|
7321185
|
2023-07-28
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Received unwanted marketing or advertising
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5761128
|
2022-07-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-12
|
| Complaint What Happened |
I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5858009
|
2022-08-09
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-09
|
| Complaint What Happened |
On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on lendingtree where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4784434
|
2021-10-06
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-25
|
| Complaint What Happened |
Re CFPB complaint # XXXX, as lending Tree not responding, I sent the email below to the CFPB whistle-blower email address, but got an automated reply sending me back here if the issue of the complaint affected me personally, which it has ( see below ) _____________________ Greetings, _____________________ I filed my complaint w/ the CPFB on XX/XX/2021, as seen below. Were now closing in on one month later, and despite having been contacted by the CPFB for a response ( none provided ), Lending Tree continues its bait and switch tactics.
Attachment 2, which appeared on my XXXX home screen 2 days ago is ironic, as next to the ad appears a real estate article correctly stating that the 30 year fixed rate is in the area of 3 %, while Lending Tree simultaneously shows 2 % on same page. No doubt Lending Tree is making millions of dollars selling leads to dozens and dozens of lenders, none of which have the rates posted.
I know, because after seeing these ads for years, I finally responded, and put up w/ the myriad calls from dozens of lenders, none of which offered anything but market rates, which were on average .875 to 1.125 % higher than Lending Tree is stating.
There is no question in my mind that Lending Tree is acting in bad faith, and as theyre not responding to the CPFB, nor ceasing/ desisting their bait and switch tactics, its clear that they have little concern nor respect for the law nor the CFPB.
I was shopping for a personal no cash out low LTV refinance for XXXX on my single family residence, and missed out on sub 3 rates, taking phone calls w/ the dozens of loan officers who purchase leads from Lending Tree, wasting hours upon hours of my time, so I have been personally damaged by their blatant misrepresentation.
If lending Tree can not direct me to a lender offering the rates theyre advertising, I request that they be required to pay a lender to provide the advertised rate, or stop misleading the public.
_____________________ On the day the 2 % was posted ( XX/XX/2021 ), 2 % for a 30 year fixed would actually have costed XXXX points, which would cost {$290000.00} in my case of a XXXX loan amount ( XXXX X XXXX points ), which I feel Lending Tree should provide me if they cant point out a single lender that is/was offering what theyre posting.
Based on Florida regs, I believe that they could be responsible for a fine of XXXX per day, from the time they ignored your contacting them, which could provide another method of recapturing my loses now that rates have risen again.
______________________________________ Does the CFPB have any actual interest in having their regulations complied with, and the public protected?
Im hoping so!!
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4098626
|
2021-01-28
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-28
|
| Complaint What Happened |
Lendingtree is using deceptive practices to pull your credit information and give to 3rd Party vendors without you being aware. Their website is setup in a way where the consumer answers very generic questions about your home, then they ask for your name and DOB. Buried deep within disclaimers they claim the consumer electronically signs and gives consent for them to match the information you give to pull credit report information and your SSN to give to 3rd Party vendors. There is no way a consumer has any indication they will use this information to pull your social and its purposely designed this way. They also claim you give up all your rights with your electronic signature. There is no where during the process that explicitly states you are electronically signing anything. This needs to be stopped and not allow them to hide behind hidden disclaimers hidden deep within their website which says you agree if you browse their website.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3764930
|
2020-07-26
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2020-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-26
|
| Complaint What Happened |
The previous complaint 's " resolution '' did not address my issue whatsoever.
My claim was that I was not presented privacy disclosures when navigating their website to fill out a loan inquiry.
Please carefully review the attached screen ( in image format ) that they are discussing, as it is seen on the computer I used to fill out the application, and compare it to this response. As you can see, there is no consent disclosure clearly visible on the screen, and it is not only possible, but likely that someone would navigate through that step without even being aware of this disclosure.
Per GLBA, this disclosure must be " clear and concise ''. LendingTree has failed to present the disclosure as such. https : //www.ftc.gov/tips-advice/business-center/guidance/how-comply-privacy-consumer-financial-information-rule- gramm # obligations Their response is therefore misleading and incorrect : Provided on the Auto Loan request page is the following consent disclosure which explains how the information is being used. By clicking on the button above, you consent, acknowledge, and agree to the following : Our Terms of Use and Privacy Policy and to receive important notices, and other communications electronically. We take your privacy seriously. You are providing express written consent to share your contact information with up to five ( 5 ) Network partners, and for LendingTree, auto dealers, broker and authorized third parties to contact you ( including through automated means ; e.g. autodialing, text and pre-recorded messaging ) via telephone, mobile device ( including SMS and MMS-charges may apply ) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call ( DNC ) list. See Auto Finance TCPA. By providing the last 4 digits of your Social Security Number, you are providing express written consent under the Fair Credit Reporting Act for LendingTree, LLC and its partners to verify your information and obtain your credit profile from one or more of the three major credit bureaus. Upon submission of this request and verification of your information, LendingTree, LLC will provide your full Social Security Number, as well as other information provided by you, to up to 5 Network partners as an application for credit or as a pre-qualification request. These partners may perform a hard pull of your credit to provide you with firm offers of credit. I have provided the link to Terms of Use for further information. https : //www.lendingtree.com/legal/terms-of-use.
I was under the impression that this was the federal branch that handled this law, and consumer privacy in general. Their site is specifically designed for people to not be able to see what should legally be " clear '', yet the only response is to point me back at the site owner, who tells me " well technically it's there if you look for it, '' and that is an okay response?
Sites that deal with much less sensitive private data have no trouble forcing the user to read a policy before they explicitly opt-in. Forcing that seems slightly out of the reach of the law, but this specific instance, where the policy is not even displayed at times, is clearly not.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3136860
|
2019-01-30
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-05
|
| Complaint What Happened |
Today, XX/XX/19, a XXXX XXXX rip off scam company called me about a loan request I had made that they found online. They told me I was approved for $ XXXX {$10000.00} and I said I only needed the minimum amount of {$2000.00} which they then told me would be a fixed {$180.00} taken out of my account every month. I trusted that this was who they said they were and didnt realize until later that XXXX XXXX doesnt actually give loans but sets you up with a lender instead. I gave these people my personal information and bank information but told them I wanted to opt out of the whole program. I told them that over the phone and through an email. I have both emails they sent me. I canceled my debit card since they asked for that information too and am not sure if I need to cancel my bank account. I am scared since my paycheck gets deposited twice a month and my taxes are getting deposited soon as well. I have the phone number they called me from as well : # XXXX Attached is the loan agreement they sent me and their emails with my replies.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10846647
|
2024-11-21
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Complaint What Happened |
I received a phone call from what I thought was a lending company I worked with in the past but it was not and was told to transfer {$900.00} from XXXXXXXX XXXX to different phone numbers. I believe they have my account information and SSN. I suspect fraud and would like to close out accounts and put a freeze on my SSN.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2006857
|
2016-07-11
|
Shopping for a loan or lease
|
Consumer Loan
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Shopping for a loan or lease
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-08-15
|
| Complaint What Happened |
Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports.
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports.
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2862809
|
2018-04-03
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2018-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-07
|
| Complaint What Happened |
I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not.
Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2780492
|
2018-01-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-12
|
| Complaint What Happened |
Received a letter from XXXX XXXX XXXX that I was denied for a loan of XXXX that I did not apply for. When I called they told me they received my application from XXXX XXXX. I did not consent for a hard pull from my credit report, and I did not apply for a loan. When I attempted to resolve this with XXXX XXXX XXXX they refused to help. When I wanted to dispute this, they would not transfer me to the disputes dept and stated they would see if they could find someone that wanted to talk with me.
The application they received was from XXXX XXXX, who received the information from XXXX XXXX. I did not consent for a loan application on XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6460345
|
2023-01-19
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| 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 |
Today XXXX I completed a request online with LendingTree to get information on home equity loans. I had 3 representatives from mortgage companies call me. XXXX XXXX from XXXX XXXX XXXX XXXX a Loan Officer NMLS # : XXXX ( XXXX ) XXXX called me and after discussing what I was looking for XXXX wanted to confirm she had the correct social security number for me, I was extremely concerned since I never gave her, her company or LendingTree my social security number. I asked how she had my ss # and she said it was on the form she received from LendingTree. How can LendingTree obtain my social security number without my permission and how are they allowed to share with others without my permission? I have worked hard to build a good credit score and I thought I protected my personal information. I would like them to never be allowed to do this again.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3336124
|
2019-08-10
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-10
|
| Complaint What Happened |
I received a notice called " credit alert, '' that Lending Tree put in for a credit statement which lowers my credit score already damaged by my medical bills I have now.
I had an accident and waiting for payments from the insurance company but now deluged with ads for credit. XXXX XXXX asked me to apply for a credit card and then deluging me with credit information on my scores.
I never put in for a credit application with Lending Tree and should not be punished lowering my score.
Why is Lending Tree checking my credit score when I never asked for them?
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2119531
|
2016-09-19
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2016-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-05
|
| Complaint What Happened |
I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!
|
| Consumer Consent Provided |
Consent provided
|
|
|
7820919
|
2023-11-08
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
VA mortgage
|
| Date Received |
2023-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-09
|
| Complaint What Happened |
On XX/XX/, I submitted an online request through Lending Tree to find the best rates for a VA interest rate reduction loan ( VA IRRL ). I have yet to receive this information. What actually has happened is, I have been inundated with 30 to 50 calls everyday this week from random lenders that I have never heard of. I am getting calls as early as XXXX hours and as late as XXXX hours. The calls are coming about every 20 to 30 minutes consistently. They are contacting me about a VA Cash-out refinance, or home equity loans with their mortgage company. I had to turn off the ringers on my home phone and my cell phone. I asked several of these lenders how they got my contact information? Each of them stated from Lending Tree. This is unacceptable. Lending Tree should not be able to sell my information to all of these unknown mortgage companies that are not even offering the mortgage product information I requested on their website. Now I am overwhelmed with calls from companies trying to sell me a product that I didn't ask for. Of course Lending Tree references the fine print on their page that the consumer agrees to be contacted by their partners. If they are contacting me it should actually be for the mortgage product I requested. None of the several companies I spoke with offered a VA IRRL. This practice should be illegal if it is not already.
|
| Consumer Consent Provided |
Consent provided
|
|
|
393420
|
2013-04-28
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2013-04-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-08-28
|
| Consumer Consent Provided |
N/A
|
|
|
414469
|
2013-05-22
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2013-05-22
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-05-24
|
| Consumer Consent Provided |
N/A
|
|
|
33880
|
2012-03-12
|
Application, originator, mortgage broker
|
Mortgage
|
|
| Issue |
Application, originator, mortgage broker
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2012-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-06-15
|
| Consumer Consent Provided |
N/A
|
|
|
7320314
|
2023-07-28
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Received unwanted marketing or advertising
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4374731
|
2021-05-13
|
Identity theft protection or other monitoring services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Identity theft protection or other monitoring services
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2021-05-13
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-04
|
| Consumer Consent Provided |
N/A
|
|
|
6384712
|
2023-01-01
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2140477
|
2016-10-01
|
Shopping for a loan or lease
|
Consumer Loan
|
|
| Issue |
Shopping for a loan or lease
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-10-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-10-31
|
| Complaint What Happened |
I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10253082
|
2024-09-26
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-09-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-26
|
| Consumer Consent Provided |
N/A
|
|
|
3175589
|
2019-03-11
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2019-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-15
|
| Complaint What Happened |
Between Friday XX/XX/2019 and Monday XX/XX/2019 I received more then TEN phone calls, voice messages and/or texts from either XXXX, XXXX XXXX or XXXX XXXX. Each phone call began with : concerning a loan application I submitted.
I have NOT submitted an application to any lending institution.
Three of the numbers : XXXX and XXXX and XXXX.
I told the caller I had not applied and to please place me on their " Do not call list ''.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3098171
|
2018-12-12
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3864580
|
2020-09-24
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2020-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-24
|
| Complaint What Happened |
On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the XXXX XXXX XXXX ( XXXX ) Debit feature on my account despite the fact that I never authorized automatic XXXX payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX XXXX usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic XXXX payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This XXXX occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic XXXX payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an XXXX transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3397703
|
2019-10-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-07
|
| Complaint What Happened |
I have written to the company no asnwer. I have written and sent documents to all three bureaus and the company. Nothing has been done.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3775859
|
2020-08-01
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2020-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-01
|
| Complaint What Happened |
I attempted to add a second payment account & was told XXXX would not add.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4828279
|
2021-10-20
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2021-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-20
|
| Complaint What Happened |
Today, XX/XX/XXXX, I was told I was approved for an unsecured loan by Lending Tree, a supposedly reputable company. They obtained my bank information as well as my driver 's license. Being in poverty my whole life, this didn't seem terribly out of the ordinary, but once my account was restricted after their " test deposit '' that I was supposed to withdraw and send back via a prepaid card, which made my hackles go up. They have threatened me with a federal chargeback after their " test deposit '' of {$910.00}. Fortunately, my bank account is now restricted and I have filed a fraud form with my local DMV.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3998176
|
2020-12-08
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Home Loan Center, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-08
|
| Complaint What Happened |
On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but XXXX pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company XXXX did a hard inquiry with no authorization.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3334623
|
2019-08-09
|
Received a loan you didn't apply for
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Received a loan you didn't apply for
|
| Timely |
No
|
| Company |
Home Loan Center, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2019-08-09
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-09
|
| Consumer Consent Provided |
N/A
|
|
