|
11801766
|
2025-01-27
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11800974
|
2025-01-27
|
Problem with a company's investigation into an existing problem
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
7119801
|
2023-06-15
|
Received a loan you didn't apply for
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Received a loan you didn't apply for
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2023-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4858461
|
2021-10-30
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2021-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal
|
| Consumer Consent Provided |
Consent provided
|
|
|
10759320
|
2024-11-11
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Payday loan
|
| Date Received |
2024-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8111945
|
2024-01-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
|
| Consumer Consent Provided |
Consent provided
|
|
|
7886586
|
2023-11-21
|
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 |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8167074
|
2024-01-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information is incorrect
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2024-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Credit ninja is reporting seven inquiries on my check systems report and those should not be on there. I do not have an account or did I open an account with you guys? These inquiries are preventing me from opening up a checking account and this is having a negative impact on my life I want these removed immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8988595
|
2024-05-12
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
No
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Credit card
|
| Sub Issue |
Problem with balance transfer
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-05-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-12
|
| Complaint What Happened |
1026.1 B ( b ) Purpose. The purpose of this part is to promote the informed use of consumer credit by requiring disclosures about its terms and cost, to ensure that consumers are provided with greater and more timely information on the nature and costs of the residential real estate settlement process, and to effect certain changes in the settlement process for residential real estate that will result in more effective advance disclosure to home buyers and sellers of settlement costs. The regulation also includes substantive protections. It gives consumers the right to cancel certain credit transactions that involve a lien on a consumer 's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. The regulation does not generally govern charges for consumer credit, except that several provisions in subpart G set forth special rules addressing certain charges applicable to credit card accounts under an open-end ( not home-secured ) consumer credit plan. The regulation requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer 's dwelling. It also imposes limitations on home-equity plans that are subject to the requirements of 1026.40 and mortgages that are subject to the requirements of 1026.32. The regulation prohibits certain acts or practices in connection with credit secured by a dwelling in 1026.36, and credit secured by a consumer 's principal dwelling in 1026.35. The regulation also regulates certain practices of creditors who extend private education loans as defined in 1026.46 ( b ) ( 5 ). In addition, it imposes certain limitations on increases in costs for mortgage transactions subject to 1026.19 ( e ) and ( f ).
( c ) Coverage.
Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students 1026.51 1026.61 The following is as asset to the business trust property Discrimination of financial bank institution income statements.
violation of account agreement Selected Provision from the U.S. Securities Exchange Act of 1934 Relating to the Authority and Discretion of the U.S. SEC to Investigate and Seek Sanctions Relating to Violations of the Securities Laws Authority and discretion of Commission to investigate violations.
Section 21 ( a ) ( 1 ) of the Exchange Act of 1934.
The Commission may, in its discretion, make such investigations as it deems necessary to determine whether any person has violated, is violating, or is about to violate any provision of this chapter, the rules or regulations thereunder, the rules of a national securities exchange or registered securities association of which such person is a member or a person associated with a member, the rules of a registered clearing agency in which such person is a participant, the rules of the Public Company Accounting Oversight Board, of which such person is a registered public accounting firm or a person associated with such a firm, or the rules of the Municipal Securities Rulemaking Board, and may require or permit any person to file with it a statement in writing, under oath or otherwise as the Commission shall determine, as to all the facts and circumstances concerning the matter to be investigated. The Commission is authorized in its discretion, to publish information concerning any such violations, and to investigate any facts, conditions, practices, or matters which it may deem necessary or proper to aid in the enforcement of such provisions, in the prescribing of rules and regulations under this chapter, or in securing information to serve as a basis for recommending further legislation concerning the matters to which this chapter relates.
Attendance of witnesses ; production of records.
) First tier. The amount of the penalty shall be determined by the court in light of the facts and circumstances. For each violation, the amount of the penalty shall not exceed the greater of ( I ) {$5000.00} for a natural person or {$50000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation.
( ii ) Second tier. Notwithstanding clause ( i ), the amount of penalty for each such violation shall not exceed the greater of ( I ) {$50000.00} for a natural person or {$250000.00} for any other person, or ( II ) the gross amount of pecuniary gain to such defendant as a result of the violation, if the violation described in subparagraph ( A ) involved fraud, deceit, manipulation, or deliberate or reckless disregard of a regulatory requirement XXXX XXXX XXXX sign approved beneficiary XXXX XXXX all rights reserved XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8797891
|
2024-04-17
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-04-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
9098785
|
2024-05-25
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-05-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I took a loan out from this company to repay credit card debts and other bills that were immediately due. I had EVERY INTENTION OF PAYING THIS LOAN BACK, BUT I HAD MULTIPLE JOB LOSSES ALONG WITH LOSING EVERYTHING I OWN INCLUDING MY HOME, I WAS GIVEN THE RUN AROUND BY MULTIPLE COLLECTION AGENCIES INCLUDING XXXX XXXX XXXX, STRUCTURED SETTLEMENT AND THE XXXX XXXX XXXX IN WHICH HARASSED ME DAILY FOR MONEY IN WHICH THEY REFUSED TO ACKNOWLEDGE. REGARDLESS OF THE DEBT STATUS, THIS SHOULD HAVE BEEN FORGIVEN AND I AM ASKING THAT THIS IS REMOVED FROM XXXX XXXX AND ANY AND ALL RECORDS OTHERWISE I WILL SUE FOR {$25000.00} ALONG WITH CONTINUANCE TO COMPLAIN AND SUE THE PANTS OFF OF THIS COMPANY!!! I AM ALSO REQUESTING ANY MONIES THAT WERE REPAID TOWARDS MY DEBTS THAT I AM RECOUPED THOSE AMOUNTS ASAP!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5162568
|
2022-01-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
12852747
|
2025-04-07
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
CreditNinja Lending, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Payday loan debt
|
| Date Received |
2025-04-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-04-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
