, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my XXXX credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with XXXX and was told they have not received a directive from RISE to remove the inquiry. I spoke with RISE and they told me they had, in fact, requested the removal of the inquiry from XXXX, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but XXXX is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
05/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 951XX	Web
I signed up for a loan pre-COVID and have made regular payments on-time to Rise Credit. When the pandemic happened, I lost my second job and reached out to Rise for additional help. They deferred a few payments but the annual interest is 220.68 %, which I recognize I agreed to when I signed the loan agreement. However, when I contacted them recently to come up with a resolution they told me that they can't refinance because the system is automatic and will offer me to refinance when the system allow it to. I currently owe {$4000.00} ( principal {$2400.00} ) When I told them I would pay {$1000.00} off per month to help bring the balance down, they said I could but that it could go back to the $ XXXX amount, which seems odd to me because I'm paying the balance down.
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79936	Web	Servicemember
Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.
10/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA XXXXX	Web
Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. Please advise Rise to remove this hard check from my credit report and remove this pending application.
12/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	UT 84094	Web
I did not ask for a loan from Rise Credit - They are claiming i have an open account with them and that they lent me money. I did not receive any money from them and the last XXXX digits of the account they claim to have sent the ACH Transfers do not match any account that i own. I have explained this to them and they will not move forward with trying to find out who the money was transferred to and they sent me to collections. They would not send me any proof of request for the loan. I believe they are a fraudulent company and my credit is now also being affected by their claims - i have been unable to resolve this with them directly and the collections company is continuing to pursue action even though i have explained that the account is fraudulent.
11/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	IL 60611	Web
On Friday, XXXX XXXX, XXXX, while reviewing my XXXX credit report, I noticed that 2 loans that I had taken with Rise Credit were incorrectly reported as open. The two loans, opened on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, were paid in full, as agreed, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. It was then made clear that Rise stopped reporting the loan information once they were paid. I therefore followed up on XXXX/XXXX/XXXX with Rise 's internal disputes team at the suggestion of the customer service agent. He suggested a 2 day turnaround. I still have not heard from Rise, nor have they acknowledged my complaint. Therefore, today, XXXX XXXX, XXXX, I have disputed the information with XXXX, as well as filed this complaint with the CFPB.
06/04/2018	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 Problem with personal statement of dispute	CA 92154	Web
XX/XX/XXXX account was settled in full. I called Rise on XX/XX/XXXX, to ask for the balance since I will be settling the account in full and early and made a commitment to pay it on XX/XX/XXXX without late fees and they agreed. Lately, I was checking my credit score and found they have reported that I have a late payment in XX/XX/XXXX which is not agreed during the call. I called Rise and inform disputed that I should not have a late payment, one of the rep agreed and will get back to me. Waited for a month and didn't get an update. I called them again and the rep told me it was valid but don't have the proof to send me how he validated the missed payment. I need help to have this removed from my report with XXXX as it was not accurate reporting.
12/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	UT 840XX	Web
XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.
04/19/2017	Yes	Payday loan	Charged fees or interest I didn't expect	AP XXXXX	Web
To whom it may con cern, I 'd like to make a complain abo ut RISE Credit. W e originally signed up for a {$3000.00} with an interest rate of 208 %. I have been paying {$520.00} every month and paid a total of {$5500.00} and they want me to pay them until 2018. This has been a burden for me and my family. As an XXXX XXXX military member i have reached out to my chain of command regarding this issue. I have been advised by financial counselors that in accordance w ith Military Lending Act says that you ca n't be charged an interest rate higher than 36 % on most types of consumer loans and provides other significant rights. I am currently working with my loca l Judge Advocate General 's Office to g et some help with legal issues.
09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63128	Web
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.
09/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60564	Web
Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.
11/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN XXXXX	Web	Older American
I have borrowed {$3100.00} from Rise Credit but have paid back to date {$8600.00}. However, my balance showing on their web page is still {$1400.00} as of today XX/XX/XXXX. I sent them an e-mail about this today but I don't expect them to budge as they never have before. After I made the first few payments to Rise I asked what their interest rate was since my payments were going up each month and they quoted 198 percent. If that is so, how could I still owe them {$1400.00}. That interest rate is extremely high. Rise did not inform me of this interest rate at the beginning of the loan. As a widow since XXXX with XXXX children to raise and educate, this has had a terrible impact on my finances. Can you please help.
08/08/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : RISE Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, TX XXXX XXXX : RISE Amount : {$700.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
07/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 35124	Web
Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
10/19/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 35758	Web
I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....
08/21/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	WI 546XX	Web
I received an advertisement in the mail about RISE loans. No where on the paperwork they sent me did it indicate how much interest is charged. The advertisement refers people to a web site : RISEcredit.com. There is no indication on that web site as to how much interest is charged. I had to call XXXX to find out the interest rates start at above 36 % and top out above 300 %. Is n't interest information required on these advertisements? This was an unsolicited loan offer, telling me I was " pre-selected ''. Does that mean, low income or having a poor credit rating, making me vulnerable prey to a XXXX company? If interest rate info is not required on these ad 's, it needs to be required.
12/15/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.
10/28/2015	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44310	Web
I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.
06/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92592	Web
I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.
09/03/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37211	Web
Rise charges a customary fee. According to my contract that fee is calculated at XXXX per day. I am being charged over {$120.00} biweekly for the customary fee. As of today i have paid {$1100.00} towards this loan and only {$180.00} has been applied to the principle. When i call customer service i get no intelligent response only that because i live in Tennessee and Tennessee has laxed loan shark laws Rise is allowed to charge me as they please. My contract also states the interest and commissary Fee are an equivalent of XXXX but i am being charged that as additional interest each statement. As of today i have paid over {$750.00} for this customary fee.
04/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	IL 60619	Web
On XX/XX/XXXX I took out a loan with Rise Credit in the amount of {$2000.00} # XXXX and made my payments on time per loan agreement. On XX/XX/XXXX I paid off the loan in full and received a paid in full email conformation. As of XX/XX/XXXX, my credit report is still showing that the last payment was made XX/XX/XXXX, and a balance owed of {$1500.00}. I've called and spoke to a representative with Rise Credit several time requesting that my credit report be updated. The only thing that Rise could offer is a paid in full letter. It appears to other creditors that I'm not paying down the loan and would hurt me getting approved for other credit loans.
09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 352XX	Web
This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
04/24/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 631XX	Web	Servicemember
I applied for a loan online, I've made the payments on time every pay period. My loan amount was {$1200.00} I've made over 14 payments on {$160.00} and my balance is still {$980.00}. I was told I would make 12 payments and my loan would be paid off, but its not. I've paid back the loan and more and still no where near close to paying this loan off. I don't read well so I had the agent to explain my loan documents. If I would have known that I would have to pay 4-5 times that amount I would have declined. I'm not trying to no pay what I owe, because I have paid that and more and no where near done. I need help they took advantage of me.
08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 789XX	Web
On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
03/15/2017	Yes	Payday loan	Applied for loan/did not receive money	SC 29501	Web
I was checking my credit report with XXXX, and I l seen an hard inquiry that was not done by me ... Rise is the name of the company, I have disputed this inquiry several times with this company and they still refused to take this inquiry off of my credit report. I have fax letters and also told them that I have identity theft on my report. They still have n't shown me proof of me signing anything in my own hand writing. I have applied for several jobs and was turn dwn because of this hard inquiry. All they say is that the hard inquiry is mines base on my name, and address ... I want this inquiry DELETED/REMOVED off my report ASAP. Thanks
11/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44107	Web
This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.
03/29/2016	Yes	Payday loan	Charged fees or interest I didn't expect	IL 60443	Web	Servicemember
I signed an on line contract for a XXXX loan ( I live in the State of Illinois ) the loan is for XXXX payments in the amount of XXXX XXXXXXXX98.4 % interest rate. The loan started in XXXX XXXX XXXX and I have made 7 payments, sometimes paying before the due date and extra. The company has taken all of the payments except for approx. XXXX and has applied it to interest. I was not aware that this was illegal in Illinois and that the max pay day loan is for 6 mos. I tried to speak with them to change my contract per IL law and they refused. My last loan payment is due in XXXX XXXX please help me to void this illegal contract
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94503	Web	Servicemember
I have disputed account on my credit report held by : XXXX XXXX RISE CREDIT on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95126	Web
I contacted the company ( RISE ) to dispute the information they are reporting to Transunion Credit Bureau. I asked for the documentation of the debt being mine and a record of the payment history for the account with them. I did not receive any items indicating the account status or my ownership. The company also did not notify Transunion within 30 days that I was disputing the information on their credit report. This is a direct violation of FCRA 611, 602 AND 603. The company ( RISE0 did not notify Transunion of the item being disputed thus having the credit report indicate the item was being disputed by the consumer.
04/16/2016	No	Consumer Loan Installment loan	Managing the loan or lease	AL 35244	Web
This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.
03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35007	Web
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
08/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92508	Web
I have an installment lending creditor who has failed to properly report information to my credit bureau. This has happen with the past XXXX loans I 've had ( XXXX of which have been paid off successfully ) I 've opened up disputes and they have failed to resolve. Even thought they advertise on their website they report to credit bureaus. Also, I have a feeling that I may have been not given the best rate when I applied for another loan as my credit history was not correct and their paid off loans were not reflecting. I 've been trying to work with Rise for more than XXXX days and they have failed to resolve my issues
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35803	Web
I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
03/29/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60649	Web
I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )
07/02/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	OH 45342	Web
This account is paid. In full. Never received anything from a collections company as it states on my credit report Collections/ Charge off. I took out a {$800.00} loan for XXXX and paid it off. I was not notified about collections or anything. And even sent emails to apply again for another loan so I am confused here. Not sure why this negative remark is on my report. And this is the only thing stopping me from A morgage is a old loan in 2016 for {$800.00} when I was a single mom to help with XXXX and paid back this loan with tons of interest all to get a negative remark. Pretty frustrating.
10/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39212	Web	Servicemember
Tried to pay account the website would not let me pay my loan when logging in the rep said I had a day and deadline to pay it on the day of the deadline it after logging it the website would not allow me to make my final payment therefore therefore causing me to default on my loan I also tried calling the office and was unable to get a rep back to accept payment rise makes it difficult to get assistance to get anyone on the phone to pay and locks up their website on the date the payment is due causing the consumer to pay late fees and terminating account due to their system error
03/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90242	Web
I obtained a loan for {$2600.00} because I was desperately in need. The loan originated in XX/XX/2019. The interest rate of the loan is 219.08 %. To this date, I have paid {$2300.00} and still have a balance of {$920.00}. Because of the coronavirus, I had work reduced and I reached out to the company to request interest deferment. They refused to assist me with my request. They only offered loan payment extension which do not help because the interest keeps accumulating. I would like to see the CFBP reach out to them and ask what their procedure is for these difficult times.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84047	Web
Rise Credit is reporting a loan on my credit that is not mine. I recently checked my credit and noticed a loan that I never opened. I contacted the police and filed a report because this account was open fraudulently & the case number is XXXX. I had contacted Rise to let them know that I did not open this account and someone was trying to steal my identity. They assured me that they would rid of the loan but they have not. This is not mine and it needs to be removed from my credit file. I have filed a report with Identity Theft as well. This needs to be removed immediately.
05/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 454XX	Web
I borrowed approx 5000.00 dollars from rise credit. I paid a lot of it back but then had problems paying. I contacted a pay day loan negotiator service XXXX XXXX XXXX XXXX. I paid them several thousand dollars to help negotiate with Rise Credit. There were trying to negotiate a settlement with Rise credit but was not able to so I stopped paying them too. I borrowed approx 5000 and rise has reported to credit bureau I owe them XXXX! I tried to dispute it via XXXX disputes process but it remains on my credit report. Charging a fee of of double I borrowed that is ridiculous!
02/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 43612	Web
Rise Loans, I borrowed from this company before and have paid in full all of my loans with them early if not on time.The last loan I took was XX/XX/2015, FOR XXXX, and lost my job XXXX with no income what so ever .They were unwilling to work with me in any way other than to satisfy my debt with them .as early as yesterday the loan was sent to a third party to collect., XXXX. out of Kansas I do n't know if there is any help for me as I got caught up in this whirlwind world of Payday and Instalment Loans! I amm really trying to build myself back up but do n't know how too
06/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	WI 54304	Web
Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call. My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.
04/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90249	Web
My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.
10/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 535XX	Web
Someone fraudulently used my information to take out a {$2000.00} loan through Rise Credit. They used my social security number but then used other fake information to take out the loan. I didn't find out about it until my credit score dropped 150 points and started to investigate it. I have talked to Rise Credit already and they said I needed to file a report with you as well. It still has not been removed off of my credit report and I am getting very frustrated with it. The debt has now been sold to XXXX and I have attached their letter that they just sent to me.
01/17/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30144	Web
My wife and I each have a personal loan Rise Credit XXXX XXXX, LLC D/B/A XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX. Both of our loans were one month behind and we received a letter from Rise saying that if we paid two months immediately, they would credit my account for one payment as a bonus and two months on my wife 's account as a bonus. When we paid the amount they requested they refused to give us the credit they promised and are threatening us with action if we don't pay the amount they promised to credit our account. Their phone number is XXXX.
01/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90802	Web	Servicemember
I received a loan of {$4000.00} to be paid back @ {$250.00} every 2 weeks. Instead of the loan going down after XXXX payments my loan amount went up to {$4500.00} I was informed that they charge a " Per Diem '' fee of anywhere from {$16.00} to {$20.00} per day till the loan is paid off. My APR was set at 148.03 %. I was also told some people are charged up to 299 % APR fee. Is this legal? I believe this company is offering predatory loans.If I pay them according to the way they are charging me the loan pay back is {$11000.00}. Please Help before they ruin my credit!
02/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 366XX	Web
MY NAME IS XXXX XXXX XX/XX/XXXX I PAID OFF LOAN # XXXX WITH XXXX XXXX. I OPENED IT UP XX/XX/XXXX. I HAVE PAID BI WEEKLY PAYMENTS OF XXXX WITH XXXX XXXX STARTING ON XX/XX/XXXX. WHEN PAYING LOAN OFF I OWED MORE THAN I BORROWED ALL MONEY WAS GOING TO UP FRONT INTEREST AND FEES. MY PAY OFF WAS XXXX. AND I WAS TOLD THAT THE LOAN CHARGED {$17.00} PER DAY FROM YOUR LAST PAYMENT TO YOUR NEW PAY DATE ( EXAMPLE XX/XX/XXXX TO XX/XX/XXXX ) I ONLY BORROWED XXXX AND PAID THEM {$2600.00} IN PAYMENTS AND STILL HAD TO PAY {$2300.00}. PLEASE HELP ME WITH THIS ISSUE AND UNFAIR CHARGES.
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	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.
11/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29445	Web
The debt collector for Rise has contacted my ex husband on several occasions inquiring my whereabouts and how they were going too send someone out to my residence too pock me up. I have not stayed with my ex husband for over 12 years and they tell him all the details concerning the loan such as the company it was borrowed from and the amount that was borrowed. He has told him on numerous occasions to stop calling him concerning me. His name is nowhere on the account and I dont appreciate them contacting him about my finances. The name of the collection is XXXX XXXX.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
04/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91913	Web	Servicemember
This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126 % ) interest ra tes! They can not be taking advantage of the XXXX XXXX and XXXX XXXX personnel who need money to pay for bills and financial hardships that arise! I will not pay this loan back in the amount of XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!
04/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93003	Web
I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming
11/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94610	Web
Do to the covid 19 pandemic, i was furloughed from my job for a few months, that resulted in me being late on 1 payment. I made the payment up, after checking my credit report i found they were reporting me late, i made the payment before it was 30 day 's late. I wrote a letter to the ceo of the company Mr XXXX XXXX, i explained to him what happen and that i was trying to purchase a new home next year, and that this one late could hurt my credit score. He forwarded it to XXXX XXXX She works in the Executive department, she said she could not remove the late.
03/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92545	Web	Older American
I entered into a contract with Rise with an interest rate over 100 %. About a month or two after the first payment, the XXXX of California passed a law that was codified as CA Fin Code 22750 that states no person has any right to collect or receive any principal, charged or recompense in connection with the transaction. ( rates in excess of 36 % ) I have tried to resolve this with the company but have had no success. In an attempt to collect their debt they are citing an amount of interest and principal that violates this law on all three credit bureaus.
01/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30294	Web
The Inquiry was made on XX/XX/2017. The amount was {$5000.00}. The interest is at 58.81 % and i was going through a tough time. I have paid all the interest on the loan and cant get a logical reasoning on why there is not a settlement option or even a refinance option. The only answer that i receive is that " Everything is automated and the system lets us know when you have those options '' I need to speak with someone who can make those decisions. I have about {$3700.00} dollars in interest and still have a balance of almost {$4000.00} left on the loan.
01/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44112	Web
I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.
02/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28504	Web	Servicemember
I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.
01/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36830	Web	Servicemember
I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over 20 points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.
06/14/2018	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 Problem with personal statement of dispute	CA XXXXX	Web
In reference with CFPB Case # XXXX company reply. I do not agree to Rise decision as since it was clearly indicated that i called on XX/XX/2017 which i was recalled that if i pay the offer of {$1600.00} there will be no late payment on the account which i accepted and settled the account. I would like to have a copy of the transcript of the call recording made on this day. If they could not provide the recording i would like to have the late payment removed on my credit report. Since the verbal promise was not acknowledged.
12/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60073	Web
I received a pre-approved offer from this bank which lied about the APR. They told me what the rate would be, and it is way higher than Illinois ' 26 % APR. I never authorized the hard inquiry and did not accept any loan from them. They have been spamming my email and I had to block them. I have called Rise and they said there was nothing they could do. I would like them to remove their hard inquiry from my report since they were dishonest about the rates and did do a credit check before telling me their rates. Thank you
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97213	Web
While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.
06/05/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 53143	Web
They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.
09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93312	Web
My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down
02/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95240	Web
I took out a loan for {$3000.00} with Rise Credit ... they told me my payments would be {$270.00} per month. Then they started taking {$270.00} out of my checking acct. every two weeks! I have tried to contact them about this-no answer ... now they all ready charged off my account and I guess it will go to collection? they told me I would have to pay back over {$9000.00} by the end of thils loan ... they need to be investigated as there are a lot of compaints by consumers online about this shady company. please help!
11/23/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77088	Web
I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 432XX	Web
There are a ton of soft inquirys from this company and I mean a lot and I have never ok 'd them to do this. I always get advertisement that are annoying but to see close to 20 different times they've checked my credit report is appalling! Is this legal? I feel so violated honestly. Should I contact an attorney? This can not possibly be legal. I am going to possibly contact an attorney and there's an investigative news crew here that I'm sure would look into this too. I know this can not be legal. I'm livid!
12/05/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Web
I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
07/29/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or misleading advertising or marketing	KS 661XX	Web	Older American
In July 18, we borrowed 3500.00 from Rise Credit. The company was suppose to contact me (XXXX XXXX) with details of loan. They have not obtain the signature and went ahead and deposited the money into my account. After paying between $400-$500 for 12 months. I tried contacting them (7-19) to see when loan was going to be paid off, and they said after paying almost $5000 nothing has been paid toward the balance - due to it being a line of credit. We didnt ask for line of credit we asked for a small loan.
10/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	OH 43230	Web
I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response. In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018. It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter. This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.
06/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	ND 58102	Web
On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.
10/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	MO 636XX	Web
Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60619	Web
I called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureauXXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. XXXX has not updated the account.
03/31/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91202	Web
I am writing to the CFPB once again about Rise. I was promised than once my charged-off account was reversed I would only owe the amount of interest accumulated before the charging off and also the principal. However, once the charge-off was reversed the interest began accumulating once again. This was contrary to what was promised to me. The account information online also does not contain any of the documents made between Rise and I, and the information provided is not accurate regarding amount owed.
04/29/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WI 535XX	Web
I began taking out RISE loans in XXXX XXXX , XXXX for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until XXXX and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for XXXX in XXXX XXXX , XXXX and this one I simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.
10/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 840XX	Web
XXXX is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu will not be able to provide proof with my signature because I have never done business with them. THis is fraudulent & XXXX is the only bureau reporting it with this company. Its erroneous!
06/09/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95678	Web
On multiple occassions, XXXX XXXX XXXX has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
02/06/2017	No	Payday loan	Payment to acct not credited	TX 77536	Web	Older American
I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.
11/13/2015	Yes	Payday loan	Applied for loan/did not receive money	OH 43207	Web
I have gone on line to tried to get a loan from a company called Rise and the last time I tried to appy for a loan from this company the letter stated that fraud is on my record.I immediately called this company and was told that this information could n't be discussed over the telephone.I 'm very concerned about this situation because in 2004 MY previousdriver license information was used fraudulately in this women opening a bank account in my name.This is my email account XXXXXXXXXXXX
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46140	Web
In accordance with the fair credit reporting act XXXX account info : RISE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) has violated my rights! 15 U.S.C 1681 section 602A. States I have the right for privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer report agency cant furnish an account without my written instructions. 15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OH 44039	Web
I had setup a payment plan for 3 final payments, after that my debit card info was compromised, this happened in the 2 week of XXXX, about 2 weeks later I got a new debit card, and I received and email on XX/XX/XXXX about making my payment on the XXXX of {$7.00} ... before I could update the account they charged it off without warning. I even had to reset my password to even login. I will be calling them tomorrow XX/XX/19 and raising absolute XXXX, I will record the phone call.
01/11/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30058	Web	Older American, Servicemember
Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.
01/17/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91784	Web	Older American
This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.
09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75093	Web
Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76522	Web	Servicemember
On XX/XX/2019, I paid my debt with RISE off completely and received notification that this debt was paid in full. I have called and e-mailed this company several times to report accurately to the credit bureau, however, they have failed to respond. I was advised today that they do not report until the following month after the debt has been paid, which will place this over 45 days. I have disputed this with the credit bureau as well and RISE has failed to respond.
05/10/2019	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	IL 60402	Web
The Risecso company opened XXXX. XXXX, 2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
This is my second dispute notice and as I was going over my credit report once again I noticed an account that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : RISE/XXXX # XXXX
02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84341	Web
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX Bank, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60620	Web
I reviewed my credit report on XX/XX/18 and I seen an inquiry from a company called XXXX XXXX XXXX a finance company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and its showing as an inquiry and I never applied for any credit from this company because I am in bankruptcy so how they showing an inquiry from me has me as a lost, please remove this inquiry and all of this other negative information because I have never applied for any credit with them.
01/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77082	Web
I applied online and I was approved for {$800.00}. I have started to pay back the loan on a biweekly basis in the amount of {$140.00} I can not afford this payment. As well by the time I done I will have paid {$1400.00} for a {$800.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39759	Web
I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA. 15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
04/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 35405	Web	Servicemember
Rise credit s based in XXXX XXXX Texas, They did not reveal the apr @ the time of the paper work plus they are charging av rate of 125 % apr and XXXX a day percent on a loan I did not know that at the time of the loan they are charging my account over a 1000.00 a month with nothing going toward the principle of the loan. I am a XXXX XXXX XXXX XXXX vet and have a lot of medical issues. now they want to send me to collections isn't this predatory lending
06/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web
They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.
02/26/2018	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 Problem with personal statement of dispute	OH 43147	Web
I called XXXX on XX/XX/ in regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from XXXX dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33196	Web
I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that Rise Credit insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.
09/15/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 883XX	Web	Servicemember
I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.
05/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	OH 440XX	Web
An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.
03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66605	Web	Servicemember
I wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016
10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 370XX	Web	Older American, Servicemember
Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.
07/10/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 785XX	Web
Due to COVID 19 I am not receiving a paycheck and my account is currently overdrawn. I have explained this to them however they will not offer any assistance and have reported me to the credit bureaus. They continue to try withdrawing different payment amounts. The last one that was returned to them from my bank was {$56.00}. I would like for them to help me since this is a hardship situation and also remove the report to the credit bureaus.
07/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 950XX	Web
getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.
05/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 756XX	Web
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.
04/02/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	DE 199XX	Web
They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.
05/13/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	AL XXXXX	Web	Servicemember
I have been harassed by the company. Mr. XXXX had contacted me and also went on some type of XXXX system and found names and numbers of family members I havent spoke to in years and called them about my debt. He has continued to harass myself and family members. He says I owe over {$4000.00} and I told him thats not true. I paid that loan. He threatened to have the sheriff department to come to my home and arrest me and then sue me.
04/19/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 45373	Web
I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.
10/15/2017	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 Investigation took more than 30 days	TX 77566	Web
I have sent repeated letters to XXXX/Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
06/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 530XX	Web
My personal checking account I had linked to my Rise Credit account for XXXX payments was " Hacked '' into online and Rise Credit failed to/would n't update my new banking information so I could make payments and ultimately " charged '' the account off when I was fully in contact with them and ultimately paid the full balance to include interest. Due to this my credit score dropped over XXXX points and this was 100 % unnecessary
10/20/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 457XX	Web
I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48092	Web
On XX/XX/2021 there was an inquiry that appeared on my XXXX credit report that I did not initiate. The company name on the report was XXXX RISE. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.
03/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29617	Web
XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.
04/15/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	DE 199XX	Web
My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report
02/25/2017	No	Consumer Loan Installment loan	Taking out the loan or lease	CA 92395	Web	Older American, Servicemember
Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX
10/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 446XX	Web
I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30329	Web
A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX XXXX XXXX XXXX and Rise Credit. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
10/09/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 78410	Web
on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
11/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. I have asked for proof of this being my account and have not recieved anything. They have sent one reply asking for my personal information that I have provided in my initial letter. Still have not received proof.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32751	Web
Filed a dispute with XXXX Credit Reporting agency and company is stating that the balance remaining of {$290.00} is correct which it is not correct. Account referred to XXXX XXXX XXXX by RISE Credit of Tennessee, LLC for collections which I have been making payments to and I paid the debt " in full '' on XX/XX/2023. I've attached the " paid-in-full '' letter provided to me from XXXX XXXX XXXX.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92780	Web
Due to the misinformation given by web administrators, the payment options were incorrect. Payment options given were not sufficient to cover payment. Company agreed to withdraw one payment every 14days on loan agreement. Web administrator should have been able to give proper payment arrangements. This account is paid in full, however the company continues to report delinquent accounts status.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65203	Web
I emailed and called Rise Credit XXXX to get them to remove the 30 day delinquency from an already paid off account, they initially saw that they made a mistake and said they would get me their dispute team to their dispute team trying to tell me everything was correct when it was and still is not reporting correctly. I tried to give them a chance to correct their mistake but I wouldnt
04/03/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63021	Web
XXXX XXXX XXXX has called me in attempt to collect a debt for Rise Credit. Rise has not contacted me at all regarding debt. I just started receiving phone calls from XXXX XXXX XXXX on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. XXXX XXXX XXXX are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
01/28/2016	Yes	Payday loan	Applied for loan/did not receive money	CA 91214	Web
I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79936	Web	Servicemember
I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.
09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63379	Web
I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.
03/12/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	WI 549XX	Web
I made a payment to XXXX for my Rise account on XX/XX/XXXX for XXXX. On XX/XX/21 I emailed Rise a copy of my bank statement that shows the payment and my account still has a XXXX balance. I have called them 4 times since then and they always tell me they are going to contact that department and it should be updated in 3 days. On XX/XX/21 I paid off the balance on this account.
10/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84651	Web
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately
01/06/2016	Yes	Payday loan	Charged fees or interest I didn't expect	WI 53216	Web	Servicemember
The company deducts interest from partial principal payments when paying scheduled installment payments. The company does not have a means for consumers to make payments to principal balance only. The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement
09/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 30253	Web
This company RISE is showing up on my credit report. I have never done business with company, never had a loan or any interaction. I have disputed this with the credit reporting agencies and written to the company personally asking them to validate the debt or provide other information. I have received nothing from them. I have called a been left on terminal hold.
05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93035	Web
One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
07/26/2016	Yes	Payday loan	Can't contact lender	XXXXX	Web
Despite my repeated requests for them to desist, RISE Credit persistently email me with offers of loans which I do not want and for which I do not qualify. I am a XXXX XXXX, living in the XXXX and ineligible for a short-term US dollar loan from a company in Texas. Despite pointing this out to them, they persist in filling may inbox with daily offers of loans.
04/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29341	Web
The debt I have with this company rise credit was taken online over 2yrs ago.The amount of XXXX is not the amount owed. These are interest rates that theyve added on to collect more money.They continue to call and send me letters about this debt which theyve also sold my information to debt collection agency. This is violating my Hippa rights as a consumer.
03/08/2017	No	Payday loan	Charged fees or interest I didn't expect	MO 63118	Web
This company loaned XXXX and with all the interest fees it is charging over XXXX. I have defaulted on the loan and it was sold to a collection agency XXXX. I was able to dispute the loan with this company and have it erased from my credit report, now the original lender is trying to come and collect, once they sell the loan they no longer can collect on it.
04/09/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web	Servicemember
RISE CREDIT OF SOUTH CAROLINA {$1500.00} has been attempting to collect a debt that is NOT MINES I have not received supporting documentation proving this debt is mines, and they still keep attempting to report said debt to my credit, causing more damage and they keep attempting tor collection on debt that has extends pass the legal status of limitations
01/23/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NY 10550	Web
onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.
06/23/2015	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29607	Web
Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.
09/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63119	Web
In XXXX of XXXX I mailed out debt validation letters to two separate companies that are showing in my credit report. XXXX and Rise both have a collection account on my credit report and have ignored my communications. Rise has mt address listed in a state I have never lived in and will not delete or show me any proof that this account belongs to me
02/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78681	Web
I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.
09/18/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 75074	Web
I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.
05/06/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44011	Web
Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!
10/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92154	Web
I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.
06/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Public record information inaccurate	OH 441XX	Web
Rise claims that I inquired them. They are payday loans and that is against my religious values. I never inquired as they claimed. Perhaps once when I didn't know what they were but not more than once. They claim I do it all the time. This feels like a way to destroy my credit report so that I have to rely on them, which is very disheartening.
02/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web
XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
05/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93551	Web
XXXX, mailed a letter to XXXX XXXX XXXX to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. XXXX has failed to provide the method of verification within 15 days.
01/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	WI 53224	Web
I am under XXXX XXXX protections. This credit has continued collection efforts and severely damaged my credit. My attorney has sent them numerous communications on this. I also called and correct contact handing never called me back. They are breaking the law and I have asked my attorney to get federal bankruptcy court involved.
03/11/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77042	Web
Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.
04/03/2015	Yes	Payday loan	Charged fees or interest I didn't expect	MO 630XX	Web
I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.
11/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77521	Web	Servicemember
This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95209	Web
XXXX XXXX has yet to contact XXXX as promised by end of XXXX. This is my second formal complaint to have my credit report reflect accurate information. Attached is the letter dated XX/XX/XXXX from XXXX XXXX stating that my credit file would be updated by end of XXXX. As of XX/XX/, this still has not happened.
03/25/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	UT 84015	Web
Received a phone call today from rise never opened a rise account they were calling to collect payment I informed them that it wasnt my account that I would be falling filing a fraud with a police report they would not give me account number or an address that they had listed for me but yet they wanted money for me
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89107	Web
They are insisting that I have owed them a loan and that loan they said has never received or send to me. I have been asking them the receipt or copy of the loan but they never send me anything. All I need to know when they send me the loan and who withdraw that loan money and how much was the amount of the loan.
12/05/2018	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 Was not notified of investigation status or results	TX 76227	Web
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
01/28/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76039	Web
I got a call from this company and I answered. No response. I call again and some talks to me about some loan I took out. I deny. He gives out my address talking about how they sent correspondence. They haven't. They say they will continue to call me. I never took out some loan with themXXXX is their number.
05/06/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44011	Web
XXXX payments every month not XXXX! Impossible to pay off with rise credit. Have made numerous attempts to contact them regarding settlement and have been ignored. Payments were always processed a day before the due date. The loan Sharks should be outlawed. They claim interest rate goes down- not true at all
02/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94043	Web	Servicemember
applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. Thank you.
03/22/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 78704	Web
I believe Rise is a payday loan co and as I am checking my credit report I see Rise on my credit report and I have never applied for a payday loan at Rise. I have been having lots of problems with my ex-spouse which whom I divorced in 2006. I am more than certain he is the one applying without my consent.
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75023	Web
The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken.
08/28/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 291XX	Web
This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
01/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75149	Web
I contacted RISE via chat on XX/XX/XXXX to try to get an item removed from my credit report. The lady I spoke with said they did not have an account for me and they should not be reporting anything on my credit report but when I pulled my credit report today I saw RISE reporting on my credit.
01/03/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MO 630XX	Web
I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.
10/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 378XX	Web
I got a call from a collection about this debt that I still dont know where it came from or how it got pend on me because this was not mine. But this collection agency wanted to settle for {$3000.00} so I paid it 2yrs ago and it is still on my credit. Im really modified to get this off.
05/18/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 757XX	Web
I was notified by rise credit that I had taken out a loan and never paid. I informed them that I had not taken out a loan online and asked for proof. The company never sent proof that I opened this loan online and continue to pursue this debt along with reporting to the credit bureaus
09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77040	Web	Servicemember
I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. Please see the attached documents Thank you, XXXX XXXX
02/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 367XX	Web	Servicemember
Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.
02/07/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 75238	Web
my credit was ran in order to obtain a loan however there was an issue with my documents and they had to be manually inputted and someone would contact me with a decision this lasted a couple of weeks causing my application to expire so in effect my credit was ran for no reason
07/24/2016	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78704	Web
I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.
03/16/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89107	Web
To Whom It May Concern, In XXXX of the spring time I took out a payday Loan online. I made all my payments and was Late once and paid off loan in XX/XX/XXXX for XXXX and XX/XX/XXXX I paid additional XXXX to settle all interest and XXXX XXXX XXXX are owned by same company.
01/22/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH 45066	Web
They have 2 entries on my Credit report for same debt, one from Rise, and the other the collections agency XXXX XXXX they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either Rise, or XXXX not both. Thanks
02/04/2016	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	OH XXXXX	Web
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
08/02/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30338	Web
Rise has contacted me 122 times since XX/XX/2019. It is ridiculous since they get payment from me every two weeks. They harassment has to stop. They need to remove me from the auto dial list immediately. When I reject a number they call back from another trunk number.
10/23/2018	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	AL 368XX	Web	Servicemember
XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.
11/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91784	Web	Older American
I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me
09/16/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	PA 19138	Web
Original Creditor : Rise Credit Of Delaware, XXXX XXXX RISE Acct # : XXXX Current Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX File # : XXXX Balance : {$3500.00} This resulted in Identity Theft Provided Police Report when asked and Affidavit year XXXX and XXXX
06/11/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 39157	Web
Keep calling my phone from different numbers throughout the day and night. ( XXXX ) XXXX XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. It is overwhelming because I am at work most of the day and phone keeps going off for nonbusiness calls. Calls everyday all day.
06/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web
I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are illegally put my information in there.
01/25/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90802	Web
they are charging XXXX a day in interest and this was only mention in small print that a lot of people do n't see. They also do n't make it easy for me to pay, so the interests are adding up without any i can do. this is the biggest scam i never see.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web
My RISE loan account was paid in full on XX/XX/2023. RISE is still reporting a balance on this account to the credit bureaus. I have emailed RISE and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
01/12/2017	Yes	Payday loan	Charged bank acct wrong day or amt	NY 10026	Web
I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.
05/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 650XX	Web	Older American
I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back five m onthly at {$160.00} / month. Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.
03/27/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 90805	Web
I applied for a loan many times with Rise Credit and they never approved me. They tell me that I was declined with no reason and told me to write them a letter asking why I was denied. I believe I have been discriminated because of my race.
11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53222	Web
Company was paid in full in XX/XX/XXXX, however they are currently reporting to the credit bureaus negatively. I tried to dispute with credit bureaus XX/XX/XXXX in writing and contacted Rise in XX/XX/XXXX to remove inquiry with no success.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20748	Web
I've been trying repeatedly to get this incorrect info off of my credit report. Please investigate the date of last activity. Please only respond to me through CFPB portal. Communication by any other means will be considered harassment.
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
10/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 297XX	Web
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
12/17/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94585	Web
When clicking on the Loan Cost and Terms, link over the course of a week keep getting a " We apologize for the inconvenience but we have encountered a system error. '' When Requested a quote was not given the information requested
04/22/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 54911	Web
Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.
11/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92395	Web	Servicemember
I have made all payments within the alloted time period. The company made an error processing a payment and has reported me late on my credit. When i have reached out to fix this issue, CS has been very rude and unhelpful
10/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 95376	Web	Servicemember
I never received any loan from this company I sent over afadavivt they claim.it went to account ending in XXXX I never received any account number like this in my life they are not being to helpful in resolve this matter.
10/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77083	Web
The lender processed unauthorized withdraws when loan was satisfied.They said they were crediting back. Then said they are sending a check. I believe they also pulled another credit inquiry when they said I was " late ''
01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35242	Web
RISE on XX/XX/XXXX reported an account and address that is not mine. I was told to complete an identity theft report to RISE and they would delete this fraudulent information from my XXXX credit file but they havent.
05/03/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37931	Web
Every single day XXXX XXXX calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75051	Web
Rise is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.
06/05/2016	Yes	Payday loan	Can't contact lender	WI 548XX	Web	Older American
missed second payment sent email and called trying to work deal they do n't call email or respond back ca n't make payment because I ca n't log on to account it wo n't work they keep changing terms on site
10/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NV 89122	Web
RISE charged off my account, but an agreement was reached between RISE CREDIT and I, that if I paid a certain amount they would reverse it. I paid that amount but they did not fix it on my credit report.
10/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web
This company is practicing a Predatory Landing in order to get their customer a loan. All my attempts to resolve my issue and asking them not to report my late payments to credit agencies were not heard.
07/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90222	Web
My loan does n't seem to drop, I always owe the same amount or more sometimes I really cant afford any longer but I do n't know what to do I figured I 'm almost paying XXXX dollars extra for a XXXX loan
07/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 75149	Web
Hello, this company has been on my credit report since 2015 and I have yet to receive any forms or letters regarding this account. I would the opportunity for reapplication and or this account removed.
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95628	Web
XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit
04/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 290XX	Web
The debt is with rise credit which I paid and when I try to dispute it with equifax they send me a notice stating that information has already changed. It hasn't its closed and killing my credit score
12/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75287	Web
Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.
04/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93004	Web
When I took out the loan I did not understand the terms that I would be paying almost 600 monthly and that the payments were biweekly if this were made clear I would have never taken out this loan.
06/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX XXXXX	Web
I tried logging into the account to updated the information and to see what the balance was to see if it is matching up to what is being reported on my credit report. But I received this message.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75088	Web
Rise lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.
07/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL XXXXX	Web
I have a loan with rise credit which was approved on XX/XX/23. I had a XXXX XXXX on XX/XX/2023. The doctor says that I can't be worried about anything or I wouldn't be able to live much longer/
03/22/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78209	Web
I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.
09/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95610	Web
I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks
04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94803	Web
Installment RISE LOAN ( Account number ) XXXX ( Amount XXXX {$3600.00} COmpany Rise credit or Rise Loan LOAN defaulted XXXX possibly XXXX XX/XX/XXXX and STILL remains on my credit report
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44105	Web
XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account
07/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77015	Web
XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit
01/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37066	Web	Servicemember
I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30082	Web
XXXX XXXX is showing as a negative on my XXXX Account and it has been paid in full. The Loan is number XXXX. I would like to have this removed from my credit report. thanks, XXXX XXXX
06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30016	Web
Account was deleted in 2017. Now its appearing on my XXXXXXXX XXXX XXXX The account shows {$5000.00}. It shows Im late on payments when the account has been closed for almost 5 years.
10/27/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	WI 53212	Web
Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.
08/28/2016	No	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	SC 291XX	Web
This debt agency keep calling my telephone number 24/7 day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.
08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 354XX	Web
I have a company that has called me multiple times a day within hours of calls they are calling again. I have had days where this company has called me as many as XXXX times.
10/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53209	Web
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 77450	Web
I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed
08/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web	Servicemember
I have contacted them so many times in order to help me with lower interest rate and payment plan. They keep refusing. I do not know what to do? XXXX XXXX? I can not pay it.
02/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79763	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
05/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29730	Web	Servicemember
this Collection company is reporting this account on my credit report. I have asked this company to validate this account. I have never done business with this company.
07/21/2015	Yes	Payday loan	Received a loan I didn't apply for	OH 440XX	Web
I have multiple loan services sending me emails and and phone calls that I never received money for. They also have my social security number, that I never gave them.
09/13/2016	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75287	Web
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt
02/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
My wallet was stolen. My license, checks and debit card was in there. I have tried several times disputing the item on my report but they refused to remove this,
03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CA 91767	Web
Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
07/29/2021	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 Investigation took more than 30 days	IL 60426	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
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	CA 94583	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing my collectoin after agreeing to remove it after payment... it keeps reappearing has been settled...
07/17/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	CA 90301	Web
As of XX/XX/2018 Rise Credit has already waived the loan, however my credit report shows Rise Credit 30days past due which brought my score down 30 points.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64050	Web
XX/XX/XXXX XXXX was opened XX/XX/XXXX was last reported balance over XXXX $ Called company RiSE Credit today XX/XX/XXXX they said to file report with ftc.
08/14/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX 75211	Web
On XXXX XXXX 2016 Rise Credit kept calling my number 6 times in one day after I have ask them to not to contact me by phone and they never left a message.
08/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75219	Web
I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.
06/08/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	ID 83202	Web
I paid this payday loan off awhile ago... it still states I am behind and owe the full amount. I've filed complaints but it's still on my credit report
07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92373	Web	Servicemember
Rise Credit obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
03/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 452XX	Web
I applied for an installment loan through Rise credit when I was in a desperate financial situation and I am unable to pay back the loan in full.
10/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 291XX	Web
I have a hard inquiry dated XX/XX/2018 from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I never applied for credit with this company
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX 78211	Web
My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there
04/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29611	Web
I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old
09/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	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.
11/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29016	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.
09/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	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.
09/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19464	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.
05/15/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 303XX	Web
Creditor has been unable to provide proof of application proving account belongs to me. Account has appears twice on 2 credit bureaus.
07/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	UT 84104	Web
Had my credit pulled and saw a Rise credit loan on my credit report. Did not apply for the loan or receive funds for the loan.
06/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91505	Web
On XX/XX/2018 RISE credit did an unauthorized hard inquiry on my XXXX report. I have never applied for credit from RISE.
12/09/2016	Yes	Payday loan	Can't stop charges to bank account	TX 75035	Web
I am currently put of work and need the lender to stop drafting my checking account from my XXXX XXXX account in texas
01/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL XXXXX	Web
Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.
10/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 79912	Web	Older American
Rise XXXX XXXX Amount - XXXX This is not mine someone use my credit to get cash out so it must be off my credit.
06/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77024	Web	Older American
SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE NOT MINE
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 493XX	Web
RISE is reporting unlawfully to the credit bureaus for an account associated with a charge off.
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29229	Web
This account was purchased by another lender now its reporting twice on my two of my reports
07/15/2017	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	LA XXXXX	Web
Sent dispute to company and never received a response back. Letter was sent certified.
02/09/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
RISE has reported this account on my credit report in the amount of owing {$700.00}.
03/14/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	SC 29607	Web
My loan balance was paid in full and should be reported to all 3 credit bureau 's.
10/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29150	Web	Servicemember
They call way too often, even after we advise them when we are going to pay them.
04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90045	Web
Please CFPB can you send the following documents to Rise Credit. Thank you!
10/21/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	WI 53704	Web	Servicemember
The debt not mine even so contacted them I think they are using wrong dates
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 641XX	Web
RISE Fraudulent activity on my credit report {$1500.00} Reported balance
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77075	Web
XXXX XXXX is reporting an inaccurate late on my credit report.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78214	Web
Never heard of this company of requested any amount
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 293XX	Web
Refused to remove believe it 's an inquiry issue
03/15/2016	No	Consumer Loan Installment loan	Managing the loan or lease	NM 880XX	Web
Payment is processed the day before due date.
04/15/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 91001	Web
Repeated calls at all times of the day
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93422	Web
Dont reganized inquiries
11/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KS 674XX	Web
More interest than told
01/05/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 93722	Web
INQUIRY WAS NOT REMOVED
01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39402	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94605	Web

11/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	SC 29803	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63830	Web

09/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	GA 30017	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	MI 49319	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95210	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63303	Web

05/10/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85127	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92311	Web	Servicemember

02/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35062	Web

02/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30329	Web

01/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30180	Web	Servicemember

12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21620	Web

11/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30519	Web	Older American

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53208	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29803	Web

11/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	DE 19702	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53208	Web

10/16/2022	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	MS 39170	Web

10/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 54660	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39170	Web

06/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76017	Web

05/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	WI 53150	Phone

02/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WI 54449	Referral

01/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90503	Web

01/17/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92264	Web

11/29/2021	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	MS 39503	Web

11/08/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

10/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29138	Web

10/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web

10/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web

09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43201	Web

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38637	Web

08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30106	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19709	Web

07/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75087	Web

07/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97034	Web	Older American

06/22/2021	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	TX 75071	Web

06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web

05/29/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	ND 58102	Web

05/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31146	Web

04/19/2021	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	TX 75070	Web

04/01/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 75070	Web

03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63302	Web

03/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37073	Web	Servicemember

02/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web

02/18/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	AL 35022	Web	Servicemember

02/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60422	Web

01/26/2021	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 Their investigation did not fix an error on your report	GA 30106	Web

01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77070	Web

01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA 70458	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30236	Web

11/04/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80919	Web

10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76054	Web

10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80919	Web

10/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33165	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web

09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87144	Phone

09/21/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 61068	Web

09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web

08/31/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53220	Web

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90744	Web

08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52803	Web	Servicemember

08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web

07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32827	Web

07/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77708	Web

07/06/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 30034	Web

05/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MN 55101	Web

05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92551	Phone	Servicemember

04/09/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 67111	Web

03/27/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	MA 02368	Web

03/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90007	Web

03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29730	Web

03/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92530	Web	Servicemember

02/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

11/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63628	Web

10/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53143	Web

10/16/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	WI 53022	Web	Servicemember

10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90035	Web

10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53403	Web

10/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77388	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AL 35406	Web

09/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 88005	Web

08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90035	Web

08/14/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	ID 83686	Web

08/01/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29732	Web

07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20020	Postal mail

07/17/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 29621	Web

07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone	Servicemember

07/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 63366	Web

06/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95842	Web

06/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45505	Postal mail

06/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64134	Web

06/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29223	Web	Older American, Servicemember

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83646	Web

05/31/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	KS 66212	Web

05/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours		Web

05/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93591	Web

05/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44060	Web

05/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90755	Referral

05/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 90027	Web

05/01/2019	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 Investigation took more than 30 days	CA 92354	Web

04/24/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	KY 40422	Web

04/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91208	Web

04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44147	Web

04/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78640	Web

04/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 90027	Web

04/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MO 63601	Phone

04/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39540	Web

04/08/2019	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 30016	Web

04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35022	Web	Servicemember

04/04/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44321	Web	Servicemember

03/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

03/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60411	Web

03/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95628	Web	Servicemember

03/07/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94509	Web

02/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	SC 29486	Web

02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75248	Web

02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

01/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92660	Web

01/15/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45255	Web

01/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93535	Web

01/06/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web

01/02/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KS 67207	Postal mail

12/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	OH 45255	Web

12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35215	Phone

12/05/2018	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 Was not notified of investigation status or results	IL 60409	Web

12/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	DE 19720	Web

11/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43230	Web

11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30252	Web

11/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29591	Web	Older American

10/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 70075	Referral

10/02/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37885	Web

10/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44053	Web

10/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37919	Web	Older American

09/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45150	Web

09/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 43517	Referral

08/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	SC 29418	Web

08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 88311	Postal mail

07/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30132	Web

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75054	Web

07/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web	Servicemember

06/26/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 941XX	Web

06/21/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44053	Web

06/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60173	Web

06/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

06/05/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94509	Web

06/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90650	Web

05/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53714	Web

05/09/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75104	Web

04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23831	Web

04/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91214	Fax

04/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10567	Postal mail

03/15/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 43945	Fax	Servicemember

03/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93535	Web

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 54902	Phone

03/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43607	Phone

03/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29223	Web	Servicemember

02/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	WI 53214	Web	Older American

02/01/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	ME 04240	Web

02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60112	Web

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	CA 95206	Web

01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92337	Web

01/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92019	Web

01/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 45644	Web	Servicemember

12/06/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	MA 02368	Web

11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29403	Web

10/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53206	Web

10/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 446XX	Web	Older American

09/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95376	Web

09/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91790	Web	Servicemember

08/28/2017	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	OH 45231	Web

08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60950	Web

08/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45231	Web

08/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30439	Web	Servicemember

08/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76126	Web

08/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 88201	Web

08/09/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29420	Web

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90302	Web

08/07/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NC 28213	Web

08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

08/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MD 21001	Web

07/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30328	Web

07/10/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30336	Phone

06/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KS 66048	Web	Servicemember

06/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 63118	Web

05/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60073	Web

04/19/2017	Yes	Payday loan	Received a loan I didn't apply for	OH 43211	Web

04/16/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	GA 30043	Web	Servicemember

04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

04/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	WI 53545	Web

04/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60656	Referral

03/30/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	SC 29640	Phone

03/17/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78251	Web

03/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90815	Web	Older American

03/02/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90046	Web

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

02/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90301	Web

02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 64029	Web

01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91701	Postal mail	Older American

01/26/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90004	Referral

01/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 45122	Web

01/06/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 36545	Web

12/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75087	Web

12/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91784	Web	Older American

12/03/2016	Yes	Payday loan	Payment to acct not credited	TX 76120	Web

11/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90302	Phone	Older American

10/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30143	Referral

10/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44011	Web

10/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	OH 44011	Web

10/06/2016	Yes	Payday loan	Payment to acct not credited	OH 44120	Web

10/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95125	Referral

09/20/2016	Yes	Payday loan	Payment to acct not credited	UT 84062	Web	Servicemember

09/03/2016	No	Bank account or service Other bank product/service	Account opening, closing, or management	SC 29928	Web	Older American

08/29/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	SC 29020	Web	Servicemember

08/26/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 92656	Web	Older American, Servicemember

08/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95765	Web	Servicemember

08/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

08/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53185	Referral

08/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75211	Phone

06/24/2016	Yes	Payday loan	Charged bank acct wrong day or amt	OH 45065	Phone	Older American, Servicemember

06/03/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	LA 70301	Web

06/01/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92399	Web

05/19/2016	No	Consumer Loan Installment loan	Managing the loan or lease	TX 77042	Phone

05/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29611	Web

05/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91331	Web	Servicemember

04/27/2016	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29708	Web

03/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29420	Web

03/02/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CA 95829	Postal mail

02/07/2016	No	Payday loan	Can't contact lender	OH 44286	Web

01/24/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90301	Web	Older American

01/11/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	GA 30004	Web

01/06/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	SC 29574	Phone

01/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	DE 19962	Web

12/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44312	Web

12/09/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 63021	Web

12/09/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92078	Fax	Older American

12/03/2015	Yes	Payday loan	Can't stop charges to bank account	OH 45342	Web	Servicemember

11/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94118	Postal mail

11/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 31329	Web	Servicemember

11/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 45429	Web

11/17/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OH 44137	Web

11/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35226	Web

11/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91910	Phone	Servicemember

11/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91945	Phone	Servicemember

11/09/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77049	Phone

11/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 36866	Web	Older American

11/05/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 95442	Phone	Older American, Servicemember

10/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53207	Web

10/23/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91945	Web	Servicemember

10/19/2015	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 90249	Web

10/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19958	Postal mail

10/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63043	Web

10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91007	Web

09/19/2015	Yes	Payday loan	Can't stop charges to bank account	CA 95118	Web

09/16/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 44128	Phone	Older American

09/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70817	Referral

09/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75041	Web

08/14/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 91942	Web

08/10/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 94533	Phone

08/07/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95966	Phone	Servicemember

08/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54313	Web

08/02/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 95945	Web

07/13/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 77380	Web

07/10/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 78229	Postal mail

07/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95472	Web

07/09/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

07/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93449	Phone	Older American

06/29/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91910	Phone	Servicemember

06/26/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77379	Postal mail

06/25/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	CA 91730	Referral

06/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

06/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29420	Web

05/21/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 95945	Web

05/14/2015	Yes	Payday loan	Charged fees or interest I didn't expect	AL 36693	Web	Servicemember

05/07/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OH 43614	Web

05/06/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90046	Web

05/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71129	Postal mail

04/22/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 958XX	Web

04/22/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 958XX	Web

04/21/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 958XX	Web

03/23/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 94590	Web

03/12/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	AL 35630	Web	Older American

03/12/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	XXXXX	Web

03/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71430	Web	Servicemember

02/26/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	OH 45406	Web

02/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OH 43615	Web

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	DE 19901	Referral

02/11/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35244	Web

02/07/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 95677	Web

01/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 43560	Web	Older American

01/23/2015	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29927	Web

01/07/2015	No	Consumer Loan Installment loan	Taking out the loan or lease	CA 90230	Web

01/07/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 36116	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 94066	Phone

01/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36301	Web

01/02/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 54902	Web

12/31/2014	Yes	Payday loan	Can't contact lender	CA 95945	Web

12/30/2014	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	MS 64131	Web

12/30/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MS 64133	Web

12/28/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web

12/23/2014	Yes	Credit reporting	Incorrect information on credit report Account status	OH 45240	Web

12/22/2014	Yes	Payday loan	Received a loan I didn't apply for	HI 96727	Web

12/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90025	Web

12/18/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76182	Web

12/18/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OH 43209	Postal mail

12/17/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	SC 29485	Web

12/14/2014	Yes	Payday loan	Can't stop charges to bank account	CA 94401	Web

12/10/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 71301	Web

12/05/2014	No	Debt collection Payday loan	False statements or representation Indicated shouldn't respond to lawsuit	LA 71106	Phone

11/29/2014	Yes	Payday loan	Received a loan I didn't apply for	AL 35010	Web

11/25/2014	Yes	Credit reporting	Improper use of my credit report Received marketing offer after opted out	CA 94404	Web

11/19/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 93423	Web	Servicemember

11/13/2014	Yes	Payday loan	Can't stop charges to bank account	CA 92154	Phone

11/12/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30683	Web

11/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 44141	Web

10/24/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 95403	Web

10/20/2014	Yes	Credit card	Advertising and marketing	CA 95315	Web	Servicemember

10/17/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	HI 96727	Web	Older American

10/16/2014	Yes	Payday loan	Charged fees or interest I didn't expect	ME 04101	Web

10/03/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 90249	Web

10/02/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 93309	Phone	Older American, Servicemember

09/29/2014	Yes	Payday loan	Received a loan I didn't apply for	SC 29479	Web

09/25/2014	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29229	Web	Servicemember

09/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93245	Web	Servicemember

09/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92301	Referral

09/09/2014	Yes	Payday loan	Charged fees or interest I didn't expect	WI 53040	Web

08/31/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OH 43146	Web	Servicemember

08/29/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90025	Web

08/27/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 77088	Web

08/26/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 87111	Web	Older American

08/21/2014	Yes	Payday loan	Charged fees or interest I didn't expect	VA 22554	Web	Servicemember

08/20/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29673	Web	Servicemember

08/18/2014	No	Payday loan	Received a loan I didn't apply for	OH 44123	Web

08/17/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95670	Web

08/05/2014	No	Payday loan	Charged fees or interest I didn't expect	KY 42053	Web

08/04/2014	Yes	Payday loan	Charged bank acct wrong day or amt	CA 94804	Web

08/01/2014	No	Payday loan	Charged fees or interest I didn't expect	GA 30043	Web	Servicemember

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95132	Postal mail

07/22/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	WI 53813	Web

07/22/2014	Yes	Payday loan	Received a loan I didn't apply for	GA 30067	Web

07/16/2014	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	CA 95482	Web

06/18/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 94559	Phone

05/21/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71111	Phone

05/17/2014	Yes	Payday loan	Payment to acct not credited	OH 44123	Web

05/12/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90731	Phone

05/05/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 93555	Web

04/30/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 65775	Web

04/21/2014	Yes	Payday loan	Charged fees or interest I didn't expect	CA 94578	Web

04/11/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 77076	Web

04/09/2014	Yes	Payday loan	Can't contact lender	MO 63138	Phone	Older American

03/25/2014	Yes	Payday loan	Applied for loan/did not receive money		Phone

03/20/2014	Yes	Credit card	Advertising and marketing	CA 91770	Web

03/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 88240	Web	Older American

03/15/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NM 87120	Referral

03/13/2014	Yes	Credit card	APR or interest rate	CA 95628	Web

03/12/2014	Yes	Payday loan	Received a loan I didn't apply for	TX 79720	Web

03/11/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 94547	Phone

02/06/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	CA 91941	Web

01/31/2014	Yes	Payday loan	Applied for loan/did not receive money	CA 94107	Web

01/29/2014	Yes	Payday loan	Received a loan I didn't apply for	TX 75483	Web

01/21/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90706	Referral

01/16/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 87111	Web	Older American

01/13/2014	No	Payday loan	Can't stop charges to bank account	WI 54603	Web

12/11/2013	Yes	Payday loan	Received a loan I didn't apply for	CA 94123	Web