Carolina Finance, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 236XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CAROLINA FINANCE & {$7800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 230XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Carolina Finance LLC 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please provided proof of your claim XXXX I attached a copy of my credit report showing all on time payments up until job loss due to Natural disater over 3years no missed payment in a 4 year loan. Also payments were made late night but the system did not update until next day this is no fault to the consumer. Lastly no notice was ever sent via mail as we do not have online statemente all 3 creditors have different info regarding this account. It is not possible to be 60 days late in XXXX of 2021 good standing in XXXX and back 60days late in XXXX of 2021 A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
02/09/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23223	Web
I was provided a pay off amount on XXXX from XXXX XXXX by email. I made the payments and monitored the account via credit reporting because after this I was told The information could not be provided by email. It's always a hassle with this office. Based on information provided by XXXX credit reporting, I had balance of XXXX. I paid this amount off in 2 payments. I received a notice on my door stating I owed. I on XX/XX/XXXX. I emailed the office. On XX/XX/XXXX, that Monday, I received an email saying my account was not paid off. I spoke with XXXX XXXX on XXXX XXXX, who told me by account was not paid off. He then told me I owed another 1500+ plus dollars. I then asked for the payment history. He put me on hold and did not return to the phone. I called back and was put on hold again when I asked to speak with him. He never returned to the phone. I then asked for the payment history to be sent again. After not receiving, on XXXX I requested it again or to send me my titled. It was finally mailed out and it is now showing I owe XXXX not 1500.00+. I then informed them this could not be so and they had even reported to the credit bureaus I owed nothing and to send me my title because I did not owe anything else or it would have been included in the balance. This company also in XX/XX/XXXX repossessed my car with only one payment outstanding saying it was because I did not call the office and I had to have a cell phone number to keep in contact. At this time they told me that they had to put a tracker on the car and I had to pay for it as well or I would not get my car back. I complied n order not to be responsible for more storage. I needed the car and could not afford this absorbency.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
12/18/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27591	Web
On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. I don't want to have a repo on my credit if the car was released to me and in my possession. I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed payments.
07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 362XX	Web	Servicemember
This account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for Carolina Finance was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the Creditor, Carolina Finance took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. I received a Deficiency Letter from Carolina Finance in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, Carolina Finance is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. In XX/XX/XXXX, I contacted Carolina Finance at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted Carolina Finance once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.
06/19/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23060	Web
The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).
01/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NC 28146	Web
I bought a car in XX/XX/XXXX, it was financed through Carolina Finance in XXXX. In XX/XX/XXXX, we has a 2 day lapse of insurance, once I provided the insurance information to Carolina Finance, they still added insurance to my car totaling over {$2000.00}. After a debate, they reduced it down to half. That amount was paid off last year. There has been some embezzlement issues and some people were fired. I got a call last month from them stating that I was still responsible for the insurance. My car was double insured the whole year of XXXX because I had insurance and they charged me for insurance. My insurance broker Mr. XXXX XXXX @ XXXX XXXX here in XXXX NC told me that what they were doing was illegal and told me what I should do. So I am contacting you for help in this matter. I have the paperwork that they sent to me when I was finished with the payments, which tells me that I do not owe them anything. Since I told them that I had paperwork proving that they were wrong they told me last week that they were looking into the matter but have not come u with conclusion to this matter.
09/07/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 23518	Web
There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.
10/10/2017	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 278XX	Web
I purchased a vehicle from Carolina Finance in XXXX. Voluntarily surrender the Vehicle XXXX due to financial difficulties. My rep was XXXX. He agreed that I voluntarily surrender the vehicle which I did. He advised me the car would be auction off. the acct charge amt on my credit report is XXXX written off XXXX past due as of XXXX XXXX still reporting on my credit report. I contacted Carolina Finance on XXXX XXXX XXXX I spoke to rep XXXX in the XXXX branch she advised me after researching that there is no information in regards to me having an acct. XXXX transferred me to the XXXX branch, where I spoke to XXXX. Per XXXX there in nothing on file in regards to an account for me. she stated she was pulling up one Account with the name XXXX but social security did not match. I explained i was on my credit report she could not give me any other way to proceed about how she can help get this off my report with refusal to write the bureaus for me. XXXX XXXX XXXX
11/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA XXXXX	Web
I paid off my loan, per my contract and I 'm being told I still have a balance of {$2800.00}. No 'knowledgeable ' explanation has been given and the company has not provided a statement to indicate what these additional charges are for. I 'm unable to obtain the title to the vehicle since they 're stating the balance is not paid in full. The loan was satisfied in XXXX 2016. Since then, the company has decided to give me a new account number with this new balance, which they are unjustifiably claiming. For starters, the APR this company has charged is ludicrous. However I did agree to those terms on the contract. These additional fee 's they 're claiming, I DID NOT agree too. If this company is claiming I did agree, I need documentation to support that claim and validate these additional fees.
07/20/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 270XX	Web
I lost my job back i XXXX XX/XX/2020 I had given them a heads up about my payment that I wouldnt be able to make them in time due to me losing my job its been hard to find a job I have been working a full time job but only work part time due to its not very busy and it DONT pay much I told XXXX XXXX XXXX from Carolina finance I dont have enough I can make a XXXX a week till I get a settle job because is hard times for me right now, he said its not hes problem I dont have a job that the payment still have to get done, so I asked em how am I to find a job make what I was making when everything is close down due to the pandemic he said it is hes problem.
02/09/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NC 27616	Web
In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/XXXX.
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27104	Web
Please see attached copies of the - CAROLINA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX XXXX , NC- XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of 1 XX/XX/XXXX . Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX . I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
08/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29456	Web
Carolina Finance has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. Carolina finance has charged this account off.
10/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28227	Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CAROLINA FINANCE LLC and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
05/20/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22003	Web
In XX/XX/2018 I settled this debt with the company 's attorney XXXX XXXX XXXX ( after I had to file a CFPB complaint against them ). Recently a lender pulled my credit and this account is still showing that I owe money. They are also reporting every month as if I have missed a payment for over 2 years. I attached my email chain with the company stating that the payment was for a settlement in full and also that they received the payment.
09/08/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 24012	Web
I lost my job during Covid which I had for 24 years. I have been very open about this. I finally landed a Full Time job after working for a temporary agency for a year and half. I had to go 3 weeks before my pay days got squared away. When I called XXXX XXXX he talked over me and treated me very poorly and hung up on me. I almost have the XXXX loan paid off I only owe about XXXX more dollars.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29649	Web
The amounts are still fraudulent with no explanation? There is no explanation for fraudulent charges. I have video of day car was repossessed and charges and payments are fraudulent in account as well including last payment. Account was still charging fraudulent charges. There needs to be full investigation on overall account. I will be be pursuing further if no actions are taken.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28273	Web
I recently checked my credit report and saw that on XX/XX/2022 CAROLINA FINANCE , LLC ran my credit. That inquiry has caused my XXXX XXXX to decrease and I fear that my identity has been stolen.
07/03/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27519	Web
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14
12/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 278XX	Web	Servicemember
failure to file 1099-C Failure to follow GAAP ( Generally Accepted Accounting Principles )
07/30/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NC 27107	Web
THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE
07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 433XX	Web
Inquiry from this company never applied for credit
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29649	Web
Inaccurate information and reporting amounts
01/03/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33326	Web

04/18/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	VA 23113	Web

01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27295	Web	Servicemember

09/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23231	Web

07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 22407	Phone

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43326	Web

07/11/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	VA 23831	Web

06/28/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NC 27858	Web	Older American

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web

05/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27549	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23075	Web

12/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23234	Web

05/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27520	Web

05/04/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29681	Phone

04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27260	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23452	Web

11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29445	Web

03/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28217	Web

07/11/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 28532	Web	Older American

04/25/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28314	Phone

04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Web

12/06/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23320	Web

11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29449	Web

11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23851	Web

07/13/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WV 25813	Web

06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28227	Web

07/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28376	Referral

06/15/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 28448	Web

10/03/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NC 27616	Web

01/20/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23462	Phone