| 09/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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in XX/XX/2020 I noticed that my credit report showed 2 missed payments on my credit report from XXXX, XX/XX/2020. I filed a dispute with XXXX and XXXX in XXXX. I received a letter about a month later saying that the information was accurate. At that time I filed another dispute. I have never missed any payments or paid late. In XXXX I also reached out to CITIZENS SAVINGS AND LOAN XXXX TN and requested them fix the problem. They claimed they never reported that error on my credit. In XXXX, I received another letter from the credit company saying my dispute was closed and reported as accurate. So in XXXX, I filed a complaint with the XXXX XXXX ( XXXX ) I received a letter back from the corporate office saying that that had force placed insurance on my account because they did not receive proof of insurance but that once they received proof of insurance they credit back my account and that was where the problem occured. She said this issue had been corrected and a correction form was sent the creditors. So I went in and looked and indeed it was corrected. But 2 weeks later, by XX/XX/XXXX, It was now showing 3 months missed payments! So I contacted the corporate office directly and she denied any wrong doing and said she would resubmit the correction. A week later, by the second week in XXXX. My credit was fixed again. UNTIL FIRST WEEK OF XXXX. NOW IT IS BACK ON THERE AGAIN!! 3 MISSED PAYMENTS. No one is doing anything to fix this. It has been detrimental to our credit and prevented us from buying a house or ANYTHING! I have been fighting this for four months!
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| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Over two years ago, my vehicle was totaled and my full coverage insurance did not cover the remaining balance of the car loan. Then, because the car was still driveable and in overall good condition ( only the front bumper was messed up and the air bags deployed ) the loan company gave me the option to either hand over the car or pay off the remaining balance of {$1600.00}. Two years later, I am receiving harassing phone calls and visits to various addresses that were never provided to this collector. This collector has called my job multiple times and threatened my with arrest. He said that he will visit my house with a sheriff if I do not comply. Note that I have not heard from this loan company in over the years. Also, I called this man back about two weeks ago to try and figure out what was going on, and he told me he sent a letter in the mail explaining everything. I then told him I would read the letter when it came in and take whatever action I needed to solve the issue. However, I never received any letter yet the harassing phone calls have not stopped even though I told the man I wasnt paying any money until I read a physical letter because I believed the situation to be solved years ago when I handed over the vehicle.
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| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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As a secondary owner of vehicle financed through the company. Shortly after financing I was XXXX years of age. The co signer and First owner returned vehicle to loan company due to court order being in affect. Child custody order. Co signer and first owner returned vehicle due to having to turn it over during court of child custody. I called loan company and asked if can get possession of vehicle and continue to make payments. Loan officer advised me I could do that but if custody battle was hostile co signer did not have to turn vehicle over to me and could still possess title. Vehicle was never mine. Was only signed on loan to help build credit as I was starting out. I tried to take ownership of vehicle to keep credit in good standing. Loan officer advised me co signer would still get possession of title and vehicle if I made the payments throughout the loan. Was advised to appear in court to have my name removed from vehicle. Never received court date nor documents on when to attend. Would like this debt removed from my credit considering it has been several years. I have filed disputes and can not get the vehicle removed from credit report.
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| 07/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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I recieved a loan from citizen saving and loan in XXXX Tennessee for around {$2000.00} around the year XXXX. I have had unfortunate circumstances throughout paying this loan but in spite of circumstances I always kept in contact with store to let them know when I will make payments or to Request extension. Due to extensions loan is past maturity but in spite of this there is an VERBAL agreement to make a final payment of {$100.00} and the remaining fees would be waived, never being reported late according to district XXXX XXXX XXXX. The XXXX at the store in XXXX Tn XXXX XXXX ) seems to be prejudice and is very very rude and I believe this is a form of retaliation due to my race. I only have {$100.00} to pay this off XXXX of XXXX and never recieved a 30 day late on my credit report in all of this time having this loan Until now towards the end of the loan.
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| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I discovered that this company had done two hard inquires on my credit without authorization. I have not applied for a loan from them since XX/XX/XXXX or XX/XX/XXXX, The company name is, Citizens Savings & L Inquiry from XX/XX/XXXX Citizens Savings & L Inquiry from XX/XX/XXXX
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| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Citizens savings and loan has pulled hard inquiries on my credit report without my consent 6 times since XX/XX/XXXX to XX/XX/XXXX.
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| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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| 04/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 04/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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| 12/30/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 05/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Referral |
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| 06/25/2013 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 03/05/2013 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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