Self Lender Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30038	Web
Dear SELF INC, Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
04/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	IL 62234	Web
The company advertised that they would help build my credit quickly by loaning money to myself. I was suppose to make a payment every month and at the end i would get money back. I never borrowed money from them it was suppose to be a savings plan and they said they would report only good credit. My credit report went done XXXX points immediately first month after they reported me late because I enter the wrong bank information for direct payment. I never seen anything that said they would report you bad and their false & misleading advertisements doesn't say we will report you for bad credit not just good credit. It's very misleading and completely unfair! I was loaning money to myself, I never borrowed a XXXX from this company and I don't feel they should be able to this to people. For a year I had already been disputing false information off my credit report because it was destroyed by fraud. All the work i had done and everything i had accomplished fixing my credit report this company destroyed in XXXX minutes. I asked to close account, they didn't and reported me late again because I quit making the payments. They actual tried to tell me they raised my score. No I don't think so! It went up from fraud account dispute being removed. On my report they are now the only late payments I have on my credit and it's most recent and looks bad. This has caused me major financial hardship! It is just not right that a company you don't owe money to and was suppose to help you build credit would just destroy someone like that. I've disputed and pleaded with them several times and they refuse to fix the false unfair report on my credit. I can't even get a business loan, credit card, car or anything and it's gon na be on my report for XXXX years ... .. Sad!!
05/14/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WY 82007	Web
I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX. Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.
02/12/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX. Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment. I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''
01/19/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38654	Web
Upon reviewing information regarding my Self Lender loan I noticed that I had a pending transaction that I did not authorize on Friday, XXXX XXXX, XXXX in the amount of {$50.00}. On Tuesday, XXXX XXXX, XXXX I did authorize a payment in the amount of {$48.00}. So I called my bank to determine if they had a transaction pending from Self Lender in the amount of {$50.00} and they could not find the pending transaction that was listed on my Self Lender account. I also learned that my account was overdrafted because of a withdraw from Self Lender. So I then called Self Lender 's XXXX number to have the transaction stopped because I did not authorize the payment on XXXX XXXX and did not want to pay any additional fees. I was put on hold for over 10 minutes twice and the phone call was never answered. I contacted someone on chat on the website and received an answer. While speaking the XXXX ( I believe ) I was informed that a transaction could be pending for two to four business days before it is withdrawn from your account, that it could take up to seven day for it to update on the website and that the transaction could not be canceled before the representative rudely disconnected the chat message with me. When I attempted to use the chat again it says that it was unavailable and the office was closed. This is the second time in a row that Self Lender has held a payment until my account balance is low and attempted to withdraw funds. I believe it is in an effort to collect late fees and insufficient funds fees.
06/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30035	Web	Servicemember
The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.
05/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 195XX	Web
On XX/XX/2020 I contacted XXXX XXXX XXXX and explained to them that I lost my job on XX/XX/2020 due to Covid-19 and wanted to see how could they help me with this issue because I been trying to fix my credit for 2 years and thats the reason I joined them. I missed the payment for 1 day but it wasnt because I didnt want to make the payment I lost my job and I was afraid with the little money and I had and had to wait almost 4 weeks to receive my first unemployment check. So the representative I spoke too said they were not going to report me and that they were going to help me.I told them as soon as I get my first unemployment check I would make the full payment immediately and did the payment on XX/XX/2020. I kept my word But they still reported me late to the credit bureaus when they said they werent going to do that. Im really disappointed because all the companies I have credit cards have worked with me but this company that offers you to help you with your credit builder account, I thought they would understand my situation but I guess they dont. I called them on XX/XX/2020 and explained the situation that they said they werent going to report me but said they couldnt do anything about and had to report it to the credit bureaus. Im very disappointed about this. I also reported this to XX/XX/XXXXbecause this is wrong on so many levels
02/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	CA 92122	Web	Servicemember
I was prompted by this company to open a loan to increase my credit score. {$50.00} a month payment for 12 months. After about 6 months of making payments they offered me a secured Visa card on line using my deposited funds and charging me {$25.00} which was never disclosed. The card was opened in XXXX of XXXX. The account was only online. I never received monthly billing. In XXXX of XXXX I received one 30 day late from this company. I went back and reviewed all the online activity and noticed that I had consequently made monthly payments in XXXX, XXXX and XXXX. When I called the company to go over this they said since you were one day late on the payment in XXXX and XXXX ( possibly due to the time zone me being in PST ). That the 30 day rule according to there card stands. I tried explaining to the agent that technically for me to get a 30 day on the account the payment would need to be missed 31 days from the due date. They chuckled and said no that's not how this card works. I tried several times to get action from this company and ended up paying off the account and never received my deposit back for the secured card of the credit builder account. They assured me I would be receiving funds of {$550.00} but have not yet. I request the 30 day late be removed from my account and my deposit be refunded immediately. Sjncerely, XXXX XXXX
02/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79763	Web
I have a secured card with XXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now. As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX XXXX XXXX accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
04/11/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60617	Web
This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction
02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 776XX	Web	Servicemember
I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.
05/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MD 206XX	Web
XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed. Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX in one day. My XXXX score dropped from XXXX to XXXX in one day. I am contacting the CFPB and filing a complaint. I sent Self Lender an email this morning and have not heard from Self Lender yet. I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it. Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers. Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX XXXX
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94124	Web
Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately. Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays. I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX but not from XXXX XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.
12/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 272XX	Web
I have an account with a company called self lender. This is used to build credit history. The way it works it I pay them a monthly amount of {$25.00} and at the end of 24 months my Money is returned to me. During this period they report those payment to the credit bureaus. near the end of XXXX I was hospitalized due to sickness and thought my payments were on auto pay. It recently came to my attention that there is a 30 day late payment reporting to the bureaus. All of my past months are paid up and this was a one time occurrence. Being that I was hospitalized I was not aware they didnt auto deduct the payment from my account along with the fact that I wasnt able to contact anyone to resolve this issue. My account is in good standing but the presence of this late payment on my credit is bringing financial hard bearings due to the fact that it has tremendously impacted my score. This company is supposed to help peoples credit but now it is doing the opposite for and I dont feel as if its right! I pride Myself on my good payment history in managing my finances and this situation is really affecting me!
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15237	Web	Servicemember
I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!
10/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29715	Web
Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.
03/19/2019	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	NY 11207	Web
I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89149	Web
I opened an account with selflender.com for the purposes of building my personal credit score. I was informed they were a great company in terms of helping consumers build good credit using their own money. When I open my account in XXXX I was not informed that I could not mail my check in for payment on my account. Instead I received an e-mail stating my check was being returned to me because XXXX XXXX XXXX self lenders banking partner were not able to accept a paper check as a form of payment. I contacted self lender and informed them that check payment method was the only way I could pay due to my debit card being replaced. Self lender rep stated that would be fine and just make the payment when I could. Later when I looked at my credit report I noticed I had a 30 day late for the month of XXXX although my payment is current.
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46218	Web
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77056	Web
I had an account with SelfLender back in XXXX. According to MyFico score reports, XXXX & XXXX showed a 30 day late status for XX/XX/2017, while XXXX showed a 30 day late status for XXXX. See attached. I disputed the account history in order to have the report corrected, and at that time, XXXX XXXX XXXX appears to have added another 30-day late status to each of my reports. I only paid this account late one time. In fact, every single other payment aside from that one were made early. If that's not the case, I'd like XXXX XXXX XXXX to furnish documentation to prove otherwise. Clearly this is not accurate, and I'm quite sure they're retaliating against me for the less than favorable reviews I left them on XXXX, XXXX, and XXXX.
08/16/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 631XX	Web	Servicemember
Since XX/XX/2019 Selflender has been continually reporting to XXXX that my closed account is open an negligent. I have spoken with representatives several times since XXXX including XX/XX/XXXXXX/XX/XXXX,XX/XX/19,XX/XX/19,XX/XX/19. They have refused to contact XXXX to fix their reporting issues. Yet, I as the consumer has to suffer and have my credit score dropped monthly for incorrect reporting on their end. I have spoke to XXXX on XX/XX/XXXX for an hour and they too have informed me of exact details of Selflender incorrectly reporting to XXXX. Selflender is continuing to not return calls or tell me someone will call me in a day and I never receive a call. I'm stressed and have suffered tremendously from this one situation.
04/24/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77479	Web
On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.
03/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32818	Web
Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify. I am humbly asking for you to remove this account. I would greatly appreciate it!
05/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WV 25404	Web	Servicemember
I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it
04/14/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL 32177	Web
i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. Best,
05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 392XX	Web
A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
04/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	PA 190XX	Web
On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take. It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.
03/21/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77380	Web	Servicemember
I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.
10/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32210	Web
Self lender falsely reported 30 day plus delinquency late payment on my credit report for my XX/XX/2019 payment after I set up auto pay in XX/XX/XXXX for the payment to be auto devoted on XX/XX/XXXX and I have the screenshot, however I logged on the account today and saw that autopsy was not reflecting. I immediate re enabled and contacted self via chat and got no help. If the late fee and my credit report is not corrected to remove the erroneous 30 day late payment, Ill be contacting the CFPB. I ask for it to be escalated and was told they have no corporate office and it could not be escalated
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75134	Web
I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
09/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62221	Web
My name is XXXX XXXX. I had a self lender account through XXXX XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you
11/07/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unexpected or other fees	CA 926XX	Web
This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay
04/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 19140	Web
I signed up for self lender today and thought i understood that each account only 12 months. However I read the confirmation email and it said 24 months. I called self lender and tried to explain that i misunderstood their website and wanted to subscribe to the 12 month plan, even though its higher monthly amount. I spoke with a XXXX, who unprofessionally shortened her name to XXXX when i asked to speak to a manager. XXXX told me that it was pretty much my fault and they don't refund the {$9.00} service fee.
11/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89113	Web	Servicemember
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
01/08/2019	No	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	IL 604XX	Web
I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	FL 33612	Web
XXXX XXXX keeps on report to the credit bureau negative information about me. I did contact them twice, they're referring me to another company name : self lender. In wich they have provided me with a phone number XXXX However, when ever I try to reach them, they never picked up the call. I need your help. I don't have much credit, now it getting worse, because of those people who did offer me a service, then you can't declined it
01/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19120	Web
This is a formal complaint about a 30 to 59 -day late payment appearing on my credit report. I am aware that being 30 to 59 days late is significantly worse than being 60 days late, and I was careful not to let that happen. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score. For the month of XXXX I Have Paid As Agreed In Full.
09/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FM XXXXX	Web	Servicemember
I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX report.
01/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48603	Web
Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.
05/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WV 252XX	Web
Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed. This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.
04/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NH 038XX	Web
I used SELF to build my credit and before it was due or posted on my credit report I had to cancel due to hardship of the Covid-19 virus and was told it wouldn't effect my score and within a matter of days the it did and my score went down. I am so upset by this and can not reach them anymore or they just don't respond.
10/05/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 11365	Web
they have charged me fees without me knowing such as late fees and returned check fees they are rude to me their customer service when speaking with them and asking them if as a courtesy they could waive it they say no immediately not fair they treat me horrible and i always make my payments on time
06/17/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33060	Web
I work with two companies why is my credit score only going up XXXX point, I am a client of Self Lender and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
04/12/2017	No	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33025	Web
I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments. XXXX and XXXX is still not posted. XXXX payment just posted a few weeks ago.
01/08/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	IL 60126	Web
www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.
02/08/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07103	Web
self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
03/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45224	Web
My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points
03/16/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 33511	Web
I do not recall having this account and I do not recall ever paying late on a account that Im not sure that I myself opened
05/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MN 55412	Web	Servicemember
A account was open by someone else and its reporting to my credit report and I want the account removed from credit report
02/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93309	Web
I closed the account but it says on my credit report I was late on a payment when I was not
04/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	OH 44102	Web
this company after i decline service put XXXX XXXX dollars on my credit report, please help
04/14/2020	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	AL 36786	Web

04/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08105	Web

03/09/2020	Yes	Checking or savings account	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35211	Web

02/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07202	Web

01/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94542	Web	Servicemember

01/24/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	RI 02908	Web

10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33013	Web

10/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NJ 07103	Web

09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23239	Web

08/29/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NY 10128	Web

06/21/2019	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	GA 30458	Web

03/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	PA 15942	Web

02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web

02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web

01/16/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 16125	Web

01/09/2019	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	MI 48603	Web

12/19/2018	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 60433	Web

11/06/2018	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	GA 30214	Web

09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32256	Web	Servicemember

06/03/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	PA 17401	Web

05/19/2017	No	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	AP 96338	Web	Servicemember

03/26/2017	No	Consumer Loan Installment loan	Managing the loan or lease	SC 29605	Web