Opportunity Financial, LLC

To Whom It May Concern, I am writing to formally dispute inaccurate and non-compliant information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) .Account Name : OppLoans / OppFiAccount Number : [ Insert Account Number from your report ] The Inaccuracies Discovered : Inaccurate Balance Status : This account is reflecting an illegal status notation of " paid XXXX % '' or an active negative balance.Inaccurate Reporting of Sold Debt : The account notes state that this debt has been sold to a third party. Under XXXX reporting standards and the FCRA, once an original creditor sells a debt, they are strictly prohibited from reporting a balance. The balance must be updated to exactly $ XXXXBecause OppLoans has sold this account, they no longer own the debt. They can not report a balance or a confusing, non-standard notation like " paid XXXX % '' while simultaneously reporting a Profit and Loss Charge-Off.…

I am an Illinois resident and obtained a {$3200.00} loan through OppLoans/Opportunity Financial issued by XXXX XXXX XXXX XXXX After receiving the loan I realized that I am required to make weekly payments of approximately {$130.00}. I did not fully appreciate how difficult the weekly payment schedule would be to manage. The loan also has a XXXX % APR, a finance charge of {$4000.00}, and total payments of {$7200.00}. The combination of the very high cost of the loan and the required weekly payments has caused me financial hardship. I am asking the CFPB to review whether the loan terms and payment schedule were presented fairly and to request that the company work with me on a more reasonable resolution.

I am a NC resident. At the time of taking out this loan I was not aware of the consumer protection laws in NC and wasnt aware of my rights as a customer. I had taken out this loan at a desperate time to be able to put food on the table and have a roof over my family and I 's head. I have since came to realize that the loan I took out is severely predatory and outright illegal and should not have been proposed to me the way that it was. This loan has an interest rate of 159.34 % which is far above NC 's cap and it was originated through XXXX XXXX XXXX ( Utah ) in a rent-a-bank structure to get around state law.

I am filing a complaint against Opportunity Financial , LLC ( OppLoans ) for violating FCRA 623 ( 15 USC 1681s-2 ) by transmitting inaccurate and structurally flawed consumer electronic data. This account is reported as a " Charge Off ''. Per the CDIA Metro-2 reporting standards, once an account is written off, specific data segments- such as the base segment reporting fields, current status, and rolling past-due fields- must lock and contain perfectly synchronized logic. I sent a technical Metro-2 violation notice highlighting data errors in their reporting. OppLoans failed to perform a valid audit of their electronic data layout and simply rubber-stamped an automated " verified '' code back to XXXX. OppLoans is currently publishing data that violates CDIA reporting integrity, and I demand that they order all major credit bureaus to delete this non-compliant tradeline immediately.

I took out a loan for {$4000.00} on XXXX XXXX. I have made 11 biweekly payments of {$260.00}. The interest rate on this loan is 195 %. I have paid {$2900.00} to them on a {$4000.00} loan and the balance of the loan is {$3900.00}. It is illegal in the state of Pennsylvania to charge 195 % interest. I have paid almost {$3000.00} on a {$4000.00} loan and it say I still owe {$3900.00}.

Complaint Against OppLoans / Opportunity Financial , LLC I am a New Jersey resident who obtained a loan through OppLoans. My loan agreement shows that I borrowed {$2600.00} and was charged an APR of 159.57 %, with a total repayment amount of {$5400.00}. The loan agreement lists my New Jersey address and confirms that the lender was aware I was a New Jersey resident at the time the loan was made. Since XX/XX/2025, I have made weekly payments of {$97.00}. Based on my payment history, I have paid approximately {$3400.00} toward this loan, which exceeds the {$2600.00} principal amount that I borrowed. Despite this, OppLoans continues to claim that I owe a remaining balance of approximately {$1400.00}. I am experiencing financial hardship and can not afford to continue making these payments. I dispute the remaining balance and request that OppLoans provide a complete accounting of all payments made and how those payments have been applied.…

I am submitting this complaint regarding an unsecured loan account reported under XXXX/XXXX with a past due balance of approximately {$2100.00}. This account is being reported on my credit file as delinquent/charged-off and I believe the information may be inaccurate, incomplete, or not properly verified. I previously requested debt validation and supporting documentation from the company, including verification of the balance, payment history, and reporting accuracy. I did not receive sufficient documentation to confirm or validate the information being reported. This account is currently being reported as past due and is negatively impacting my credit reports. I am requesting a full investigation and validation of this account. If the company can not fully verify that the balance, status, and reporting information are accurate, complete, and properly documented, I am requesting that this account be corrected or removed from all credit reporting agencies.

T his debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

The company never responded to me about a debt or collections and the amount owed and dates were wrong

I am a North Carolina resident. I took out a loan with OppLoans ( operated by Opportunity Financial , LLC, also known as OppFi ) for an original principal of {$590.00} with an XXXX of approximately XXXX %. XXXX XXXX OppLoans operates a " rent-a-bank '' scheme to evade state usury laws. They partner with FDIC-insured banks including XXXX XXXX XXXX Utah ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and most recently a bank referred to in their communication to me as " XXXX XXXX XXXX XXXX claim federal preemption from state interest rate caps. This scheme has been challenged by multiple state authorities : - District of Columbia Attorney General : Won {$2.00} XXXX settlement against OppFi in XXXX for engaging in this scheme - California Department XXXX XXXX XXXX and Innovation ( DFPI ) : Active lawsuit - State of Texas : Active class action filed XX/XX/XXXX challenging Texas XXXX evasion OppLoans is listed on the XXXX XXXX XXXX XXXXXXXX XXXX " High-Cost Rent-a-Bank…

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

I did not open this account, It was open using my information.

OPPORTUNITY FINANCIAL XX/XX/XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account XX/XX/XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2600.00} Balance Owed {$2600.00} Payment Amount {$0.00} Credit Limit -- This company has shared my personal information with another companywhether by selling it or otherwise sharing itthereby violating my consumer rights under 15 U.S. CXX/XX/XXXXe XXXX and 15 U.S. CXX/XX/XXXXe XXXX.

Consumer Financial Protection Bureau ( CFPB ) Complaint Inaccurate Charge-Off Reporting and Failure to Verify Information I am filing this complaint against OppLoans agency and XXXX ( XXXX XXXX XXXX ) regarding an inaccurate charge-off being reported on my credit report. The account in question is being reported as a charge-off ; however, neither the creditor nor the credit reporting agencies have provided sufficient verified information to support the accuracy of this reporting. None of my recent addresses were on file nor any of my contact information. On XX/XX/XXXX, I disputed this account to XXXX and requested verification of the information being reported. Despite my requests, on XX/XX/XXXX, I have not received any resolution for the account in question, documentation proving that the account belongs to me, or received that the balance being reported is accurate.…

I wasnt contacted to settle loan that was in default now im being sued witXXXX XXXX XXXX XXXXterest that is predatory

Annual apr is set to 159 %. This is substantially higher than the illinois limit of 36 %. I was unaware at the time of signing that it was so high.

I am filing this complaint regarding an OppLoans loan serviced by Opportunity Financial , LLC and originated through XXXX XXXX XXXX XXXX I am an Illinois consumer, and my loan agreement states that I borrowed {$2000.00} with an annual interest rate of 179.0 %. Based on the agreement, interest accrues daily at 1/365 of the annual rate. On a {$2000.00} balance, that equals approximately {$9.00} per day in interest at the beginning of the loan. I am concerned that this loan may violate or evade Illinois consumer protection laws, including Illinois 36 % rate cap under the Predatory Loan Prevention Act. Although the agreement identifies XXXX, a Utah bank, as the lender, OppLoans appears to be heavily involved in servicing, collecting, communicating with me, and administering the loan. I am concerned this may be a rent-a-bank arrangement designed to avoid Illinois interest rate protections.…

I am submitting this complaint regarding OPP Loans ' ( Opportunity Financial , LLC ) inaccurate furnishing of information to credit reporting agencies, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692f. My XXXX credit report dated XX/XX/XXXX shows the following from OPP Loans : Account opened XX/XX/XXXX, charged off in XX/XX/XXXX, original balance {$2000.00}, current reported balance {$2800.00}, reported as " past due {$2800.00} as of XX/XX/XXXX. '' The reporting contains multiple accuracy problems that I dispute under 1681s-2 ( a ) and ( b ) : ( 1 ) Charge-off timeline. The account is reported as opened XX/XX/XXXX and charged off in XX/XX/XXXX approximately 90 days from origination. Federal regulatory guidance under the FFIEC Uniform Retail Credit Classification and Account Management Policy provides for charge-off of closed-end loans at 120 days past due.…

I thought they were helping me. After a while of paying on the loan my payoff number wasnt going down. I then looked into it and found out that I had a 160 % interest rate. With further research I learned that the highest legal amount of interest in Virginia ( which is where I live ) is 35 %. Anything over 35 % is illegal. My loan is at 160 % which is not honored in VA. They took advantage of a young girl who didnt know much at the time about interest rates. They caused me emotional distress and anxiety from worrying on not being able to pay my payments on time. If I wasnt able to make my payments on time my account was debited more ( usually around XXXX dollars ).

XXXXopploans XX/XX/year> {$730.00}. I have no knowledge of this account and it was not opened by me

This high interest predatory loan was opened in XXXX. It went into default and was sold by opploans to a third party debt collector. When I sent a request to verify amounts, Opploans reported this account as a new collections on my credit report. This dropped my credit score XXXX points. It's not fair because my credit was already affected when reported delinquent in XXXX XXXX.

I am filing this complaint against OppLoans / OppFi and XXXX XXXX XXXX regarding a high-cost installment loan made to me as a New Jersey resident . The loan was originated on or about XX/XX/year>. The loan amount was {$3000.00}. The documents and OppLoans correspondence reflect an APR of approximately 158.65 % and an agreed annual interest rate of 160.0 %. OppLoans has confirmed in writing that interest accrues daily, that the daily rate is calculated as 1/365 of the 160.0 % annual rate, and that payments are applied first to any charges or fees, then to accrued interest, and only then to principal. I dispute the legality, enforceability, and collectability of this loan, including the collection of interest, finance charges, and any amount beyond the net principal advanced. I am a New Jersey resident, and I believe this loans rate far exceeds New Jerseys usury limits.…

These accounts are wrong and I would like to dispute them.

In XX/XX/XXXX, I took out a personal installment loan for {$2300.00} with XXXX XXXX, serviced by OppFi/OppLoans. The loan carried an Annual Percentage Rate of 159.56 %, which violates California AB 539, effective XX/XX/XXXX, which caps interest rates on personal loans between {$2500.00} and {$10000.00} at 36 % APR. The loan was partially used to pay off a prior OppFi loan, and the account has since been assigned to a debt collector called XXXX. As of XX/XX/XXXX, XXXX 's own written communication to me states their California collection license is " pending, '' meaning they are actively attempting to collect {$3600.00} from me without a valid California license, in violation of the XXXX Fair Debt Collection Practices Act. I disputed this account on my credit report. XXXX responded by providing the original promissory note and payment history as debt validation.…

I called to inquire about the wrong reporting of a pay day loan that was not mine. I asked for signed documents, payment history, and authorization to sell my information to third parties. I was told that that information can not be sent via mail, or email. This debt is not mine. They have not provided me with any supporting documentation. The account lays in a charge off status. It should not be continuously reported if the account is been in that status for more than 10 months.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I am submitting this complaint regarding an installment loan account that is being reported on my credit report with inaccurate and/or unverified information. I previously disputed this account with the credit reporting agencies and requested proper verification. However, the account continues to be reported without sufficient proof of accuracy or complete validation. I believe the information being reported is incorrect and can not be fully verified as required under the Fair Credit Reporting Act. I am requesting a full reinvestigation of this account, including all underlying documentation used to report it. If the company can not provide complete and verifiable documentation confirming the accuracy of this account, I am requesting that it be corrected or removed from all credit reporting agencies.

I am writing to dispute accounts appearing on my credit report that I do not recognize and did not authorize. My personal information was compromised during the XXXX data breach, and I believe these accounts XXXX be the result of identity theft or unauthorized use of my identity. I have no knowledge of these accounts and did not open or benefit from them in any way. These accounts are negatively impacting my credit and do not reflect my financial activity. Under the Fair Credit Reporting Act, I am requesting a full investigation into these accounts. Please provide documentation verifying that I authorized these accounts, including any signed agreements. If you are unable to verify that these accounts belong to me, I request that they be permanently removed from my credit report. I am willing to provide additional documentation, including an identity theft report, if necessary.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper documentation showing that I am legally obligated to pay it. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges 4. Copies of any contract, agreement, signature, or other documents showing I agreed to this debt 5. Proof that your company is legally authorized to collect this debt 6. Documentation showing the chain of assignment if this debt was sold or transferred 7. The date of the last payment made on this account 8.…