|
11478388
|
2025-01-11
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-11
|
|
|
11343848
|
2025-01-01
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
10386290
|
2024-10-08
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5767285
|
2022-07-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4820758
|
2021-10-18
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2021-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-18
|
| Complaint What Happened |
Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7960065
|
2023-12-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| 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 |
2023-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-06
|
| Complaint What Happened |
0n XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called Personify which I did not solicit or requested.
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person.
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
|
| Consumer Consent Provided |
Consent provided
|
|
|
4792844
|
2021-10-08
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4133016
|
2021-02-11
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2021-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-11
|
| Complaint What Happened |
Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3721056
|
2020-06-29
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to arrest you or take you to jail if you do not pay
|
| Sub Product |
Payday loan debt
|
| Date Received |
2020-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-08
|
| Complaint What Happened |
A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account.
After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #.
This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4296684
|
2021-04-09
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2021-04-09
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-28
|
| Consumer Consent Provided |
N/A
|
|
|
3836831
|
2020-09-09
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-09-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10071850
|
2024-09-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10399985
|
2024-10-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3775101
|
2020-08-02
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-02
|
| Complaint What Happened |
I received a text message notification from XXXX XXXX XXXX XXXX ( credit monitoring service ) notifying that Personify Financial had reported my account 30 days late to XXXX on XX/XX/XXXX. I immediately contacted Personify Financial and spoke to their Customer Service Supervisor. He went over my account and acknowledged I shouldn't have been reported late to XXXX, since I was 27 days late when I made a payment in the amount of {$220.00} on XX/XX/XXXX ( which covered 2 installments in the amount of {$110.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). The next payment in the amount of {$240.00} made on XX/XX/XXXX was also 27 days late ( which covered 2 installments in the amount of {$120.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). A subsequent payment in the amount of {$370.00} was made on XX/XX/XXXX ( which covered 3 installments in the amount of {$120.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus a {$17.00} late fee. The Customer Service Supervisor promised he would contact me again in the next few days and assured me it would be taken care of by notifying XXXX of the mistake made by them. That same day ( XX/XX/XXXX ) I also filed an official credit dispute with XXXX. I never received the follow up call I was promised from Personify Financial 's Customer Service Supervisor.
Finally I received a Complaint Acknowledgement letter from Personify Financial dated XX/XX/XXXX stating the reason I was reported 30 days late to XXXX was due to a late fee charged to my account in the amount of {$17.00}.
I replied to Personify Financial on XX/XX/XXXX stating my disagreement with their decision to report my account 30 days late to XXXX. The female Customer Service Representative who processed the payment in the amount of {$220.00} on XX/XX/XXXX advised me a late fee in the amount of {$20.00} was being assessed to my account, clearly stated there was no need to pay it at that time and would be added to my account balance. She did not warn me at any time if not paid at that moment I could be reported to the Credit Bureau. As a matter of fact, when I made a payment on XX/XX/XXXX I inquired with Personify Financial 's Customer Service Representative XXXX and he advised me there was no need to pay any outstanding late fee in order to bring an account to current status.
I never received a reply to my letter dated on XX/XX/XXXX. I sent a second letter to Personify Financial on XX/XX/XXXX and received a reply on XX/XX/XXXX stating they had completed their investigation of my dispute and the information furnished to XXXX was accurate.
I had an unblemished credit record until XX/XX/XXXX and this has seriously hurt my credit score and credit worthiness since then. I had never been reported to any Credit Bureau in the past. I find it extremely unfair and a non-ethical business practice for Personify Financial to provide inaccurate information regarding the assessment of late fees and not warn the customer to fulfill it at the time a payment is made or face the consequences of being reported late to the Credit Bureau.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9947963
|
2024-08-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2019527
|
2016-07-19
|
Shopping for a loan or lease
|
Consumer Loan
|
|
| Issue |
Shopping for a loan or lease
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-20
|
| Complaint What Happened |
I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9606422
|
2024-07-24
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-24
|
| Complaint What Happened |
The company ( s ) is reporting fraudulent, inaccurate information on my credit report
|
| Consumer Consent Provided |
Consent provided
|
|
|
7860482
|
2023-11-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6996816
|
2023-05-18
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-05-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-19
|
| Complaint What Happened |
Good afternoon, I am writing to you because I have problems with this personal loan. I lost my job and due to the high interest rates of this loan, which are 96.97 % per year, it has been impossible for me to pay it. I have called repeatedly to ask a payment agreement and have been denied any possibility of payment relief. They have threatened me with putting the loan in collection and that would hurt me a lot. I think the interest they charge is too high and outlawed. This bank has violated usury law, where by law in Florida lenders can only charge Max 18 % annually. and if so, they would be subject to sanctions that include the loss of interest, both those already paid and those that remain to be paid I request a review of this loan, as well as the removal of this loan from my credit, at the XXXX bureau, which is where I report. attached copy of the contract where it indicates the usury interest rate 96.97 % APR.
I am writing this letter based on your debt collection regulations, which clarify certain provisions contained in the Fair Debt Collection Practices Act ( FDCPA ) that went into effect on XX/XX/2021 I hope you can help me, I am a single mother and I have a family burden and many responsibilities and this loan has damaged my credit and my peace of mind
|
| Consumer Consent Provided |
Consent provided
|
|
|
6813771
|
2023-04-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-04-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-09
|
| Complaint What Happened |
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Personify Financial XXXX XXXX US Department of Education
|
| Consumer Consent Provided |
Consent provided
|
|
|
7154568
|
2023-06-22
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-22
|
| Complaint What Happened |
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| Consumer Consent Provided |
Consent provided
|
|
|
7983057
|
2023-12-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8305964
|
2024-02-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9757689
|
2024-08-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7810220
|
2023-11-07
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-07
|
| Complaint What Happened |
In accordance with the Fair Credit Reporting Act Personify has violated my rights.
Under 15 U.S.C 1681 Section 602 states I have the right to privacy.
Under 15 U.S.C 1681 Section 604 ( a ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7978606
|
2023-12-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6457475
|
2023-01-19
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-19
|
| Complaint What Happened |
I was sent an email stating that my interest rate was reduced from 93.50 % to 91.50 % for on time payments. I did not sign up for this high of an interest rate and I do not believe they are allowed to charge me this much. 90 % interest since XXXX of 2022 is crazy.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6488636
|
2023-01-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-17
|
| Complaint What Happened |
Im getting calls at my work for a debt that supposedly my wife has. We already paid any debts through a debt consolidation company and have confirmed that the debt is taken care of. However this callers is informing me without confirmation or collecting any info and is calling daily even after I told him not to call my job both my wife and I have never used my jobs number for anything. The caller is telling us that the client is willing to settle the collecting with a payment {$400.00} and we have to act in the next three hours. I told him that he needed to call my wife and he said he already did and that he was going to tell the client that they needed to go ahead and do aggressive measures. The next day he said that he didnt say that and that we could make the payment.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6517741
|
2023-02-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Payday loan debt
|
| Date Received |
2023-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3576019
|
2020-03-22
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2020-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-22
|
| Complaint What Happened |
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1000.00} on XX/XX/2019, and have had XXXX bi-weekly withdrawals of {$40.00} debited from my account. This results in a principal balance due of {$330.00}.
I am willing to repay the {$330.00} balance via credit card in 10 monthly installments of {$32.00} each on the last Friday of each month.
At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please contact me to set up payment arrangements as outlined above.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4207880
|
2021-03-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Applied Data Finance, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-12
|
| Complaint What Happened |
Hi, On XX/XX/21, I sent a certified letter to Personify Financial to dispute this alleged debt. The address they have on file for all communication is XXXX XXXX XXXX XXXX XXXX, CA XXXX. The letter was returned on to the sender on XX/XX/21 because the address is undeliverable and unable to forward.
|
| Consumer Consent Provided |
Consent provided
|
|
