{"took":752,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":795,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3768651","_score":22.000889,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is \" from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.","date_sent_to_company":"2020-07-29T07:10:56.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"33619","tags":"Servicemember","has_narrative":true,"complaint_id":"3768651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-07-29T02:45:37.000Z","state":"FL","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["I obtained a loan from <em>Omni</em> <em>Financial</em> ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted <em>Omni</em> <em>Financial</em> to work out a payment plan or alternative agreement, <em>Omni</em> <em>Financial</em> refused to work with me. The maximum interest rate that <em>Omni</em> <em>Financial</em> advertise is \" from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX <em>Omni</em> <em>financial</em> is reporting a balance of {$13000.00}."]},"sort":[22.000889,"3768651"]},{"_index":"complaint-public-v1","_id":"2433307","_score":21.693226,"_source":{"product":"Consumer Loan","complaint_what_happened":"The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.","date_sent_to_company":"2017-04-14T14:16:28.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"11203","tags":"Servicemember","has_narrative":true,"complaint_id":"2433307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2017-04-13T21:50:17.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The loan account ( account # XXXX ) from this creditor ( <em>Omni</em> <em>Financial</em> XXXX/<em>Omni</em> XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for <em>Omni</em> <em>Financial</em> XXXX/<em>Omni</em> XXXX, I 'm left with very little options."]},"sort":[21.693226,"2433307"]},{"_index":"complaint-public-v1","_id":"8330938","_score":21.588509,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"*** New Complaint*** Omni financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.\n\nOmni did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. Omni is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. \n\nIve attempted to contact XXXX XXXX without success. No member of Omni has contacted me. \n\nIm attaching original response and except surrounding XXXX as Omni is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both financial and mental hardships.","date_sent_to_company":"2024-02-13T00:06:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8330938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-02-12T23:59:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["No member of <em>Omni</em> has contacted me. \n\nIm attaching original response and except surrounding XXXX as <em>Omni</em> is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both <em>financial</em> and mental hardships."]},"sort":[21.588509,"8330938"]},{"_index":"complaint-public-v1","_id":"3600480","_score":21.240156,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.","date_sent_to_company":"2020-04-10T07:34:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80921","tags":"Servicemember","has_narrative":true,"complaint_id":"3600480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-04-10T03:15:36.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX is reporting a duplicate <em>Omni</em> <em>Financial</em> account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with <em>Omni</em> <em>Financial</em>. I have called <em>Omni</em> and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how <em>Omni</em> is reporting it."]},"sort":[21.240156,"3600480"]},{"_index":"complaint-public-v1","_id":"3463214","_score":21.138767,"_source":{"product":"Debt collection","complaint_what_happened":"I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.","date_sent_to_company":"2019-12-09T22:46:24.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Payday loan debt","zip_code":"664XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3463214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2019-12-09T22:20:57.000Z","state":"KS","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["I have a loan through <em>Omni</em> <em>Financial</em> in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by <em>Omni</em> were illegal my <em>financial</em> adviser seen this allotment and told me to terminate it immediately."]},"sort":[21.138767,"3463214"]},{"_index":"complaint-public-v1","_id":"2290361","_score":20.896147,"_source":{"product":"Consumer Loan","complaint_what_happened":"I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a \" charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.","date_sent_to_company":"2017-01-18T22:00:09.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle lease","zip_code":"29170","tags":null,"has_narrative":true,"complaint_id":"2290361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2017-01-17T14:12:14.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Though World <em>Omni</em> <em>Financial</em> had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World <em>Omni</em> <em>Financial</em> called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do."],"company":["World <em>Omni</em> <em>Financial</em> Corp."]},"sort":[20.896147,"2290361"]},{"_index":"complaint-public-v1","_id":"5284478","_score":20.8763,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.","date_sent_to_company":"2022-03-04T06:44:06.000Z","issue":"Lost or stolen check","sub_product":"Refund anticipation check","zip_code":"28314","tags":"Servicemember","has_narrative":true,"complaint_id":"5284478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2022-03-04T01:39:01.000Z","state":"NC","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Omni</em> <em>Financial</em> of Nevada XXXX Inc., also doing business as <em>Omni</em> <em>Financial</em> and <em>Omni</em> Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against <em>Omni</em> <em>Financial</em>. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX."]},"sort":[20.8763,"5284478"]},{"_index":"complaint-public-v1","_id":"16573337","_score":20.83608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have received Omni Financial 's final response, in which you refuse to negotiate via letter and demand communication by phone. Your attempt to move this liability negotiation off the record is rejected. \n\nOmni Financial 's persistent conduct demonstrates Willful Non-Compliance with the FCRA and a Reckless Disregard for federal law, meeting the legal threshold for maximum damages in a lawsuit. \n\nI. Evidence of Legal Violations and Willful Non-Compliance Omni has repeatedly failed to conduct a reasonable investigation and correct the inaccurate tradeline : Military Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a military allotment to repay a consumer credit transaction. Omni 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment. This constitutes a legal admission that the loan is void from its inception. \n\nWillfulness : Omni had separate formal notice of the MLA issue in April 2025, yet willfully continued to report this void debt.\n\nIllegal Collection Attempts & Refusal to Communicate in Writing ( FDCPA Violation ) : Your demand that I call Omni to \" resolve your financial concern '' is an illegal collection attempt on a void debt. \n\nYour refusal to negotiate in writing and demand for a phone call is an attempt to evade the creation of a legally enforceable settlement document and will be cited as a further FDCPA violation in court. \n\nFurnishing Inaccurate/Aged Data ( FCRA Violation ) : Omni used documents stating a XXXX Debt Validation date for this account, which originated on XX/XX/XXXX. \n\nData Insertion During Active Dispute ( FCRA Violation ) : On XX/XX/XXXX, while this account was under an active dispute investigation, Omni added new data to the tradeline. Adding new data during a pending investigation is an illegal willful act that interferes with the dispute process. \n\nWillful Data Manipulation ( FCRA Violation ) : Following the formal dispute dated XX/XX/XXXX, Omni refused to delete the void debt. Instead, Omni engaged in willful data modification, altering 9 fields of data on the tradeline. \n\nII. Non-Negotiable Settlement Demand Omni Financial 's cumulative actions trigger a civil cause of action seeking statutory damages of {$100.00} to {$1000.00} per violation under the FCRA and FDCPA, plus attorney 's fees and punitive damages. To avoid an immediate federal lawsuit for all cumulative violations, I demand the following non-negotiable settlement : Immediate Deletion : Permanently delete the Omni Financial tradeline ( # XXXX ) from all three credit bureaus. \n\nCash Settlement : Pay a non-negotiable cash settlement of {$15000.00}. \n\nOmni Financial has 7 calendar days from today 's date to agree to this full settlement in writing. If I do not receive a written agreement by the deadline, I will immediately file suit in XXXX XXXX XXXX and demand a Jury Trial without further notice.","date_sent_to_company":"2025-10-14T14:52:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16573337","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-10-14T14:43:04.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have received <em>Omni</em> <em>Financial</em> 's final response, in which you refuse to negotiate via letter and demand communication by phone. Your attempt to move this liability negotiation off the record is rejected. \n\n<em>Omni</em> <em>Financial</em> 's persistent conduct demonstrates Willful Non-Compliance with the FCRA and a Reckless Disregard for federal law, meeting the legal threshold for maximum damages in a lawsuit. \n\nI."]},"sort":[20.83608,"16573337"]},{"_index":"complaint-public-v1","_id":"3473105","_score":20.658749,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times \" That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.","date_sent_to_company":"2019-12-19T07:21:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"3473105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2019-12-19T07:21:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World <em>Omni</em> <em>Financial</em> Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, <em>Omni</em> <em>Financial</em> Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and <em>Omni</em> <em>Financial</em> Corp."],"company":["World <em>Omni</em> <em>Financial</em> Corp."]},"sort":[20.658749,"3473105"]},{"_index":"complaint-public-v1","_id":"4043556","_score":20.654385,"_source":{"product":"Debt collection","complaint_what_happened":"I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). \n\nThere was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.","date_sent_to_company":"2021-01-19T16:10:30.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"36869","tags":"Servicemember","has_narrative":true,"complaint_id":"4043556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2021-01-02T21:31:10.000Z","state":"AL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am seeking your assistance in regards to illegal practices of <em>Omni</em> <em>Financial</em> of Nevada , Inc. After extensive research, I have found that <em>Omni</em> <em>Financial</em> has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was <em>Omni</em> <em>Financial</em> was not registered to operate until XX/XX/XXXX."]},"sort":[20.654385,"4043556"]},{"_index":"complaint-public-v1","_id":"8314633","_score":20.607132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against Omni Financial. \n\nIve long disputed this debt and as its clear that Omni violated the MLA and EFTA, continued reporting against me is a violation of FCRA. \n\nIve suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. Omni has continued to report the same debt as 2 different derogatory trade lines with XXXX. \n\nI received no compensation after the finalization of CFpB consent order.","date_sent_to_company":"2024-02-09T20:57:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8314633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-02-09T20:50:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against <em>Omni</em> <em>Financial</em>. \n\nIve long disputed this debt and as its clear that <em>Omni</em> violated the MLA and EFTA, continued reporting against me is a violation of FCRA. \n\nIve suffered numerous <em>financial</em> hardships by way of increased interest rates and credit denial because of these unjust reports. <em>Omni</em> has continued to report the same debt as 2 different derogatory trade lines with XXXX."]},"sort":[20.607132,"8314633"]},{"_index":"complaint-public-v1","_id":"12164506","_score":20.508377,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I took out a loan with Omni Financial in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, Omni Financial has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections.","date_sent_to_company":"2025-02-21T21:54:58.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"700XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12164506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-02-21T21:43:58.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I took out a loan with <em>Omni</em> <em>Financial</em> in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, <em>Omni</em> <em>Financial</em> has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections."]},"sort":[20.508377,"12164506"]},{"_index":"complaint-public-v1","_id":"4432491","_score":20.33368,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. \n\nXX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. \n\nSoutheast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. \n\nXX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.","date_sent_to_company":"2021-06-04T21:06:09.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"4432491","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2021-06-04T19:43:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World <em>Omni</em> LT and Southeast Toyota Finance dba World <em>Omni</em> <em>Financial</em> Corp, that account was paid in full. \n\nSoutheast Toyota Finance dba World <em>Omni</em> <em>Financial</em> Corp continually sends past due notices and harassing phone calls. \n\nXX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail."],"company":["World <em>Omni</em> <em>Financial</em> Corp."]},"sort":[20.33368,"4432491"]},{"_index":"complaint-public-v1","_id":"3542575","_score":20.220528,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.","date_sent_to_company":"2020-02-24T20:18:56.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"230XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3542575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-02-24T20:08:00.000Z","state":"VA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I included a loan with <em>Omni</em> <em>Financial</em>. In XX/XX/XXXX I contacted <em>Omni</em> and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact <em>Omni</em> <em>Financial</em>."]},"sort":[20.220528,"3542575"]},{"_index":"complaint-public-v1","_id":"2877751","_score":20.108267,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the \" notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help","date_sent_to_company":"2018-04-17T21:54:44.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"33606","tags":null,"has_narrative":true,"complaint_id":"2877751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2018-04-17T21:41:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I had an auto loan with my then husband with World <em>Omni</em> <em>Financial</em> Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World <em>Omni</em> <em>Financial</em> Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World <em>Omni</em> <em>Financial</em> Corp received their check. I requested the \" notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse."],"company":["World <em>Omni</em> <em>Financial</em> Corp."]},"sort":[20.108267,"2877751"]},{"_index":"complaint-public-v1","_id":"4213459","_score":20.002497,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!","date_sent_to_company":"2021-03-15T14:02:17.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"31602","tags":"Servicemember","has_narrative":true,"complaint_id":"4213459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2021-03-15T13:20:39.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Omni</em> <em>financial</em> failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. <em>Omni</em> <em>Financial</em> is targeting military members with their extreme dishonest lending practices. <em>Omni</em> has violated Military Lending Act. Please Help!!"]},"sort":[20.002497,"4213459"]},{"_index":"complaint-public-v1","_id":"2807921","_score":19.991198,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.","date_sent_to_company":"2018-02-13T17:27:12.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"30253","tags":"Servicemember","has_narrative":true,"complaint_id":"2807921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2018-02-08T16:33:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The first date of delinquency with <em>omni</em> <em>financial</em> is XX/XX/XXXX and not XX/XX/XXXX. I spoke with <em>omni</em> <em>financial</em> supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law."]},"sort":[19.991198,"2807921"]},{"_index":"complaint-public-v1","_id":"4185773","_score":19.988274,"_source":{"product":"Debt collection","complaint_what_happened":"Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.","date_sent_to_company":"2021-03-04T13:42:15.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"344XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4185773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2021-03-04T13:18:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Omni</em> <em>Financial</em> did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with <em>Omni</em> <em>Financial</em> on XX/XX/2020. Attached is the settlement that CFPB brought against them."]},"sort":[19.988274,"4185773"]},{"_index":"complaint-public-v1","_id":"5298200","_score":19.9411,"_source":{"product":"Debt collection","complaint_what_happened":"We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.","date_sent_to_company":"2022-03-08T20:12:12.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"28214","tags":"Servicemember","has_narrative":true,"complaint_id":"5298200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2022-03-08T20:03:33.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["YOUR COMPLAINT I have been actively disputing an account with <em>Omni</em> <em>Financial</em> of Nevada for years. I recently began cleaning up my credit and notice, <em>Omni</em> was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX."]},"sort":[19.9411,"5298200"]},{"_index":"complaint-public-v1","_id":"20407448","_score":19.890327,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I obtained multiple installment loans from Omni Financial over time, and each loan appears to have been refinanced or replaced by a new loan. I have documentation showing that several of these loans were marked as PAID by Omni Financial. \n\nHowever, Omni Financial is currently reporting a balance and has not provided a clear or complete accounting of how the balances from prior loans were carried over into subsequent loans. \n\nI made payments on these accounts, including payments through military allotment, but I have not been provided with a full payment history or a loan-by-loan breakdown showing how each prior loan was paid off, how much was carried forward, and how the current balance was calculated. \n\nThe documentation I have reviewed shows multiple loans marked as paid, yet there is still an outstanding balance being reported. This creates confusion and raises concerns about whether the account has been accurately calculated and reported. \n\nI am requesting that Omni Financial provide a complete accounting of all loans, including payment history, payoff amounts, and any balance transfers between loans. If they are unable to fully verify the accuracy of the balance, the account should be corrected or removed.","date_sent_to_company":"2026-03-19T13:21:52.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"27520","tags":"Servicemember","has_narrative":true,"complaint_id":"20407448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2026-03-19T13:06:36.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I obtained multiple installment loans from <em>Omni</em> <em>Financial</em> over time, and each loan appears to have been refinanced or replaced by a new loan. I have documentation showing that several of these loans were marked as PAID by <em>Omni</em> <em>Financial</em>. \n\nHowever, <em>Omni</em> <em>Financial</em> is currently reporting a balance and has not provided a clear or complete accounting of how the balances from prior loans were carried over into subsequent loans."]},"sort":[19.890327,"20407448"]},{"_index":"complaint-public-v1","_id":"1873529","_score":19.872997,"_source":{"product":"Consumer Loan","complaint_what_happened":"On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!","date_sent_to_company":"2016-05-12T12:49:37.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle loan","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"1873529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2016-04-11T16:03:44.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This is a serious matter and why do I have to spend my time and <em>financial</em> resources to correct a problem that is solely the fault of <em>Omni</em> World <em>Financial</em> and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!"],"company":["World <em>Omni</em> <em>Financial</em> Corp."]},"sort":[19.872997,"1873529"]},{"_index":"complaint-public-v1","_id":"11026094","_score":19.872469,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Reference Number : XXXX We are the Consumer Financial Protection Bureau ( CFPB ), a federal government agency that enforces laws that protect consumers. The CFPB settled a lawsuit against Omni Financial, LLC ( Omni ), saying that it had illegally charged interest and fees on loans. \n\nOn XX/XX/year>, you were sent a check that is a refund of all or part of the interest and fees you paid to Omni. According to our records, you havent cashed your check. \n\nIf you have questions or need a replacement check, please contact the XXXX XXXX XXXX. \n\nMail : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX E-mail : XXXX XXXX","date_sent_to_company":"2024-12-05T04:53:57.000Z","issue":"Can't contact lender or servicer","sub_product":"Payday loan","zip_code":"33172","tags":"Servicemember","has_narrative":true,"complaint_id":"11026094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-12-05T04:47:38.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Reference Number : XXXX We are the Consumer <em>Financial</em> Protection Bureau ( CFPB ), a federal government agency that enforces laws that protect consumers. The CFPB settled a lawsuit against <em>Omni</em> <em>Financial</em>, LLC ( <em>Omni</em> ), saying that it had illegally charged interest and fees on loans. \n\nOn XX/XX/year>, you were sent a check that is a refund of all or part of the interest and fees you paid to <em>Omni</em>. According to our records, you havent cashed your check."]},"sort":[19.872469,"11026094"]},{"_index":"complaint-public-v1","_id":"4067779","_score":19.852816,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a collection account with XXXX XXXX XXXX where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor Omni Financial, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact Omni Financial. I have contacted Omni financial on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX.","date_sent_to_company":"2021-01-13T14:37:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"319XX","tags":null,"has_narrative":true,"complaint_id":"4067779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2021-01-13T14:37:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have contacted <em>Omni</em> <em>financial</em> on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX."]},"sort":[19.852816,"4067779"]},{"_index":"complaint-public-v1","_id":"3084182","_score":19.809378,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.","date_sent_to_company":"2018-12-13T15:05:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70123","tags":null,"has_narrative":true,"complaint_id":"3084182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2018-11-27T08:28:41.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX  has been non-compliant with removing the unverified account <em>OMNI</em> <em>FINANCIAL</em> which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that <em>OMNI</em> <em>FINANCIAL</em> was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified."]},"sort":[19.809378,"3084182"]},{"_index":"complaint-public-v1","_id":"6505288","_score":19.717175,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Omni Financial has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time Omni Financial is still taking out {$400.00} by allotment every month from my XXXX XXXX pay.","date_sent_to_company":"2023-01-30T21:18:08.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Payday loan","zip_code":"29016","tags":"Servicemember","has_narrative":true,"complaint_id":"6505288","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2023-01-30T21:05:10.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Omni</em> <em>Financial</em> has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time <em>Omni</em> <em>Financial</em> is still taking out {$400.00} by allotment every month from my XXXX XXXX pay."]},"sort":[19.717175,"6505288"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1785,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":0,"key_as_string":"false","doc_count":990},{"key":1,"key_as_string":"true","doc_count":795}]}},"product":{"doc_count":795,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or lease","doc_count":341,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":261},{"key":"Lease","doc_count":80}]}},{"key":"Debt collection","doc_count":125,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Auto debt","doc_count":79},{"key":"I do not know","doc_count":15},{"key":"Credit card debt","doc_count":10},{"key":"Payday loan debt","doc_count":9},{"key":"Other debt","doc_count":8},{"key":"Auto","doc_count":2},{"key":"Other (i.e. phone, health club, etc.)","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":117,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":115},{"key":"Credit repair services","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":102,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":100},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Consumer Loan","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan","doc_count":21},{"key":"Vehicle lease","doc_count":13},{"key":"Installment loan","doc_count":5}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":36,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":24},{"key":"Payday loan","doc_count":6},{"key":"Personal line of credit","doc_count":4},{"key":"Title loan","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":22,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":14},{"key":"Payday loan","doc_count":4},{"key":"Personal line of credit","doc_count":3},{"key":"Title loan","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":7}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Refund anticipation check","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Gift or merchant card","doc_count":1}]}}]}},"issue":{"doc_count":795,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":129,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":52},{"key":"Account status incorrect","doc_count":38},{"key":"Information belongs to someone else","doc_count":24},{"key":"Old information reappears or never goes away","doc_count":14},{"key":"Information is missing that should be on the report","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":129,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":36},{"key":"Problem with fees charged","doc_count":31},{"key":"Problem with additional products or services purchased with the loan","doc_count":26},{"key":"Loan sold or transferred to another company","doc_count":7},{"key":"Problem with the interest rate","doc_count":5}]}},{"key":"Problems at the end of the loan or lease","doc_count":68,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":25},{"key":"Problem with paying off the loan","doc_count":14},{"key":"Problem while selling or giving up the vehicle","doc_count":10},{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":8},{"key":"Termination fees or other problem when ending the lease early","doc_count":7},{"key":"Problem related to refinancing","doc_count":2},{"key":"Problem when attempting to purchase vehicle at the end of the lease","doc_count":2}]}},{"key":"Improper use of your report","doc_count":61,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":51},{"key":"Credit inquiries on your report that you don't recognize","doc_count":9},{"key":"Report provided to employer without your written authorization","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":50,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan opened without my consent or knowledge","doc_count":12},{"key":"Fraudulent loan","doc_count":11},{"key":"Confusing or misleading advertising or marketing","doc_count":9},{"key":"Credit denial","doc_count":4},{"key":"Problem with signing the paperwork","doc_count":4},{"key":"Changes in terms mid-deal or after closing","doc_count":3},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":3},{"key":"High-pressure sales tactics","doc_count":2},{"key":"Confusing or misleading advertising","doc_count":1},{"key":"Problem with a trade-in","doc_count":1}]}},{"key":"Repossession","doc_count":46,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":14},{"key":"Account reinstatement or redemption after repossession","doc_count":10},{"key":"Lender trying to repossess or disable the vehicle","doc_count":5},{"key":"Company explaining amount owed","doc_count":4},{"key":"Company communicating payment assistance or payment extension options","doc_count":3},{"key":"Notice to repossess","doc_count":3},{"key":"Voluntary repossession","doc_count":3},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":2},{"key":"Deficiency balance after repossession","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":15},{"key":"Debt was result of identity theft","doc_count":14},{"key":"Debt was paid","doc_count":10},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":3}]}},{"key":"Struggling to pay your loan","doc_count":42,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Denied request to lower payments","doc_count":21},{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":8},{"key":"Lender trying to repossess or disable the vehicle","doc_count":6}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":32,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":19},{"key":"Investigation took more than 30 days","doc_count":11},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":30,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":23},{"key":"Was not notified of investigation status or results","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":2}]}},{"key":"Charged fees or interest you didn't expect","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":22,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":22}]}},{"key":"Took or threatened to take negative or legal action","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":9},{"key":"Threatened or suggested your credit would be damaged","doc_count":9},{"key":"Sued you without properly notifying you of lawsuit","doc_count":1},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":1}]}},{"key":"Communication tactics","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":10},{"key":"Frequent or repeated calls","doc_count":7},{"key":"Called before 8am or after 9pm","doc_count":1}]}},{"key":"Written notification about debt","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":10},{"key":"Didn't receive notice of right to dispute","doc_count":7},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"Problem when making payments","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3},{"key":"You never received your bill or did not know a payment was due","doc_count":2}]}},{"key":"Problems when you are unable to pay","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Taking out the loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity theft protection services","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":3},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1},{"key":"Problem with product or service terms changing","doc_count":1}]}},{"key":"Improper contact or sharing of info","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted me after I asked not to","doc_count":2},{"key":"Talked to a third party about my debt","doc_count":1}]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Can't contact lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2}]}},{"key":"Problem with additional add-on products or services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Threatened to contact someone or share information improperly","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":2}]}},{"key":"Unable to get your credit report or credit score","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":2}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Loan payment wasn't credited to your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Lost or stolen check","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money was taken from your bank account on the wrong day or for the wrong amount","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Received a loan you didn't apply for","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Shopping for a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle was damaged or destroyed the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":795,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":792},{"key":"No","doc_count":3}]}},"company_response":{"doc_count":795,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":747},{"key":"Closed with non-monetary relief","doc_count":40},{"key":"Closed with monetary relief","doc_count":8}]}},"submitted_via":{"doc_count":795,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":795}]}},"company":{"doc_count":795,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"World Omni Financial Corp.","doc_count":668},{"key":"Siggi LLC","doc_count":74},{"key":"CashRepublic Holdings, Inc.","doc_count":46},{"key":"Blackhawk Network Holdings Inc.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"El Dorado Financial, Inc. DBA Omni Financial","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Omni AR, LLC","doc_count":1},{"key":"Omnipoint Capital","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":795,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":350},{"key":"GA","doc_count":130},{"key":"NC","doc_count":61},{"key":"AL","doc_count":44},{"key":"SC","doc_count":34},{"key":"TX","doc_count":25},{"key":"VA","doc_count":23},{"key":"TN","doc_count":13},{"key":"OH","doc_count":10},{"key":"CA","doc_count":9},{"key":"LA","doc_count":9},{"key":"CO","doc_count":6},{"key":"KS","doc_count":6},{"key":"KY","doc_count":6},{"key":"MD","doc_count":6},{"key":"NY","doc_count":6},{"key":"OK","doc_count":6},{"key":"AE","doc_count":5},{"key":"NJ","doc_count":5},{"key":"HI","doc_count":4},{"key":"IL","doc_count":4},{"key":"NM","doc_count":4},{"key":"PR","doc_count":3},{"key":"WA","doc_count":3},{"key":"AZ","doc_count":2},{"key":"CT","doc_count":2},{"key":"MI","doc_count":2},{"key":"MN","doc_count":2},{"key":"MO","doc_count":2},{"key":"MS","doc_count":2},{"key":"AP","doc_count":1},{"key":"AR","doc_count":1},{"key":"ID","doc_count":1},{"key":"IN","doc_count":1},{"key":"NV","doc_count":1},{"key":"OR","doc_count":1},{"key":"RI","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":795,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company disputes the facts presented in the complaint","doc_count":36},{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":26},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":19},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":795,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":197},{"key":"Older American","doc_count":27},{"key":"Older American, Servicemember","doc_count":8}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[19.717827,"6505288"],"3":[18.558546,"7290780"],"4":[17.59989,"3401563"],"5":[16.534325,"10782667"],"6":[15.543717,"6515558"],"7":[13.875595,"6148229"],"8":[13.594118,"7405739"]}}}