|
11430260
|
2025-01-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11224812
|
2024-12-20
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
11221414
|
2024-12-19
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-20
|
|
|
11185157
|
2024-12-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
|
|
7673137
|
2023-10-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-10
|
| Complaint What Happened |
XXXX, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an XXXX report, If XXXX, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8245727
|
2024-01-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
I do not know
|
| Date Received |
2024-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-29
|
| Complaint What Happened |
Viva Finance INC . According to my credit report, Viva Finance INC has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).
As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from Viva Finance INC, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.
Moreover, I believe that the lack of documentation from Viva Finance INC may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.
In light of the above, I kindly request that you investigate the matter and ensure that Viva Finance INC provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations.
Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9093215
|
2024-05-24
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-05-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-24
|
| Complaint What Happened |
I missed payments on my loan last year and the account was " charged off ''. I entered a settlement agreement with Viva Finance and have been making on time, monthly payments since entering the agreement last year. Today, I received notification that Viva has reported my account as delinquent. I have attached a screen shot that proves I have made on time payments since starting the settlement agreement last year. Also, it is illegal for Viva to report my account as delinquent again since it is already reported as a " charge off ''. I have had multiple issues with thus creditor!
|
| Consumer Consent Provided |
Consent provided
|
|
|
8756487
|
2024-04-12
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-04-12
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-27
|
| Consumer Consent Provided |
N/A
|
|
|
11884929
|
2025-02-02
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-02
|
|
|
12786685
|
2025-04-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Viva Finance Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-04-03
|
|
