Conn's, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75070	Web
XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308 C/O XXXX XXXX XXXX . XXXX, TX Re : Conns XXXX ATTN : FRAUD DEPARTMENT XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Customer # : XXXX To Whom It May Concern : I have received a letter stating that I cited fraud on this account. I did not cite fraud on this account. What I cited was the following : Please be advised that there is negative information being reported on my consumer report by your company, Conns XXXX, without disclosure options extended from your company to me, the consumer, nor does Conns XXXX have my written consent to be reporting the transactional, experiences, or any history, etc., on my consumer report : 1. Conns XXXX Account # XXXX My Fair Credit Reporting Act and Consumer Rights have been violated. The Conns XXXX account listed above has violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things. Upon reviewing a copy of my consumer report, I challenge the accuracy, compliance and reportability of this account which you have fraudulently listed on my consumer report. Conns XXXX has violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Conns XXXX has aided the consumer reporting agencies in the violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Simply put, this consumer law states the following : A Financial Institution MAY NOT, directly, or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures : 1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party. 2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party. 3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION! All 3 Consumer Reporting Agencies are non-affiliated third parties!!! I am sure that none of the Consumer Reporting Agency have any disclosures on file from me stating that I have given any of them permission to receive information from a 3rd party or for your financial institution to report anything to this 3rd party. I, XXXX XXXX XXXX, as the consumer, was not provided with any disclosures at all from Conns XXXX, yet Conns XXXX has access to my consumer report to state what they wish. You were allowed access to my consumer report to extend me my own credit per federal law however you were not granted permission to live on my consumer report. I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION. I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information. This means that if the Conns XXXX furnishes anything on my consumer report to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act. Conns XXXX DID NOT have my written consent listed on your files for me saying that anyone can send any type of history to a third party. Conns XXXX can not provide me with my LAWFUL WET SIGNATURE proving that you have my written consent to disclose any transactional history or anything else, yet Conns XXXX has accessed my consumer report WITHOUT my written consent!!!! This fact makes Conns XXXX also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters. 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Breakdown for your understanding : Conns XXXX may only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS. I am the consumer to whom this FEDERAL LAW relates! Conns XXXX has also aided the consumer reporting agencies in this violation of this Federal Law listed below also : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE! Conns XXXX has aided the consumer reporting agencies in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Breakdown for your understanding : 1 ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system. 2 ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on the companies that report as well as the consumer reporting agencies reporting system. 3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And Conns XXXX has the responsibility to respect my privacy with Fairness and Impartiality. I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this ties together. Conns XXXX has aided the consumer reporting agencies in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Breakdown for your understanding : 1. The term consumer report is what most people call a credit report. 2. The person making the report is the company who reported the charge off or collection to my consumer report. 3. I AM the consumer. 4. Transactions are all forms of transactional history! That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc. are all forms of TRANSACTIONS! 5. Utilization is an EXPERIENCE created by credit usage. If I dont use a credit card ( s ), I wont create an experience. However, when I use my credit card ( s ), I, the consumer am creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ). TRANSACTIONS & EXPERIENCES reporting on my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress. Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL! Conns XXXX has also aided the consumer reporting agencies in the violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy! How is this account from Conns XXXX on my consumer report reporting to maximum accuracy if I did not receive any disclosure options, or give Conns XXXX Permissible Purpose or give Conns XXXX my written consent to disclose any of the transactions, Utilizations, or history? I want you to understand this. Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft! Its identity theft because Conns XXXX has illegally placed a collection/charge off on my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so. Conns XXXX has also aided the consumer reporting agencies in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felonious act. Conns XXXX was not provided with my written consent per FEDERAL LAW for permission for your financial institution to have access to my consumer report. I hereby put you on notice : I DID NOT GIVE Conns XXXX WRITTEN INSTRUCTIONS to report THIS ACCOUNT MENTIONED ABOVE TO MY CONSUMER REPORT! Conns XXXX can not produce a disclosure that you were to provide to me, and you can not produce anything with my WET SIGNATURE showing that you had or have my consent to continue to unlawfully be on my consumer report. Due to Conns XXXX willful noncompliance and negligence Conns XXXX has not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY! In Conclusion, you have been put on notice about violating my Congressional given FCRA rights by not providing me with any disclosures as required by FEDERAL LAW and illegally reporting to my consumer reports WITHOUT MY WRITTEN CONSENT! Please be advised I am sure that Conns XXXX has gotten a kickback from the I.R.S. regarding this account. I never received a 1099C or Copy B from your company regarding this account. What I am considering is that if this account which has been reporting unlawfully on my consumer report, is not removed against my copyright name, I will report Conns XXXX to the I.R.S. using the 3949-A form for Tax Law Violations. You know that the I.R.S. loves a good audit because they typically find things that was once accidently overlooked. Being that the entire United States has been up under a complete bankruptcy since 1933 and there is no lawful money, all the consumers debts are to be discharged to the United States per 18 U.S. Code 8 - Obligation or other security of the United States. Lawful money is considered gold and silver which we do not possess. Conns XXXX has been stealing not only from the Consumer but also from the United States Treasury and the United States Government. Please note that, The United States Code 12 U.S. Code 1431 - Powers and duties of banks explains the powers that financial institutions, banks, and credit unions have, and nowhere in this Federal Code written by Congress, does it state that financial institutions, banks, credit unions, etc. have the power to lend! This code does not state that financial institutions, banks, credit unions are able to lend simply because your financial institution does not have the power to lend!!!!. GAAP also advises that financial institutions do not have the ability to loan its own assets which begs the question of Where did the money you claim to have loaned me come from? It did not come from Conns XXXX or its affiliates. If you continue to report this account on my consumer report I will have no other choice but to sue Conns XXXX for the securities fraud it has committed against me. In the meantime, this account needs to be deleted from my consumer report because Conns XXXX did not provide me with any proper disclosures, and Conns XXXX does not have my written consent to disclose any transaction history, experiences, payments, etc.to any third party or affiliate to any of my consumer reports per : Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. No transactional history should be reported on my consumer report for Conns XXXX. This violation needs to be deleted. Conns XXXX is in clear violation of 15 USC 1681 and all of its subsections. Conns XXXX is also in clear violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I should have never had any sort of debt when all of the consumers debts are the obligation of the United States according to 18 U.S. Code 8 - Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Delete this account referenced from my consumer report IMMEDIATELY!!!!! DELETE Conns XXXX listed on my consumer report. Your company is in violations of Multiple Federal Laws : 1. Conns XXXX Account # XXXX Failure to respond satisfactorily with the deletion of the above referenced account will result in legal action being taken against Conns XXXX, for which I will seek {$1000.00} per violation or more if I take this matter in front of a FEDERAL JUDGE : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. XXXX XXXX I hope you understand the severity of the situation. Thank you in advance. XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308
09/23/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 761XX	Web
I purchased a couch, loveseat, cocktail table, end table, and a vase ( the vase was a " Must '' or my delivery would cost over {$100.00} ) XX/XX/XXXX. When the delivery came on XX/XX/XXXX they delivered two cocktail tables, couch, and a loveseat. I explained to the delivery drivers I did not order tow cocktail tables and the refused to take one back and told me I would need to contact customer service to resolve this. I called the store on XX/XX/XXXX and was told by store manager that was working that day the salesman made a mistake and put two cocktail tables and the that is when this miserable, stressful issue began. I explained I was leaving for California the next day and the manager ( XXXX I believe ) said she was very sorry and would make sure everything was fixed and corrected so when I returned from California the new contract with the correct merchandise on it would be ready for me to sign. I left for California on XX/XX/XXXX early and returned back from California XXXX XXXX, XXXX at XXXX XXXX. I called the store and talked to another XXXX ( there were two at this location ) and she said nothing had been done about correcting the error so she would have to get back with me which that never happened, I had to always do the follow up until that part was done when they actually created a contract that I did go and sign and said the delivery guys would be there to pick up the cocktail table and bring my end table. I was told even though it was an error on Conn 's behalf they could not do any special delivery so I had to take off work. The first attempt when I took off work the delivery guys did not have the end table on the truck, the 2nd time I had to take off work and waited all day and called to get updates through the customer service number and was told my end table was on the truck but my time got pushed to later in the evening but it would be delivered. I waited and waited. I called at XXXX XXXX and was told there was an error, my end table wasn't on the truck after all and I would need to call back and set up another delivery to be put in the random delivery rotation and there was no way for anyone to tell me a time frame until the night before the delivery was scheduled. I took off work a 3rd time and waited and waited calling and calling only to learn the driver said he was to pick up the cocktail table but he had nothing noted that he was to drop off an end table. I advised they would not get the cocktail table until I get my end table. I had to call again to set up another delivery appointment and still not able to get it delivered when I was home. I explained to the customer service center I was not able to take off work anymore and I was told there was nothing they could do and I would need to keep setting the deliveries up until I landed on one where it was in the evening and I was home, which is exactly what I did. There were several deliveries I set up but the ones that I had to cancel were during work hours and I already had used 3 vacation days trying to get this resolved. Conn 's would not accommodate my availability to deliver when I was home even though it was an error on their part. Once I received my end table and the extra cocktail table was picked up by the Conn 's delivery driver I had to call Conn 's myself and make sure they did get the confirmation the cocktail table was returned and to let them know I had the end table I ordered to begin with and this was confirmed as complete and that old contract would be voided out. When my car insurance had to be renewed I noticed a HUGE increase so I called and was told my score was a lot lower than the previous 6 months so it raised my car insurance from around {$120.00} to {$170.00} due to Conn 's reporting the wrong account to my credit as a brand new loan and over 30 days late. This is about the same time XXXX XXXX notified me via email my FICA score dropped drastically and when I found out it was Conn 's that did this to me it all made sense. They did not do what they were supposed to do. The Conn 's account ending in XXXX with a purchase price for all furniture pieces {$2200.00} was the account reported to the credit bureau a first payment default and over 30 days late that was due in XX/XX/XXXX but this was the account I was told would be voided due to the error. Conn 's created another account with the correct merchandise on it ending in XXXX, contract purchase amount for this account is {$2200.00}. During all this back and forth on the phone holding for hours ( with all the times I called the hold times were long at times, this went on for a month or so ) I was frustrated, irritated and headaches were normal for me due to all the stress this was to try and rectify a situation that was not even any fault of mine but I had to do all the follow up to ensure I got what I ordered and the old account was closed with the new one opened. I had a CEASE AND DESIST on my account since I continued to get calls trying to schedule a delivery that already took place and got so tired of all the calls so I said I wanted a CEASE AND DESIST put on my account. That did no good, Conn 's just started calling my home number trying to deliver which the delivery was completed at this time then the collection calls started. I did verify Conn 's reported me over 30 days late for the account # XXXX XXXX the account that was supposed to be closed due to their error XXXX but it wasn't. On XX/XX/XXXX @ approximately XXXX XXXX I received a call from XXXX ( employee # XXXX ) advising she was collecting a debt and asked me how I would like to take care of my balance and this was the 2nd validation Conn 's did not close that old account out. XXXX listened to me as I told her all that took place and she said she reviewed the notes as she apologized over & over again due to all I had been through and said she can see this is a mess. She said the total for this account she was collecting on was {$2200.00} but Conn 's credited {$1900.00} leaving a balance owed {$340.00}. Our conversation went on about this account that was not handled properly and we spoke on the CEASE that was on my account, her words were the Cease and Desist was only to my cell phone # and I explained to her a CEASE/DESIST is on ALL numbers related to that account she said she wasn't aware of that being a part of the FDCPA and UDAAP Regulation. We also spoke about the FCRA Regulation and I did explain to her any merchant that reports to ANYONE 's credit has the right to do so however it MUST BE accurate reporting in which Conn 's obviously report incorrect on my credit in which caused me harm due to me getting turned down for other credit and this was huge as far as against the federal regulations to do what Conn 's has done to me. She said she would make sure my account was transferred to a manager and she would create a case to have this account looked into to see why its showing open and if its validated the account should not be open the team that handles these types of complaints would get this closed out and the credit bureaus updated accurately but in the meantime there was nothing else she was able to do. She did say the account that was created after the correct merchandise was delivered to me has a payment due XX/XX/XXXX. XXXX transferred me to a manager XXXX XXXX, he said the same as XXXX as far as what he was able to do to rectify the situation and said they had to do their research to confirm this account should not be open. This really once again was so frustrating now I am being harassed over a bill that is not mine or any part of my mess up and felt like I was some sort of thief or deadbeat because what I was telling them had to be researched. I asked if there are notes in the system since I called so many times and he said he see 's notes but they still have to open a ticket and research to be done. He said I would need to follow up and I said why cant they call me even with a CEASE on the account if I am requesting a call back to rectify a complaint I have its ok to call for that purpose. He did advise I would need to be the one to follow up. This entire issue has take A LOT of my time and caused XXXX XXXX and more. This is the absolute WORST experience I had in years with a purchase. I did advise XXXX something needs to be done rather its to void out what balance I have for the new account or something since there are all kinds of regulatory violations in so many different ways. He said there was nothing he could do about that but create the case and have it researched. He continued to say for me to follow up with them in a few days to see where this case is and if its resolved. He said he could not promise I would get a call from any senior management but he would put in a request but again, no guarantees. This is a HORRIBLE way to treat a customer and I would like to see Conn 's take ownership of what they have put me through and compensate for all the duress, irritation, frustration, XXXX XXXXsXXXX XXXXs and so much more. Conn 's has done absolutely nothing to help me out in anyway. I missed 3 days of work NO PAY and I have been penalized by having to pay approximately {$50.00} more every month on my auto insurance and was denied credit to another creditor due Conn 's neglect in handling the account that was messed up by them. I would like both accounts to a XXXX balance and my credit fixed. I feel all I have been through and not only turned down and my auto insurance being raised due to this but I feel so humiliated with what Conn 's has put me through and continues to put me through. I have worked so hard on repairing my credit since XXXX. This has been hard on my health as well having to deal with all this and we are in XXXX and Conn 's is still haunting me with collections calls on a CEASE account, inaccurate credit reporting causing me to get denied for credit, costing me more money monthly since my auto insurance went up and all this bring a lot of agony/pain that I have to go through and continue to go through. I would like any assistance I can get with this company. They do not want to take any ownership of the error they made and trying to put it all off on me like I am the one who messed up since I signed for the two cocktail tables and did not want to listen when I explained to them the delivery drivers told me they will not take that cocktail table back and I would need to call customer service to rectify the error in which I did. Thank you for your time in this matter and I look forward to hearing from someone from CFPB.
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts XXXX, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Conns credit co- over XXXX XXXX XXXX reporting as open even though its charged off. Not a business in Louisiana and also been over 3 years. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
06/24/2021	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	OK 730XX	Web
Conn 's XXXX XXXX has reported to the credit bureau that I was late on payments. XXXX credit report shows 3 late payments and XXXX shows 2. I contacted Conns on XX/XX/XXXX I called the number listed on the credit report, XXXX, they said they were going to do an internal credit dispute and would call me back on that Friday. Instead of a phone call I received a letter saying everything was accurate. The letter was dated XX/XX/XXXX. After receiving the letter I called the number listed on the letter, XXXX. I spoke with Chance in customer service ID # XXXX. Chance told me that if I had a discrepancy that they could look into it. I said that is why I am calling. Im calling back in response to the letter Conns sent in regards to the credit bureaus dispute. Chance had no clue as to what was going on. I asked to speak to someone who could help me and he said that was him. That if something is not right with the credit bureau then I need to send them a copy of my credit report. I asked why. His response was to compare to their records. I stated again that their records and my credit report say the same thing and I am trying to tell Conns it is not right. Chance then stated that I could send both reports in and they would fix it. I asked how he was going to fix it. He stated that they would adjust the credit reports to match their records, which includes changing the credit report that shows 2 late payments to 3. if that is what my account shows. Again I stressed to him that my payments were deferred. He said it shows that the last call in was on XX/XX/XXXX and they do not do more than a one month deferment. So the records are correct. I stated that is not what I was told on XX/XX/XXXX. That my account shows that I had been current then I got a 6 month deferment then paid it off. Then he stated that I was late for XXXX payment. When I called in on XX/XX/XXXX XXXX had not been paid and my due date is on the XXXX of each month and I was granted a deferment for XXXX and XXXX. I asked how could you defer 2 months at the same time when you said that you can only defer one month at a time. His response was something to do with it having already been billed. I was getting no where with Chance. I continue to ask to speak to someone else. He said that he could email the loan services team or I could email them but they do not have a number to be reached at. I called back on XX/XX/XXXX. I got to thinking of the reason we even deferred our payments were because of COVID and a loss of income. I did some research and found that under the Cares Act the Fair Credit Reporting that states : Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies. Section 4021 provides that an institution that makes an accommodation with respect to one or more payments on a credit obligation or account that is subject to deferrals or forbearance agreements because of the COVID-19 pandemicand the consumer makes the payments or is not required to make one or more payments pursuant to the accommodationmust report such obligation or account as current or as the status reported prior to the accommodation. That is, accounts that were current before accommodations would remain current during the relief period, irrespective of any accommodations, while delinquent accounts before accommodations would remain delinquent, unless brought current by the consumer. I made Conns aware of what I found and still no help. Telling me I was late after the deferment. On XX/XX/XXXX, I called both numbers I had called previously trying to get a hold of the loan service team or someone who could help me. One person transferred me to the billing department in which he said he could not help me because my account had been paid off. One lady in a department said that I had got 3 months deferred, XXXX, XXXX and XXXX. ( This goes against what Chance said ). Then I got transferred to XXXX in customer service, ID # XXXX. After a long conversation with XXXX. He tells me that my due date is on the XXXX of each month and I got a 3 month deferment for XXXX, XXXX and XXXXI stated again that we were told 6 months. Why would we have no 30 day late payments, then ask for a deferment, not pay 2 to 3 months according to their records, then pay it off on the 6 month. XXXX response was their records are correct and they can not help me and I would need to dispute with other agenicies. I contacted the state department of consumer credit. He researched it and got a response from Conns. He said that he could not help me due to it regarding my credit report and referred me to CFPB. In the letter and payment history they sent to department of consumer credit I am perplexed by some of their responses and records. In the letter they state : 1. As a reminder, Mr. XXXX may contact Conns regarding questions about the purchase by calling our Customer Service Helpdesk XXXX XXXX, or on-line at www.conns.com. Our investigation reveals that : 1. Mr. XXXX account was current until XX/XX/XXXX ; However the account is not due till the XXXX. They even stated that see below statement. On XX/XX/XXXX Mr. XXXX requested that the due date be changed to the XXXX of each month. Conns processed that request. 2. On XX/XX/XXXX I called in and requested a deferment for the account that was only 7 days past due. They granted and said that it was till XX/XX/XXXX. I know I was told it was a 6 month deferment but lets just roll with XX/XX/XXXX. My next payment would be due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, I paid the account off in full on XX/XX/XXXX. So I would technically only be late on XXXX payments. XXXX shows 3 late payments and XXXX shows 2. Sadly there should not be any. According to the Cares Act if a business negotiates an agreement and their account is currently reported in good standing then the account has to continue to be reported in good standing. 3.On the payment history page under current loan information on the far right it shows the following : Number of Deferrals : 1 Last Deferral Effective Date : XX/XX/XXXX At the top of the page it shows request date of XX/XX/XXXX at XXXX. I dont see how they are saying their information is factual when the documentation they provide does not match to what they said or to other documentation. Since XXXX I have had 5 accounts with Conns. The other 4 accounts have all show good pay history on credit report. Total amount of business I have given them is over {$17000.00} and they are not willing to help.
01/19/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75024	Web
Dear Sir or Madam, XXXX. CONNS Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with CONNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/15/2021	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 Was not notified of investigation status or results	TX 75227	Web
Dear Sir or Madam, 1. CONNS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with CONNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
12/02/2021	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 Was not notified of investigation status or results	TX 75217	Web
Dear Sir or Madam, 1. CONNS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with CONNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/08/2021	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 Was not notified of investigation status or results	TX 75115	Web
Dear Sir or Madam, 1. CONNS Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with CONNS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Iowa XXXX
11/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75237	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 ( s ) 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 XXXX 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 XXXX of the XXXX XXXX : SEC.312XXXX XXXXrocedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 6XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 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. 1. CONNS bal. {$2700.00} 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. 1.Block. 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 four ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75229	Web
XXXX : 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 METRO 2 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 XXXX ( XXXX 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 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. CONNS bal. {$920.00} 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 XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONN APPLIANCES INC bal. {$3900.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	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 ( s ) 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 XXXX 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), 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. 1. CONN XXXX INC bal. {$4500.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75149	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 ( s ) 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 XXXX 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 XXXX XXXX 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the XXXX 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. XXXX XXXX XXXX bal. {$3800.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/01/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	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 ( s ) 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 The 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONNS bal. {$3400.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. 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 ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77385	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 ( s ) 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONNS bal. {$960.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXXy, Iowa XXXX
01/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 74133	Web
I contacted Conns on or around XX/XX/XXXX ( a few days before my payment was due ) to let them know I had been laid off and I wanted to see if there was a program to help me be able to maintain good standing with them. I advised I would not have the money to pay the $ XXXX monthly payment that month. I was told by the call center that they allowed people to defer payments until the end of the loan and this program would enable me to pause payments until XX/XX/XXXX without affecting my standing with Conns or my credit report. The only catch was I had to wait until I missed my actual payment and then call. I asked the agent if I would have to pay anything and he again said they would just extend the loan and defer payments. I was really grateful and thought I understood because of the student loan payment deferral processit sounded the same. I was relieved because I told him I didnt have any money to put towards it and didnt want to get behind or have it affect my credit. I was assured once they started the deferral it wouldnt show past due or missed payments. So I called back a few times between then and sometime around XX/XX/XXXX at which point I was told you actually have to wait until your bill cycles and youre like 30 days past due not just missed the due date on the bill. So again I waited. During that waiting period I received lots of texts and emails and calls ( where no voicemail was left but Id get calls like XXXX times a day ) and information saying I could easily get caught up by making my paymentbut they already knew I was laid off and didnt have money. I was also sick and stressed and trusted I was good because I was told that I would put on the deferral. I called a few days after XXXX to make sure it was enough time. At this point the person informs me I am XXXX days past due and owe like $ XXXX and XXXX cant defer a payment without making a payment that was almost the same amount as my missed payment. They requested like {$170.00} something and I told them if I had that amount of money I wouldnt have been behind on my payment anyway. I advised I was still unable to find a new job due to the type of work I do not hiring during the holidays. I wasnt given any reason why I wasnt told about the payment. I asked why I was unable to get on the deferral without a payment when I was told I had to be past due. There are no clear answers and XXXX told they will not stop calling me unless I schedule a payment. I agree to make a full payment on XX/XX/XXXX because I know I will be able to do so at that point. They told me it had to be much sooner. So I agree to make a of {$30.00} on Tuesday XX/XX/XXXX because I know I will be able to come up with that amount by then. They then ask for which debit card they can draft it from and I tell them I dont know because my accounts are overdrawn and I dont know which one will be easier to get current to give them the money. They said without giving them a card number to draft it from they wont be able to stop calling me. So I asked them to notate the account that I would pay {$30.00} on XX/XX/XXXX and promised to call back. When I called back today XX/XX/XXXX I was told that I needed to pay almost the full payment amount and I owe $ XXXX dollars even though XXXX still only XXXX something days past due. They tell me to get on the deferment I need to pay like {$180.00}. I asked why it was more than the other day and was not given an answer. I told them I was confused why they didnt count my XXXX payment as the start of deferral and asked why I had to get behind in order for them to work with me. I mentioned I had always had a good history with them ( it had been around 16 months since my first payment and I had even paid extra towards my loan ). I asked if we could speak with a supervisor to override what the system was asking and they agreed to but came back again saying they couldnt and I needed to essentially make a full payment to get on the deferment. XXXX nervous that after the date passed for my XXXX bill they will tack on even more fees. Ive advised again and again that I want to make an agreement. Ive lived up to every agreement Ive made in this process and paid the {$30.00} today. I advised I would try to call back and pay {$20.00} on Tuesday the XXXX of XXXX. I was told again that it wasnt enough for them to work with me. All of this is radically different to what I understood from my first few calls to their department. It feels like I was tricked into complacency so they could add on late fees etc. I tried to get ahead of this before it became a problem and I was told they couldnt do anything until I was past due and I was told on XXXX different occasions that I wasnt behind enough for them to work with me on a plan and then they changed what they said and told me I would have to make a payment that was like 90 % of what my normal payment was to qualify for the deferment and the fees keep stacking up. Now my credit is being affected and XXXX getting non-stop calls and texts and emails that mention theyre willing to work with me but theres no actual offer to work with me to protect my credit. I am stressed to the XXXX and feel like they are spending more money pestering me than they stand to gain from me agreeing to pay their deferral plan entry fee that I wasnt advised of. It doesnt even make smart business sense to go after someone so aggressively when I have been reaching out to them before this became an issue to try and resolve. I dont understand why companies are allowed to make someone become delinquent before they can make an agreement. It feels very predatory to wait until someone is so stressed out they have a hard time processing the rapidly changing information they are given.
12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	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 ( s ) 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 The 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONNS bal. {$2400.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	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 ( s ) 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 The 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONNS bal. {$0.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75237	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 ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 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 , 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 The 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), before the end of the 30-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. 1. CONNS bal. {$0.00} 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 ( 2 ) Block of information resulting from identity theft. 1.Block. 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 four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/28/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	AZ 853XX	Web
This is not the first time I have experienced this disruption in the process. Buying a warranty with Conns is a scam. Once you move through the process and they have to deliver on their behalf, you get the run around. I paid {$340.00} for a 4 year warranty. I am only 2years into the warranty and the product is beyond repair. Im not sure if they are making it personal or what but I have been more than patient with them and only now becoming angry. This has been an ongoing issue for almost a month ( officially a month on XX/XX/XXXX ). I have asked for supervisor call backs and have not received any. No courtesy call to assure me they are working on it and why there is a delay. Im reasonable, but nothing has been done. I will continue to call every day until this is resolved. I make payments on this TV monthly. Is not right that a company wants me to keep my end of the bargain by making monthly payments but does not want to keep their end of the agreement by providing an insurance service I paid for. INITIAL CALL on Wed XX/XX/XXXX. I set up my initial call with Conns for a TV repair. I purchased a 4 yr warranty at {$330.00} and wanted to use that service. The rep setup a tech to come out to my home on XXXX XXXX. XX/XX/XXXX Called the office to report that a tech never showed. The rep told me that your appointment was setup on XX/XX/XXXX. I explained that it was setup for the 2nd and she explained that that visit was cancelled because the previous rep setup the appointment as over the phone. I expressed I took off of work today and no one reached out to me to reschedule. That was an inconvenience. She apologized and kept the appointment for XX/XX/XXXX. She also confirmed that I was setup for text messaging alerts. XX/XX/XXXX I called to verify if the repair tech was coming and they assured me that he was. The repair tech came by to look at the television. He came to the conclusion that he will need to change the power panel. He also went on to say the tv consisted of 3 panels in back. Its hard to determine which one it could be. He said he would place an order for the part. He set up to return on Friday XX/XX/XXXX to complete the replacement. XX/XX/XXXX The repair tech came by at XXXX to replace the power panel only to discover the tv was still unresponsive. He explained it may be the main power panel and will need to place an order for a replacement panel. He set up a new appointment for Wed XX/XX/XXXX. XX/XX/XXXX The repair tech returned with the main power panel to replace. Once completed, he reported that the tv is still unresponsive. He also continued to explain that the remaining panel the hasnt been replaced is discontinued and cant be replaced. He said he will be submitting a request to replace the tv based on it being beyond repair. Someone should be reaching out to you by Friday to go over the details XX/XX/XXXX Called to get an update on the request and the rep advised the request was just submitted on the XXXX. It usually takes 3 business days for processing. She said you should be getting a call by Tuesday of next week. XX/XX/XXXX - Rep advised the repairmen submitted the request for the TV replacement on XX/XX/XXXX. She advised the process takes 3 5 business days. I should receive a call no later than XX/XX/XXXX. I asked for a supervisor and she explained it will be 24 to 48hrs so I agreed to it. XX/XX/XXXX - Day 6 Business Day - Spoke to Rep to get a confirmation of whether I will get my television replacement number. Rep advised there was no decision made yet but she sent an email to the tech managers to get an approval. The response usually takes 24/48hrs. I should hear something soon. XX/XX/XXXX Spoke to Rep to get an update on my television replace approval. Rep advised there was no answer, but he will reach out to the Manager Tech in charge. The rep gave me a ticket number to verify the manager has received XXXX email requesting an approval based on my order exceeding 3-5 bus days XXXX. Ticket Number : XXXX XXXX advised me to call tomorrow if I had not heard anything back. XX/XX/XXXX spoke to a rep he advised that the request was put in on the XXXX and there was a note for a follow up on the XXXX. He also made a comment, that he has never seen it take this long. I told him that I was advised there was 3-5 business day processing time for an approval and it is now over that XXXX. He placed me on hold to further research. He came back to advise that he added all of the Tech Managers to the email to ensure someone would respond. He said I should be receiving a phone call by the end of the day. XX/XX/XXXX XXXX CST XXXX MST Spoke to a rep I explained that a previous rep I spoke to earlier today advised that they sent an update to all of the managers. I wanted to get an update to see if they are working on the request. He placed me on hold to research. Came back to say the request was put in on the XXXX. I interrupted to advise that I called on the XXXX because I was promised a response and did not receive one. The repairman and 3 previous reps confirmed with me that the request was received on XX/XX/XXXX. He responded he was not going to argue with me and he explained they have not made a decision and asked what did he want me to do. He followed with suggested transferring me to Customer Service to file a complaint. Call was dropped when he transferred me. Called back and spoke to XXXX - she couldnt even find a service for the tv repair at all. I had to ask her to continue to look because I made contact with this dept numerous times before over the past month. I asked to speak to a supervisor and she transferred me? It was just silence for over 10 minutes.
11/28/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	TX 77433	Web
Hello, I am contacting you as a last ditch effort from a consumer who has been given the run around, stressed, lied to, harassed, intimidated and overcharged by Conns. On XX/XX/XXXX I went to Conns to purchase a XXXX washer/dryer pair using Conns credit. Total cost for the appliances, warranty, insurance ( which I was told was required ) delivery, and tax was a little over {$2000.00}. Overall I was happy with the purchase and had no issues with the appliances nor Conns service. On XX/XX/XXXX I decided to go back to Conns to purchase a mattress set for my daughter. This is where the problems began. My total cost of the mattress, delivery, insurance ( that again I was told was required ) and tax came out to {$800.00}. My bill for the washer set was due on XX/XX/XXXX, however the salesman told me that since I was making the new purchase so close to the due date, this will push out the XX/XX/XXXX payment of {$60.00} ( estimate ) and the next bill will not be due now until XX/XX/XXXX and will include both purchases totaling {$99.00} ( estimate ). I was also told that I can have the insurance cost removed by submitting a copy of my own personal renters insurance, and the same thing applied with the washer purchase and I should have been made aware of this. Less than a week after making the last purchase I started to get emails that my payment date was approaching. On XX/XX/XXXX, the harassment started. I started to get calls multiple times just that day, emails, and text messages that my payment was late. I contacted Conns to see what was going on, the said to disregard because it takes 2 weeks to merge accounts and they just were not merged yet. The harassment continued. I waited 2 weeks, called again and was told they knew nothing about a merged account and that I made 3 purchases in total for a grand total of about {$5000.00}! I escalated this call, was told they will correct it and it will be corrected within a week. As of today, 3 months later, nothing has been corrected. I have spoken to countless reps, supervisors, managers. There have been over 50 conversations between Conns and myself with ZERO resolution. I have been promised several times this was going to be resolved within 72 business hours with no resolution. I was even told at one point that there is no actual billing dept, and that customer service handles calls regarding billing issues, yet 2 days prior was told my info was sent to billing for a call back because they dont take calls. I am receiving over 10 calls a day from Conns regarding my late account, yet based on the payments Ive made towards the acct that has both purchases on it, I am current. In XX/XX/XXXX, we were affected by Hurricane Harvey. I contacted Conns and asked if they were doing anything in regards to the accounts in the regions affected my the hurricane. They said they can take a payment of {$30.00}, and this will cover the XX/XX/XXXX payment, no late fees will be assessed and I will not be due the regular payment of {$99.00} until XX/XX/XXXX. I accepted and paid the {$30.00}. I made my XX/XX/XXXX payment of {$99.00} on time. I made my XX/XX/XXXX payment of {$99.00} on time. Each time I call, I am told that I never made a payment for XX/XX/XXXX. I explain that there have been no missing payments, the reps ALWAYS catch an attitude with me, insinuate that I am lying, then after quite a bit of back and forth, they eventually later see the XXXX payment was applied to the old account. I am receiving mail weekly, emails daily, texts daily. The harassment has not stopped. I have been told that payments that I have made, were never posted to the acct, yet after further digging, they always happen to find them! Typically an interaction with Conns starts out with several ( usually at least 4-5 ) calls that I ignore in a single day. Then a text message and email follow shortly after alerting me that my payment is past due and will incur late charges. I then call the number back on the text, am answered by a Collections agent, who replies Thanks for calling me back XXXX. This is an attempt to collect a debt. Your account is overdue by {$190.00}, how will you pay that today? I respond that I will not be making a payment because my account is current. They then ask me to verify the account, which I would think should have been done before releasing any account balance info, by providing my social security number and DOB. After explanation, they transfer me to customer service. I then go through the whole issue again with the next rep, who usually argues with me about lying that I have made a payment. Once they find the payment, they never apologize, just say they see the confusion and will escalate the issue and everything will be resolved within 72 hours. The next day, the calls and emails and texts start to arrive again, and I call in and the whole cycle starts all over. This has been happening for over 90 days. I have been told that due to being a hurricane victim, I was not supposed to be asked to pay {$30.00} in XX/XX/XXXX. I have been told that there are late fees being added to the account due to the missing XX/XX/XXXX payment. I pulled my credit report last week and see that Conns has fraudulently reported 30+ day late payments to the bureaus. I also incorrectly have 2 open Conns accounts on my credit report. My credit score has been impacted due to their carelessness.
08/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85286	Web
I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been discriminated against and defamation by CONNS APPLIANCES INC. CONNS APPLIANCES INC ACCT # XXXX, ACCT # XXXX ACCT # XXXX Starting in XXXX I have written CONNS APPLIANCES INC multiple times letting them know about the DISCRMINATION AND DEFAMATION furnishing negative information `` late payments charge off '' Under the. TRUTH IN LENDING ACT looking at FINANCE CHARGE and BILLING ERRORS DISPUTES ON THE CONNS APPLIANCES INC accounts. They are furnishing negative information " late payments charge off '' and have been furnishing negative information " late payments & chargeoff '' on my consumer reports they have been tarnishing my name and painting a very bad picture of me DEFAMATION prohibiting my opportunity 's to extend credit and operate in commerce. UNDER TRUTH IN LENDING ACT 15 USC 1605 FINANCE CHARGE defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable DIRECTLY or INDIRECTLY by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable. UNDER TILA BILLING ERRORS 15 USC 1666B there should be NO late payments on this account. I have tried to explain multiple times to CONNS APPLIANCES INC the FEDERAL LAW what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT '' I EXTEND CREDIT '' and it is my right to operate in commerce. Having this negative information " late payments '' on my consumer report is damaging my credit worthiness, tarnishing my name DEFAMATION. This is " false misleading representation 15 USC 1692E A furnisher may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing. Under TILA 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which CONNS APPLIANCES INC NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments '' on my consumer report? So a question I have for CONNS APPLIANCES INC when were the credit transactions payed off exactly? WASN'T IT at the time when I signed the contract? So how can CONNS APPLIANCES INC say '' I owe '' this " alleged '' debt and I'm late paying on this " fictitious obligation ''? FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law 18 USC 8 is clearly stating so CONNS APPLIANCES INC can not use the excuse " the consumers lack of timely payments '' as reason to CONTINUE TO FURNISHING NEGATIVE INFORMATION " LATE PAYMENTS/ CHARGEOFF '' ON MY CONSUMER REPORT DEFAMATION. I'm just trying to make it clear WITH FEDERAL LAWS that I have strong reason to believe there is some DISCRMINATION AND DEFAMATION occurring with these accounts. 18 USC 8, AND15 USC 1605, AND 15 USC 1666B, Also THE FTC, GRAMM-LEECH-BLILEY ACT , FCRA states I have the right to privacy. I NEVER gave CONNS APPLIANCES INC my lawful, or legal consent to furnish, spread, for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. So I'm asking the CFPB to step in, and enforce, protect, my Consumer Rights against CONNS APPLIANCES INC practices.
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76039	Web	Servicemember
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
09/19/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75093	Web
I purchased a tv with conns over a year ago and I had about XXXX left in account. I went to a conns store to purchase a desktop and the manager offered me several deals and one of them was combining tv account with desktop and have a month off no payment. I accepted. I took the desktop. a month after i receive text messages from conns stating that I was past due which was not correct because I have made payments. the following month same thing happened and it became collections phone calls. I called conns and they informed me that when the manager made me sign the contract he never closed the tv account and I have 2 accounts with them. one with both tv and desktop combined and the other one just tv. my credit score went really low after that. corporate told me to call the store i did that and the store told me corporate has to do it I call corporate they told me they don't know why the store told me that. I kept getting the go around. with the profession I have I am home 15 days a month and the days are not together. therefore I m barely home. Corporate called me and told me that I need to go to store to sign a new contract and it will fix everything. I explained to corporate that I can try to go to store but I have a busy schedule. I'll do my best. manager from store called me and told me to not worry going to store that he handled everything including having corporate reversing my points on credit score and combining accounts. I never checked after this. after 6 months, making my payment on XX/XX/XXXX, I received a phone call on XX/XX/XXXX, an aggressive one saying its litigation and how am I going to make payment today checking or debit card ... I said I made a payment few days ago and my account still not fixed she placed me on hold and spoke to manager. they decided to mail me a contact and have me sign and fix issue. I told them at this point I have enough of this situation I am a customer I purchased an item their manager messed up I paying for the issues and conns is not. my credit went low I am harassed with phone calls and spoke to every department explained storied and yet nobody fixed it everyone just apologize. apologies don't solve issues. litigation confirmed it will be fixed. today XX/XX/XXXX I receive another aggressive calls asking me make payments. I lost it. I hung up called store and asked to speak to manager but they never passed me to a manager call dropped. I went to the store and asked to speak to manager. Manager showed up and asked me what happened I was furious and told her. her name is XXXX XXXX. she was very rude and not helpful at all. she told me let me finish what I m doing and I'll help u. I said ok. then she went and acted busy and even her employee were like she does all that cause she doesn't wan na talk to you I said she will talk to me because it XXXX her job. Another manager came and I told him situation he said she the one to talk to ... he brought me to the desk she was seating at and made sure that she knows I m here. she then called me to another desk and I told her I'll give her my phone number and she'll look at notes in system and tell me what she can do she said ok. I gave her the number and she said she can't do nothing about it. I said who can? she said call customer service. I am a customer going to conns store for a situation and manager can't help me or I would say don't want to. I m pretty sure every stores got a ist of phones numbers from department and can call and give account number and request explanation or go above and beyond and find solutions. on top of that manager showed no sympathy couldn't defuse situation with an angry customer and challenge me by saying they got legal attorney too after I told her j m very close to see a lawyer and file a lawsuit. ause I m tired of this problem. when you do customer service u defuse situation by listening to customer finding options and go above and beyond. I pay my bills and purchase a laptop. conns supposed to make sure I m happy. law of good and services. I haven't felt that and I have been a loyal conn customer and made sure to pay my bills. I don't feel happy to use items and I m willing to return it and not even get all money I paid every month back. XXXX XXXX told me she can't do nothing and she is done here. I called corporate once last time and explained to them. corporate told me that they sent correspondence to close account and to credit bureau to fix my credit but I don't believe them anymore. I called and filed a complaint at conns for XXXX XXXX but I want to make sure I am heard. I m coming to consumer complaints for help. it's been some months and nothing was done. I describe those months as XXXX. Thank you for understanding me and I hope you guys can help. In America we work hard to keep our credit in good standing. we work hard to pay bills and we purchase items for our own goods and company should provide us respect dedication and resolution as we help them maintaining their business
03/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37167	Web
XX/XX/2021 : I completed an online credit application and immediately received a call from a salesperson at a local store. When I informed him I would not come to the store if I'm required to wear a mask, he hung on me. I had no intention on shopping in the store in first place and planned on completing my purchase online, Order XXXX. I had to submit my home owner 's policy and Driver 's License three different times. XX/XX/2021 : I receive the contract, but the 12 month same as cash addendum was withheld. I contacted customer service and they claimed I didn't opt for it. There was nothing to Opt in to, and the notification was included with my approval. I was told they could cancel my current order and allow me to submit another order, but I wouldn't be eligible for the promo and would have to pay the difference. XX/XX/2021 : Customer Service is slow to respond to email. After sitting on hold for an extended period of time I spoke with a representative. She resubmitted the order, included the same as cash addendum in my contract, honored my original promo, but for the inconvenience gave me a better promo offer, XXXX. However, there was a chair left off from the original order, but I figured it's an easy fix and I can just order another one. I didn't realize the change until my order was delivered. XX/XX/2021 : I receive an email stating my order is delayed until XX/XX/XXXX. I respond, " No problem, I can wait. '' XX/XX/2021 : I receive an email stating my order will be delivered on XX/XX/XXXX. XX/XX/2021 : The delivery is made, but I am dissatisfied. The chairs wobble, the side bar wobbles, and the marble top appears to have pre-existing damage that was repaired on both the table and side bar. Not what I expected. The delivery team was professional, listened to my concern, and explained to me I'd receive a call from customer service to be addressed. I received a call within 15 minutes. The representative offered a concession, but I declined and wasn't accepting damaged furniture. He advised me to speak with a department he referred to as " Conn 's Montage '' XXXX. They'll address the damage and take care of any repairs or replacement. Unfortunately they weren't available so I had to wait until Monday. XX/XX/2021 : I call into " Conn 's Montage '' to speak to a representative. I'm placed on hold for almost 20 minutes until she returns to inform me she reached out to the Delivery Team and Store and stated I received a floor model and all sales are final. I told her that's a mistake I placed my order online, but it dawned on me, that's why my purchase was suddenly ready to be delivered the day after I received the delay notification. She instructs me to take it up with online sales XXXX. I immediately called online sale and the representative stated since it's been more than 72 hours, and since I accepted the delivery she wouldn't do anything. I disagreed and demanded to speak to a manager stating the issue was reported the day of delivery. I spoke with a manager by the name of XXXX XXXX he seemed concerned, and said he'd look into it. He returned my call later that day and apologized for my experience, but he would make it right. He scheduled for a repair team to inspect the furniture and make repairs if possible, but would replace it if I'm not happy, stating he has procedures and policies that need to be followed. Me being in management understood, and was willing to cooperate. However I explained to him about my concerns of following procedure just for someone to tell me there's nothing they're going to do. He assured me not to worry. XX/XX/2021 : Instead of a repair team, the delivery driver shows up stating he was instructed to return and tighten a couple of screws. I responded with confusion and asked, " Are you going to stop the furniture from wobbling? '' He spoke with whom I assumed was his manager then told me he would take some photos for customer service, then they would reach out to me. I had to finger my signature on his phone before he left. There was nothing to read so I asked what I'm signing. He states there's nothing to read, it just confirms he was here.15 minutes later a receive and email stating the sale is final and there would be no concession or return will be accepted. I called XXXX XXXX back. He called me from his cellphone last time we spoke, so there was no issue getting in touch with him. I could tell during our call he was frustrated, but he said he'd do the best he could when he returns to work on Sunday. That didn't sound very assuring. A complaint was filed with the XXXX on XXXX, XXXX, 2021. Conn 's was supposed to replace the merchandise on XX/XX/2021. The merchandise has not been replaced and it appears the item has been removed from Conn 's website indicating it is no longer available.
04/26/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 785XX	Web
I purchased an item at Conn 's XXXX using their in house credit line. The sales rep informed me that the product I received was the product I wanted so I took it home and during the set up I realized he sold me the wrong device. So I went back and was upset since it is not easy for me to get back into town, so I asked for the manager and have him help me. Then when the paperwork was redone the sales rep input his personal cell phone and email address in fear of being fired due to a bad customer survey causing the next set of events to unfold. When it came time to make the first payment on the account the store could not find my account. When I talked to the store manager XXXX he informed me that he could not modify or change my personal information that I would have to call corporate to have my information updated. When I called corporate they informed me that my phone number was wrong and when I called the number they had on file the sales rep answered. This confirmed that he indeed put his personal cell number on my account. When I contacted the corporate office to file a complaint on the sales rep for false information on my acct they called me back after reviewing the information and stated that it was a user error and that " it happens ''. When I asked if there will be any more issues they stated no and they apologized. Then the next month when making a payment they informed me that the information on my account is wrong and if I wanted to make a payment that I would have to call corporate to have my info changed because they could not change the information. When I contacted the corporate number again and I informed them of the previous history they asked me to verify my information once again. During the reps information check they informed me that the email on file was not that of the one I provided. When I emailed the address they provided me the originating sales rep informed me that I was emailing him to his personal email. This confirmed that he input his email address on my account. I then escaladed the situation to the corporate customer relations line where they informed me that my information has been updated and there should be no problem paying on my account. I then asked if they would relay my cell phone number to the district manager in the region to better assist me since the store manager did not have the capabilities to do so. When I finally got in touch with the DM he informed me that he was contacted from corporate to give me a call, I then informed him of the situation and how corporate has handled it so far. He informed me that he would get some answers by end of day. When he called me back he informed me that at the store level he could not access my account because it still showed the personal information of the sales rep and when he called corporate that my information was indeed correct. So he informed me that the servers were probably not communicating correctly. He stated that he will put a ticket in I.T dept for further review. He then stated that if I ever wanted to make a payment I could use my name and they should be able to access my account and I can make a payment no problem. Well the next month we had the same issue once again. I had to provide very personal information in a very unsecure area just to access my account. Well finally my information has been corrected and I was able to make a payment to my account but unfortunately it was applied to the wrong account. This was not caught until the second month making a payment using my information. So, basically two payments were wrongfully applied to a different account. Two months of no payment on the account along with 29 % daily accrual of interest causes me to lose out on balance reduction as well as hurts my credit report due to a user error, technical error, and now misapplied payment. When I contacted customer care and informed them of the issue they informed me that they could not verify that the payment was to be done on one account or the other and that the other issues could not be rectified. I called again in a attempt to resolve this issue once and for all they informed me that there was nothing in their power to move the payments that were wrongfully applied, also they could not remove the difference in interest from the daily accrual. I had to be escalated two more times to get an attempt to move the payments made from the wrong account to the right one but it is not a guarantee that it will be approved. I was informed the wait time to review my request is 72 hours and upon completion it will take 14 days to see anything applied to the correct account. We are in month 6 and still no resolutions ....
10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28208	Web
I financed an appliance with Conns HomePlus in XXXX. I was told that it would be no interest just a finance charge added to the total. Earlier this year I noticed every time I made a payment, the balance did not reflect that entire payment. I was pressed on time do I ignored it since it was a few dollars. Around XXXX I noticed the same trend except this time it was around a {$20.00} difference. I called into Conns for an explanation. The agent I spoke to advised me that my payoff balance change each month. I informed him that I was told this account would have no interest. He could not explain anything further so I requested a copy of my terms and conditions as well as a list of payments made to the account since its been opened. I explained I will make my next payment when I received these items. I never received anything, I went ahead and made my payment because I did not want my account to go 30 days past due. From my initial request, I had contact with multiple agents, on each contact I requested the same documentation. I even spoke with a supervisor, explained the situation. I informed him of my previous requests. He was able to explain the balance to me stating I indeed have an interest rate contrary to what I was told in the store. His response to what I was told in the store was simply brushed off by an excuse of the store associates not being " knowledgeable '' in regards to the way their financing goes. I informed the supervisor of the same thing I told previous agents before him and the same thing I will end up telling previous agents after him. I have every intent on paying off the balance on my account. I am requesting the same documentation for my piece of mind so I can make my next payment in confidence. If I do not receive the paperwork days before going 30 days past due I will go ahead and make my payment. This communication continued between multiple agents. A few days before I submitted my last payment I spoke with an agent. I had the same conversation as previous agents. This time I expressed that I really just wanted to pay my account off, but been waiting for months for the same paperwork. She seemed empathetic and responded with a since of urgency. She explained back up due to covid, that she was trying to push my request through. She even gave me the payoff amount and how long it was good until. That Saturday I went online and submitted my payment ( XXXX ). On XX/XX/XXXX I received multiple notifications indicating a late payment warning from Conns. I called in that same day on one of my breaks. 1st agent I spoke to stated it was a mistake and my account was indeed paid in full. She had to transfer me to another department. The agent I spoke with their apologized for the mistake and stated she submitted it to be corrected. On XX/XX/XXXX ( Based on email ) I called in to see if the problem was resolved. I was shocked to find out that my request was denied. I explained to the agent that they can not wrongfully report to the credit bureau. He agreed that I was late but that I was not 30 days late as reported. I told him I understand that I was late, but it is wrong to report me as being 30 days late when I was not. I went through the whole spill as I have done numerous times by now. I requested the same documentation, but this time I requested notes and documentation on my account. At this point I see the error and every agent I have talked to see the error so I am very confused as to why my request was denied. I have never received a statement. When you go online it shows the balance, but no information as regards to previous payments, interest. A Lot of the information I was requesting could be found in a simple statement. If I would not have started tracking my balance I would have never knew their was a problem. There is no way to track or see this information other then request it as I have done for the last few months. I have received a lot of marketing communication. I have receive regular mail and email regarding my credit line being increased. I even recently received a letter in the mail stating my request for the negative mark to be removed was denied. What I have not yet to receive is a statement, my terms and conditions or even a list of payments. I do not understand how a company can get away with this. You no your sales team is providing inaccurate information regarding financing and choose to do nothing. Didn't seem surprised about it as all. I had so much stress with this company that I just paid it off and called my lost. Things changed when they inaccurately reported me as 30 days past due to the credit bureau.
11/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78660	Web
I should have known better than to purchase there when after submitting my application for financing, I received 7 sales calls from 7 different people. During the 2 days it took to decide on furniture to buy for my new apartment, I had 3 different sales people and 2 managers involved. I was happy to get the new furniture none the less and I was fine with what I thought the loan entailed. {$230.00} a month for 36 months. I make every payment on time, show them proof of renters insurance during this entire time, let them know when I moved etc. I'm down to 5 payments left having paid off over $ 7k on the loan. I am diagnosed with a terminal condition, nothing immediate but very life changing. I call them up and ask if I can defer a payment or two until the end of the loan as I'm trying to get my finances in order. The lady on the phone tells me that my account does not qualify deferment but she does have something that will help me out. Instead of {$230.00} a month, how does {$140.00} a month sound? Great I say. She says that they will just extend my contract another year. Then immediately she starts trying to rush me through the closing. I asked if I could put her on hold. Their so called help was to bury me for another year AND charge me almost 30 % interest on the same loan!! I hit the ceiling and asked for the supervisor. Finally after a brief banter, they agree to defer 2 payments till the end of the loan and just charge me the interest for those two months. Money situation hasn't gotten any better on my end, in fact it has gone from bad to very bad. It's time to make a payment towards my account. I check my credit and notice that during that deferment, they have flagged my account as 30 days late. I call them up and ask them what the deal is with the 30 days, I'm told that they have no record of that and that I should dispute it with the CA 's. I also let them know that I can't make the payment that is coming up in a few days in full. This is where I just sit down and wonder how on earth a company like this can stay in business. When I'm talking to one of the senior agents, he is reviewing my loan and says out loud that I see here you had the 12 months same as cash to begin with and then ... .. I stopped him and said excuse me, I had a 0 % interest loan for the first year if I would have paid it off in full by that 12 month period? Not one time was I ever told about this. I also never received the payment book that they said would be mailed out, I just went online and paid it every month. If you have ever been on their website there's a place to pay for your loan but no loan summary on what is still owed and what has been paid. If I would have added an extra $ 200+ a month to my payments in the first 12 months, I would have saved just over $ 4k in interest with my deferred payments and everything taken into account. If I would have jumped at their original offer of helping me out that would have added another {$1300.00} to their pockets. The agent agrees to let me defer one more payment. Then I don't hear anything no phone calls no emails no nothing. I finally reach out to them to see what the deal with my account is. I get a response back finally and it says this : Due to failure to make payment on your due date of XX/XX/2019 in the amount of {$380.00} your account is now in collections. Please call Conn 's at XXXX to discuss your options. Tell us what amount you can afford to pay each month and let us help you with options. This is absolutely absurd. How much money do they need to make off of one person. They have lied to me they have cheated me and they continue to do so. The 30 day late payment is STILL on my credit report and it shouldn't be. I have never been late with a payment to them and they are treating me like I am some kinda of thief. I called them to let them know of my situation, I have been proactive with this account instead of hiding somewhere under a rock. The last guy asked me what exactly I wanted out of this. I told him that they had already gotten their money out of this many times over and that I'm struggling individual here. I have no job and no income, I'm trying to get on government XXXX now but that is taking longer than I'd like. I'd like to this account to be closed and all negative marks associated with it removed. This month, XXXX the account would have been paid in full and that's what I want it to reflect. I wouldn't be so mad about this situation but when I reach out for help several times, each time they have put me further back into debt.
11/08/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77356	Web	Servicemember
On XX/XX/XXXX, I purchased various goods and entered into an installment agreement with conns appliances incorporated dba Conns I also purchased the insurance that would allow me to file a claim if I had or came across any damages to the products during the duration of the contract. On or around XXXX of XXXX, I filed a claim with Conns regarding the furniture That had begun to show signs of manufacturer defects. Conns set up an appointment with their furniture repair man on or about XX/XX/XXXX. The gentleman came to my home assessed the furniture and the damages, he told me at this time that the furniture was not repairable it was a manufacturer defect, and he would make this report and turn into Conns. I was to wait for Conns to contact me with further instruction. About a week or two Later, I received a phone call from Conns and during the phone call I was given instruction 2 either dispose of the furniture or give the furniture to charity and that Conns would not be requiring the furniture back. They also said that they would XXXX out my account balance and no further payments on the account would be required. This was at the beginning of quarantine due to COVID-19 and about three weeks later after this phone call I began to receive collection calls for payment on this same account. Directly after I was told to give the furniture to charity I went back to Conns and purchased another set of living room furniture in the amount of {$5500.00} which I paid in full by XXXX of XXXX. Still during this time, I continued to receive phone calls that my account was in collections, attempting every time, to explain the situation, which I would then be transfer to someone else that was supposed to be able to handle my account. I would be placed on hold for hours each time, and then either I would have to disconnect the call because I could not wait any longer or the phone call would disconnect itself. Either way I would never be able to speak to anyone that could help me around XXXX of XXXX I was notified that my credit score had been impacted by a collection report and after further investigation I realized that this report was from Conns. I then begin the process over the next few months of disputing the derogatory mark, in which Conns would simply reply to my dispute with nonfactual claim information. I continue this process up until the last dispute which was around one month ago in XXXX of XXXX with no success. on or about XX/XX/XXXX of XXXX, I hired a credit repair company and paid money for them to pursue this and other derogatory reporting that contained inaccurate information Affecting my credit report. On XXXX the XXXX XXXX, I was served papers from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX TX, stating that I am being sued by Conns Appliances Incorporated dba Conns stating that I entered into an installment agreement with Conns incorporated, and that I, the defendant, defaulted in making payments on the account. Further stating that the last payment on the account was made on XX/XX/XXXX. Which I continued to make payments through XXXX even though I had already given the furniture as instructed by Conns to charity and the balance was already supposed to be zeroed out in XXXX of XXXX This information was given to me by Conns and I did as instructed by Conns to do. I have been diligent on my end to get this corrected and every attempt I was unable to be successful because of Conns lacking due diligence and the failure of properly handling my account and fulfilling their obligation to me as a customer, per our contract. I have had several installment agreements with Conns over the years and my credit reflects 100 % good standing and completing all other obligations to Conns and now I am being sued over their lack of reporting correct information on this account. My plans are to countersue Conns for unfair trade practices and breaching our contract. I have spent hours of my time trying to defend my position and not one of these hours was I ever given the opportunity to speak to someone that could affectively handle the situation. I have pictures of the furniture and emails that I sent initially 2 Conns when I filed a claim on the insurance and all the correspondence that followed, and which I have stated in my dispute on my credit report and continues to fall on deaf ears. My plan is to seek compensation for what they continually choose to put me through regarding this situation that could have been and should have been handled almost two years ago.
02/07/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75217	Web
On XXXX I purchased an electric range for one of my rental properties at the Conns location in XXXX Texas using the XXXX credit card that I was approved for through XXXX XXXX On XX/XX/XXXX I returned to Conns after they notified me upon delivery of the electric range that I needed to exchange the electric range for a gas range. I was issued a receipt and delivery was schedule with the agreement that they would also retrieve the electric range that was delivered and uncrate and install the gas range. When the gas range was delivered it was not installed and was not even uncrated. Nor was the electric range retrieved. I had to hire someone to help me load both ranges on my truck to deliver them both back to Conns. XXXX XXXX who is the store manager inspected both of the ranges and processed both returns. I received receipts for my returns minus the restocking fees however Conns has yet to notify XXXXXXXX XXXX of the credits to my account that are due. I have reached out to XXXX however they have stated that the have to receive the notice from Conns in order to reverse the billing. Meanwhile I am making monthly payments for something that I do not have in order to protect my credit. Since XXXX XXXX, XXXX I have called and gone numerous time in person to Conns to speak with them about this matter. On XX/XX/XXXX I called the XXXX 's customer service line because I received a bill. I was told that the credit for the gas range was not posted to my account. XX/XX/XXXX after several attempts to resolve the issue with Conns. I contacted XXXX and spoke with XXXX ID # XXXX to file a complaint. XXXX informed me that it could take up to 60 days to complete my dispute. On XX/XX/XXXX I spoke with XXXX at XXXX to confirm that once the credit was processed that I would be reimbursed for the XXXX payment I was making. She said yes I would be reimbursed for any payments received before the issue is resolved. On XX/XX/XXXX I spoke with XXXX at Conns and she stated that the store has to credit my account and that the Conns credit card only does what the store puts in the system. She says that it will only finance what was purchased. on XX/XX/XXXX @ XXXX I went to Conns and spoke with XXXX and a female with Long Blonde hair ( I did not get her name ). They spoke with another guy who had a boot on his foot who's name I didn't get and he said that they will again email someone at XXXX XXXX and explain the credit and refund the full amount because of the problems I have been having. XXXX tried to explain that the only balance I should have is XXXX and that they would refund that and zero out my balance. I didn't understand it but he said that it would zero out my account even though I was still receiving a bill showing {$730.00}. On XX/XX/XXXX @ XXXX I called Conns spoke with XXXX XXXX and asked for XXXX. She told me that XXXX was in the middle of something and couldn't come to the phone. I told her why I was calling and she placed me on hold for XXXX minutes and came back and said that Per XXXX " he had sent an email and was waiting for a response and that the credit would be processed by the next day ''. On XX/XX/XXXX at XXXX I went to the store to speak with XXXX XXXX It just so happened that the district manager XXXX XXXX was present. Instead of him trying to be helpful he started making excuses saying that " the store had been closed for remodeling and that they were also having problems with their system which is why it hadn't been resolved '', then he starting questioning if I had a " legitimate return '' and if the manager had indeed " saw and touched the ranges that were supposedly returned? '' I felt then as though it was a XXXX thing, like because I was XXXX I might have been trying to do something fraudulent. I'm a XXXX XXXX XXXX XXXX, college educated, business owner, landlord and corporate worker that has NO NEED to steal anything. XXXX has gone as far as to give me his personal cell phone number to call him. He has been nice but has not done anything to resolve my issue. I went back to Conns on XX/XX/XXXX and spoke with XXXX and he stated that my issue would be fixed " tomorrow '' ( XX/XX/XXXX ). I asked him about the payments that I have made on this account and he stated that I would receive the funds in the form of a check. today is XX/XX/XXXX and I still have nothing but empty promises. I just want my credit and refund for all that I have paid out due to this unprofessional handling of my account.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 766XX	Web
My business was closed due to XXXX. All the information on my credit file after the purchase of my home in XXXX of XXXX is false. My information was compromised in XXXX XXXX data leak and t mobile data leak. Someone used my info to try to purchase vehicles to open credit cards and many other things. I have reported identity theft to XXXX three times over the last couple years. I was unable to get cares act funding and the XXXX cited XXXX as the reason for my denial. I have not applied for credit of any kind since the purchase of my home in XX/XX/2019. Everything negative on my credit is due to XXXX. You can simply look at the graph of my information to see I went from excellent credit. XXXX when we purchased our home. This has devastated my family and my business. Cons furniture refused to put me on a deferral list I told the the cares act states they are required to work small business owners. They started reporting negatively immediately after shelter in place orders were issued. I applied for unemployment and I got a message about suspected fraud and I couldnt reach anyone or get help I had XXXX in retirement that in had to use because I couldnt get the assistance and XXXX was cited in every denial for relief assistance. To top it all off Conns furniture sued me after calling me everyday saying they were putting me on a XXXX deferral list and never actually doing it. They called everyday sometimes twice a day until my phone service was shut off due to non payment. I live in a brand new XXXX home with XXXX in equity that I couldnt get access to due to liens put on my home by XXXX XXXX XXXX after I couldnt pay the bill on the solar panals on my roof. My XXXX place a lien on my house. The XXXX XXXXXXXX month was increased to XXXX XXXXXXXX month because they charged {$80.00} in penalties each month. I finally was able to get promising news after congressman XXXX XXXX office reached out the XXXX in XXXX. XXXX XXXX XXXX XXXX emailed me saying he was so sorry to read about my families situation and he offered a XXXX loan that we could add our personal expenses in with our business loan and it would be 90 % backed by the XXXX and they could help package the deal and account for the credit damage and hopefully get our life back. XXXX XXXX told me they werent taking XXXX loans. I said this is the only way for me to restore my accounts and to get my life back. They said they were sorry. I went into my local XXXX XXXX XXXX. They told they couldnt help me. My account with them was closed out due to inactivity after shelter in place orders. I sat in the womans off trying gain my composure as I was unable to stop crying. She stared at her computer as I stood up and left the bank. I just sat in the parking lot and cried. The XXXX XXXX loan up to {$5.00} XXXX with a XXXX XXXX XXXXXXXX backing. That was the only help offered after over a year since XXXX. We were desperate for help and when we finally were offered the banks said no. Then my electricity was shut off due to non payment a couple months ago. I went door to door asking if I could get assistance as the only help that Ive been able to get is XXXX XXXX from the government. My bill was {$210.00}. The following day I was able to pay the bill. The neighbor next to me said he couldnt help and then called child protective services. XXXX came to my home saying there was reports of us having no power or running water. We had power back on and I asked the them to help me as I have applied for all the programs and not gotten help. I am entitled to cares act funding and have been denied due to illegal reporting on my credit resulting me being denied XXXX loan. XXXX didnt help us with anything. XXXX came with the police and said they were taking our 9 year daughter. I told them what was going on and the police said they werent going to assist XXXX with this case. A week later the sheriffs depart swat raided our brand new two story home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/17/2018	No	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	SC 29341	Web
On XX/XX/XXXX I called XXXX XXXX for a payoff at Ph # XXXX. I was given a payoff amount of XXXX by one of their agent in customer service. On Monday XX/XX/XXXX I went into XXXX XXXX and consolidated some debt and one of the debts was Conn`s credit. I mailed that payment on the same day that I consolidatedXX/XX/XXXXand on that same date I received a texted message reminder at XXXXXXXX XXXX reminding me of my payment due date. My payment was due on XXXX XXXX. On XX/XX/XXXX at the same time as the previous text XXXXXXXX XXXX I received another text that my payment is due today. I called and spoke to I believe his name was XXXX and advised that I had mailed a payoff that I`d received on the XXXX but he said he did not show that it was received. I called back again at one point and spoke to person identified himself as XXXX on are about XX/XX/XXXX to see if payoff had been received and was told there was a check pending. I asked why was it pending and that it`s a live check from my lending institution made out to Conn`s and myself and I signed it before I mailed it. I called again and was told that no payment was received but saw a promise to pay in the system. I advised that a promise to pay setup was never discussed because they should have my payoff. On XXXX XXXX XXXX XXXX I received a text stating Your Conns pmt of XXXX is scheduled for XX/XX/. I never sent a check in that amount. I called again and asked why my pmt had not already been applied to my account. The call went dead. I call again to see if my account was paid off but the automation stated that I had a XXXX. On XX/XX/XXXX I called and was given another customer area and I spoke with XXXX. She advised that she saw where I`d gotten a payoff and my previous calls and I was told it was due to additional interest that had been added and she would send it to their small balance resolution dept and it may take 3 days or by Wednesday. During the week I called automation and the XXXX balance was still there. On the XXXX I called a different # XXXX that was given to me by XXXX who said it was for a different customer service dept and spoke with a person who identified herself as XXXX and no resove was given that my request was denied. I asked to speak to a manager and was put on hold for over 12 minutes. A lady identified herself as the manager named XXXX came on the line. I advised that I needed the XXXX resolved and to go away because I mailed my payoff in plenty time. She said it was a 10 day payoff that the agent quoted but it didn`t post until the XXXX. She gave me a ref # XXXX and asked that I get a copy of the cancelled check and that I fax it in to the # she provided. On the XXXX I received front and back copies of the cancelled check from my financial institution who cut the check and faxed to the # provided by XXXX. In the memo on the check it plainly states payoff. On the XXXX in the early XXXX I called and spoke with XXXX who said she see where documents were received. I asked to speak to someone in the resolutions dept and was told that I could not speak with that dept. I insisted to speak with someone who could contact that dept because this need to be resolved now. I was put on hold for approx. 15 minutes and a lady identified herself as XXXX from esculation dept came online and said it was my choice that I choose to mail my payment and conns cant control the mail and I should have taken it into the store. She was totally unprofessional. I called corp # and spoke with corp receptionist XXXX and briefly explained what has transpired and she promised I would get a call back thst day. Needless to say I didn`t get a call back. Today I called the corp # again but got a different lady who said she was filling in for XXXX and would give her message that I called and that woyld be about 30 minutes. Needless to say I did not get any call back. I feel that conns dropped the ball with posting my payoff check on time because as stated above an agent saw that a check was pending in the system. I feel I do not owe conns XXXX XXXX because I paid what was quoted and they accepted it and cashed my payoff check stating plainly payoff. I`ve had several accounts with 10k plus in purchases and have not missed a pmt with conns. Since my last contact they have added other charges.
12/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 752XX	Web
On XX/XX/XXXX, I was approved for {$3500.00} credit with Conn 's. On XX/XX/XXXX, I visited the Conn 's located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX to select a bedroom set and grill. During the finalization of the transaction, I was asked to sign the agreement on what appeared to be an XXXX housed in a protective cover. The screen made reading the information obscure, so asked if a copy could be sent to my email. A copy was never sent. I was then told how much I would pay, and I left. The next day, XX/XX/XXXX, I called that Conn 's to cancel the bedroom furniture, but keep the grill. I was told someone would return my call, but after not hearing back from anyone there, I visited the store in person to cancel the bedroom furniture. I asked if I needed to sign anything because of the change and was told no. I was also told that it was not a problem and the grill would be delivered as scheduled. At the time of agreement, I requested that the grill be assembled, which was a {$30.00} fee. The entire purchase was predicated on a 12 month interest free with free delivery agreement, which was advertised throughout the Conn 's showroom. The grill was delivered assembled as scheduled. A month later when I attempted to make my first payment online, I encountered a problem setting up the online account. I contacted the store where I purchased the grill and was told that I had to make the payments at that store 's location. This was difficult because of my work schedule at the time. No one was able to assist me with accessing the account online. When I finally gained access, the website showed that I owed more than XXXX XXXX dollars for the grill. I was finally able to go into the store in XXXX and make the very first payment. When I questioned them about the amount that was displayed on that login, they could not explain. I then asked for a copy of the agreement again, but never received it. I returned to the store in XXXX to make another payment. This is when I learned that the balance for a {$430.00} grill was now almost {$1000.00}. I was also told that it was a loan and not Conn 's credit as I originally thought. I was also told that there was interest and insurance involved that total. I requested to speak with manager after manager, and was told that everything was being done to resolve this issue. Nothing was ever done to help resolve this issue, so in XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX siting the same issues I'm siting here. A representative responded that they would change the contract to fix the issue. The contract that was sent showed the same over priced balance. When I pointed this out in a response on the XXXX claim, I was then told that a new contract would be created to resolve the issue. This time, Conn 's waited until after the deadline for my response to move forward or close the matter with them before sending a second contract which didn't change the terms. After that, I received multiple contracts that were back dated and included the same high balance as before. I attempted to XXXX arrangements to settle this account, but they continued to demand that I pay over {$900.00}, even after already paying {$230.00}, which is half of what I actually owed. I never made another payment, and they never attempted to resolve this issue until recently I received mail stating that the balance would be charged off on XX/XX/XXXX if the balance wasn't paid. I called again in hopes of settling the account, but was still being quoted a high amount. On XX/XX/XXXX, I filed a complaint the FTC and I informed the rep with whom I had been communicating that I had file this complaint. A XXXX XXXX responded that day. I requested from him to provide me with a copy of charges and fees and the final payoff amount so that I could put this behind me. He responds two days after they charged it off to inform me that it was charged off for less than any of the agreements ever stated. Now I'm receiving several emails a day asking if I wish to settle the account. I believe that Conn 's is purposefully practicing deceptive trade practices, and decided to ignore my attempt to pay the balance in an attempt to further damage my credit with a charge off.
04/06/2019	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	TX 770XX	Web
I opened A conns home.plus account last year in I believe XX/XX/XXXX. Shortly after I XXXX and delivered XXXX so I was out of work on A medical leave for 4 months. During that time I was unable to make my monthly payments for my conns account from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I recieved A call from conns collections department and after explaining to the rep my situation he said he wanted to help me. He stated to me if I paid XXXX on XX/XX/XXXX & another XXXX XX/XX/XXXX all other payments would be put at the end of the loan and my next payment wouldnt be due until XX/XX/XXXX. I then told him my concern was the multiple late payments on my credit from XX/XX/XXXX threw XX/XX/XXXX. I asked if I paid this payment for XX/XX/XXXX and XX/XX/XXXX would this still reflect as past due on my report. Or if it would be updated with all 3 agencies as current. And he confirmed after paying the first 142 the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX would show current and XX/XX/XXXX will report according to me making that payment on time. I paid both payments as agreed for XX/XX/XXXX and XX/XX/XXXX. I reviewed my credit report beginning of XX/XX/XXXX to look for the update and noticed it still has last update report being XX/XX/XXXX. Finally on XX/XX/XXXX XXXX sent me A credit alert stating the status of conns had been updated. The problem is it updated XX/XX/XXXX AND XX/XX/XXXX LATE! And XX/XX/XXXX as current. Immediately I called conns on XX/XX/XXXX I spoke with an account representative and explained that in XX/XX/XXXX I was told if I paid those two payments it would reflect as current on my report and the rest would be added to the end of the loan. She reviewed notes and came back to the recorded line and said that them reporting XX/XX/XXXX and XX/XX/XXXX as late was a clerical error and she would submit the ticket to have it fixed. As she finished the ticket And we approached the end of the call she asked if I had any other questions and I asked her well since u have submitted the ticket for XX/XX/XXXX and XX/XX/XXXX to be corrected do you know if they do courteously removals? I explained to her I had late payments from XX/XX/XXXX-XX/XX/XXXX on my report but those where not errors because I was indeed late. However because of my situation I asked if she could have those months reviewed also. She replied yes and submitted A separate ticket for me. On wed XX/XX/XXXX I recieved A call from conns but was unable to answer due to being at work. I returned the call and was informed it was to update me on my ticket. She informed me my ticket claim was DENIED for A courtesy removal of the items on my report. I immediately figured ok that's for the months of XX/XX/XXXX-XX/XX/XXXX. I then said ok ma'am and the other ticket for the correction for months XX/XX/XXXX and XX/XX/XXXX where completed? She informed me it was only ONE ticket submitted which was for XX/XX/XXXX-XX/XX/XXXX. The ticket for XX/XX/XXXX and XX/XX/XXXX was NEVER submitted. I explained to her I would like all my calls listened to because the sole reason for my call was to get XX/XX/XXXX and XX/XX/XXXX corrected and then I asked for the other months as courteously. She states to me that XX/XX/XXXX and XX/XX/XXXX where not reported inaccurately. And although I made the payments for XX/XX/XXXX and XX/XX/XXXX as agreed on their recorded line that because they deferred payments it would reflect current for XX/XX/XXXX and XX/XX/XXXX with conns but not to the CB. I requested that they listen to the calls because I was assured in XX/XX/XXXX when I made the payments it would not just reflect current with conns but with the CB also. She basically apologized for all of the misinformation but said nothing could be done. I also complained about there only being one ticket submitted for months so threw XX/XX/XXXX and not for the actual months I originally requested. She said although the rep didnt submit the correct months the outcome would be the same. I requested someone from their corporate back office to contact me to discuss this as I know the calls are recorded. I dont feel it's fair to tell me anything to get my money and then report me late after I've made the agreed payments for XX/XX/XXXX and XX/XX/XXXX!
09/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80031	Web
XX/XX/2018 I purchased a refrigerator from Conn 's Appliances throught a retail installment agreement/contract. We signed a contract with the following information : Refrigerator, 2 year service agreement, tax, property insurance.. We were told if we changed our mind about the insurance or service contract we just needed to cancel and it would be removed. The refrigerator was delivered while I was at work, My husband never really looked at the refrigerator and there was damage, a dent on the front, the doors were off and there was a hole / slash in the inside of the refrigerator. I went to the store the next day to speak with a manager, none was available, I spoke with an assistant manger and explained the damages. He said if I wanted the refrigerator returned, I would need to pay a 20 % restocking fee as well as delivery charges, which I thought was outrageous and refused. I asked they take it back and provide a new one that was not damaged. They refused, so I was stuck with a damaged refrigerator, I called the service plan and they said the amages were not covered because they were considered " cosmetic '' not mechanical. So I am stuck with a refrigerator damaged, no way to return it without paying them over XXXX to take it back and a useless warranty. So I went to the store and said I wanted to remove the service agreement, and property insurance. I asked for a revised contract showing the service plan and property insurance charges removed and the new finance charges based on these amounts being removed from the contract. I was told a new contract is not issued, but they removed those charges. I explained that doesn't seem correct because I am still paying finance charges based on a larger amount of money and it should be corrected and changed in a new contract to show the correct charges and finance charges. I was told it doesn't work that way. They assured me the charges for the items I cancelled were removed. 6 months later when I asked what the balance was on the account I was told XXXX. I almost lost it. I asked how could the account balance be XXXX when that wasn't even the original balance and I have made over XXXX in payments. I thought the balances was closer to XXXX. .This is where all the problems and issues began with charges. I have been trying for over 6 months to get the balance corrected, the finance charges explained and an explanation of the exact charges on my contract. I still have not received answers, in fact I have called several times, I have emailed over 30 times and sent letters and keep receiving a copy of the " original contract '' prior to service plan and property insurance being removed. They keep telling me there are no adjustments required to the original contract no matter what items I removed, that the finance charges are based on the original amount financed of XXXX ( finance charge of XXXX ). the finance charges are incorrect and should have been adjusted when the amount of the contract changed after removing items. The new amount that was supposed to be financed after adjustments and my down payment should have been XXXX not XXXX which is a significant differance and the finance charges should have been reduced based on that new amount. So the finance charges should have been a lot lower based on the new amount financed. Considering that, I still can not get answers why the balance is still so high after adjustents, payments and reduced finance amount. I believe I should have been provided a new contract showing the new charges without the service plan, without the property insurance and new finance charges. They continue to tell me they won't provide an adjusted contract or new contract, so I stopped paying until I can get answers to my questions and a revised contract. I even asked them to come get the refrigerator then. they refused and refused to provide answers. I want to know what my rights are and how to get this resolved. As the balance is significantly incorrect and I can't get any answers, help or resolution. As a side note I was also told by one agent I spoke to that they charged me incorrect taxes as well and the tax amount should have been reduced by XXXX as well.
02/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80229	Web
Hello the reason for my compliant on the company Conns is beacuse I have tried for the last two years to settle a debt from the company. They started to report me to the credit breu for two accounts. I only ever had one account with the company. I also made a return of items to them and had a credit. over the corse of the two years i have written letters to the company i have asked for itemized receipts and explanations of the reason for two accounts. I was told things were split and the returned furiture was still being charged. I asked that they remove the false account and update it to one account with an accurate amount. I have had 3 escalated tickets with the resaulotins team. when i call in I am not allowed to speak to anyone in that department the repesenitive can only email the other team to review and request a call back. conns has also sold my account to at least 4 collection angencys. when i called the main company ( conns ) to get it taken care on yet another attempt to let them know that they were still reporting me as two differnt accounts, they refered me over to the collection agency. I was told at this time by a repesenitve at conns main number that if i did not pay the accounts that they ( conns ) would report me to the credit bureaus and my life would be ruined. that they would get paid one way or another. this phone call happend in XXXX I thought the man i spoke to at that time was just being a terrible human being and making me feel pressured to pay by insulting me and making me feel fear. if i would have known then that he was acutally going to make my life hard with it damageing my credit to the point that i can not apply for anything even jobs beacuse this is inpacting my score so terrible that it stops my lively hood. i am reported every month on two accounts for the last two and half years. and it has damaged my credit to the fullest. in XXXX i offered to pay everything in a moment of tears and panic to just make it stop and go away but they had to remove it from my credit history and i was told no and they wanted they amount plus a huge intrest. when i called the main company agian. both accounts were moved yet again. since they started seperating the accounts to two seperate agencys. it has made it harder for me to dispute since they were no longer together in the same agencys. I have made attempts to dispute the charges thru the three credit bureaus and i have no had success. one women called me back from conns and said she was just letting me know they felt that the carges were valid and read to me over the phone the charges and what they felt the reasons were. i asked then to please send me over the bills, nothing has been mailed to me. or emailed. when i called back to speak to her about where it was and to again resolve the matter i could not talk to that department. in that time i wrote to conns to an address in TX one in XXXX and one address to the XXXX to address the servere problem. and never heard back from anyone. thru email or paper this transpired in XXXX the amounts are for {$2400.00} for one account and {$1200.00} on the othere account. I have been reported since XXXX of XXXX and XX/XX/XXXX I called again today to attempt and mend this situation and i got the same response that a ticket would be made and someone would be contacting me. both accounts are seperated yet again in two differnt locations. I would like this to be removed from my credit history as it is false and i have been threatned and have effortless to mend the situation. these carges are affecting my credit every single month for the last two and half years they report every month on both accounts. I am begging for help conns has not been willing to work with me or fix the situation on any level. I want and need to fix this as it has inpacted my life. there is no reason for the amount of hardship and stress it has put me thru. thank you for your time. XXXX
11/13/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76067	Web
On XXXX/XXXX/XXXX I went into Conn 's to purchase furniture and the furniture was delivered on XXXX/XXXX/XXXX. The amount of the furniture to finance was {$2900.00} for a sofa and loveseat. I was told by XXXX ( sales associate ) the furniture I was interested in was real leather material. When the furniture was delivered 2 days later, the furniture I received was not true leather. The furniture was of inferior quality and had a sticky feeling to them. I immediately called the following morning on XXXX/XXXX/XXXX and spoke with XXXX who sold me the furniture to have the furniture picked up. He informed me I could go back to the store to see if there was any other furniture I would be interested in. I live an hour away from the store and could not go until XXXX/XXXX/XXXX. I went to the same Conn 's store to look and did not find anything I liked. XXXX was ff that day and another salesperson assisted me. I was informed XXXX would be in the next day. I called XXXX on XXXX/XXXX/XXXX to inform him I did not see anything else I liked. XXXX informed me I could not return the furniture. I asked to speak to the store manager whom was XXXX. I explained to XXXX the issues with the furniture and he informed me I could return it but I would have to pay {$120.00} for them to come pick up the furniture. I informed him I would pay the pick up fee. XXXX asked me if he could call me back with a date the furniture would be picked up. XXXX never did call me back with this information. I tried excessively to call XXXX back and left numerous messages for him as well as explain to each person that this furniture was not what I was told it was and needed to be picked up. I also asked to speak to the district manager on several occasions and but Conn 's refused to give me the name and phone number for there district manager. At one point, I called and asked for XXXX and was told he was in a meeting with the district manger and was unavailable. I also requested the name and number for the CEO of the company and they refused to give that information to me. Each time I would call, I was told someone would be contacting me at a higher level but no one ever did. I was also told that they would contact the service repair department and have them contact me regarding the quality and sticky feel of the furniture. No one ever did. After calling numerous times, I was told I could no longer return the furniture because it was beyond the 14 day return policy. So I was getting conflicting information as XXXX had told me in one of our conversations that I could not return it but could exchange it for something different if I found anything. The payment came due and I did not pay it due to furniture not being what I ordered. Instead I was harassed for a year on a regular basis with 5-8 phone calls per day from Conn 's for payment. Each time I would explain the situation and the calls I was supposed to receive from service which never happened and that I was told I could pay {$120.00} to have furniture picked up and b=never happened. Every call was like starting over and no where despite promises to the contrary. From the beginning of this purchase, I have done everything I was told to do to return the furniture and continued to insist the furniture be picked up. I have also attempted to contact the corporate office through their website but was redirected back to customer service. I did see on the website that there were what appeared to be hundreds of similar complaints as I was having. Based on the fact that what I received did not match what I ordered, Conn 's told me they would allow me to return it. I have been working to get this resolved to no avail, I have been refuting any and all charges or damages against my credit. They have reported this negative to all 3 credit bureaus. I have copies of all my phone bills of all the times I called them and all the harassing calls from them.
01/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 761XX	Web
My husband and I purchased a refrigerator and laptop from Conns on XXXX/XXXX/2016. Upon arriving back home that evening my husband saw that the same laptop was being sold at other major retailers such as XXXX XXXX, XXXX etc for {$590.00} vs. the {$890.00} we paid at Conns. Conns has a price match guarantee so we called the store back that evening and the manager told us that he could not match that price so we could return the laptop the following day as we would need to remove all the software and uploads we had placed on the laptop and would need the time to do so. The contract is in my name only and I elected for both unemployment and life & disability insurance when we made the initial purchase on XXXX/XXXX/2016. When I returned to the store on XXXX/XXXX/2016, the manager XXXX who told me I could return the laptop and the sales associate who sold us the items we both off work that day. The girl who helped me called XXXX the manager as she was unaware he had authorized my return of the laptop. When the contract was re-written, I told her that I wanted the same insurance policies on the contract, that the only change would be the removal of the laptop from the purchase. She advised me that the insurance would carry over from the initial purchase. On XXXX/XXXX/2016 I was contacted by the same Conns retail store advising that I needed to come in and re-sign my contract as there had been an error regarding my due date. I advised that I had just had XXXX, that I would be unable to walk into the store and that my husband would be driving so, could he sign in my absence. The store representative stated that they would bring the contract out to me to sign and that the only change would be updating the due date. I saw that this contract only had the unemployment insurance and advised the associated who brought the contract to the car that I elected both unemployment and life/disability insurance at the time of initial purchase on XXXX/XXXX/16. She stated that since the change being made was due to an error by Conns that the only update to my contract would be the due date that all the insurance initially elected would carry over. It was not until I tried to file my disability claim in late XXXX/XXXX that I received notice that I did not have disability/life insurance. I called the store, explained the problem and was told to fax over all 3 contracts so that they could request Customer Service update my contract again showing I had disability/life insurance. A few weeks later I called customer service who advised they did not receive the documents from the store and asked me to resend them so that Customer Service could update my contract. I called back a week later per the suggestion of the associate I spoke to at Conns Customer Service and was at this point told that the contract was too old to be updated and that they could not make a change to the contract after so much time had passed. I again explained all that had transpired, that all the contracts had to be re-written as Conns did not uphold the initial price match guarantee then re-written again due to a Conn 's error with the due date. I stated that these were not problems I had created but rather they were issues created by Conns and that my initial contract had all the insurances on it and that had the price match guarantee been upheld that we would not be having this conversation. They said sorry, they could not do anything. I asked to speak with a manager and was then placed on hold for over 15 minutes and then the line disconnected. I am now XXXX. At the time I purchased both items I was making over {$XXXX} per year and now receive {$XXXX} per month on XXXX. I can not afford the payment and I elected for the insurance incase of this exact issue. I have contacted the store but keep getting told that they can not do anything. Conns created this problem yet still wont help me.
02/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70094	Web
In XX/XX/XXXX, I purchased a motorized recliner and love seat from Conn 's Home Plus. I was told that they had to add their insurance until I showed my insurance declaration where the furniture would be since it would be covered under the homeowner policy. Within a week of the purchase, this was furnished to the store. In XX/XX/XXXX, the first payment was due in the amount of {$130.00} which I paid as I figured home office didn't receive the paperwork yet. In XX/XX/XXXX, I noticed that I was being charged again for the {$130.00} which it should had dropped down to {$120.00} with the insurance being taken off. I contacted the company to get it fixed ; however, they didn't do anything about it. I filed a complaint with the XXXX XXXX XXXX in order to get it taken care of which they did finally. In XX/XX/XXXX, I made my payment of {$120.00} with no problem. On XX/XX/XXXX, I went online to make my payment, and found that my account was closed. I called my partner to find out if they paid it off ; however, they stated they didn't do anything. On XX/XX/XXXX, I received a text stating that my account " is in the First Payment Default Department and requires my attention. '' I called the number to which I spoke with someone in Collections, and explained the situation. He transferred me over to Customer Service as he was just as confused as I was. I spoke with Customer Service to which she said it would be taken care of, and she didn't know why they closed the account when the original loan has been fixed already. She said I should receive a call within 72 hours. On XX/XX/XXXX, I received a call about the account and was told that a new account number was setup. I logged on to make payment ; however, the account had the incorrect balance ( it was missing the 3 payments that were already made ), and the incorrect amount due. I called Customer Service, and was hung up on the 1st time. I called again, and told the representative about the prior representative hanging up on me then I explained that whatever was done for the new account was incorrect. I was asked if I " refinanced '' the loan to which I replied that I didn't. The account should have been setup with 12 months no interest, the correct loan balance, the insurance shouldn't exist, and the payments should have been applied. I was told that I would receive a call the next day from a supervisor. I stated that I was not going to pay the bill until this was resolved ; however, on XX/XX/XXXX, I went ahead and paid {$120.00} to satisfy the account so I didn't hear any complaints. On XX/XX/XXXX, I got a call from the collections department ( mind you they called me a couple of times during this period while I was at work, harassing me for payment ) which I asked the gentleman to call my cell phone that I was at work. He said that the calls would keep coming until this was taken care of. When I got off the phone with him, I called Customer Service and told her everything the collection department told me. I asked how hard was it to get something straighten out, and I was tired of getting collection calls. Also, I asked why I didn't hear from a supervisor like I was supposed to. A supervisor got on the line and told me he would call me before XXXX XXXX on XX/XX/XXXX ; however, I haven't received the call from him. By the way, every customer service representative agreed that the prior account shouldn't have been touched and they didn't understand what the representatives were doing in the other departments. As of today, the account is still not correct. Also, I have been reading the XXXX XXXX XXXX website, and it seems that I'm not the only customer having these problems. Attached are pictures showing the issues and how it still hasn't been resolved. This is not only affecting my sanity, but it's affecting my credit as well which I'm trying to buy a house. This is highly unacceptable.
07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	LA 706XX	Web
This compliant is regarding CONNS CREDIT out of XXXX. This company has used harassment and very demeaning while trying to back me into a corner to pay. After one day late on a payment starting XXXX the following day, they start with the 5 or more calls a day from different extensions out of XXXX LA. They recently started using a different number and location .I found this out when i answered the phone today. They call back to back twice in a row and leave a silent 3 second voicemail. I answered the phone today and this is what transpired. I was created by a lady, she identified she was with Conns and asked for name and date of birth and told me that a payment was needed. I told her sure i would be able to make the payment XXXX XXXX. From this point on she became mean, intrusive, and very demeaning. She then told me the status of the account and that i did n't have that kind of time. I told well all i can do is try and i do n't have it at the moment. She then to suggest i get it from a friend or family member. I told her i would and that fall under trying but i do n't have it now. She got more aggressive. She asked me do n't you have a job. I told her i work XXXX and the XXXX is low so I 'm not working. The she barks Well how often you get paid. Told her when i go to work it varies because i may not work the entire pay period. She says " no you have to get paid so which is it every other week or .... I told het it could bet the next day after i work but i have not been.Then she says so where is the other merchandise. I told her i do n't have any other merchandise. She then snaps and says well you been missed payments since last year so whats the excuse. I told her i started school last and I 'm a ft student. She then goes on to say oh so you have financial aid you can use that. I told her i used my financial aid to pay for school related stuff because I 'm XXXX.Then she say well you have finial aid because my friend is in college and she just hers. I kept telling her that i used it. She then say well when are you getting it. I told her XX/XX/XXXX ... she cut me off to say well you should have finial aid what did you do with it ... ... This worker actually want me to use the financial from the government to pay for a TV i thought. We exchange some more words and she continues to say things like, How do you pay your bills, etc. I told her my husband pays all the bills, ,She cuts me off and says ohhhh you have a husband well get him to pay your bills you have a XXXX income. I said no i do n't i am XXXX and have not worked. She states yes you do .When does he get paid? I said thurdays. She said well what did he do with the money from last thursday? I told her paid the car note and insurance. She said then he should n't have nothing to pay next thursday because you said he paid the rent so he should be able to pay this bill. Then she just kept rambling to the point i told her i was not going to be trying to talk over her. She said well thank you for not talking over me now what i was saying ... I told her look you act like the police and i told you already i do n't have anything to give you right now. Then she says well you not going to be able to buy a car and do n't call us back saying we messed up your credit because you had the chance to pay. I told it is what it is and while i was talking she basically hung up in my face. I called back and a guy answered and i told him the situation and he said he would get the supervisor .A lady, not sure if its the same one came and this started all over again .Them questioning me and threatening me. Saying that they mailed out a letter .Telling me to get money from others, I was n't going through that so i told them they can either accept it or not.These people harassed me, belittled my situation insinuating i was lying but then when i offered to make it current they turned it down.
01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO XXXXX	Web
On XXXX/XXXX/2016 I purchased a washer, dryer, television, and bed from Conn 's. Since that date, I have experienced nothing but issues/misleadings/inconvenience in my dealings with Conn 's. Now their conduct has become blatantly fraudulent and is impacting me financially. I am requesting assistance with : 1 ) Having them credit my account for the following ( {$380.00} in total ) : a. Next-day delivery charges that I paid for our washer, dryer and bed, totaling {$79.00}. i. Due to their failure to update my phone number, despite my repeated requests to their incompetent sales rep XXXX XXXX at the time of purchase, they failed to deliver the items next day as I had paid for. When the items were finally delivered several days later, they delivered a bed frame to us in error. We then had to accommodate their delivery personnel a second time so that they could retrieve the bed frame. b. Property insurance totaling {$290.00} i. I informed sales rep XXXX XXXX that we already had renters ' insurance and did not need their insurance. Nontheless, he charged me for property insurance. I did not realize this at the time of purchase. Dealing with XXXX XXXX, who had only been employed with Conn 's for less than a week at the time, was a very tedious and time-consuming process. We were there for approximately 3 hours, which was excessive given that we already knew what products we wanted when we walked in the door. We wanted to purchase a washer/dryer that were moderately priced ; we were clear with XXXX that we did not need the " latest and greatest '' products that he kept trying to direct us to. Once we had made our selections, XXXX told us that those items were not in stock. So we went back and looked at the washers/dryers again, and selected products that were slightly higher in price. Only to be told by XXXX that those items were not in stock either. That went on for approximately 45 minutes ; it was obvious that XXXX was trying to get us to purchase the more high-end washers/dryers, to increase the commission he would make from us. This became very frustrating, so I told XXXX that we would cancel our entire purchase, as the washer/dryer were the critical items that were in immediate need, and that we literally did not have space in our laundry room for the items he was trying to get us to purchase. Then, miraculously, XXXX and his manager ( XXXX, I believe was his name? ) re-checked their systems and found that the washer/dryer that we originally wanted were in stock after all. After being at their store, and watching XXXX fumble and attempt to misguide us for 3 hours, we were very anxious and eager to complete our purchase so we could go home and get on with life. XXXX shoved an Ipad into my hands and quickly skimmed over the various places I was required to initial. I told him that we did not need property insurance on these items, so out of good faith in XXXX 's intentions, and so that we would be done with the process, I signed the purchase agreement without noticing that XXXX had applied property insurance totaling {$290.00} to our purchase. I believe this was a deliberate tactic to wear us down by making the entire process as tedious as possible, so that we would be fatigued by the time we were at the point of completing the purchase and would not question whether or not XXXX had applied any fraudulent charges to our purchase at their profit. To top matters off, after we had completed our purchase and left the store to return home, I received a phone call from XXXX stating that he forgot to have us sign a particular form and that we needed to return to the store. This was a terrible inconvenience that we endured due to XXXX 's incompetence ; we were already XXXX minutes away from the store when XXXX called us, and had to battle Sunday afternoon traffic to return to the store after we had already been there for ap
04/23/2021	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	FL 324XX	Web	Servicemember
I had three acounts with Conns Appliances , Inc./Conn Credit Corp , XXXX XXXX XXXX, XXXX, TX XXXX , Telephone ( XXXX ) XXXX, that were charged-off. The three accounts were : 1 ) Account number : XXXX, Balance {$840.00} 2 ) Account Number : XXXX, Balance {$700.00} 3 ) Account Number : XXXX, Balance {$330.00} I contacted Conns Appliances about the debts in order to pay them off or settle the accounts. Conns Appliances stated that they no longer held the debt and that I would need to contact XXXX XXXX , XXXX ( XXXX ) debt collection at XXXX. I then contacted XXXX XXXX , XXXX who informed me that they no longer held the debt and I would need to contact FBCS debt collection, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX. I contacted XXXX debt collection and found that they were in fact collecting the debt. I asked XXXX if they would remove the accounts from my credit reports if I paid the three accounts. XXXX stated that they would accept payment for the accounts but did not report to the credit bureaus. XXXX informed me that Conns Appliances/Conn Credit Corp reported all acounts to the credit bureaus. XXXX told me that I would need to call Conns Appliances/Conn Credit Corp in order to see if they would remove the accounts from my credit report if I paid the accounts since the accounts were on my credit report for almost 7 years anyway. Conns Appliances stated that they would not do so and would continue reporting the accounts as negative. I paid a settlement amount through XXXX who confirmed that the accounts had been resolved for the stated amounts. After I made the payments on XX/XX/2021, I disputed the balances owed to Conns Appliances/Conn Credit Corp on the three accounts and with all three credit bureaus. In the dispute, I provided Conns Appliances/Conn Credit Corp with the name of the CORRECT debt collector that held the three accounts, provided their telephone number, and provided a receipt number so that they could verfiy that the accounts had been satisfied. Conns Applicances/Conn Credit Corp failed to conduct any investigation and returned investigation results to the three credit bureaus VERIFYING THE ACCOUNTS AS ACCURATE. On XX/XX/2021, I again disputed the information for the three Conns Appliances accounts with all three credit bureaus. I explained that the debts were in fact paid or settled in full and the account balances were incorrect. I informed Conns Appliances that I would file a complaint with the Federal Government if they failed to conduct an investigation as required by law. I also provided them with a copy of the credit card receipt and the three letters from XXXX showing that the three specific accounts had been resolved. On XX/XX/2021, I was notified by XXXX that the results of the investigation into Conns Appliances Account Number : XXXX, Balance {$700.00} was complete. The status is listed as Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/2021. The Reinvestigation information stated This item remained unchanged form our processing of your dispute in XX/XX/2021. Once again, Conns Appliances/Conn Credit Corp again incorrectly verified the ACCOUNTS AS ACCURATE with the credit bureau even after being provided receipts. At the point, Conns Appliances/Conn Credit Corp is knowingly and willfully failing to conduct investigations regarding the accuracy of their reporting as required by the FCRA. Furthermore, Conns Appliances/Conn Credit Corp does not even know who is collecting their debts. As a result, it is impossible for Conns Appliances/Conn Credit Corp to properly report anything to the credit bureaus. I can not be the only individual that is being negatively affected by Conns Appliances/Conn Credit Corps failures to properly record, investigate, and report accurate information to the credit bureaus.
02/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23234	Web
CONN CREDIT CORP Account Number XXXX XXXX > Please Delete from my credit profile as I did not RECEIVE any of this. Please Provide IN WRITING showing I did.DELETE THIS ACCOUNT.You have 15 days to comply > > >> 1016.9 Delivering privacy and opt out notices. >> THIS VERSION IS THE CURRENT REGULATION >> >> ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. >> >> a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 1016.4 of this part, unless : >> >> ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; >> >> ( 2 ) You have provided to the consumer a new opt out notice ; >> >> ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and >> >> ( 4 ) The consumer does not opt out. >> >> ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. >> >> >> a ) General rule. The initial, annual, and revised privacy notices that you provide under 1016.4, 1016.5, and 1016.8 of this part must include each of the following items of information, in addition to any other information you wish to provide, that applies to you and to the consumers to whom you send your privacy notice : >> >> ( 1 ) The categories of nonpublic personal information that you collect ; >> >> ( 2 ) The categories of nonpublic personal information that you disclose ; >> >> ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 1016.14 and 1016.15 of this part ; >> >> ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 1016.14 and 1016.15 ; >> >> ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 1016.13 ( and no other exception in 1016.14 or 1016.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; >> >> ( 6 ) An explanation of the consumer 's right under 1016.10 ( a ) of this part to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; >> >> ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; >> >> ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information ; and >> >> ( 9 ) Any disclosure
07/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CO XXXXX	Web
Accounts ending in XXXX, XXXX, and third account created because they did not verify I still have renters insurance, creating acct XXXX. I was able to prove I STILL had renters insurance, and they were supposed to drop it. Within the last 3 to 4 months of many calls, speaking to supervisors that promised they would combine BOTH the XXXX Television account and Mattress account and give me one lower payment, nothing was fixed, and I was being reported late, even though I told them, and they agreed, I am not paying anything else until the property insurance is removed, since I have renters insurance through XXXX XXXX, and combine BOTH the television and mattress accounts. They are messing up my credit, credit reports, and my personal life by not taking accountability and holding to their promises to fix my accounts, which they have never done. I get different reps who are often rude and non-empathetical. I have tickets created, some closed, others created, and nothing done. I am stressed, tired and sick of this. Corporations need to be held accountable. My online account does not even show both items I have anymore, and will not even allow me to link accounts, which I have never seen a company do this with accounts, and make the mistakes they have. I am so emotionally drained of this. I am on vacation from my job, and I am still dealing with this. They have refused to fix their problems, my accounts, and simplify the process. This has gotten out of hand and dragged on way to long. I have tried all I can do. I was told by other friends and family who have dealt with this sort of thing to file a complaint with you, since the corporate office for Conn 's is in Texas. One phone number that XXXX, a supervisor for Conns, was at is XXXX XXXX XXXX XXXX. But it will not often allow you to leave any messages because the amount of calls she can take it limited. That is how crazy this company is! Outrageous! NO follow ups, and no call backs/emails overt time. They just say I am late and need to pay my past dues before they can combine accounts, which was a change in the story from the beginning when they promised me this would be fixed so I can pay one payment, and the correct payment for both items. I have called so many people and been told different things with Conns. They seem incompetent, and not willing to take accountability and help their customers, especially when they are causing this stress and messing with your credit scores and life by not doing what they promise! There is no legal accountability, no empathy, no respect, no holding to their promises. I honestly feel violated, harassed and disrespected. I want this taken care of once and for all. I appreciate it. Thank you. Various responses from different callers..no consistency. Promise to fix problems ..XXXX, supervisor, said calling from XXXX XXXX XXXX XXXX, the accounts would be fixed and combined within a few business days. It is now 3 months plus this is still going on with no resolutions, and the accounts ( including credit reports ) and my online account are still messed up. Their way of business is not correct, very confusing, disrespectful, really illegal if you think about it. Customers have rights, and I have exercised those rights and tried to get them to fix the serious issues, and they have not. Yet another ticket created today : Ticket # XXXX, emailed from a Conn 's customer service rep to : XXXX. I called Conn 's Customer Service at XXXX XXXX XXXX XXXX and spoke with a woman who was nicer, but still did not solve any of the issues. This is ongoing and not solved at all. I have never had to file with an attorney general, but I have no choice at this point.
05/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX XXXXX	Web
XXXX XXXX I purchased a new slate bed and mattress set from Conn 's upon move in to my new apartment. XX/XX/XXXX I started breaking out with what appeared to be a XXXX that would come and go. XX/XX/XXXX/XX/XX/XXXX the XXXX started to get worse so I made a Doctor 's appointment because I was the only one in the household that this affected. After several Doctor visits and XXXX the Dr. could not confirm that this was an XXXX. My granddaughter who is XXXX old spent the night XX/XX/XXXX and slept with me in my bed woke up with the same XXXX on her XXXX and XXXX. On that day I later found a XXXX in the top of her bottle and found out it was XXXX. I immediately contacted the office to request inspection. An inspector came out from XXXX XXXX and indicated that I indeed had XXXX in the actual frame of the bed that I purchased from Conns. An inspection of my entire apartment was processed and XXXX were ONLY found in the wooden frame of bed. The XXXX company came out did their treatment. I also contacted Conns ' to get no assistance on the phone. I was advised that I would need to contact the service center and they would schedule for someone to come out and inspect and decide at that point. I was transferred to the service center for them to only tell me that my bed was not under warranty and there was nothing they could do. I also asked to speak with a member of management and was not transferred. I paid {$210.00} to the first exterminating company to do treatment. I packed XXXX pounds of laundry to the laundry mat to wash and high heat dry my clothes a total of {$76.00}. I followed all procedures given to me by the exterminating company. A week after treatment I am still experiencing XXXX issues. I contacted a more reliable company ( charged {$800.00} ) who came out to inspect and confirmed that the XXXX are indeed in the frame of my bed and was also advised that they have treated numerous bed 's purchased from Conn 's with XXXX. In the mean time I have been living out of plastic bags and had to get a hotel room for a week ( {$430.00} ) because of this issue. On XXXX/XXXX/XXXX I emailed XXXX XXXX at the Conn 's corporate office to contact me regarding my issue and no response. Here we are a month later my exterminating company came out to inspect again on XXXX/XXXX/XXXX after treatment to advise me that I still have XXXX and they are living in the frame of this bed purchased from Conns who expects me to keep making monthly payments. After reading reviews Conn 's has delivered mattresses that were molded and infested. If Conn 's is hauling old mattresses when new mattresses are delivered that could be infested with XXXX it can spread to new bed sets. What is Conns doing to ensure that the old mattresses they pick up from different customers are not infested or stored with their new beds? Because no other place in my apartment is infested with XXXX it leads me to believe that this bed frame is an issue that is causing me much emotional distress. Desired Settlement : Other ( requires explanation ) I am requesting Conn 's to refund me for everything I have had to spend during this time for laundry, exterminating costs, and hotel stay which is a total of {$1500.00} Plus all of the payments I have made towards the bed that I have not been able to sleep in comfortably, and pick up this infested bed and remove this merchandise from my credit account with Conn 's. I do not want to be financially responsible for the remaining balance. Thank you for your time and assistance!
09/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	OK 73162	Web	Servicemember
Experience has been an ongoing nightmare.My husband Ordered new furniture over 2 weeks ago, was given a delivery date of XX/XX/XXXX. Called on XX/XX/XXXX to verify we were getting delivery so we could prepare and make space, which the lady confirmed and said we would receive a call between XXXX and XXXX on XX/XX/XXXX to give us our delivery time. We spend the day getting our old furniture out of the house and getting our carpet professionally cleaned then XXXX came and went with no call. We called and after being told 4 different things by one person we finally got a manager from delivery on the phone who told us the most ridiculous things I have ever heard. We were told more than once that deliveries are on a " first come first serve '' basis. So since we were given the date of XX/XX/XXXX by the computer, if someone came in after us and it gave them a earlier delivery date they get delivery because they were first ... ... So with that business model in place I now may POSSIBLY get delivery XX/XX/XXXX unless someone gets a delivery scheduled before that, then I get to wait again but I won't actually know until between XXXX and XXXX the night before. I have no furniture because I was told we would be getting delivered and no actual set date when I will get it. I have already paid part of the money up front and will most likely have a finance payment due before we even receive our furniture. When did the meaning of " First come first serve '' change? I will enjoy sitting on my folding chairs in my living room for an unknown amount of time while I pay for {$3500.00} in furniture that I cant seem to get delivered as long as other people are still ordering it. Update after talking to the managers at the store we have been told again that as long as people keep coming in and getting delivery dates that are before mine, they will get their furniture before I do. Yet again I did not pick my delivery date, but I guess other people do get to .... I was also told that I may possibly get my delivery on the new date but most likely not because there are other people on back order also. They are unwilling to do anything to rectify their error and we were pretty much told there was nothing we could do about it. The fun never ends with this place ... .. When we added 2 pieces to our initial order the first account was moved to a new account number to reflect the entire purchase, but now both accounts are showing on my credit, and the first one is showing as late. They are essentially trying to charge me double for the purchase and reporting their errors to my credit. This not only affects my score but my debt to income ratio. We have contacted customer service three times, and also the store. The store manager will no longer even take my calls and leaves me on hold.. Customer service tells me it will be resolved but yet nothing has changed. Worst business I have had to deal with in my life ... ... ... ..worst part is I actually pay more on my account than is due and I pay early, but they are reporting me as having late payments due to their incompetence. This has been the last draw and I will have to take further action. No person deserves to be treated like this by a business ... ... ... ... ..My {$3500.00} furniture purchase has turned into over $ 10K being reported to my credit this has to be illegal in some way..I have tried to contact Customer Service and store multiple times with no resolution.
10/01/2019	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	NC 28078	Web
XXXX XX/XX/XXXX, XXXX XXXX CDT To Who it May Concern, In XX/XX/XXXX I opened an account with Conns. All payments were made on time but, were not reported to the credit bureaus correctly. I initially filed a dispute with XXXX in regard to the amount Conns reported as owed on my credit report in the amount of {$3100.00} as that amount was/is incorrect. The correct amount owed is {$2100.00}. After approximately 30 days of filing the first dispute my credit score dropped for the first time. The reason according to the information XXXX received from Conns was because, my account was derogatory & reported as closed in XX/XX/XXXX with a claim that my last payment made was XX/XX/XXXX. I again filed another disputed this time due to the fact that not only was my account not open until XX/XX/XXXX it would be impossible for me to have made my last payment or any payment in XXXX on an account that didnt exist. But, the fact I am current on my payments & that should have been reported since its been open. This should have been rectified immediately as it had caused my credit report to reflect derogatory payments & drop. After another second 30 day investigation I received another notice in regard to my dispute. This time XXXX informed me that my Conns account was removed from my credit report. I then received an email from XXXX to inform me that there was a change in my credit score. I checked & discovered that XXXX dropped my score 26 points that is in addition to the points it dropped after my Conns account was reported derogatory to them. I then filed yet another dispute stating my account was only opened in XXXX that its never even been late & after that 30 day investigation XXXX now has my Conns account as a Charge Off. This caused a second drop to my credit score. XXXX had completed their second updated investigation & removed it from my credit report. I am beyond upset that this has been done to me. I was however grateful I spoke to XXXX in Conns customer service department. As she was knowledgeable, understanding & was able to confirm my account is & has been current since I opened it XX/XX/XXXX. XXXX provided me with a help desk ticket # I am livid that none of the payments Ive made have been correctly reported by Conns & were reported as derogatory. This has caused me many months of effort with only useless investigations & my credit scores to continuously drop significant points. This negativity has impacted me severely & set me back undeservingly. This is going on for several months & It never should have happened at all. I have been informed that these false derogatory remarks will continue to affect my credit score for months to come. As itll take many months before my credit score will be repaired from this & recover from the damage this has caused. I was also informed that XXXX is more than likely to follow next in dropping my score due to the derogatory marks. As this point I am ready to contact XXXX with what has been wrongfully done to me by Conns failure to report properly, to not to just one credit union but, two credit unions thus far. As a consumer that has done the right thing & made payments as promised this amount of stress & significant damage to my credit is inexcusable. As I sincerely regret becoming a customer I also do not want this to happen to any other consumers. After researching I have learned reporting falsely to the credit bureaus is a common issue with Conns
12/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
I pulled my credit report on XX/XX/XXXX & seen these accounts that was either charged off or in collection under my name. I contacted the 7 company an informed them this was a fraud account & asked the companies to provide me with documentation of the original contracts with dates & both parties ( my Signature & the Companies ) signature on the documentation. I also have tried disputing it thru the credit bureau, but the companies have not provided me with these contracts/documentations, but instead continues to report these accounts to credit bureau XXXX The following 7 Companies I am writing these formal complaints on : 1st Company Compliant Company : XXXX XXXX XXXX Conn Credit Corp Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balanced Reported on Credit Report : {$3600.00} Date Reported on Credit Report of Charge Off Date : XX/XX/XXXX Contact Information on Credit Report : XXXX XXXX XXXX, XXXX XXXX Tx XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 2nd Company Complaint Company : XXXX XXXX XXXXXXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$4900.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Number on Credit Report : XXXX ( XXXX ) XXXX 3rd Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$2400.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 4th Company Complaint This Account is reported on my Credit Report Twice Company : XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX & XX/XX/XXXX Balance Reported on Credit Report : {$1100.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 5th Company Complaint Company XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$920.00} Contact Information on Credit Report : No Address Given on Report Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX 6th Company Compliant This Account Reported on my Credit Report Twice Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report:XXXX Balance Reported on Credit Report : {$130.00}, {$140.00}, {$180.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX, SC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX & XXXX ( XXXX ) XXXX XXXX Company Complaint Company : XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$150.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 756XX	Web	Older American
I was online looking at something, put my phone down to go do something, when I picked the phone up there was a pop up of Conns XXXX XXXXIt stated on the ad that pre qualify now with no impact to your score to see your options.i thought no impact to my score to see where I stood on my credit, so i push the get started icon answered some questions and banner came up that states I've been approved for {$5000.00} instore credit to start shopping now I thought to myself not too bad but I wasnt interested just wanted to see Woke up next morning and checked my email and it stated is this new inquiry yours I went to where I check my scores and I be dammed if my score didnt drop 6 points and it was from Conns I called them a guy answers I mentioned to him that your ad lied and he said sorry about that and immediately asked if I seen anything I was interested in to purchase i said i want the inquiry removed he said that he would transfer me over to the person that handles that and he did the phone rang about 8 times i hung up The next day tried again same guy answered told him that no one answered yesterday when he transferred me said sorry about that and tried again this time a lady answered i explained about the ad she took my information and said there you are you've been approved for XXXX dollars I said no thank you that I'm not going to do buisness with anyone that lies to me, she said I'm sorry to hear that she said you do know I'll have to delete your account for that inquiry to come off I said that's fine and thought for a second what account I didnt set up no account, i didnt even get to see any options that the ad states clear as day I told my self dont say nothing it's getting the inquiry off she said itl take a month to come off I said a month why not by tomorrow morning it was put on my report that fast why not come off that fast She said that's how their system works. I said fine, bye and thought nothing else about it until I started getting emails for their sale ads, I went online to their company complain site and yes they have a site for complaints, filled a complaint havnt heard anything back well the emails kept coming in and I be dammed if I didnt get a phone call about a leasing program I said I wasnt interested a few more days go by and I get a letter in the mail saying after careful consideration that they wasnt able to give me credit but I could get into a lease program. I'm thinking they are messing with me doing this to mess with me I went to my email and clicking on one 15 emails looking for contact us after scrolling around and a few buttons later I was able to send a message I told them that they are harassing me to not send me nothing else not to contact me through email or by phone or mail that I wasnt doing buisness with anyone being I was lied to The emails keep coming in and it was may the fourth when this started on the 5th they searched my credit report needless to say the inquiry is still on my report and after sending a complaint to them and an email I'd at least get some kind of reply or get that dang inquiry off and nothing the only I'm getting from them is constant adds I've filed a complaint with FTC now CFPB, next my Attorney General in Texas and going to seek legal counseling this is so time consuming This is to the CFPB I didnt want my age on there I tried deleting it 3 times and it still wouldn't
06/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77095	Web
What a mess. We went to Conn 's XXXX store in XXXX, TX to buy a tv. The salesman said he could get my husband approved for 3 years no interest since my husband has an existing Conn 's acct. The salesman came back & said that my husband was not approved but to add me to the application. I told him numerous times my credit was not good and that I thought it was a waste of time. He said no lets add you because they usually approve apps with 2 incomes. so I said ok, gave him my drivers license and he added my info to the application. The next thing he tells us is " Boom You all got approved '' So I was under the impression with both of us on the loan we were approved for 3 years no interest. The salesman tells us we have credit line of {$6900.00}. He says its better to buy everything you need now then to wait, buy 1 item and then pay it off, come back and buy the rest once your 1st item is paid off because sometimes you don't get approved. I thought okay we need a bed, its not an emergency, but we need one. We believed that we were on the 3 years no interest loan. AT NO TIME DID OUR SALESMAN EVER DISCLOSE OUR INTEREST RATE OR FEES. He said " I got your payments at {$340.00} '' I said okay, still thinking we were at a 3 year no interest loan. The salesman handed me a blank pad to initial. I added my initials 3 times. he never explained what I was signing. Salesman said I was able to add on extended warranty for {$340.00}. I said okay, thinking I would see the papers once we were thru signing. THAT NEVER HAPPENED> HE TOLD ME CONNS would email paperwork to us. I thought okay, weird, I've never bought anything without seeing the paperwork and having everything that we are buying explained to us but OK. Salesman said TV & Bed would be delivered next day. We left and when I got home checked our email. Salesman had included in our loan, 48 month extended warranty, Furniture Guard warranty, Credit life and/or Property Protection Insurance without ever telling us how much these would cost. Then I saw the interest rate for what we had bought. It was over 24 % APR. I WOULD NEVER HAVE BOUGHT THESE ITEMS IF I KNEW THAT WE COULD NOT GET AT LEAST 1 YEAR NO INTEREST. My husband existing acct was for 1 year no interest. It had been a year and we were ready to buy another item with the same terms ( 1 year no interest ). SO THIS IS A BIG RIP OFF! Also I called salesman next day, I said why did you add all that stuff on, you never told me anything about it. Didn't get our approval. and I thought we were getting 0 % interest for 3 years. Then he said just send me proof of homeowners policy and I'll have credit life & property insurance removed. So I did, I had to call my insurance agent and ask for a copy. I forward declaration to salesman by email expecting him to remove all those coverages we never consented to. he said okay, I will fax these over. I NEVER HEARD BACK FROM HIM CONFIRMING HE CANCELLED EXTRA INSURANCE we didn't consent to. I called on Sat XX/XX/23 evening to CONNS customers service to confirm that they received cancellation of all the extra stuff we never consented to and they said NO, " Im sorry salesman never sent over your insurance policy or cancellation. Even though I have emails to him and talked to him on the phone asking him 3x to cancel all that stuff. I AM SO UPSET. THey are ripping off people it is not right.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77584	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : Emoneyusa Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 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 In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 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
09/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85043	Web
To Whom It May Concern : My name is XXXX XXXX and XXXX XXXX and we have grievances of a legal nature against Conn 's HomePlus stores. I call this the double-pay scan by Conns due to the process in which Conns swindles well over 2x the amount owed to them and hits you and your familys credit in the process so you must pay them. 1. XX/XX/XXXX we purchased a TV, washer, dryer, and a microwave for a little over {$2000.00} + or so in an attempt to build credit and our payments were never late. 2. XX/XX/XXXX, by email, an account Payment protection program was added without our consent. We didnt ask for or purchase insurance but it thrust upon us anyway. 3. Around XX/XX/XXXX, a new loan debt letter was sent stating that we now owe {$3500.00} with a 34-month loan term. We had already started aggressively paying off our loan before any interest accrued. Their false advertisement stated on XXXX says, " Pay no interest on purchases for up to 36 months, with credit approval. This is a falsehood. 4. Fast forward to XX/XX/XXXX, we had thought our loan was paid off and were waiting for the paid in full letter, none came. 5. We called several times from XX/XX/XXXX to XX/XX/XXXX receiving over 22 mitigation department late emails. The emails ranged from reporting 117 past due notices, various amounts owed per month, promises to apply credit to the account, making de-escalation payments, to mild threats. We called several times to confirm that the debt has been paid in full, to stop sending the above emails, and wanting for our paid in full letter. Verbally by phone, we were told that there was a glitch in their computer system and that we are paid in full, yet the requested paid in full letter was ever sent. They willfully lied in order to achieve additional funds. To my rough estimation, our {$2000.00} + loan will be roughly {$10000.00} or more by the end of the payments depending what they feel like doing to us. {$10000.00} for a TV, washer, dryer, and a microwave. 6. On one occasion in XX/XX/XXXX after the collection was placed, I spoke with a Conns representative. She told me that we owe {$2500.00}. I asked her why we owe on an account that has been paid off. She then hung up on me. This is the typical Conns con, the {$2500.00} to pay off the loan and a collections stating that we owe {$3100.00} right on the paperwork in front of me. 7. When Conns place this into collections, they said that we owed them originally {$3500.00} from their modified amount, not the original amount from XXXX of XXXX. They also said on one call that we now owed {$3100.00}. 8. After this, we spoke with another employee of Conns who stated that the original amount wasnt touched and the only thing that we paid down was the principal and now we still owe over the original amount. If we paid the principal off then why are we still paying on the principal of the loan now? For instance, our payment for XX/XX/XXXX was XXXX balance {$2300.00}, our payment for XX/XX/XXXX was XXXX balance {$2300.00} ; this means that only {$54.00} was taken off the original amount. 9. We have asked for specific information from them through a validation letter sent by email on XXXX. Including a copy of the original XXXX of XXXX agreement. Its now 30 days later and there has been no information sent by Conns.
07/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 731XX	Web
Myself and my husband have separate accounts with the same company, CONNS. Neither of our phone numbers are listed on the other ones account, so when they call my cell phone its about my account, etc.CONNS has called our home phone up to TWENTY ONE ( 21 ) TIMES IN ONE DAY AND MY CELL PHONE ABOUT ( 8 ) EIGHT TIMES A DAY AND MY HUSBANDS NUMEROUS TIMES AS WELL. I LITERALLY WROTE DOWN THE TIME THAT I RECEIVED THESE CALLS IN ONE DAY. 21 TIMES! We understand we owe them money and do n't feel that it is unreasonable for them to call once a day but 21 TIMES is Harrassment. We have asked them to make notes on their computer file of our situation about when we will have the money yet they continue to call many times each day. I doubt it is likely that we will win a lottery or that my boss will give me a raise. Therefore our financial situation will not change from the previous day that we told them the same thing. It is a good thing that I am a mentally stable person. They could drive someone to XXXX. Also, I have a dispute with them that took them 6 months to partially resolve. My payment would be due each month and I demanded that they resolve the issue that started on day one when the furniture was delivered damaged. They called me on delivery day after furniture was set up and asked me if i was pleased with the delivery and I informed them that the furniture is damaged. They offered me a discount since the furniture was damaged on delivery. I said that would be fine. I figured that it might take a little time for everything to be updated. About three months later, I checked to make sure everything had been taken care of and that the financed amount be updated. It was not, I called and spoke with someone they said they would take care of it.I made the payment. The following month the payment was due again, I inquired about the concession. Still nothing! I called my salesman, I was very polite, he hung up on me. I called the manager, he gave me another phone number to call, called the delivery department, he gave me another number to call etc. Still nothing, the rep said they would take care of it and it can take up to 10 days to be updated so I made the payment. The next payment is due again, I inquired about it again, still nothing.I made many other calls to supervisors, managers, corporate office etc and they said they would take care of it, may take up to 10 days to post, I made the payment. The next payment is due, still nothing! I told the rep that I was not going to pay until this was taken care of. Still nothing! I made dozens of more phone calls to many departments.Six months later they said they applied concession. I asked for a receipt or something be sent to me verifying this.Then I would make a payment. Did n't get it until about a month ago. My account remained past due mostly because of this.Since it took so long to get concession and proof of concession being applied, I asked the rep if they would remove the late payments off my credit file and reinstate the 1 year same as cash offer. Guess what? Still nothing! I 'm not asking for anything free. Please do something! At least make them cut back the phone calls to once a day! I personally know other people that get harassing phone calls from CONNS. Please help!
03/05/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NV 89169	Web
In XXXX I lost a credit card and had to cancel it once I realized it was missing, i only realized this because it was used and I didn't use it. I had also applied for a new license which I never received in the mail and had to go back to the dmv to reapply and than In late XX/XX/2019 I realized I was a victim of Identity fraud. I didn't realize this till logging onto my credit score with XXXX XXXX. I saw new remarks and credit cards that I did not apply for ... some showing in early to Mid XXXX, I did as the app said to contact the credit bureaus. After placing fraud alerts on my accounts I decided then to put a freeze on all 3 credit bureaus early XXXX, when more accounts started to show on my credit report. This continued to happen again thou, another 3 accounts showed up ... I was told that there wasn't a time limit on when they would register to show to my credit page, it was possible it was done before the freeze and I should once again take the appropriate steps. So I did, but the last of these creditors that showed was Conn 's dba Conn 's appliance inc. I contacted the bureaus first as I did with every situation that arose during this time and than reached out to the actual creditor. This time trying to reach a representative seemed more difficult. But after a few days I got a hold of a customer service rep who said that the fraud dept was closed but she could note my account and someone would contact me. This never happened so I tried again, this time though I had an actual notice in the mail from this company, I used this information to finally get in touch with Conn 's, I finally got transferred to the fraud dept of this creditor. Shortly after I received an email from this department stating what I needed to do next for this claim. Within 36 hrs I had filled out there paperwork had it notarized and went to XXXX to fill out a police report. Some weeks had passed by so I used the email information to contact them back, the rep said my claim was still pending but should be processed by the end of the week. It was not, before I could contact them again the XXXX called me to see if the situation had be rectified and it had not. So I reached back out again but this time I was told a letter of my status to the claim was mailed to me the week before. I never received it. So they sent it to me via email. And I felt devastated and violated all over again. Conn 's appliance Inc dba Conn 's denied my claim. and the reason they denied my claim made no sense to me. They denied it with the very definition of what identity theft means. They said " Name, DOB, DL number, expiration date, address and signature on the DL provided with the fraud affidavit and the DL used to open the account matched. Signed by XXXX XXXX Fraud Investigator-Conn 's Home Plus. I quickly responded to the email that I wanted to appeal this claim, but got no response. I tried contacting the number on the letter but the recording said it couldn't help me at this time and quickly disconnected me. I tried emailing again this morning and haven't received a response yet again. I than tried the phone number again this morning and got a voice mail. This account was open without my knowledge or permission or consent. I'am a VICTIM of identity theft.
01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85029	Web
On XXXX, I applied for credit from the store, Conn 's and bought XXXX laptops and a printer. The store salesman drew up XXXX contracts for the purchase because he said it was " store policy to do so. XXXX XXXX contract was for a laptop and printer ( {$840.00} ) ; the second contract was for a laptop ( {$1600.00} ). When the salesman ( XXXX, XXXX ) wrote up both contracts, he illegally attached additional forms to the contracts which I later found out was for an additional charge for " insurance '' on the items that I bought. I never asked for insurance, did n't want insurance or was even aware that I was signing up for insurance on these papers, which were attached to the contract. The papers are utterly confusing, and I was not told that there was an insurance fee attached to these contracts. I am an XXXX woman and feel as though I was taken advantage of with the contract and insurance charges, which were prohibitively expensive. I was outraged by this and contacted the corporate headquarters of Conn 's, by phone and complained that I had been duped into paying an insurance fee for XXXX separate contracts. I paid off XXXX contract ( i.e., laptop and printer- {$840.00} ) and requested that the insurance fee be removed from both contracts. The customer service rep said they would remove the fees once they receive copies of the contracts which the rep said to fax them to their corporate office in Texas ( XXXX ). On XX/XX/XXXX, I faxed these papers to XXXX 's and did not hear anything from them -- I can only conclude that I was continued to be charged this insurance fee. I called back again, a month later and was told my case was still under review. My minimum monthly payments were {$76.00}. I also paid more than the minimum payments for several months. These payments were made XX/XX/XXXX through XX/XX/XXXX. I paid an estimated {$2900.00} for this original debt of {$1600.00}, which is twice as much as the original debt. I tried to resolve this issue once again XX/XX/XXXX and XXXX XXXX. I was told XX/XX/XXXX, that someone would look into it, which at that time, I told them I was done paying off this debt. I also explained once again, that a prohibitively expensive insurance fee of $ XXXX/month which had been tacked onto the account for over 2 years, should be corrected and credited back to the account. My last payment of {$76.00} was made on XX/XX/XXXX. Since XX/XX/XXXX, I have received threatening calls from Conn 's collection department on my cell phone, which is illegal for debt collectors to call one 's cell number -- they also left messages on my cell phone as well. Recently, I tried explaining the situation to one debt collector, who was rude and threatening, at which time I asked her to stop calling my cell number. I have refused to answer their calls and want them to stop harassing me. They have already reported me to the credit bureau, which has had a substantial negative impact on my credit rating. I want this reversed, because I do not owe them anything. I am convinced that after this experience, Conn 's business practices are predatory, and the company prey on poor innocent XXXX people such as myself, to manipulate us into deceptive credit contract deals which are designed to hurt the consumer.
06/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 401XX	Web
CONNS APPLIANCES INC XXXX XXXX XXXX XXXX, TX XXXX ATTN XXXX CONNS APPLIANCES INC The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). Referring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness. As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report. According to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C. If CONNS XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Referring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. " Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, CONNS APPLIANCES INC is still required to report the debt as income to the IRS. The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnisher ofinformation & 15 U.S. Code 1681e ( b ).
02/02/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78223	Web
First I was offered a XXXX. In credit to spend in store.Then was told I had to pay XXXX insurance to cover their loan. But was n't told.Noticed later on contact. Was charged 21 % interest over 3 years.on the cost of the money charged XXXX for the washer & dryer. I wanted more coveraged than just factory defects. So they charged me {$300.00} for extended service agreement. Never got copy of agreement of what it covers yet.I was told at that time that all the other fee 's tax did n't count toward my {$2000.00} that I still had {$1000.00}. To spend I told them I be back to spend later for XXXX. I 'm writing this in XXXX parts this is part XXXX cause I may run out on number of words ... I 'll try to get it all in..So I went back twice.once got art $ XXXX.then much later got XXXX T.V. 's. But they would n't let me spend what they said. I picked out lowest costing TV. They when we were done she did n't giuve me the contact like other sales person did. I was ready to buy the TV 's remember I was charged 21 % on washer & dryer. Now just at the end she says your getting charged 29 %. Keep in mind I 've already paid two payments on my washer & dryer in the same store. She does n't give me copy of contact says she 'll email it to me. So I was tired frustrated wanted to get my TV & get out. I looked at email later they charged me 32 % interest on the total amount not just TV 's. Plus I went to check my account over the phone they had Not applied my payments even yet. It had been two months sence I purchased the Washers and dryer. I had made in store payments they were not subtracted from my account yet. I have written twice about these issues but I 've been ignored! Plus she charged me another {$300.00} in insurance. Now keep in mind they charged me {$150.00} insurance on the washer & dryer. The {$300.00} on the TV, 's is not required. They charged me {$1400.00} for XXXX worth in TV. 's. that 's more than the items I purchased. You know this is not right! They charged that much for the washer and dryer. With the extend ed warranty! Their insurance only covers their loan not my items. Just pays off the loan if it stolen. I havnt got copy of any of the warranty 's yet. I am sending another letter with my next payment. Tell them that I will be writing to some others to help me in these issues.I will write to CCC consumer credit commission and BBB. But maybe your agencies will be enough. Your the first XXXX I 'm writing. They advertising {$20.00} a month payments or less on the washer and dryers but its nothing like that when you get to spend. My payment went to {$65.00} to {$100.00} a month which is unreasonable when they advertising much lower. I was told that they try to apply through XXXX which is XXXX but they said no. But when I ask the bank they said that they did not even try. Believe me I was happy to get the washer & dryer. Okay do you think I 've been treated fair I do n't. Think they need to refund the {$300.00} extra they charged on the television 's. And drop the interest back to at least 21 % ... .give me copies of all contacts and let me see payments that have been applied. Be able to see my balance go down.
06/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77539	Web
I am in the process of purchasing a home that is under contract and scheduled to close on XX/XX/XXXX. I was approved for my loan when we got an alert that my credit changed. My loan processor checked my credit report and noticed that Conns reported my payments late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was surprised because I made an agreement with their debt collection company on payments that I submitted the day they contacted me. I immediately contacted Conns for an explanation on XX/XX/XXXX. They informed me to contact XXXX XXXX to discuss the account. I then dialed them and spoke to my representative ( XXXX ) who informed me my payments are not reflecting late. I then contacted Conns back and spoke to a supervisor. The supervisor said they would open a ticket to review the request for an updated payment history. I called numerous times throughout the next couple of days. I contacted XXXX with XXXX XXXX because Conns informed me that they needed proof the payments were made on time and for the amount we agreed with them. We agreed to make payments of {$87.00} monthly. I paid {$140.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX and an additional amount of {$300.00} on XX/XX/XXXX. I requested they send a breakdown of my payment history and payment agreement to Conns. They stated they sent it to their inner customer service department. I called Conns and they stated I needed to contact XXXX XXXX for the letter. However, i informed them I already had a ticket open with them to obtain this letter. The supervisor with Conns said he would get it to me. XX/XX/XXXX, I got XXXX with XXXX XXXX to send Conns proof of payment. I called Conns again for an update and they said the ticket comments show the request closed. This was not correct because I still needed a letter. I told them to open another ticket so that I could get this resolved. I needed a letter showing the payments were reported in error and they would correct them. XX/XX/XXXX, I spoke to Conns and they stated that the request was rejected because the debt collection company ( XXXX XXXX ) did not provide proof of our payment arrangements and the times they were made. XXXX stated Conns told him their account shows current and they would update the credit. I received a letter from Conn 's on XX/XX/XXXX that was a payment history report. However, I told them with the original ticket request that I need the letter to state my credit report would be corrected. I called on XX/XX/XXXX to inform them of the new letter I needed and they stated it wasn't an option. They then informed me they would only be updating a 180 day late report on my credit. Which didn't seem clear because I do not have a report for that amount late. This is directly keeping me from purchasing the house I have a contract on that I previously qualified for and now those late reports have dropped my credit beyond acceptance. They are not reporting my payment history accurately. I sent them proof of my payments made and that they were for the agreed amount with their debt collector.
10/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 708XX	Web
Conn 's Home Plus - {$4100.00} - allegedly opened XX/XX/2015 - charged off This company has adamantly refused to delete a fraudulent charged off credit card account from my credit history. I have submitted all necessary documentation to this company to prove that I never opened this account on several occasions but they claim every time they are holding me accountable. They have absolutely no proof that I opened this account, no proof that I made any payments on it, and no proof that I made charges to the credit card. There is no signature on the alleged contract and they failed to verify the identity of the individual who applied for this account. They confirmed on a recorded line that they never verify the identity of anyone who applies for credit cards online. They do not have a single law they can use to support this account remaining on my credit history. They have ignored numerous letters that I have sent them in the process of verifying this debt and they are unapologetic about the level of inconvenience that they have caused me. They are committing extortion by reporting this account on my credit history in an effort to coerce me into paying them money that I do not owe. They are defaming my character on my credit history by falsely reporting this account and it has caused irreparable damage to my integrity. I have been denied for credit, car insurance, jobs, and places to live because of this company. They have been completely uncooperative in having this matter resolved in a timely manner and the supervisors are negligent in managing their staff. Without a signed contract, they can not hold me accountable for anything. They have shared my personal information with 3rd party companies in this process, which increases the risk for more identity theft. I have never authorized them to run my credit report or obtain my personal information. They have never obtained a copy of my ID until sent it to them in the mail demanding that they delete this account. This company is making clear efforts to harass me and they have put my livelihood and reputation in danger due to their willful noncompliance, willful negligence, willful violations, and creditor misconduct. Louisiana RS 1122 under Credit Agreements to be in Writing says a debtor shall not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor. I have sent this company an Affidavit of Identity Theft, a copy of my ID, a copy of my social security card, as well as a notice of a fraud to verify that I have never authorized this account to be opened. When I called to check the status on this, they either say we are still holding you accountable or we have not received those documents. This company is abusing the dispute process in efforts to harass me and they have no regard for the problems that I have incurred as a result of their willful violations. Please instruct this company to delete this debt off of my credit report immediately.
06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75002	Web
XX/XX/2021 I called Conn 's to check on my balance and to make a payment of {$2400.00}. I can't remember right, but I think my balance was {$3100.00} before making my payment. I paid {$2400.00} to help me bring my balance down so I could finish paying my account before the expiration date of XX/XX/2021. After XX/XX/2021 if my account was not paid in full I would be charged interest. After I made my payment I asked the representative if this would help me pay balance off before the expiration date. The representative said yes and even lowered my monthly payments. I was originally paying {$260.00} and the representative lowered my monthly payment to {$250.00}. The representative told me I would only have 3 additional payments of {$250.00} and this would pay my balance off on time. I asked if there would be any additional fee 's added to my total and the representative said no. My payments were being automatically withdrawn monthly. I called Conn 's again on XX/XX/2021 to confirm my account would be paid in full before the expiration date of XX/XX/2021. The automated recording said I owed something like {$350.00}. I pressed the option to speak with a representative & asked what the additional {$100.00} amount was for. The representative didn't know what that was for. I asked to speak with a supervisor and even the supervisor didn't know what the additional fee was for. The first representative I spoke with agreed that my account should be paid in full after my last payment of {$250.00} on XX/XX/2021. The representative said she would request my account to be reviewed. She transferred me to her supervisor and he said the same thing. I was told to check back because it would take time to be reviewed. I called again in XX/XX/XXXX and the representative I talked to said the request was denied. She didn't understand why because with the documentation and the payments that were set up on my account should've closed my account. She couldn't tell me what the additional {$100.00} amount was for & said she would send another request to have my account reviewed. I called again maybe towards the end of XX/XX/XXXX beginning of XX/XX/XXXX. I was informed again that the request was denied and the additional {$100.00} was a processing fee. No one ever told me this on my previous calls. I requested a supervisor and the supervisor was going to call me back before the end of business day, but she never did. I called around XXXX on the same day the supervisor was suppose to call me. I spoke with supervisor XXXX and she told me there was nothing she could do. She told me this was in my contract and unfortunately it took me to correct her employees and this would not happen again.I told her about the conversation I had XX/XX/XXXX with her representative who even lowered my monthly payments. I asked if my recorded call did not matter and she said no. My husband and I have purchased several items from Conn 's in the past and this has never happened. We have never been told of a processing fee. I don't know what to do. Please help me
10/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60613	Web
In XXXX of XXXX I purchased furniture from Conn 's Credit Corporation. The total amount of purchased furniture was {$3200.00}, they added ( required ) insurance even though I had renter 's insurance and was told that I had to purchase this, and they financed the sales tax XXXX. The total amount became {$3900.00}, then they added $ XXXX an admin fee. Interest accrues on all of this. They contract states 36 payments at {$170.00} would settle the balance. That is a total of {$6100.00}. The day the first payment was due was XX/XX/XXXX and the original balance was {$4000.00}. I began making payments, but incurred late fees because they have some policy that states they will not send statements or emails when bills are due. They instead will only notify me if I missed the due date and incurred a fee. I am bombarded with texts and emails requesting different amounts on different days to keep or bring my status to good standing. I have attached an example of this deceitful practice where they sent me 2 emails within 24 hours with varying due amounts that do not coincide with the due date, so there is no justification for the different amounts other than it is made to look like they are " helping me '', then they emailed again 2 days later, different amount warning I was 30 days past due ( I had just paid them on the 10th ). A week later I get an email that I am 60 days past due. While I question the legality of this practice, that is not necessarily my issue. In XXXX I noticed that my balance had not gone down in the over 2 years that I was making my monthly payments. I called several times and was connected and transferred in an endless cycle. On one call, an agent said they saw that on XX/XX/XXXX an adjustment was made adding {$1200.00} to the balance. The agent said they would research and get back to me, no one ever did. I called again and was transferred again, while the agent was speaking to another agent to transfer I overheard them discussing that my account had been flagged with a " hot ticket '' and there was a concession to settle my account for {$3400.00}. The agent made no such concession when talking to me. When pressed on why my account balance was increased outside the parameters of the contract, I was advised that it was because the first year was " interest free '' promotion. I advised that was never on that program, never offered that, and was being penalized for not paying the balance off in the first year per the terms of a promotion I never had. This was a simple interest installment loan that clearly laid out the rate, interest, penalties, and payment structure. I have abided by this, but clearly Conn 's in committing fraudulent acts and invalidating the contract. I have my original contract, I have the loan ledger as reflected in their system. It clearly shows what I am saying, they have changed the terms and total of my furniture loan by thousands of dollars without reason or cause. They acknowledge they changed it, but instead of fixing it, they expect me to just keep paying them.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76901	Web
I got a washer and dryer from Conns on XX/XX/XXXX from sales woman XXXX XXXX It was suppose to have 0 % internet if paid in 12 months. I bought washer for {$1000.00} and dryer for {$1000.00} w 0 % for 12 months. Paperwork shows {$4200.00} financed w 31.65 % interest which was not told to me in store. Anotherdocument shows {$3100.00} amount financed which was sent to me by email by store after purchase date. The sales woman explained to me the 0 % interwtst as she held tablet she was reading from and then afterwards just had me initial all spaces that needed my signature. When appliances were delivered there was an issue with the new dryer maiming noise so they took it back and brought me another one same day. I was told the washer I purchased was not in stock and would take several weeks to get it ; however, the delivery men brought in a washer. I asked if they were sure it was my washer as I was told by 2 people in Conns they it had to be ordered. They said it was my washer but it was the floor model. They went ahead and set it up and informed me if had problems to contact store. I started a cycle in washer after men left and it would drain the water. I called and spoke to supervisor on duty at conns and advised that I was not buying a floor model at regular cost but in addition this one had problems so they needed to come and pick up both appliances and cancel my contract as I had 24 hours to do so. He stayed I would have to take it back. I said no its not my responsibility since you sold me faulty and not new appliances and that he would need to pick it up. I had no way to load the heavy appliances nor pickup truck. I advised I did not want any appliances from them after being treated the way I was. A week passed and bo one came. I made several calls but got the response that I had to take back. This went on for months of me setting on hold to only get reps whom couldnt help. I even offered at one point to settle for paying less and the supervisor never got back to me with an amount. Then in XX/XX/XXXX I get a letter stating they are suing me for price of original appliances plus all interest added for total of {$4800.00} from XXXX XXXX XXXX, XXXX. I disputed the charges with XXXX XXXX XXXX on XX/XX/XXXX advising it was not my debt and attached all documentation. The Cause No was XXXX. I received letter dated XXXX XXXX where a continuance was granted to plaintiff. Then letter dated XX/XX/XXXX stating that plaintiff Motion for Nonsuit without Prejudice granted by judge. My credit report shows Conns currently as a charge off for {$4300.00} as bad debt and status now states closed with no payment history. It had a negative impact on my score so I I disputed with XXXX stating that it should state disputed and amount were incorrect that were reported. They responded that it has been updated and now score dropped XXXX points. dismissed without prejudice. Conns has reported on credit report as a charge off for bad debt and no payment history for {$4300.00} and now states closed which is still incorrect.
11/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NM 870XX	Web	Servicemember
I was approved for credit through Conns XXXX XXXX with a XXXX mo no interest loan. purchase was made XX/XX/XXXX and was delivered XX/XX/XXXX ( TV and refrigerator ). At the time we were approved online, we then went to the store located at XXXX XXXX XXXX XXXX XXXX, NM. Due to covid, and what we knew we were getting as we called ahead of time, my wife and I remained outside while a salesman had brought his paperwork outside. He asked us if we wanted a warranty in which we did want a 3 year warranty on the TV. We told him no warranty on refrigerator and NOTHING else besides the TV, the tv warranty, the refrigerator and that was it. We knew we had been offered XXXX mo no interest. So approx, in XX/XX/XXXX I started questioning why I was getting NO monthly statement ( I continued to make monthly payments above what I knew the minimum payment was ). But I was receiving NO statements and this was concerning, so I had my wife, XXXX XXXX call and they told her the reason why there was no monthly statements was because she was making our payment through our credit union bill pay. In XXXX, my wife called to get the pay off and it wasn't the exact amount it should be and started questioning things. She asked again why we weren't getting a statement and was told that NOBODY gets a monthly statement. They also then admitted that I was being charged {$450.00} for property insurance, which I didn't ask for NOR did they offer to me. We found out it was indeed in the small print on agreement when I signed in XX/XX/XXXX. This is very deceptive and my wife was told that as of 2 weeks ago they had charged over {$67.00} for that protection and as of today it was over {$90.00}, despite on XX/XX/XXXX, she had our home owners policy agent fax a copy and same day, my wife emailed that proof to Conns and since that dad again they had charged me over {$15.00} more. Again, If I was given a monthly statement I would have been able to see what they were charging erroneously and could have dealt with this immediately! Yesterday, XX/XX/XXXX, my wife called again to get the pay off again, and ask for a monthly statement, this time she was told that she could set up online with Conns to see my statements. Today, XX/XX/XXXX, she did just that, she set up my Conns account and yet there was no financial information to be seen. She then called Conns XXXX XXXX ( XXXX ), the same number she has been different answers, and they told her today that there is no statement she can see online or get by mail or email. She told them she believed this was illegal and said she demanded to see my account activity, so the woman on the phone offered her a one time email to see my balance. I am furious that they have charged me nearly {$100.00} in property insurance, when I have property insurance and would not have elected to have this added to my bill ( attempting for me to pay {$450.00} total ). I am furious that Conns XXXX XXXX being in several states, doesn't give their customers a monthly statement, HOW IS THIS LEGAL??? XXXX XXXX XXXX
06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 714XX	Web	Older American, Servicemember
On XXXX I purchased a washer and dryer from Conn 's Home Plus Appliances located in XXXX, LA. I financed the purchase through Conn 's Home Plus in house finance department for {$2500.00} plus interest for 34 months. My monthly payment was {$110.00}. I set up auto pay through Conn 's Plus web site using my bank 's debit card to be drafted each month on the payment due date. In XX/XX/XXXX, I requested a pay off amount for this account and was told that {$1100.00} would pay the account in full. On XXXX I made an online payment using my bank 's debit card for {$1100.00}. My bank notified me on XXXX that Conn 's Home Plus drafted my account for {$1100.00} using my bank debit card that was on file on their web site without my permission. I notified my bank that the payment Conn 's drafted on XXXX was a duplicate. On XXXX Conn 's returned only {$1100.00} with no explanation as to why that amount. The {$1100.00} I paid to Conn 's on XXXX to pay off my loan was not returned and I assumed my account was paid in full on that date. On XXXX I received an email from Conn 's Home Plus that my account was currently due {$47.00}. I called and advised that there is an error on their part. I had paid off this account back in XX/XX/XXXX and that they should check their records. They opened a claim or ticket as they claimed but said they had never received any payment since they returned the {$1100.00} to my bank XXXX XXXX. I advised that XXXX payments were made in XX/XX/XXXX and only one was returned. They continued to say they never received my payment made on XXXX for {$1100.00}. I went on line and my payment records had been deleted from my on line account and now they have locked me out. I requested a paper copy of my payment records which they did send. Their records of my payments make no sense after they said they returned payment in XX/XX/XXXX. I went on and paid what they said I owed to protect my credit. I contacted my bank and they did a trace on the payments made to Conn 's from my bank account. They confirmed that Conn 's financial institution received my payment of {$1100.00} made on XXXX. The transaction ID # for payment made on XXXX by my bank was XXXX and transaction ID # for payment of {$1100.00} made on XXXX by my bank was XXXX. I gave all of this information to Conn 's and they still insist that they did not received 2 payments and had returned only the one they say they received although they could not explain the differences in the amounts and why my account has not been given any credit for the money I have paid since XX/XX/XXXX notice of amounts due. I stopped paying because Conn 's now owes me a refund for over payment. I need help in resolving this matter and it appears Conn 's Home Plus is not acting in good faith and keeping my money with no explanation why. I am attaching all of the documentation I have generated in this matter. What ever help your office can give will be greatly appreciated.
08/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85234	Web
on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89129	Web
Hello, I purchased a washer and dryer from conns home appliances in early 2021. The dryer had problems from day 1 with the door opening and barely drying clothes. We checked the exhaust vent but that was not the issue. When we went back to the store and told them we wanted a replacement for our faulty dryer, they told us the only option was to send out a repair technician and have them look at it. We refused and said we wanted a new one, but they told us the only way to do that was to return them, paying a 15 % restocking fee and buy new ones. As a result of this outcome I decided I was not going to do business with conns and elected to return them and buy a washer/dryer elsewhere. Unfortunately this was only the beginning of my nightmare. I moved forward with the return and had conns pick everything up from my house. We went to the store here in XXXX and spoke with the manager, who gave us a strong attitude about the fact we were returning these appliances. Regardless, we moved forward and paid the restocking fee. He also notified us we had to pay for the hoses as they could not take them back. We accepted and paid a return fee. Months later I started suddenly getting harassing phone calls from conns picking up the phone and directly getting to the point telling us we owe a balance of over {$1000.00} and asked me how Id like to pay. I refused and opened a case with conns where they told me it would be investigated. No one ever called me about the case, but they had no problem continuing to call me about a fictitious balance. Months continued to go by with no resolution to this case. We have several phone calls recorded where conns employees admit that in our account notes our account should be closed long ago. Skip ahead months later and Im now being harassed by collection agencies saying we owe over {$1400.00} to conns. I started a 3 way call with both of these companies which I have on record and will display as evidence as needed. The conns employee admitted once again that this account was supposed to be closed and the offline team will need to take a look. Again, we have this on recording too. I never got the phone call from the offline team, but I finally harassed them on their web chat for someone to look into my account further. They were very rude to me however I finally got them to admit that my account is supposedly not closed because of these 2 XXXX hoses that we were told could not be returned and were being paid for as part of the return. This is absolutely ridiculous as these were {$20.00} hoses and they should have been clear that this was the issue from day 1. The balance has been over {$1000.00} and increasing as they continue to charge me late fees. This company must be stopped, as they are thieves and conn artists ruining my credit and my ability to get a house for my family. If this continues much longer I will be seeking legal action for damages to my credit and well being.
11/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN XXXXX	Web	Servicemember
I have has this over a year almost 2, I can not get into there site for exact dates, because every time I try to access it there site refuses to let me in. the issue is that I was promised and guaranteed a loan for a XXXX smart tv, when a new store opened in my area, I was told that the price would be {$1400.00} interest free @ a payment of {$49.00} per month. THAT never happened. XXXX XXXX @ check out they had added over {$900.00} in add ons like protection service, warranty service and insurance incase of theft. I dealt with them for 7 hours to get most removed except the thief DESPITE the fact that I showed proof of renters insurance.. when it finally go time to go they had jacked up the payment 's to {$85.00} per month only 12 months free interest. There excuse was that credit declined the prop rate. despite me having a letter I hand that guaranteed ME the TV of $ XXXXXXXXXXXX per month. I should have left but I was without a tv. Being XXXX from a XXXX the wore me down and I think took advantage of me. the last time I was able to get into there system I had already made payment 's of between XXXX to XXXX dollars, YET they are showing that I still own over {$1600.00}. the bill is due on the XXXX of month and not late until the XXXX, is which when I always make my payment 's. YET they are showing on all 3 credit files that I have payed the bill several months late 3 or 4. I have sent then e mail after e mail about this, I have threatened several time to report them to you, the comptroller of the currency the state consumers protection agency 's. THEY last reply WAS GO AHEAD they ALL will side with US as YOU are wrong and we are CORRECT we dont make mistakes. SO what do I do now??? I can not get into there system Again so I can not pay my XXXX dollar payment. Last month it took over XXXX XXXX mails to them to get access, I re set the account wrote down all the access inform AND once again I can not get in the account. They do this so that they can XXXX and pillage customers. I need help with this, matter They need to be forced to honor there store opening promotion and guarantee. they need to be forced to remove all negative information form the credit files as there madness has causes 3 or my credit cards to cut y limits by XXXX 's of dollars my credit score had decreased between 30 to 45 points. I live on {$1100.00} per month ssd from a level XXXX XXXX. my rent is {$540.00} add utilities etc I have to decide to eat or freeze. There name Conns fits them quite well as they are conn XXXX. I have founds XXXX 's oc complaints about them doing this in every market they have stores in. I truly believe that the XXXX XXXX store on XXXX XXXX XXXX took major advantage of me one they figured out that I was XXXX and a us XXXX vet. the account number is XXXX there address is conns p.o box XXXX XXXX texas XXXX my name is XXXX o XXXX my address is XXXX XXXX p.o. box XXXX XXXX XXXX XXXXXXXX
04/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75241	Web	Servicemember
I purchased furniture from Conns on XX/XX/XXXX and I 'm totally disgusted with the quality of the furniture. I purchased a XXXX camel sofa, loveseat and chair, a XXXX queen size mattress with a box spring and queen frame. After tax, down payment, property damage insurance and finance charges, the charges totaled {$2800.00}. I 'm on a 30-month payment plan and so far, I 'm halfway through paying for this junk. Within a few months of having the furniture, the legs on the sofa, loveseat and chair broke. And the mattress had severe depression in it. I had to call the repair technicians five times for repair ... three times to repair the sofa/loveseat/chair for the same broken legs and flattened seat cushion, and twice to examine and then replace the queen size mattress. The sofa continued to have the same problem with the legs but I had XXXX in XX/XX/XXXX and was unable to deal with the repair at that time. My recovery was slow but I was able to call Conns back in XX/XX/XXXX about another sofa repair for the same issue but I was told that the manufacturer 's warranty expired on the furniture in XX/XX/XXXX. And, I was told that the only option I have is to purchase an extended warranty or pay for the service repair if a technician comes out. I 'm not doing that. This furniture is n't worth me spending any more of my money on it. The last time the sofa was repaired back in XX/XX/XXXX, I was told by the repair technician that a lot of their customers have the same problems with the XXXX sofa set that I purchased and that the company will try to repair it before replacing it. My set should have been replaced but each time the technician came to my house, he repaired it but I keep having the same problem. The wooden dowels in the sofa are small and the repair tech only replaced XXXX dowel in XXXX leg of the sofa ... but even it broke again. And, the depression in the replacement mattress is worse than the depression in the original mattress. I was told that there is still a warranty on the mattress so I 'll call repair to try to get the mattress replaced a second time. On Monday, XX/XX/XXXX, I was told by XXXX, a customer service rep in the XXXX, TX corporate office that it 's my ( the consumer 's ) responsibility to notify the manufacturer about faulty merchandise. I told her it 's Conn 's responsibility to stop selling this faulty junk especially when they know it 's no good. There has got to be something that can be done because Conn 's is taking advantage of consumer 's who are credit challenged by providing them with poor quality merchandise. Since the mattress is still under manufacturer 's warranty, I 'm going to attempt to get a better mattress this time but I need to know if there 's something that I can do about the furniture set - It should have been replaced but because the technician did n't make the recommendation, they wo n't do anything about it. PLEASE HELP!!!.
05/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85213	Web
Went into Conn 's XXXX XXXX to buy a gas stove and queen size mattress and box spring in XXXX. The mattress and box spring were not delivered being too big for my room. The payment amount for all three of these items was XXXX. I told Conn 's I am not going to pay that amount as I don't have all those items. I was advised to go into the store items were purchased and have them remove the mattress and box spring to get my payment lowered which I did ( XX/XX/XXXX ) and spoke with Store Manger XXXX XXXX. My payment went down to {$81.00} effective XXXX XXXX, XXXX. All payments have been made on time. Conn 's is refusing to accept this contract stating I had a prior balance and the manager did not add to the new contract thus it will not be accepted. The store manager did not see any balance owing and neither did. ( see attached ). So because of this Conn 's has been reporting me late every month to the credit bureaus as I am not paying the XXXX/month but am paying the new contract with just the gas stove ( attached ) for XXXX/month. Conn 's Credit Bureau Administrator also was contacted and acknowledge this new contract but still saying delinquency still valid. How? I make my payments on this new contract on time every month. My credit has been ruined beyond repair as now all my credit cards have dropped by Credit Line bringing my original score from XXXX to almost XXXX all because of Conn 's reporting inaccurate information. If they feel an employee made an error in transferring some amount they say I owed that is not any fault of mine. I am paying what the Store Manger stated I owed now on the gas stove monthly and make all payments on time. So not only are they reporting delinquency on payments but the amount they are stating I owe is also inaccurate. I called Conn 's XX/XX/XXXX to make my payment and the CSR XXXX put in a ticket as she seen three contract two which have been closed out as paid, the one for the XXXX amount and in another system the current one with the correct amount and balance owing ( attached ) she stated she did not know why it was not in the main system and thus filed at ticket. How do you ignore a signed contract and then say you are going to pay for the one with items you don't even have and then report me as late to the credit bureaus absolutely running my life right now. This has called unbelievable emotion distress and defamation of character as I have worked so hard on my credit building it up only to have it knocked down by something of no fault of mine. Why would I pay all my creditors on time and ruin it by not paying one? I have also attached the letter from Consumer Relations Ms XXXX who stated that " I deserved '' to be reported late and acknowledged that I did go into the store and signed a new contract. I don't want to have to get an Attorney I want Conn 's to admit their mistake and correct.
07/25/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AZ 851XX	Web	Older American
I purchased a Washer {$790.00} Dryer {$790.00}, Hoses {$50.00}, Compact Air Conditioner {$410.00}, Headphones {$350.00} Steam Vacume {$240.00} Microwave {$170.00}, and installation {$110.00}. plus taxes total of {$3400.00} When I went into the store to purchase these items I had a {$2000.00} line of credit but as I was shopping and running out of credit the salesman said you have enough and approved me for another {$1000.00}. They had a promotion that week for 2 years no intrest. I was told that I would be getting the contract by e-mail that night or the next day. What I received about 2 weeks later was a payment book with the amount of {$190.00} to be payed monthly, I received no contract even though I called them after delivery of the microwave, washer dryer, which was delivered 2 days after purchase. around XX/XX/XXXX. My call to them was that I was being charged over {$6000.00} when I only had {$2000.00} credit! Also they delivered the wrong washer, Also they added an Insurance Plan which I did not authorize in the amount of {$3100.00} from XX/XX/XXXX to XX/XX/XXXX at {$44.00} monthly. The person I spoke to when I called the 1st time could not help me since she could not locate a contract #, or purchase order # or anything for that matter. So I called them back a week later and the answer was to go to the store that I purchased these things at and bring a homeowners insurance policy to show that I am covered in case something happens to the items. And then they would cancel the insurance that they charged me for. According to their rules I had 30 days to send back anything I did n't want. But as of today I have still not received a contract. Nor did I get the 2 years no interest this I got from the person I spoke to on the phone.. I told her that I am XXXX and do not have anyway of bringing these items back to the store and it stated on their website that they would pick up these things but with a 15 % restock fee which they wanted upfront. { not stated on their website }! So all together for a purchase of {$3400.00}. I got a total bill of over {$6000.00}, but no contract specifying the purchase prices, the type of financing, interest and term or any other terms and conditions, just a bill incorporating many extra insurance products for an amount exceeding my credit limit by an extraordinary amount and further no creditor would extend that much credit to someone who lives on {$800.00} a month social sercurity XXXX, the income would never support it! 2 or 3 days after I made the purchase, I contacted Conn 's and told them to pick up everything except for the microwave. But they have not come to pickup anything, and I can not bring them to the store. All of these things except for the microwave, washer and dryer and air conditioner have not been used and are still in the original boxes.
10/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85303	Web
I have been provided in trying to settle this account, Account # XXXX - Reference # XXXX - Settlement Amount XXXX. I have been in talks with XXXX XXXX XXXX since XX/XX/2018 and to date my credit report has not been updated correctly to reflect the corrects status on my account. XX/XX/2018 - I agreed to the terms of the settlement XXXX offered and I paid the account in the amount of XXXX. I was assured by XXXX XXXX that my credit report would be updated as a settled account with a zero balance within 30 business days. XX/XX/2018 - I received a letter stating the account was paid in full from XXXX XXXX. XX/XX/2018 I was contacted by a XXXX XXXX from XXXX XXXX XXXX XXXX who was seeking a settlement for the Conns account I had just settled on. I explained I paid the settlement offer through XXXX. Mr. XXXX asked that I send my documentation to him at the XXXX. I did this on the very same day and I have attached the emails as proof. XX/XX/2018 I contacted Conns and I spoke with XXXX I explained my situation and she gave me an email address for a XXXX. She suggested I send her all of my documentation and that XXXX would recall the account back from XXXX and then they could update my credit report. She stated Conns received the funds and proof of my payment from XXXX on XX/XX/2018 and that all that was needed was the account be recalled back to Conns. XX/XX/2018 I contacted Conns and they said I needed to call XXXX because they claimed they had no information on this issue. I contacted XXXX and I spoke with a supervisor and they assured me they had already returned the account back to Conns since they had nothing to collect and I would need to speak with Conns. XX/XX/2018 I called Conns again and explained my situation and they stated I should contact XXXX XXXX because she had all of my information. I also told Conns that XXXX assured me they had returned the account to Conns. I was told Ms. XXXX would call me back and she never called. XX/XX/2018 I followed up with Ms. XXXX XXXX via email to which I received no response. XX/XX/2018 I called Conns again with my loan officer as a three way call in hopes that having a third party would assist in getting this resolved. My loan officer asked several questions and recorded the call and we were assured this would all be resolved within 72 hours. XX/XX/2018 I called Conns again with loan officer as a three way call and we were told this would be resolved within 24 hours. I have been dealing with this issue since XX/XX/2018. I would like my credit report updated to reflect this account as settled and has a XXXX balance. I have paid the account per your settlement terms and I have been more than patient while I have been getting the run around from your office.
11/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78240	Web	Servicemember
On XX/XX/XXXX, my husband paid the remaining account balance of {$2500.00}. The transaction withdrew from my account on XX/XX/XXXX. On XX/XX/XXXX, we called and asked to get a XXXX-balance verification. Conns stated that they did n't show the payment being made. We were then transferred to the customer service line. The individual we spoke with stated they would start an investigation and requested a copy of our bank statement be emailed to them. We emailed it to them immediately that same day on the XX/XX/XXXX. We spoke with customer service again on the XX/XX/XXXX. They originally stated they could not find the bank statements, but were able to locate them. On the evening of XX/XX/XXXX, I went into the XXXX store location at XXXX XXXX XXXX XXXX XXXX XXXX, TX. I brought a copy of my bank statement in hand. I asked to verify my account balance. It still showed {$2500.00}. I asked the representative to please speak with the manager. She leaves only to come back and dial the customer service line. I advised her that I had already spoken with them and did n't feel any progress was being made to please get the manager. She hands me the phone to speak with customer service. They again stated they would look into it. I suggested that I could have my bank send them something directly or I could pay to have the bank notarize a statement. I expressed my urgency ; needed this verification by XX/XX/XXXX. She stated she could n't help me. I can understand needing to verify that I made payment. I do not feel it 's appropriate for them to allow the customer to feel the consequences of their mistakes. They knowingly admit to the fact that I paid the balance. What they are " investigating '' is what happened to the money after they received it. All while leaving my account open and telling me multiple times I still must make payments until rectified. The manger never came to speak to me. The manager did not even acknowledge I was there. I waited 30 minutes. I this point I 'm fairly certain that a simple accounting error would have been corrected in 48 hours or less. I 'm worried now that either the associate stole my payment or appropriated it to someone else 's account. Either way they have no sense of urgency about correcting it. I again called the customer service line on XX/XX/XXXX, I asked for an email or letter stating the situation and that it is being investigated. The customer service manager stated that they would not comply due to liability issues. Yet they have no qualms with holding me legally responsible to make payments on a now fictitious account. This situation has been verified to be an internal problem. It should have been handled internally. This is not only poor business ethics at some point it becomes theft.
09/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85035	Web
I bought furniture from the Conn 's in my area in XX/XX/XXXX. Everything with the furniture was perfect the problem is with the company 's customer service skills and lack of empathy on their cardholders. I had a baby on XX/XX/XXXX and that caused me to be out of work for a couple months. I had half my income coming in and my husband was n't working at the time. I had bills to pay and Conn 's was XXXX of them. I called all my other creditors and they were able to help me in regards to my situation. Conn 's on the other hand, was very rude, and did n't want to help in any way shape or form. I tried my best to pay the bill but unfortunately fell behind on payments for about four months. They would call my cell phone number so many times a day I had to block all the phone numbers they called me from. This went on for months, even after I would answer and ask them to stop calling and to see if we could work out a solution because it did n't want to stop paying them. I did n't want to ruin my credit or get my furniture taken away. Since the collections agents did n't want to help I just decided not to answer anymore and just call customer service. I called numerous times, spoke to managers but they were as rude as the customer services agents. The loan was 12 months no interest, which expired in XX/XX/XXXX. I was n't aware that if I had a missed payment I would get all the interest charged on the account. Well back to my four months of not being able to make payments, I got hit with so much interest that i ended up paying more than the furniture was worth when I got my income taxes back. I called the company to see if they were able to help me with some of those charges because i was ready to pay them in full if they were willing to work with me on that. After struggling with an insensitive customer service rep I asked to speak to a supervisor. The supervisor said there was nothing she could do and that I had to pay the full balance. After arguing with her I decided to be the bigger person and just agree with her and pay the balance in full. I asked her to send me a letter of confirmation saying the balance was paid in full and to close my account. She sent me the letter and closed my account. I 've been receiving letters from the company still, after I asked my account to be closed, that I have some credit available to make purchases. It does n't make sense to me if I close an account i should n't have an open line of credit. I 've tried to call the company to stop sending me those things. They do n't answer their phones. there are no messages saying there are closed, it just rings for awhile then the call drops. This company is very unprofessional and rude. I do n't want anyone else to go through what I went through.
07/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75070	Web
On XX/XX/XXXX I called Conns Appliances Inc collections department to pay the balance that was owed and clear the debt owed to the collector. After speaking with one of the representatives and getting a manager involved, they decided that I could settle for less than the full amount so that I could fulfill my debt obligations. I asked what would be the amount that they agreed to settle on and both the manager and representative stated the amount would be {$890.00}. I agreed to pay that amount and required written documentation that after the payment was made, they would report to all 3 credit bureaus that my account was paid in full and that it would be deleted from my credit reports as well. The manager assured me that as soon as my payment is processed that I would receive an email notification and a letter in the mail that my obligations has been fulfilled and a request for deletion has been sent to the credit bureaus. I asked for at least an email prior to my payment so that I could feel confident in them fulfilling their obligations on their end. The representative stated that the email and letter to be mailed would only generate after my payment was made. They assured that they would request for the credit bureaus to update to show paid in full/settled for less than the full balance and to be deleted also. I gave in to their pressure and words affirming what they would do and I made the payment. I have attached my receipt of payment for review of fulfilling my obligations. As of today, they did not follow up on their end of the deal. I have yet to receive an email or a letter in the mail regarding my payment and the fulfillment of my obligations with taking care of my debt. My credit report not only shows that I am in charge off status, but they turned around and reported 51 collection months XXXX. Before I made a payment, my credit report only showed XX/XX/XXXX in collections and my account showed closed due to collections. My XXXX XXXX has even dropped over 50 points because they went back and added moths of negative reports in collections XXXX and are currently still reporting that I am in collection status. How is this possible when I made my payment on XX/XX/XXXX? The account status shows a {$0.00} balance and closed, but they are still reporting negatively and have me in charge off status. I have tried to contact Conns Appliances Inc several times to have this updated, but everyone has been extremely rude and states that there is no account on file for them to update as everything has been closed out. I would like my account to be deleted and updated with all 3 credit bureaus as this has been a horrible experience trying to pay the debt that I owed and have my credit reports reflect properly.
09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	VA 23860	Web
On XXXX I called Conn 's Home Plus regarding my account. I was not aware that I was past due. I was committed to the hospital and then transferred to a XXXX XXXX. I myself was unable to make payments due to my hospitalization. I asked my mom to make sure my affairs were handled however they weren't. My mail was forwarded to my current facility in which I received collection letters. I also received alerts once my phone was given back to advise I was reported past due. The alert shows as follows : Credit Alert Delinquent Account Reported By CONN APPLIANCES , INC. Reported On XX/XX/2023 I then checked my credit report and the account shows as follows : CONN APPLIANCES, INC. 30 DAYS LATE Personal Loans {$1100.00} Status Date Reported XX/XX/2023 Payment Status 30 Days Late Amount Past Due {$45.00}. I called XXXX and made a payment. I advised the representative that I had been reported past due to the credit bureaus and asked if Conns did goodwill credit reporting. I stated that I am requesting a goodwill credit report update because I had never been 30 days late and was unable to pay due to my hospitalization. The representative and supervisor told me that a request was made and to call back Tuesday. However, I just called back today on XXXX and was told by two different representatives that the loan servicing department said they show no late payments and if my credit report did I had to send a copy of my report to : XXXX. This contradicts my calls on XXXX and my credit report. However, I sent the email and now I am filing a complaint. Per Conns latest email it states : XXXX XXXX ( Conn 's HomePlus ) XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, Thank you for contacting Conn 's HomePlus concerning your inquiry. We appreciate the opportunity to address your needs. The 30-day credit mark is NOT reflecting on the account as it was recently changed. It will not reflect on the credit report until the account reports at the end of this month. The report that was pulled will not reflect the change. Again, it will not be updated until the account is not reported at the end of the month. If you need any further assistance please contact us at XXXX. Sincerely, Conn 's HomePlus My score dropped XXXX points. Each credit monitoring service I have shows me being 30 days late. I know that major credit card companies have a goodwill credit report request policy. So it is very disheartening given my circumstances and no previous 30 days late that my request can not be accommodated. Today is XXXX and late payment is still reflecting on my credit report, per the email sent from conns above I was advised : It will not reflect on the credit report until the account reports at the end of this month however nothing has been updated
07/08/2020	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77433	Web
To whom it may concern ; XXXX XX/XX/2020 I received an alert on my credit report stating Conn Appliances had reported a missed payment. My monthly payments are due every XXXX of the month. My payment prior to this date was made on XX/XX/2020. On XX/XX/XXXX, I called Conn 's customer service phone # and processed a payment over the phone I asked the rep what my balance was to bring my account current because I knew I owed XXXX but it wasn't 30 day 's late. She said {$150.00} and that would put my account at a {$0.00} balance. My account should not of been reported 30 days, especially by them reporting it on XX/XX/2020 it hadn't been 30 days. On XX/XX/2020 I called to speak about this matter they stated I needed to send an email to dispute the issue. Which I did, I called a few days later XX/XX/2020 and the rep I spoke to stated Conn 's did not report a missed a payment advised her they did and also let her know I sent an email about this issue. She looked into and she did see my email and stated the email was sitting there unread but she would fwd to the right department but she could not give me a time frame of when it was going to be reviewed. A week later XX/XX/2020 I called back and spoke to XXXX XXXX Employee ID # XXXX from the billing department he reviewed my account and he stated this was an error by Conn 's and he stated I would received a letter via email stating this matter had been taken care of. He asked me to call back within 72 hours in case I did not receive it. I didn't receive the letter, I called back XX/XX/2020 and spoke to XXXX a ( supervisor ) she stated she needed to send the account to " Maintenance '' to update billing and she would make a note for the credit bureau department that this was in fact an error. She also stated the issue would be resolved within 72 hours. She wasn't sure on the letter to my lender, but she assured me she would call me back same day to confirm. If for whatever reason I didn't answer she would leave a voice mail or call back again. I was off of work that day and had my phone on me all day and she did not call me back. I called back today and spoke to another ( supervisor ) she stated she needed to further review my payment 's on the account because she notice XXXX 's payment was NSF I'm not sure why because on my bank account it was drafted. She stated she would get back to me by the end of next business day. I have been getting the run around on this matter for the past month and no one, not a rep nor a manager have been able to resolve this issue. If my account was in fact late why didn't I get a written document via email or mail or a phone call. Attached are copy 's of my bank statements from 2020, including XXXX 's draft!
08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CONN APPLIANCES INC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CONN APPLIANCES INC Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
08/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ XXXXX	Web
i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.
09/22/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AK 997XX	Web	Servicemember
I had a loan with CONNS XXXX XXXX. I had gotten a loan for furniture for an original balance of XXXX XXXX I had paid them from XXXX of XXXX until XXXX of XXXX. During all that time my original balance never changed. I attempted to contact them to resolve issues and always would. Talk to a rude abusive customer service representative. When I was late I would get constant calls at all times of the day. The calls would frequent from calls every other day to every 3 days. When I didnt answer or told them to stop calling me and that I didnt have the money at the moment and would pay it in a couple days when I got paid or would be willing to return the merchandise and pay the fee they got aggressive with me and werent willing to work with me so I told them I was just going to deal with it being charged off with a different agency since I knew I would actual be able to pay it down instead of my money disappearing they not only continued to call me but started calling my work. The emails would frequent just as much as the calls. Once it got close to it going to a collections agency I started getting emails saying it was in pre-legal status and then legal status. Finally my account was charged off and given to a collections company however I recently started getting emails saying they pulled it back temporarily and I should pay them ( This was yesterday XX/XX/XXXX ) When my account finally charged off and closed. There was a balance of XXXX $ despite all the payments made from XXXXnow the balance never went down it only was more then the original. Also each time I disputed the dates in which I was late it changed. When I would receive phone calls initially I was more than willing to work with them. However if I was busy and I said I would call them later to resolve the issue, the mitigation/ customer service rep would aggressively yell at me to pay and give them my card info. During the year of XXXX I was in XXXX and had a hard time making payments due to lack of service so I was making them as much and as soon as possible however they would continue to berate me during the phone calls. I would also like to state I never received any paperwork at any time in the mail or in writing. I would have had no problem dealing with them if they hadnt contacted me so aggressively, actually applied my payments to my account instead of pocketing it and didnt make calls to my work ( Im in the military so the office phone gets answered by anyone in office so they embarrassed and harassed me in front of my co workers. ) I shouldnt have to argue with a representative in customer service about calling later to resolve an issue if I dont have the time at that current moment.
04/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78413	Web
I purchased a computer bundle and a XXXX inch TV back in 2014. The salesman sold me insurance in case if the items I purchased broke. My TV 's screen broke. I called Conn 's, they sent someone to check the TV. It could not be fixed. Through XXXX, I was able to work things through. I was told to go the store here in XXXX to get my TV. When I went to the store, I was told the TV was discontinued and could not get it anywhere else. They told me I had a little over XXXX to get a TV. As I looked for something that would be acceptable, the salesmen where trying to convince me to buy something bigger. I picked a TV that was less than was given. The difference in price which I expected to be applied back to the account, the manager denied. I waited to get the TV, The TV they brought was not in a box and rapped in plastic paper. " for protection '' I asked him what was that, he said it was the TV I picked. I was informed that TV was also discontinued and that was the TV on the floor. I told him I was not going to take that TV home and left. Through many calls to XXXX, I decided to get the replacement TV. A different salesman helped me. I picked one and went to get the paperwork done. I was informed by the salesman that in order for the TV to work I needed a special cable which cost quite of bit but they had this package which included the cable and the mounting kit to put the TV on the wall. I said ok. AS THE SALESMAN WAS DOING THE PAPERWORK, I TRIED TO PAY IN CASH FOR THE MOUNTING KIT AND HE SAID HE COULD NOT TAKE THE MONEY. NOT ONCE HE SAID IT WAS A NEW ACCOUNT. AT THAT TIME HE INFORMED ME EXTRA CHARGES AS ADDED TO THE ACCOUNT WHICH INCLUDED INSURANCE FOR THE DURATION OF THE LIFE OF THE ACCOUNT IN CASE THE ITEMS WERE STOLEN AND OTHER CHARGES. HE SAID IF I HAD HOME OWNER 'S INSURANCE, I WOULD BRING IT TO THE STORE AND THE EXTRA CHARGES WOULD BE TAKEN OUT. I TOLD HIM WAS NOT AWARE THEY DID THAT. HE INFORMED ME IT IS ALWAYS DONE. I HAVE HAD MANY ACCOUNTS IN THE PAST 12 YEARS AND NOT ONCE I WAS INFORMED OF THESE CHARGES. I HAVE HAD HOME OWNER 'S INSURANCE FOR 15 YEARS. TODAY, I CALLED CONN 'S BECAUSE I WANTED TO REDUCE THE MONTHLY PAYMENT. I WAS INFORMED I COULD NOT REFINANCE BECAUSE MY ACCOUNT IS NEW. IT WAS MY DECISION TO INCREASE THE PAYMENT TO {$200.00}. IT WAS NOT THE AGREED AMOUNT WHEN I WENT TO CONN 'S. I DID NOT AUTHORIZED THE SALESMAN FOR A NEW ACCOUNT. I WENT TO PICK MY REPLACEMENT TV. CONN 'S STORE IN XXXX XXXX STOLE FROM ME BY WITHHOLDING INFORMATION THAT WOULD DECREASED MY DEBT. I HAVE SPENT COUNTLESS HOURS TRYING TO GET ANYONE TO SOLVE ALL THE ISSUES WITHOUT SUCCESS.
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK XXXXX	Web	Servicemember
XXXX XXXX, XXXX I purchased a washer and dryer set and a king mattress set from Conn 's. The XXXX pymt was XXXX. For the first 11 months I made the pymts before the due date between the XXXX-XXXX of the month. XXXX XXXX, XXXX. I called to asked what is the pymt amount. This was a 12mos no finance deal so I was meticulous with my timely pymts. The agent told me and I gave them a check card number. The agent must of gotten a few numbers mixed because the monies was not taken from my acct. So I called back on the XXXX to find out why pymt was not taken and I had discovered the mistake on Conn 's end. So I gave the agent that day my card number again this time I had them to repeat the numbers back to me. I asked for a letter to be sent out that the matter was settle and I was told that I would receive this letter. XXXX an amount of {$2200.00} was withdrawn from my acct. However, I have never received a letter. My thoughts were ( I have my bank statements, confirmation numbers, and the original contract ) About XX/XX/XXXX I started getting calls from an unknown number. This number would call me every single day, holidays and weekends up to XXXX a day! XXXX XXXX I started keeping track of conversations with conn 's when I found out this is who was calling. I was shocked. I told them all that I said above the agent agreed that my acct should be closed and not sure why it is still open. I have these recording of my conversations with them. Which is about XXXX all recorded. The XXXX time I spoke with an agent they said that my acct was open for a {$25.00} late fee. I told them the above stated and not to call and harass me anymore. I have never received any correspondence from Conn 's until XX/XX/XXXX and if there is a spot to upload these letters I will. Last this company has reported me to the bureaus XXXX times and each time and the letters are MAJOR discrepancies. In less than 3 months and after I asked conn 's to stop harassing me they have called me a total of XXXX times! I have screenshots and recordings and all my records to support my claims. My thoughts besides that this company has shady business practices and behaves horribly is that they thought that they can extort monies out of me because this debt is over a year old and most people do n't have records. Newsflash and I am so proud to say that I have EVERY SINGLE DOCUMENT. LOL another thing Conn 's call from more than XXXX numbers also I 'm glad that my bank statements were too large to upload and the page froze. However you can see my log book where I keep acct of my bills note next to conn 's is the confirmation numbers.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77584	Web
In early XXXX I contacted Conn 's Plus to get current on my account and set up Automatic Draft payments. I was preparing to repair cy credit. At that time, I was told that I can only set up Auto pay draft for 6 months at a time. Well at the end of the 6 months, I was never notified that my last payment was taken. Therefore, my next payment was never taken ( XXXX ). Again I wasn't notified. Once I realized a payment had not been taken, I contacted Conn 's once again to set up Auto pay draft. My monthly payment is {$140.00}. XX/XX/XXXX, they reported my 30 days late. Not sure why, I called. They mentioned the late payment from XXXX. not being drafted out of my account. ( they reported something from XXXX in XXXX ) They then assured me I was indeed enrolled in the Auto pay. I was still confused. I asked if they would reverse that late payment on my credit. They said they would dispute it, but nothing happened. Now XX/XX/XXXX ... they report me again as a late payment. This - just days after drafting my payment out my account. I called once again. Now a different customer service rep tells me that I was behind by {$180.00}. How is this possible? I ask. She then tells me that although I am enrolled in auto pay draft, they are only taking out a payment of {$120.00}. I asked how and why would they not take the full amount of {$140.00}. She had no answer. Just ... '' not sure why that happened '' and an apology. I asked again if they can reverse those reported late payments since this an discrepancy on their part. She told me to contact a credit specialist. I asked to speak to a supervisor. He then confirms what she said about the error of them not taking the full authorized amount, apologizes again, then proceeds to ask for a payment to get current. I agree to pay the balance of {$180.00} to get current. While on the phone with the supervisor, he updates my file to take the FULL amount of {$140.00} for future payments AND the also offered up an option of 1 year auto pay setup. Not only did they not give me the option to set up auto pay for a full year, I was told a number of times that 6 months was as far out as I can go with setting up my auto pay draft. Next issue is they made an error on how much they draft out my account, which resulted in me having a past due balance and them reporting me as late on my credit. Of all the times I called before, no one ever mentioned to me a balance due. I begged and asked them to please remove those late payment from credit, but to no avail. This was a negligent error on Conn 's part, and they are not willing to rectify it.
07/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29607	Web
I recently ( XXXX/XXXX/XXXX ) financed new bedroom furniture with Conn 's Home Plus ( " Conn 's '' ). While I am highly satisfied with the quality of the furniture I purchased, I can not say the same for their customer service record departments. I was advised by the store at time of purchase that if I provided proof of homeowners/renters insurance I would not have purchase their insurance policy. I provided such information ( in the form of multiple emails ), and can provide proof if needed. I subsequently received my Truth in Lending statement and follow up correspondence which showed the additional insurance being included. I had to again ( for the third time ) provide the declaration page of my insurance before the policy was finally removed. This brings me complaint today. My due date is the XXXX of each, with a grace period until the XXXX. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call at XXXX EST, and was left an automated message to contact Conn 's regarding my account. By leaving the automated message this is considered " contact '' under the terms of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p ) of XX/XX/XXXX ( " FDCPA '' ), and reaffirmed by XXXX v. XXXX XXXX XXXX , XXXX in XX/XX/XXXX, and no further call should have been made within that day. I received another call yesterday ( XXXX/XXXX/XXXX ) at XXXX EST, with the same automated recording. This morning at XXXX EST ( XXXX/XXXX/XXXX ) I received a phone call again from Conn 's and was lucky enough to speak with a live representative. After verifying my information he immediately advised that the payment of {$190.00} was due, and asked how I was going to pay it today. I explained to the gentleman that since my due date fell on a weekend I would set it up via bill pay today, I also explained that I am with my within my grace period and did not appreciate the multiple phone calls. He stated he would note the account that I was going to via bill pay, and the conversation ended. At XXXX EST this morning ( XXXX/XXXX/XXXX ) I received both an automated " Friendly reminder '' text message, and an " Important Message '' email from Conn 's. To me this consuetudes harassment, and is a direct violation of the FDCPA, specifically, 806. ( 5 ) - Harassment or Abuse ; '' Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " I have documented proof of all of the above listed allegations, and am willing to provide copies/screenshots if requested.
05/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 900XX	Web
I went to get a laptop from Conns, They approved me a line of credit for {$3500.00}. I got some items for about {$3400.00}. I was told after the calculations that my bill will be {$86.00} per month but with warranty it will be about {$120.00}. I went home to find out the laptop was already open and had someones log in. I took it back to the store and they apologized and gave me a new one. I came home and got a payment booklet in the mail showing a {$17000.00} balance and $ XXXX monthly bill. I called the store to let them know, they transferred me to corporate. A manager named XXXX apologized and told me it was an in house error and it will be fixed withing a week with a new contract. She said the old one had to be cancelled. 3 weeks rolled by no feedback. I called to let her know my bill is due and I have to pay to avoid having a late. she said not to pay because the contract has been cancelled and they are drawing a new one. another 3 weeks went by, this time I start getting calls from Conns saying i am late on my payment. I asked the same lady XXXX that if the old contract is cancelled why do I get calls about a late payment. she told me not to worry it will be sorted soon. soon turned to 3 months and XXXX was no longer at that location. I now got to speak with another manager XXXX who said it will be done soon. They reduced the bill to {$12000.00} which was still not what I owed and by this time they had my reported to the credit bureau for late payments and collections. I even offered through email to pay off the balance and have them credit it to my account since they are saying I owe and then they also say there is no contract, but they refused stating the calls will be stopped and I will not be bothered again. They did not stop the calls. The harassment went on. I offered to return the items and just have them pull off the delinquent credit report. they said no. I had paid off all my credit cards per arrangement with m y credit union to get a house loan and a business loan. that has screwed it up until today. Conns has not removed the false report on my credit and have not fixed the balance. When o told them I will get an attorney, they panicked and one of the managers sent a message that was meant for Conns in house saying because I am threatening legal action they should act quickly. Looks like that still did not help. This has caused so much trouble with my credit, my business, my health and not even a word of apology from Conns, I am still working with an attorney to get this resolved. I feel like I am in a bad dream.
12/04/2017	No	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77581	Web	Older American
XXXX/XXXX/XXXX I was advised to come to XXXX XXXX XXXX, XXXX, TX XXXX to exchange laptop computer with damages under warranty. Manager advised to pick out new computer, he assigned salesman to execute warranty agreement. Salesman did not explain that new warranty included cost nor did he discuss terms of new installment agreement I was asked to sign, nor did he give me a copy of paperwork. I was under impression paperwork was simply for exchange and had no idea cost was involved. XXXX/XXXX/XXXX received late notice from Conn 's in regard to new acct for XXXX per month on XXXX warranty acct. I had no idea what this acct was for, contacted Conn 's and after hours on phone was able to reach XXXX XXXX in customer service XXXX/XXXX/XXXX. She removed 1/30 days late on acct and offered to refund all payments and close acct. I asked her to add my phone number to acct. so that I would receive notices when payments were due.XX/XX/XXXX Salesman asked if I wanted new acct with XXXX XXXX, I advised no and do not pull my credit. He inquired on my credit and opened acct against my express wishes. I discovered this acct in reviewing my credit report from XXXX and advised XXXX XXXX with Conn 's about acct opened without my permission on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX contacted Conn 's and learned that warranty acct was over 30 days late. I had received no notices from Conn 's as requested XXXX/XXXX/XXXX. Made arrangements for extension and paid on XXXX/XXXX/XXXX, was advised by Conn 's no late would be reported to credit bureaus I was protected as a victim of Hurricane Harvey. XXXX/XXXX/XXXX received notice from XXXX that 30 day late was reported to bureaus on acct # XXXX by Conn 's. I called and emailed XXXX XXXX, Conn 's Customer Service several times requesting 30 day late be removed as agreed in arrangement XXXX/XXXX/XXXX. I also included Service Agreement Cancellation Request to cancel warranty and refund all payments AFTER XXXX removed. I also advised that XXXX XXXX acct was closed by me and that it was opened against my wishes. Requested inquiry be removed from all credit repositories,. To date have received no response to phone calls or emails to XXXX XXXX in regard to Service Agreement Cancellation Request, 30 day late removal from acct # XXXX or removal of inquiry XXXX/XXXX/XXXX opening XXXX XXXX XXXX acct. I have spent many hours on phone with Conn 's trying to get these issues resolved, to no avail. Would very much appreciate your assistance in resolving these issues which have dramatically effected my credit rating.
10/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30906	Web
On XX/XX/2022 I was served in XXXX, XXXX by a marshall being sued by XXXX XXXX XXXX XXXX, on behalf of Conn 's Appliances , Inc. I called and explained that Conn 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, Conn 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to Conn 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called conn 's and they told me that another third party collector had the account, so I called them and they told me conn 's had the account, so I called conn 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the Marshall being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from conn 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by conn 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " conn 's '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.
06/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70454	Web	Servicemember
Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX, I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX XXXX XXXX gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX
03/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85138	Web
I purchased a couple of items through Conns Home Plus and since has been a nightmare. I fell behind midway through the loan and had contacted them for additional help which they refused. After they refused on an average I have been getting 7 to 8 calls a day including weekends and many are hang ups. When I do take the calls they continue to harass me, belittle me, interrogate me, and refused to work with me until recently. Last week around XXXX/XXXX/16 they contacted me and offered to defer payments toward the end of my contract if I paid {$180.00} which I did. Each day since I get multiple calls claiming that I still owe and that their rep was mistaken and should not have offered such a deal. I asked them to listen to recording as they said they have on file but instead they are calling me a liar, and continued to try and push me. I eventually terminated the call. I know of several people that have experienced the same treatment and enough is enough. I am XXXX, not sleeping, not eating, and feel sick to my stomach over it all. What does a company feel that they need to mislead consumers into paying additional money that I said I did n't have and get away with not honoring the agreement once they take my money? I am aware that I owe the money and have spoken with them several times and apologized and explained that they would get their money and I still get this outrageous, unprofessional, unethical treatment. They tell me that they will report this information to the credit reporting agencies if I do not continue the plan even after they refuse to honor my restructure that they offered. They also are charging additional fees on payments which was not explained of agreed too. If you listen to recording of my calls you will see that I have been professional, willing to pay, and appreciative of the products. I have guaranteed payment and explained that it would get paid once I receive my funds. Instead, they pushed me into paying more than what I could afford on a deal they structured then failed to honor their own plan. Why will my credit be affected when they failed to honor what we all agreed. Please have them provide you with copies of my calls and listen for yourself. I would start with XXXX/XXXX/16 through today. I have contacted an attorney locally and he said to start with you. Please help me resolve this matter and put a stop to the madness. I am begging you to help me stop them from further harassment.
04/07/2018	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	SC 29506	Web
Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.
12/16/2019	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	TX 77066	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit reporting agencies ( Conn 's - XXXX, Conn 's - XXXX, XXXX ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report. Conn 's - XXXX - {$7600.00} Conn 's - XXXX - {$2400.00} XXXX has failed to verify that information multiple times. The supervisor XXXX XXXX on XX/XX/19 and a supervisor previous to that advised me they verified the information electronically through an automated system and do not have the a person name or documentation. XXXX also stated they do not require the creditor to submit any validation prior to inserting good or bad information on your report. I have contacted Conn 's and XXXX both repeated asking for them to provide contracts bearing my signature and payment information for these two accounts. XXXX also have me locked and singled in to a department that is only open from XXXX - XXXX central time Monday - Friday and don't have a direct phone number. In order for me to speak with someone regarding my credit file I have to get transferred 3 times and if the department is unable I have to leave a message and someone will return my call in 24 hours. Which is unacceptable as well and I need to be removed because this is discrimination because any representative trained to incoming calls should be able to assist with credit dispute or questions. Per conversation with Conn 's representative on XX/XX/19 XXXX XXXX ( XXXX ) they do not have to provide with me an do documents in there systems and can report anything they wish without providing proof. Conn 's also asked me to fax them a copy of front and back of my driver license and social security so they are aware they are speaking to the right person. This is unacceptable based on the the fair credit report acting and need to be removed immediately.
01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CO 80221	Web
I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out
12/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 787XX	Web
Around XX/XX/2019 give or taake a few days I went to Conns home plus in XXXX XXXX Texas which is identified as Conns store # XXXX I purchase a XXXX OLED Tv and put it on a Conns loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed Conns customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from Conns. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help
05/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78723	Web
When I made a XXXX refrigerator purchase in XXXX ( XXXX ) of XXXX, the total purchase price was {$1200.00}. That day I made a down payment of {$65.00} which is what was determined as my monthly payment. Since XX/XX/XXXX Ive paid a monthly bank auto-drafted payment of {$65.00} which, as of now is a total of {$910.00} I got ill during COVID and did not notice anything change in my account during that time, then when I got well in XXXX I went back to the online account I had set up and noticed that I had barely sratched the surface on payments. The amount Conns HomePlus is saying I owe ( as of XX/XX/XXXX ) is {$930.00}. The increased my interest from 0 % to XXXX per day on XX/XX/XXXX. I contacted Conns HomePlus on XX/XX/XXXX via email and called and spoke to a said XXXX for an hour or so to try to sort this out. I asked for a manager and was not offered one, she refused and said none was available and that nothing would change. I offered to pay the amount in full of {$440.00} right then, the amount that was due by XX/XX/XXXX, via our agreement of 0 % interest ( again, XX/XX/XXXX ) to take care of it and my offer was refused. They said " we will accept your payment but can not relieve you of the remaining balance ''. I still paid the montly {$65.00} on XX/XX/XXXX, as scheduled, then cancelled auto-pay because of this fraudulent behavior. So in short -- beginning on XX/XX/XXXX they began charging me 29.99 % interest daily which means I owe the exact amount I owed when I made the purchase 14 months ago. I was never informed of this interest and I was under the impression they would pull the {$65.00} each month until completion of the payment which would technically be within less than two payments. I realize now that they planned to keep pulling that {$65.00} each month until it was paid off based on their overwhelming interest increase. In addition, I called custoner service many times while ill and dealing with the existing COVID circumstances, as we all are. No one was willing to help me or even re-deal with me, even after I explained the situation. I went back through all emails to find all of my auto-drafts and an occassional marketing message but nothing about my account changing OR an account contract of any kind that agreed to such fraudulence. I have nearly paid for the item in full and they would like me to pay double for the item I purchased.
07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 777XX	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CONN APPLIANCES INC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
09/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web	Servicemember
In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private XXXX XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that Conns Credit was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
12/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 706XX	Web
On XX/XX/2016, I was at a retail store and was denied my purchase due to my credit dropping. It was a total shock and embarrassment to me as I had been getting increases in the recent months on other cards I had. So I pulled it up on XXXX and saw that Conns reported a 30 to 59 day late payment on my credit. This never happened! I immediately called Conns and they researched it and I spoke to 3 different people that day including a supervisor named XXXX who confirmed that it was reported in error and they would escalate this situation to have it handled immediately as it was affecting my XXXX shopping and a big gift for my kids. XX/XX/XXXX I contacted all 3 credit bureaus to dispute this with them. On XX/XX/XXXX I called back because it had not been corrected and I had not gotten correspondence. They informed me that on the XXXX the ticket was closed because they needed me to send a copy of my credit report ( made no sense because they reported it ) but nobody ever told me I needed to send it. So I immediately emailed it and was assured it would be taken care of. XX/XX/XXXX I called back and nothing happened. I spoke to XXXX who sent me to a supervisor named XXXX who assured me it would be sent to escalation team and I opened a complaint at that time number XXXX. XX/XX/XXXX I spoke to XXXX who said it would be at least 30 days because it was in credit dispute department ... I told her the 30 days started on the XXXX. She was going to have a manager call me back within 48 hours because there wasnt one available for me to speak to. I NEVER GOT THAT CALL XX/XX/XXXX I called back and they said the ticket was closed because they need a copy of my credit report ... THAT I EMAILED AND THEY CONFIRMED RECEIVED PREVIOUSLY. Miraculously that person was able to find the credit report and send it back to the credit department and it would take 30 days ... XX/XX/XXXX Spoke to supervisor XXXX after talking to XXXX for 10 minutes who told me she could n't find what I was talking about. XXXX said she sees that it has been put in and deleted and put in and deleted but did n't know why they were doing this. Again, sent it to escalation department ... at this point I am sure this is a tactic to buy time and pacify the customer, I do n't think it exists. Today nothing has been removed or fixed, XXXX is 4 days away.
11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53719	Web
On XX/XX/2020 I made contact with Conn 's XXXX XXXX to make payment on 2 accounts that I had in collections. They provided me with the number of the collection agency who held the account. I contacted the collection entity and paid both accounts in full. I made two payments on XX/XX/2020. One for {$570.00}, and another for {$400.00}. I never received a letter from Conns showing debt was paid in full. I ran my credit report which showed that Conn 's was still reporting this as a valid debt so I filed a dispute with the credit bureau XX/XX/2020 and they responded that this was a valid debt. I then made contact with Conns who sent me to multiple collection agencies to resolve the matter and non of them where able to assist. The originial creditor whom I paid indicated they had no record of the payment and that Conn 's had moved the credit file to another collection entity and I needed to contact them. This happen 2 more times before the last collection entity TSI directed me back to Conn 's to have the issue resolved. I sent Conn 's a copy of my dispute letter and my bank statement showing where I had made payment on the accounts on XX/XX/2020. Conns ' has yet to reply to me as to the status of my account nor have they provided a letter showing that I paid this debt. This collection is impacting my credit score and my ability to move forward with purchasing a home. I have talked to multiple collection agencies associated with Conn 's as well as multiple conns representatives. As of today XX/XX/2020 conns has reported that are waiting on the collection agency to report back even though I provided them with proof of payment. I do not feel like it is fair to me as the consumer if the collection agency did not follow process in this case. Conn 's did send me an email on XX/XX/2020 that they would have resolution to my concern within 72 hours and I have still received no response. I sent a follow-up email with still no response and I called today XX/XX/2020 and they were not able to give me an update. This is not a valid debt and my credit file should be updated and a letter sent with verification of this. Conn 's has all the information they need to remove this debt. I would be happy to provide Conn 's yet another copy of my bank statement showing payment made.
07/10/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NM 87105	Web
I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.
01/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80233	Web
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CONNS CREDIT CO The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, TX XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was mailed out XX/XX/XXXX, and was not able to be delivered due to them reporting the wrong address on the reports, again, a violation of the FCRA and FDCPA. I have just had the envelope returned to me, as it says it is an invalid address. This IS the address that Conns Credit was reporting on the credit reports, which in itself, is a violation of the FCRA and the FDCPA as they are reporting inaccurate info on my reports, not to mention the debt itself. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. Since they are reporting inaccurate info on the reports, it has now made it impossible for me to use my rights under the FCRA and FDCPA to get validation on this account, and makes it impossible for them to validate it within those 30 days as I mailed it to the address that they inaccurately put on the reports. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Conns Credit Co have NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
10/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77536	Web	Servicemember
I purchased a dryer with a pedestal that included delivery charge and I purchased a 2 year warranty on XX/XX/XXXX, for a total amount of {$1100.00}. I placed this on a 12 month No Interest plan. I paid {$100.00} per month beginning XX/XX/XXXX with a couple of payments at {$80.00} and {$75.00} knowing I had to have this paid by XX/XX/XXXX. In XXXX of XXXX I contacted the company several times to get a correct pay off because the pay off on line was not correct and way more than the amount I had. Never received a response to get a correct pay off. This is when I went on line in emails for this information and also have this in writing. I am to this date, still trying to resolve this. I found out, with no one disclosing any information to me before I made this purchase that Conn 's added Unemployment Insurance and Property Insurance. I am retired and do not need Unemployment Insurance and I carry Property Insurance on everything in my house for 30 some odd years. No one cared to ask. I also found out an Administrative fee of {$100.00} was add to the purchase price along with the insurance premiums of $ XXXX and $ XXXX. After months of email exchanges I forced them to send me all documents to prove I still owe them {$670.00} around that amount they say, and I found out Conn 's was and did charge me INTEREST for the 12 months on a No Interest loan. I have sent two ( 2 ) letters to the CFO and the EVP of Finance neither have never responded. I could not get a correct answer on the pay off that was due XX/XX/XXXX I was told they would get back with me. So I made my last payment of {$150.00} on XX/XX/XXXX. I received a latter from Conn 's on XX/XX/XXXX stating Conn 's would Honor the No Interest Cash Option Plan, now they will not because they claim it wasn't paid in time. Due to their lack of communications this is my fault! No. Let me repeat I was being charged monthly interest on a no interest agreement for each payment I made. If they had not applied to interest this loan would be satisfied. Now, they are reporting to the Credit Bureau late payments. I can not seem to find ANYONE that id willing to help. I am an ex-XXXX XXXX in Banking so I know how leading works so before I contact an attorney I want consumers to beware of this type lending
10/12/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 303XX	Web
I spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX about derogatory marks that were made on my credit with all three Credit Bureaus. The employee I spoke with Employee Number is XXXX. I explained that I had NOT receive any notice about my account being due for quite some time. I moved to XXXX GA six months ago and since that time I have not received any calls or communication from them. I originally opened this account on XX/XX/XXXX. The original balance was {$3300.00}. The current amount that is due is {$540.00}. I asked Employee XXXX why I had not been notified either through mail or e-mail about my current amount due. I was informed that XXXX XXXX XXXX XXXX does NOT mail any statements to consumers. It communicates via email. I asked what e-mail address was on file, and Employee XXXX confirmed that the email address on file was INCORRECT. It appears there was a keying error by Conn 's. The account has been reported as more than 130 days delinquent. As a result I was turned down for credit due to these deragoratory remarks. I want the derogatory remarks REMOVED IMMEDIATELY. I was told that the only department that handles these requests is known as the " Offline Department '' and they do NOT take calls or communicate directly with consumers. I don't believe this is a fair trade practice and possibly deceptive. I don't recall being informed that decisions are made about my credit file by a department known as " Offline '' who will not take direct calls. Employee XXXX initially told me that she would forward my request in her own comments to this Department. I asked for a summary of those comments and she said that she had not written them yet. I explained that I can wait until she finishes because I'd like to understand what is being stated on my behalf. She asked me to hold on. About a minute later, Employee XXXX relayed that her Team Leader instructed her to provide me with a Fax Number to the " Offline Department '' to submit my request. The fax number I was given is XXXX XXXX XXXX XXXX. I asked if there was an email address and the response was, no. I have NO idea as to how long this can take. But my credit reports remain damaged and I do not feel that my consumer rights have been preserved by XXXX XXXX XXXX XXXX. Please help.
11/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	OK 74075	Web	Servicemember
On XX/XX/XXXX I bought a living room set totaling {$2500.00} from Conns HomePlus. On XX/XX/XXXX I got an email with a payment plan saying the total I would owe them with the payment plan was {$3100.00} and I owed {$100.00} per month. I had a lot of issues signing onto to their site and getting a hold of a human when I had issues. During one of my calls the woman stated that " a lot of people were having issues with their online payments ''. They didn't allow me to pay over the phone from what I remember. I was able to keep the account up to date for awhile but I fell behind. They reached out to me about payment plan options and I talked to a person who said I shouldn't do it because the money I give them doesn't apply to my balance and will only have them agree to put the past due to the back of the loan. I fell behind further and I have an email thread of an offer I finally agreed to. After making the payment of {$170.00} they gave me in their " option 2 '' arrangement ( XX/XX/XXXX - XXXX I believe ) they told me it didn't count because I didn't do it on the phone with them. I didn't understand this since we arranged it through email. I asked for clarification and they just said I'd have to pay {$290.00} to bring my account current. Money they knew I didn't have, I already had made a {$170.00} payment. XX/XX/XXXX I made another {$75.00} payment per another agreement and they said it didn't count. 2 days later I got an email saying I haven't paid in 3 months which is a lie. I wrote back that I have been lied to, harassed and I was done with their company. I don't like to not pay my debts but I'm super limited and doing the best I can. My husband was in a coma for 4 months due to covid in XXXX and we're still facing ramifications of that hospital/rehab stay and being out of work. Since XXXX, I've gotten at least 3 phone calls a day. They use at least 3 numbers. One says Conns, one says XXXX XXXX, and one is a number out of XXXX, XXXX. They also called my adult son saying he was a contact person for me but I don't remember putting ANY contact people. He told them to leave him alone but they've called at least 3 times this last week. The phone calls are non stop. I will pay when I can but this is adding to the stress. Please help.
06/22/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	CA 900XX	Web
I was approved for a credit limit of {$3500.00} and I got electronics from the store ( which I found out was over priced ) for {$3400.00}. The product I was given was an open item. A laptop which had someones log in and i could not use it for 2 weeks until I had to fly back to XXXX to exchange it. Costing me 2 weeks back up of work. Later when I was about to make my first payment, instead of the {$200.00} that was agreed i got a bill for almost {$500.00} a month. I called the store and was told there has been a mistake and I will have to call corporate to sort it out. I did and the lady I spoke with at corporate told me to hold of on payment until a new contract is done and sent for me to e-sign. I never received any thing to resign but found out it was reduced to {$12000.00} which was still way more than what I was approved for. My credit report shows that I have a {$17000.00} balance with Conn Credit Corp. Increasing my DTI. I was only approved for {$3500.00} and I did not take products worth that much. I called again and after getting harassing calls from Conns to make payments every 30 to 40 minutes, they reduced it to {$10000.00} without me signing anything. It has been so frustrating and it keeps getting worse. They signed me up for 4 different unsolicited insurance policies that I did not request for. Unemployment, life, home owners and health insurance. I called again and after being transferred so many times I was told I have to go to the store to pick up the new contract which I did not sign for and the bill is still almost {$500.00} per month and I also will have to cancel the unsolicited insurance at the store. I ran a check at different stores for the prices for the same items I purchased and the original prices they sell them for and made a settlement offer to Conns so I could leave this behind. They declined the offered and have still not resolved the issues till not but but my voicemail gets full everyday because I get a call at least 2 times in one hour. I am willing to pay in full the real value of these items which is a total of about {$1400.00} and have Conns remove the credit reports on my credit as well as cancel the unsolicited insurance to resolve this issue. Thank you for your help.
12/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70791	Web
In XXXX I went with my girlfriend to Conn 's to buy 3 items and have them delivered to our new address. I had recieved a letter in the mail and decided to go with Conn 's since they had reached out to me and guaranteed my credit approval. When we got there were greeted by XXXX XXXX and we looked around. There were signs all over the store saying if you bought three Matching brand items you would recieve a 10 % discount. I picked up three matching brand items even going for a more expensive item so I could recieve the 10 % discount. I was told to sit and wait which I did. After 30 minutes I was told I was not approved and would have to go through another company. I told them I had a pre approval letter and an hour later the manager approved it. I sat down and waited another 30 minutes and had other customers go ahead of me. I finally stood at the counter to see what was going on and the manager assistant came up to the front desk and told me to sign at the bottom of an ipad and I could go and when I asked what I was signing I was told I would recieve an email stating everything. So since at this time it was XXXX and I have spent my evening there I signed the bottom. I was not given any paper documents until 3 weeks later in the mail i receieved a payment book with an outrageous amount. Thinking that was because they were charging interest after the two year aggreement I called and was hung up on 5 times! I set the bill up an auto pay and aggreed to the monthly payment until I could get the billing sorted out and not have it show on my credit poorly. When the first payment came due and they were to auto draft ONE monthly payment they withdrew the whole balance of {$3800.00} with all of the interest. When I call them they give me the run around and tell me that they are trying to process my request. They withdrew from my bank account causing me to have money issues since I recently had also lost my job. Conn 's uses deceptive sale tactics and has taken more money from me then I owed. They told me on XX/XX/XXXX I would receive my refund with in 30 days in the mail. When I called back on XX/XX/XXXX to check the status of my refundI was told it had only been 12 business days and they would need more time to even approve it.
07/07/2020	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	TX 77632	Web
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. Conns XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX {$7400.00} Both companies reporting same debt and conflicting amounts owed, also Conns reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85225	Web
I got a disturbing news from my credit bureau ( XXXX ) that Conn 's reported 30days past due which alert me to call Conn 's, because I just paid them on XXXX for my XX/XX/XXXX payment I can only pay on the XXXX of the month and they wont change the due date so the rep offer me an extension and set me up on auto debit to starting on XXXX so I'm always 2 weeks ahead rather then 2 weeks late but this shouldn't ever cause Conns to report me 30 days past due I been paying this way for over over over a year now. so I called Conns today XXXX because if I didn't accepted the extension and with the payment on made on XXXX for my XXXX payment my account would of been 7 days past due as of today XXXX and I would of paid it on XXXX. so I called the rep on XXXX and I was advised that they made a mistake and misapplied my payment THAT THEY MADE A MISTAKE, I reminded them due to there careless mistake it caused to mark my credit I'm extremely upset I want this matter fixed immediately this isn't the first time these people made a mistake, I demand its fixed and they need to update my credit bureau I shouldn't have to prove to them that they reported my credit when they know they did if you are willing to fix the mistake this should also include the negative reporting as well on there part, if my credit and account isn't fixed being this is the 2nd time I had to deal with them since 2016 I'm prepared to make an Attorney General complaint and contact the news I work very hard to build my credit and to get knocked down and punished for there careless mistake and tell me they don't know if they would fix my credit but they would try to fix my misapplied payment isn't fair its abuse this is terrible so I have to put my life on hold and wait 72hrs to hear back about my money they took from me that sitting in my conns account but yet reporting 39 days was my money applied to someone else account???????? I want my account to report and reflect current like it suppose to be and update all 3 credit bureau they made the mistake they need to fix it entirely!!!!!!!!! I'm suppose to be buying house you are messing with my life AGAIN!!!!!! I WILL NOT LET THIS SLIP AWAY THIS TIME!!!!!!!!! EXPECT MORE COMPLAINTS
11/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web	Servicemember
In XXXX I began contacting CONNS in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time XXXX XXXX XXXX had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XXXX of XXXX and XXXX of XXXX of XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify XXXX XXXX XXXX that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by XXXX XXXX XXXX my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
08/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 754XX	Web
I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX
02/07/2018	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	AZ 85048	Web
On XX/XX/XXXX I called the customer service dept at XXXX 's XXXX XXXX and requested a refund check of an overpayment made on my 2 accounts. They agreed there was an overpayment and they will expedite the refund process and it should be processed within 10-14 days. Today, 60 days post request, I do not have a refund check. The following actions were taken. Called- XX/XX/XXXX and was told the refund check has not been processed and I will have to wait again 10-14 days. Called -XX/XX/XXXX spoke with a supervisor who explained it was the holidays and it would take longer then usual but to call back again in 7-10 days. Called- XX/XX/XXXX and spoke to another supervisor who said the refund check was processed on XX/XX/XXXX and to expect the check in 7-10 days. Called- spoke to a supervisor XXXX on XX/XX/XXXX and who stated it was still in process and has not been mailed to my home. Each time I have asked for another number, department or higher management which was always denied by the supervisor of customer service. Called- XX/XX/XXXX supervisor ( XXXX ) had told me that the check was mailed on XX/XX/XXXX and I should see the check within 7-10 days. Called- XX/XX/XXXX and told them I have not received a refund check and to ensure it was mailed on XX/XX/XXXX. It was confirmed it was mailed on XX/XX/XXXX. Called- XX/XX/XXXX and again spoke with supervisor and told them I have not received a check. The supervisor XXXX said she would escalate it again and for me to wait 72 hours before I call again. Called- XX/XX/XXXX and spoke with XXXX who stated there was a problem and that the check was NEVER processed nor was it NEVER mailed to my home. The previous notes were untrue and she was going to escalate it again to Maintenance Dept for solution. At this time I submitted a XXXX XXXX XXXX complaint. Also, I went on to social media to find someone in higher management. I demanded a call back within 24 hours from the manager XXXX in the Maintenance Dept with a solution. The supervisor XXXX replied with " there was not a guarantee of timely response and I should call the customer service number myself. '' Today XX/XX/XXXX, still waiting for a response and solution.
02/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77095	Web
While I made every effort to pay my debts and fulfill my responsibilities, in this instance XXXX XXXX was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " Conns Credit Corp '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via dispute.XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )
03/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 87031	Web
I purchased a laptop from XXXX XXXX XXXX in XX/XX/XXXX. in XX/XX/XXXX the laptop was taken in for service when my screen went blank. I let them know that this was being used for a small side business I had and needed it back asap. they said it would take 2 weeks- 2 months went by and no laptop! I continued making my payments and have always paid more then the amount due. in XX/XX/XXXX ( this year ) I took the laptop back for service because this time the XXXX system came up and I was not able to get into it. When I took it to Conn 's I took it with charger and did give them the ok to wipe out all information if needed because I had saved my information on an external drive. on XX/XX/XXXX I went to pick up my laptop and they tried giving it to me without a charger. I had already signed the receipt because on the very top was a charger but it was not the one that went to my laptop. The charging port was wobbly and loose. I told them that I was not taking it until I had my charger. They literally went around the store trying to find me a charger to fit my laptop which NONE did! The manager XXXX at that store told me he would just have to order me a new charger and to give him until the following Saturday which would have been on XX/XX/XXXX. I went to pick up on XX/XX/XXXX and there was no laptop, no charger and one seem to know where the laptop was. They all went and spoke away from me and told me to call service that they had the laptop. At my arrival at home I called the service number and spoke to an employee who advised me that the work order had been opened on XX/XX/XXXX and that the laptop was still at the store. She double checked in the back and then proceeded to call the store who then told her they did not have the laptop. At this point today ... XX/XX/XXXX I have no laptop and because my side business required me to have a laptop I have since been termed from my business as well. I continue to receive 5,6, and even 7 calls or more a day. I have advised multiple reps to read their notes and that I had let them know- I have no PRODUCT why should I pay for it. On top of all of this I am getting daily financing as well on the account.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 79416	Web
I bought a Dining set at Conns XXXX XXXX in XXXX Texas XX/XX/2021 ( Address XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX ). Its called XXXX XXXX dining Set.I requested for return XX/XX/XXXX. The display in the store is washed gray, however I received chocolate brown which is clear that it is a factory defect. I went to the store twice, emailed the customer service and called multiple times. A lot of times I get ignored with my emails. They only approved me for exchange but they refused return. It is clear in their website and in the invoice that a final sale which they include furniture can not be exchange or RETURN UNLESS inspected by service technician and found to be a FACTORY DEFECT. I would like to emphasize that the dining set I bought is Regular price as what is reflected in the invoice. I would also emphasize that I did not received a copy of the invoice until I asked for it the second time I went to the store. I was only given a copy of instructions about the delivery on the day of purchase but not an invoice that includes their Policy on return and exchange. Yesterday XX/XX/XXXX, I requested for service technician to come to my house to verify or check the furniture but they refused, I was told by the customer representative that they usually would require pictures if it is color discrepancy. The reason why I am returning the dining not exchanging it is because I lost confidence on the quality of their merchandise. For me it is a substandard quality. It did not undergo good quality control. They are inconsistent in manufacturing it. I feel that my right is being violated by forcing me to buy something that is not worth the amount that I will be paying. I would like to complain about the way they make their policy. It is very tricky to the customer. They did not emphasize during at the store that this certain item is included in the final sale. Also they are doing false advertisement on their policy, if you notice there is discrepancy on the way it was stated in the website compared with that was written in the invoice. It is fruad if they are inconsistent, they are tricking their customers. My ticket number XXXX
07/12/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77064	Web
Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!
12/09/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37920	Web
Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!
02/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75051	Web
My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.
06/19/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27603	Web	Servicemember
The name of the company is Conn ; s Home Plus. I have listed some of the phone numbers that they call from. I have to actually block their number from calling me because they will call a minimum of 10 times per day. In one instance, someone received a phone call from Conn 's Home Plus concerning my account and they were not even authorized to call the number. I had to call and make a complaint to advised that if not listed, they should not be contacting anyone for me without my consent. I understand that I do owe money and have done my best to keep the account paid, life happens. However, their phone calls are pure harassment. I have received calls from a collections agency before and they were never this abusive with their collection tactics. If I was not half was not nearly fully paid off with my purchase from them, I would return the item and leave a horrible review. I have told them on several occasions that they call too much. When my dad past, I told them to stop calling while I got his funeral arrangements sorted out and they still called me the next day. Its disrespectful. I will also add that, when they call, they mask their phone numbers and it appears to be some one else 's caller id. This is not something that happens all the time, but it does happen. That leads me to believe they are using a VOIP dialing that is hard to trace. How can a company use deceitful tactics like this when communicating to their customers. Call Times in EDT XX/XX/19 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Times in EDT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are just a few, but I can pull my call records for more times and days and from different numbers. I honestly have to block them for the number they call. Then they just call me from another one. These calls are also in addition to two to three emails every day. I simply do not want to talk to them because they will still continue to call and send emails even if you call them.
07/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77073	Web
Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.
07/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77065	Web	Servicemember
Dear FCC or Consumer Financial Protection Agency, My name is XXXX XXXX, and I am XXXX years an XXXX XXXX veteran. Currently going through a divorce and after I moved out pending final divorce. In XXXX 2016 since I do n't have any furniture in the new apartment I decided to finance some furniture because of my horrible economic circumstance steaming from my student loans debts. I went conn 's a furniture outlet in XXXX Texas to get some cheap furniture after eight months sleeping on the floor while facing {$1000.00} child support for XXXX child without any justification a total judicial deviation from the state of Texas child support guidelines. I Financed furniture worth {$1600.00} including sales tax with a down payment of {$260.00} and a monthly payment of {$73.00}. I have no problem paying my monthly bills detail in my contract. Unfortunately, after I have paid {$950.00} in total, I was told that I have {$1300.00} balance. I ca n't put my head together, giving the fact that you are not giving billing statement let alone payment coupons. Going through with my frustration and after talking with their aggressive and unprofessional customer service representative and I decided to file this complaint, and I hope you can help me and thousand or million facing predatory lender like conns. I also discovered that among fees added are property insurance premium of {$190.00}, ( property warranty fees that were n't disclosed on my contract form that I signed. They also added {$100.00} prepaid finance charge called it Administrative costs. An interest rate of 33.29 %. The worst of all is that this percentage is computed on original amount financed. As you paid your monthly bills and even sometimes above the minimum amount due, the annual rate is not calculated on balance but the original amount financed. Please, I need your help here, and thousand in my situation will appreciate your assistance. Third, often time you call their payment service number ; ( XXXX ) that called are relay to XXXX, XXXX XXXX or XXXX XXXX. Thanks and I look forward to hearing from your honorable office. Thanks XXXX XXXX
05/15/2019	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 78224	Web
This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.
10/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94501	Web
on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc
10/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 76134	Web
I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019
02/18/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	KS 67216	Web
XX/XX/2014 I received a letter from the IRS stating that I owe the agency over {$6000.00}, I ask how, and the representative told my that I have not file my taxes with XXXX company I was working for since XX/XX/XXXX and I ask which company because I know I had never miss filling my taxes. The rep told me that I have been working with a company in XXXX, CT since XXXX. Folks, I have never heard of a City called XXXX and never been there, to cut story short, the representative I was taking with gave me the company name XXXX XXXX XXXX and ask me to XXXX their phone number and I did. I called the company and ask that I speak to the HR and told them what was going on, the HR person told me that am crazy and said that am in the garage as we speak working. I demand that she call police immediately and have him arrested she ask me to hold on moments latter a man 's voice on the line whom introduce himself as the manager, I ex [ lain every thing to him and he ask that I fax my government issued I.D to him to prove that I am who I said I am, i drove to the closest library and faxed more than he asked for and he called me XXXX min latter telling me THAT THE INDIVIDUAL WAS PRESENT WORKING AS WE SPEAK, I demand that he call the police and arrest him and he said that he could not do that, that all he could do is to ask him to leave the premises immediately. One week latter, I pulled my credit report and found out i WAS IN A MUCH DEEPER HOLE THAN THE IRS $ XXXX its been two years since this incident and am still fighting to clear my name. Upon investigation IRS CLEARED ME OF ALL CHARGES though am still owing tow states local TAXAS. Other companies has also deleted all charges including XXXX XXXX AND XXXX. BUT XXXX CREDITOR AND XXXX CREDIT AGENCY REFUSED WHICH BROUGHT ME HERE TODAY. XXXX have refused to delete saying that only the original debt furnisher can ask them to delete. The original debt Furnisher is CONN CREDIT CORP. I have called this company more than 30 times left messages send letters and have not received one response from them. PLEASE HELP ME.
09/25/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 78230	Web
Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Older American
On XX/XX/XXXX, I called Conn 's because I difficulty making my payment online and removing old financial accounts. Therefore, the payment I scheduled for XX/XX/XXXX were cancelled so I could get more information from Conn 's. I called Customer Service and the representative told me I had 3 accounts but he could not open any the accounts on the system. I asked for a supervisor ( XXXX ) where he stated my account was charged-off so I needed to speak to Recovery department. XXXX transferred to the Recovery Dept. and I spoke to XXXX that told me I had a balance so my current account was placed there also. I asked her why would a current account be placed in the Recovery Dept/Charged Off. XXXX says because I had cease and desist calls. That did not make sense. Cease and Desist calls only pertain to calls not charge off accounts. I asked why were they trying to collect anything from accounts discharged in a Chapter XXXX Bankruptcy in XX/XX/XXXX. In addition, it wasn't legal what they were doing. They stated it was legal if I still owed money and hung up. I contacted the Bankruptcy Attorney and she called them which wasn't received very well. They told her I needed to get a Power of Attorney but I only needed a letter giving her permission to access to account. I faxed the letter to Recovery Department and they've refused to allow my attorney to get information about the account. Due to me involving my bankruptcy attorney to resolve that issue, they placed derogatory information on my credit report XX/XX/XXXX. Conn 's Appliance reported a derogatory status on my credit report in the amount of {$34.00}. I did not receive any notices, emails or told by customer service of any past due amount when I called. I have no idea what the {$34.00} past due amount and would have paid with my payment on XX/XX/XXXX. I do not feel it should be reported to credit bureau if the customer wasn't notified, emailed or had not been conveyed to the customer. A business shouldn't harass, attempt to intimidate a customer into making payment on discharged accounts.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78221	Web	Servicemember
I HAVE BEEN HAVING PROBLEMS WITH XXXX COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF DOMESTIC XXXX FOR XXXX YRS. AFTER MY LAST BODILY ASSUALT AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. CONNS SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON HOLH FOR HOURS. PORTFOLIO RECOVERY HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOCIATES IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, WHO BOTH ARE IN THE ORGANIZED CRIME WITH CARTELS. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
04/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 77494	Web
Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.
12/21/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OK 74014	Web
We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. This EXACT cycle has been continuing weekly for the past 9 weeks!!! They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. THIS IS INCREDIBLY RIDICULOUS AND INEPT. I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. The complaint is being handled by the dispute center listed below. Please contact them with any questions. XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX
06/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 28079	Web	Servicemember
On XXXX XXXX, XXXX, my husband and I went to Conn 's Home Furnishings on XXXX XXXX in XXXX, NC to look at furniture. We decided to purchase a bed set while we were there. We were told the price and told we could finance it for 0 % interest. I agreed to the purchase and gave my personal information to complete the purchase. After the company ran my credit, I was told that I had been misinformed about the 0 % interest offer. The cost of the bed was not above their threshold to offer 0 % interest. We were heavily pressured to spend more to get above that threshold. After we informed the salesman that we have no intent of spending more, he announced that they would not sell us that particular bed because it was a last model and they needed to check with the manufacturer to make sure they could sell it. That Monday, XXXX XXXX, XXXX, I received a call saying that they could sell it but would need to get a price. I was told that the salesman, XXXX, would call me back on Wednesday, XXXX XXXX, XXXX with the price. My husband and I have tried calling several times and have received several messages ranging from messages saying there were extra models of that bed in a warehouse to calls saying we would be called back in a few minutes with the price. We have been repeatedly asking for the price and at no point have we been told what we will have to pay for this bed. Conn 's ran my credit under false pretenses. They had no intent to sell us the bed they agreed to sell us. They are refusing to let us know what they are going to charge us for this bed, but they have every intent to report a debt to " all XXXX credit bureaus '' according to the salesman. No information has been provided to me concerning the credit that was extended and the terms. What we have been left with is a credit report pulled for a transaction that Conn 's had no intention of upholding in an effort to sell us something else at a higher price. I want the pull removed from my credit reports and for these bait and switch practices to stop immediately.
01/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OK 73072	Web
I opened an account with Conn 's Home Plus on XXXX for I think {$9800.00}. I have never been 30 or more days past due on the loan, but have been past due and paid all the past due fees. In XX/XX/2021 I was offered a concession payment of almost {$800.00} and was advised that the payment would allow the account to show " paid in full '' on credit report and that the account would be closed. I made a payment of {$310.00} to avoid my account going 30 days past due on XXXX and advised that day that I would call back in a couple days to do the concession payment. I called back on XXXX and spoke with a woman who advised they wouldn't still honor the concession offer that was given to me a couple days prior so I made an additional payment on XXXX for {$450.00} for a total payment of {$770.00}. I was advised at the time of my 2nd payment that my account would be closed and be " paid in full. '' My account has yet to be closed and is still showing a balance and past due status. My account will report 30 days past due tomorrow and this should not be happening. I have been in contact with Conn 's Home Plus in XXXX, XXXX, and now XXXX to get this issue fixed. I have been told multiple times by their teams that the situation will be forwarded to the " resolutions team '' and that I should get a call back or email once it is completed. I have yet to hear from anyone from the Resolutions Team. I have also talked to the Conn 's Home Plus collection department via phone and email and assured this situation will be fixed, and again, no call back or verification of resolution. This is unacceptable as I did what I was asked to do and agreed to do with the concession payment and they have not held up their end of the agreement. I know their phone calls are recorded and have been told when I speak with a member of their customer service team that all the correct notes are in my account o make sure that the issue is resolved. I am very upset that this is now going to report to my credit and it absolutely should not be reported.
03/24/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	AZ 85142	Web
I am trying to ressolve my complaint with Conn 's for over 1.5 years. I only purchased a Tv for {$390.00}. Conn 's have charged me interest on the amount I never took delivery on. My account has not been adjusted to reflect the removal of the {$160.00}, {$260.00} and {$79.00}. Now Intrest has occured and I should have had an lower payment when the items where removed but instead the payment stayed the same. I am willing to pay the amount I owe for the TV, Tax not anything else. I have not been working whioch I have exlained to them and recently have been placed on FMLA. I explained I wold like a new ledger showing the current charges. Conn has refused to provide an updated satement refelcting the credits for items I never took delvier or scheduled a deliver for. Infact the items were never removed from the orignal purchase and I have been charged interst for all of them instead of 1 item the TV for {$390.00}. I explained I can make a paymnet of {$40.00} a month and they refuse to take the payment Rather I recieved this email from them today : XXXX You have had more than enough time to pay, get all of the answers you have deflected back to instead of making the payments. The last payment has been made since XX/XX/21. Actually, it is the opposite. We are accepting less than the {$1100.00} balance that you owe. The last payment made was XX/XX/21. Have you been unemployed for the last two years? You have mentioned several reasons why you refuse to pay, can not pay and deflect away from making the payments. How long have you been without an income? Is your spouse working? What other bill can you pay {$40.00} on in order to make a full payment on this bill? Conn 's is abusing their rights by asking me the questions above. As I mention I am out of work on FMLA and have not been working but they do not understand. I would like to only be charged for what I took ownership of the TV plus tax not all these additionla fees and I want to see a new ledger reflecting the credits.
05/31/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80260	Web
I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.
02/14/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76063	Web
I have accepted a settlement agreement with Conn 's XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with XXXX including trying to collect the wrong amount from my account. -- This happened multiple times. I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ). This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED. Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time. This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23803	Web
I have had an active installment account with XXXX 's Applicances for a furniture purchase since XXXX of XXXX and have since satisfied my account in full in XXXX of XXXX. My account has been in good standing the entire until XX/XX/XXXX. XXXX 's furniture inaccurately reported a XXXX, XXXX, XXXX, 120 day late payment to all three credit bureaus ( XXXX, XXXX, XXXX ) from XX/XX/XXXX- XX/XX/XXXX despite being enrolled in XXXX. I contacted them and the first reason I was given was that auto pay only last for 6 months at a time, something I was not made aware of at the time of set-up. I also only called twice throughout the entire length of the loan to set-up autopay so this can not be accurate either. The second reason I was given by a second person was because my account was not in good standing in XXXX so they reported all the late fees in the end.The third reason I was given was I set up XXXX automatic payment with a representative in XXXX or XXXX to finish the life of the loan however XXXX 's claims to have received a payment for each month from XX/XX/XXXX - XX/XX/XXXX except for XX/XX/XXXX. I contacted my bank and they have no record of any such attempt for XXXX of XXXX. They also did not attempt to contact me in anyway in XXXX in XXXX or any time afterwards regarding any kind of late payment. The last communication I received from them regarding any kind of late payment was in XXXX of XXXX which prompted me to call them and set-up the final automatic payment arrangement. XXXX 's Applicances ' lack of centralization of records and communication forces their hand into predatory behavior of the consumer and credit reporting. They are not transparent about the duration of automatic payments, they do not consistently contact the consumer regard account issues and they report inaccurately to the credit bureaus. After speaking with them, providing bank statements and satisfying my account, they will not correct the inaccurate credit reporting.
08/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on all 3 credit files that is inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify theaccuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX
09/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78617	Web
I paid off Conns XX/XX/2020. After that in XXXX my wife and I started the process to build our dream home. In that process we found out Conns was still open. We then provided our builder the receipts showing we paid Conns then in XX/XX/2020 I received a call from Conns indicating they were attempting to collect a debt. I informed them that the account was paid in XXXX. After being on hold they realized it was and they will make a note. Two days later I received a call again this time Conns collections put a ticket for the issue to be resolved and it would not affect my credit. Well inXX/XX/2020 30 days before closing we being the closing process and Conns is showing I have a past due balance of {$600.00}. I called Conns and again they apologize and will put a ticket. Well every week I have had to call because my loan officer wants a letter from Conns indicating the account is paid in full or that the account has a XXXX balance. Each time I call they say they cant do that but they will send the request to corporate so they can provide something in writing and I should receive it within 24hrs. Fast forward my wife and I are unable to close on our house and this is the second time my closing date will be pushed because of Conns in capability to provide us a letter even though they acknowledge that our account is paid off. In addition my credit score dropped 95 points because Conns put me in collections. I have had a XXXX since Thursday XX/XX/2020 to move and now I am paying over {$500.00} to have this XXXX and I still havent closed on my house. I called Conns again today XX/XX/2020 because I was supposed to close today and they indicated that they were sorry but the only thing they can do is send another request and open another ticket to get the issue resolved. We are going over 6 months since this account has been paid off and nothing has been done but ruin my credit and stopped my family and I from moving into our dream home.
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80013	Web
My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.
04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78155	Web	Servicemember
In XXXX of XXXX, I went to their store and applied for their financing of furniture. I did not take possession of the furniture. The first payment would have been due on XX/XX/XXXX -- if the items had been received. In XXXX of XXXX, I started getting past due notice and then realized that they had put it on my credit report with all three bureaus. I called them and was told I still had to pay for the items because they were holding them in the warehouse. I asked to speak to a supervisor who informed me that was not true and the store had returned all of the funds. I asked why was there still a balance on the account? He told me to go to the store -- I did they gave me a print out of the account. the full loan balance was {$8700.00} which broke out {$7800.00} to the store, {$950.00} for insurance ( which was not supposed to be on there because I had renters insurance. ) ( I have the contract ) The print out from the store shows they returned {$7500.00} which left {$240.00} for a pair of XXXX earbuds that was supposed to be charged to my card. I went back home and called them told them I had the printout and my balance and paid it ( I have my receipt ). They asked me to fax the printout to them which I did. 3 months later the account is still open with a {$400.00} + balance. My credit report since XXXX has shown that the High balance on this account was {$8800.00} with a monthly payment of {$350.00}. It is now showing that I am 30-60 days delinquent ( I have the print out ). They send me harassing emails everyday ( I have saved them ), letters every week ( I have saved them ), they were calling me every hour during working hours until I told them to remove my number. I have exhausted myself trying to get this account closed and this negative item removed from my credit report. I was in the process of getting pre-approval for a home loan which is now on hold until this is cleared.
08/01/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OK 73533	Web
In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting. In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items. In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.
01/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77385	Web
I was contacted by Conns on XX/XX/2016 to make a payment, they wanted to set up a payment to come out of my checking account on Thursday, XX/XX/XXXX, I told them I could not set up an automatic payment for that day, I had to see what I had in my account and then I would call them, he then said he could put on Sunday, XX/XX/XXXX, and I agreed to this for a payment in the amount of {$130.00} for that date. On Friday, XX/XX/XXXX, I logged in to my bank account and seen that Conns took the money in the amount of {$130.00} out, this was not agreed on, on the phone call the guy would say on Friday, I corrected him twice. When I called Conns on XX/XX/XXXX, to complain that they took the money out 2 days early and that it caused an over draft on my bank account. ( XXXX @ {$29.00} = {$87.00} ) they told me that a supervisor would have to review the phone call and someone would call me back that day, no one called, so I called them back that evening, they told me the same, someone would have to review the phone call recording and get back to me, but I never got a call from them, so on XX/XX/XXXX, I called them again, this time they told me they needed 72 hours, or 3 business days, which means it would be Tuesday before someone would take care of this, in the meanwhile what little money I did have, I can not access because my account is in the negative for them taking out the money before the agreed upon date. They were supposed to take out the payment on XXXX/XXXX/2016 of {$130.00} then, instead they took the payment 2 days earlier on a date that I did not agree on, they said they would have to review the phone call and then they would let me know, they said someone would call me on the XX/XX/XXXX, I did not get a call from them, so I called them and they said the same thing, that someone would call me. I called them back on XX/XX/XXXX, now they said they need 72 hours to review it.
05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78108	Web	Servicemember
This complaint is in reference to Conn Appliance , Inc. On XX/XX/XXXX I mailed a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX which is the address listed on my credit report. This letter was returned to me unopened, as was the previous two that I sent over a year and a half time span. This time I held on to the returned letter. A copy of this letter is attached. I have also uploaded the contents of the letter with the information in which I was requesting from Conn Appliance , Inc. Here 's a little back story. On XX/XX/XXXX I was served by XXXX XXXX XXXX, XXXX. which is a debt collecting company filed with the plaintiff being Conn Appliance , Inc. I retained an attorney for my case number XXXX. Conn Appliance , Inc retained XXXX XXXX. This debt claim was canceled on XX/XX/XXXX. The balance due as of XX/XX/XXXX was {$0.00}. I have been trying to contact Conn Appliance , Inc so that I could get this removed from my credit report with all the credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported to XXXX that account as on-time ( copies attached ). On XX/XX/XXXX Conn Appliance reported to XXXX that account not paid since XXXX ( copies attached ). I did also noticed that the address listed on my credit report is the exact address that I have attempted to mail three previous letters to, and they all were returned unopened. This matter has caused my credit to plummet tremendously. This matter is now causing me a great deal of stress and uncertainty. I have to move in less than 30 days, because the home owner is moving back into the home due to returning to area on XXXX XXXX. My current credit score will not qualify me for a rental or to purchase a home which is going to leave me and my family homeless. I really need this issue addressed and rectified as soon as possible. Thank you in advance for your help and know that it is greatly appreciated.
11/01/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 233XX	Web	Servicemember
Account is 5 days past due ( next payment due XX/XX/XXXX ) and have received at least eight phone calls throughout the day beginning at XXXX XXXX. from various spoofed numbers throughout the country including numbers from area codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. A caller from a number originating from XXXX, Arizona at XXXX XXXX XX/XX/XXXX asked for my social security number which I refused to provide as the incoming number was not clearly identified as Conns. Another caller, identifying themselves as Conns, advised my phone number did not correspond with my account. Calls have continued despite a payment arrangement being enacted and validated online through the collection department. Calls have repeatedly continued although I have asked repeatedly that they cease. I asked to immediately return a telephone a call from area code XXXX and was told by caller that I could not return a call to the number from which he was calling and was provided a XXXX telephone number. Agents at this number advised I had failed to make a XXXX payment thus triggering the monsoon of calls. This information does not correlate with my bank account statements or online Conns account, which clearly states next payment due XX/XX/XXXX for a one month payment, I can clearly see a payment processed for the month in question. Online account history does not indicate any default. I was advised there was no supervisor who could speak with me. In XX/XX/XXXX, I received an email from Conns addressed to someone of a totally and very dissimilar name with foreign account information and details of a payment arrangement with Conns. I immediately called, fearful that my account was somehow entwined with someone else. I was told to disregard the email and the issue would be escalated with a response in 24 to 48 hours, I never heard from anyone calling from a legitimate Conns number.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33612	Web
I applied for credit at Conn 's XXXX located on XXXX XXXX here in XXXX, FL. XX/XX/XXXX. I spoke with an agent and told them what I was looking for. I picked out my items and the agent told me that I had XXXX options and that was to be approved though XXXX bank XXXX Conn XXXX bank. I was immediately denied by XXXX but Conn 's told me I was approved for {$10000.00} in credit through them. But, keep in mind that I did not have a credit profile at this time so how could I be approved for such a high limit without a credit history? I was told that if I paid the XXXX same as cash amount by XX/XX/XXXX then my payout amount would be around {$4500.00} which is the actual price of the items. My payments are {$200.00} a month and after 12 months that is a total of {$2400.00} which means, even if I paid my payments on time every month, I still would not pay the full amount because the payments are not even setup to cover enough in order to pay it off within 12 months. So, after 12 months pass and I still owe a remaining {$2000.00} on the actually items I now find out that I am being charged {$83.00} a DAY IN INTEREST because it was not paid in full within the 12 months. This account has caused me stress and for me to fall behind on my other bills from trying to pay it in full. This is PREDATORY LENDING and I have tried several times to negotiate with this company to resolve this issue and make it fair to me as the consumer. I was not told this nor did I see this in the contractual agreement that I would be being charged DAILY INTEREST. The contract is inadequate and contains false disclosures. I make all my payments on time and have now paid almost XXXX 's the amount for the merchandise. I want this relationship to end on a positive note so, I will be seeking counsel and contacting the local attorney 's XXXX XXXX to have my contract and case further looked into. Thank you
02/05/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 775XX	Web
On XX/XX/XXXX, I went to a Conns store in XXXX to purchase bedroom furniture and a mattress during the aftermath of Hurricane Harvey. After the purchase was made through a store credit, I asked the sales person would I be making once a month payments to my account. The sales person reassured me that it would be just one payment. Every other week, money was being drafted from my bank account in addition to me paying Conns once a month. This activity was going on for two months and I did not receive email confirmation nor a letter by mail. I contacted the Conns store and no one could answer how and why this was occurring. I finally learned that two loans where taken out : one to cover the mattress and the other to cover the dressers, night stand, and bed frame. I didnt agree to this nor was this stated to me at the Conns store. My bed furniture breaks and was not of good quality. XX/XX/XXXX, I fell into hard times and I was unable to pay the loan for the bedroom furniture. I fell on payments due to being XXXX XXXX XXXX and I have been on bed rest. In XX/XX/XXXX, I stated this to the customer service representative and they insisted on taking money out my bank account. On yesterday, I explained to them I am not working and I am on bed rest due to the XXXX XXXX XXXX. I explained to the person about the phone call in XX/XX/XXXX and I requested to speak to a manager. The representative said she was a manager and called her manager for an extension approval for me. Then, the person demanded I pay {$200.00} after I told her I was not able to. I keep receiving several phone calls, text messages, and emails everyday. I keep receiving threats about collections and multiple negative reports to the credit bureau. I feel my concerns were not taken into serious consideration and I will be in the hospital soon. This situation is stressful.
11/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78230	Web	Servicemember
I called Conns XXXX XXXX on XX/XX/2022 to pay off my balance in full. The lady on the phone told me she can decrease the amount for me since I was paying off early. I still owed a little over {$6000.00} on the loan and she reduced it to around {$4400.00} to pay in full. A few months later I get a notification from XXXX XXXX that my conns balance increased by {$57.00} and my credit was reflecting a balance owed of {$1300.00} still so I called again to get information on why this was happening if I paid the balance off ( this was around the end of XXXX/beginning of XXXX ). They told me they are not sure and they would send it to a different department and I would need to call back in 3 days to see if it was fixed. I also asked for a paid in full letter, I have still yet to receive one to this day after asking numerous times. I have had to make this request phone call twice more about the balance on my report with the same outcome. Well today I get a notification that my account was charged off and my score dropped XXXX points. I spent 2 hours on the phone with conns, being transferred from the customer service department, the recovery department, the billing and collections department, and the credit department all of who can not help me. One manager stated that he will forward the account to the credit department and try to have it removed. I paid off all my debt to increase my credit score to purchase a home. I am in the process and should be closing XX/XX/XXXX however with this on my credit this might impact my ability to purchase this home. I would greatly appreciate any assistance in the matter as my account should not be in charge off status when I called to pay in full and was offered a lower amount without even asking. Had I known this is how they conduct business I wouldnt have purchased with them to begin with.
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77429	Web
I am currently paying for a debt with Conn 's appliances. This company calls me non-stop on a daily basis to collect on a balance that has been kept current by me. The bill is due on the XXXX of the month, on the XXXX they are calling continuously throughout the day. I get up to XXXX calls a day from this company and it is driving me nuts! I 've spoken to managers and called corporate office to warn them not to contact me in the manner that they do. They call from different numbers and hangup without saying anything, they call back XXXX minutes later from the Conn 's number. They rarely leave voicemail and when they do the call back 15mins later. They blame it on the " automated dialer '' but I have worked call centers and collections and know that the dialer must be released properly in order not to call a customer back. When you leave a voicemail you do n't supposed to contact a customer again in that day. I made the mistake of giving them my work # and they call me ALL day, they are calling as I write this complaint. It makes it hard for me to focus, it gets me discombobulated when on the phone with clients, they have made me loose focus and has added a great deal of stress to my life. I pay the bill every month, I have communicated with them on when they could expect payment and they still harass me. I have weird numbers that call and hang up when I answer. I ca n't help but to believe they do this purposely and to many clients but with my background in this field I can not sit and be harassed. Please help me! I do n't want the furniture on my credit otherwise I would have given it back. If I place the phone on silent or vibrate I miss important calls. They are negatively impacting my business! This ca n't be legal ... They are intentionally annoying me and my business in an effort to collect on a paid up bill!
03/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 38053	Web	Servicemember
I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.
11/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78210	Web
On XX/XX/ 2019 I placed an online order for a TV from Conn 's website, www.conns.com, after paying 20 % upfront, as well as a required flat rate delivery fee of {$79.00}. XX/XX/XXXX, I received the tv via delivery. On XX/XX/XXXX, I contacted Conn 's via telephone call, and informed them of my intent to exchange the TV for a bigger size. According to written policy, any item purchased online and delivered, was eligible to also be picked up for free. However after a week of trying and failing to secure a pick up date, I finally took the television into a brick and mortar store location, and personally handed the TV to store Management. We discussed my situation and agreed to exchange the set for a bigger one. I paid in cash an additional fee, and was told the TV right be delivered to my house the very next day. Day 1, passed. Nothing. Day 2 to Day 3, day 4 fast forward ALMOST TWO MONTHS and still no TV. I have decided to accept the obvious, that I will not be able to complete this transaction successfully and so, do hereby cancel same. As such, I respectfully request the following actions : 1 ) a proper refund of my monies : down payment {$110.00} delivery fee {$79.00} and upcharge fee {$26.00} for a total of {$210.00} ; and 2 ) the voiding of any sales/order or installment contract associated with this transaction ; And 3 ) I respectfully request these actions be taken immediately and without further delay. Despite never receiving the merchandise, I am now being harassed by Conn 's collections, and having to correct the records on my credit report. I placed this order in good faith, the same good faith with which I have supplied Conn 's with almost {$220.00}. and in response to this good faith, Conn 's actions or lack of them has proven problematic at best, potentially litigious at worst.
02/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 297XX	Web
I had an account with Conns XXXX XXXX for the purchase of some furniture. In XX/XX/2018, I did a home equity loan with my bank to consolidate some bills. On XX/XX/2018 I requested a pay off from Conns. While I was waiting for the pay off to be sent to me, I sent a screen shot from my online account to my bank that I took on XX/XX/2018, to give them a general Idea of my balance while I waited to receive the official payoff from Conns. The pay off amount was {$3000.00}. I still have that screen shot. I have the payoff statement somewhere but I have to look for it. On XX/XX/2018 we closed on my loan and the attorneys office mailed out my checks to varies companies 3 days later. Conns posted my check on XX/XX/2018 for the payoff amount quoted. Now, a year and a half later, they are trying to say I still owe almost {$500.00}. I contacted support, sent copies of what I have and all they can say is I still have a balance because they didn't receive the check till the XX/XX/XXXX and my pay off was for the end of XXXX? A couple weeks cost me {$500.00}? They will not resolve the issue or explained to me how this happened and why am I just now hearing about a balance. They are trying to pull some shady business practices here. On top of that, I get a call about this at my place of employment! I thought it was a scam at first. That is the only reason I realized there was still a balance. I got on the web page and signed into my old account. I want this resolved and that taken off my account. If there was a balance left over, I am sure it was no where near {$500.00}, they have just let it sit there and accrue interest for over a year. No letter or email and they have my email and address. They send me stuff all the time trying to get me to buy more stuff. I will never do business with this place again.
02/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 390XX	Web	Older American, Servicemember
I have had an existing account with Conns XXXX XXXX which I have paid on for the past four years. IN early XX/XX/XXXX I came into some money and decided to pay off all my loans including Conns. To assure I paid the full amount owed, ( I pay installments through online banking with XXXX XXXX ) I called each company and got a precise payoff and to make sure the full amount was paid, sent approximately {$10.00} more on each than was quoted as owed. Conns advised me that I owed {$970.00} on the debt. I sent them {$980.00} on XX/XX/XXXX and of course I can verify this. To date, I have received regular calls stating that my debt was never paid and I am behind in payments. I have talked to them personally on five different occasions, in one of which I was advised by someone in their accounting department that the payment had been applied to the wrong account but I was assured it had been fixed and I would receive no more calls since it had cleared the debt. I continued to receive calls and on one occasion approximately three weeks ago, after a heated exchange with one of the accounts, ( XXXX, was the only name she gave ) was assured once again that the debt would be closed as paid and I would receive a letter from Conns to this effect. I never received a letter as stated but I did receive another letter today, XXXX XX/XX/XXXX, stating that my account was past due and I owed a past due amount of {$210.00}. It is as if Conns deliberately disregards all my attempts to get this resolved and continues to browbeat me into paying more money. I have filed complaints with the credit bureau and have written three separate letters to Conns truing to get this resolved. I have proof of payment on the XX/XX/XXXX, copies of all commuications wiht Conns and coipies of all communications with the credit bureau.
05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 795XX	Web
Conn 's Home Plus ( Conn Appliance , Inc, Conn Credit Corp ) has failed to properly validate this alleged debt that I do not own. This alleged debt is the result of identity theft. I have contacted their fraud department and without proper investigation and validation they immediately denied my request to have these fraudulent accounts removed from my consumer report. XXXX XXXX and XXXX XXXX refuse to show me evidence that I personally opened these accounts. They have no agreement or contract bearing my signature. In XXXX, an ex-boyfriend opened up these accounts in my name without my permission. My personal information has been compromised. Therefore, these 2 accounts are being reported inaccurately. 2 accounts were opened without my knowledge : XXXX XXXX {$3100.00} ( XXXX ) XXXX XXXX {$2100.00} ( XXXX ) I have sent Conn 's Fraud Department a police report, and FTC affidavit, 2 proofs of residency ( rental lease and rental insurance ) of where I lived during these years when these accounts were opened. Conn 's claims that " payments '' were made on these accounts, but they can not validate that I actually made those payments. I have reason to believe that the ex-boyfriend attempted to make payments in good faith but fell into financial hardship and stopped making payments. There is no correlation between " making payments '' on an alleged account and properly VALIDATING that this account was OPENED by me. I did not give anyone permission to open these account using my social security number and sensitive personal information. I was living in XXXX and these accounts were opened, used, and maintained for a limited time in XXXX. No signature, no proof, and no validation means NO CONTRACT. I am a victim of identity theft and I demand these two accounts be removed immediately.
02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 280XX	Web
Conn 's INC mailed me advertisement stating I am preapproved, also an advertisement for 10 % off which I never received and no interest for 12 months which again I didn't receive. Reporting to the Credit reporting agencies that I owe {$1700.00} instead of the amount financed {$1200.00}. Sold me a refurbished XXXX XXXX XXXX Stove as new. purchased items on XX/XX/XXXX were delivered on XX/XX/XXXX. XXXX XXXX hasn't worked right from the start, the left front burner light doesn't come on the hot surface light goes off before it cools down causing me to burn my hand and thumb. Oven set at 400 will only heat to 350. Forced place a 2-year {$120.00} Warranty which is really only a 1-year warranty since the stove supposed to have a 1-year factory warranty. claimed we had to have to warranty since it is financed. also, force-placed insurance since it's financed, even since I had declaration page from homeowners insurance. Charged me {$3.00} removal of white goods, I sold this before they delivered. They are in violation of the ( UDTPA ) ( FCRA ) Breach of Contract, and violation of the truth in the lending act because they didn't provide me a copy of the Credit installment agreement at the time of purchase only a copy of the invoice. I ask for either a full refund of the XXXX Stove or replacement with a new one within 30 days. I also filed a complaint with the NC ATG within 30 days and after they send the complaint three times to Conns they still haven't responded. Conn 's was sued by the Texas ATG for the same issues and settled that case for {$4.00} XXXX. But they continue doing the same violations in other states including NC. Consumer Affairs has received over 1100 complaints about the same problems including people from NC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 23234	Web
CASE XXXX - Conn 's XXXX XXXX - NOT XXXXXXXX XXXX - Do not send to XXXX XXXX Case not relaited to credit card, but installment loan with Conns Billing Address XXXX XXXX XXXX XXXX, Texas XXXX Fax XXXX ( Department in question direct fax number ) Customer Service Compliments or Complaints - ( XXXX ) XXXX On XX/XX/XXXX I called to Conns XXXX XXXX and made an offer of {$1900.00} to settle out the account in full. I explained to them that I would like to use the provisions under the CARES act that allows contract terms to be revisited, I would like to make a final onetime payment of {$1900.00} to close out the account that day in good standing. The accepted the terms and processed the payment. I asked that day and have continued to follow up on the status of closing the account in good standing and sending me a letter stating that the account was settled on for XXXX. Several calls and emails I still do not have the letter and the account is still open accruing interest and requesting a payment due in XXXX. When I call, I am told the letter takes thirty days. After thirty days I called again, and Im told another thirty days. I follow up again and was told it was with the wrong department and they need thirty days. As of XX/XX/20 I have been informed that my payment was rejected from the settlement department reason listed as " not paid in full ''. It was explained that this final payment of {$1900.00} was sent to the settlement department and because the consider it to be a concession pay off it needed to be processed with a different department. I have given ninety-eight calendar days and approximately sixty-eight business days for this to be corrected. Plenty of time to at minimum close the account officially and then begin working on sending me confirmation of the closeout.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	LA 70816	Web
XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.
02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. I have recorded conversations of discussions I have had with Conn 's representatives.
06/29/2021	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	LA 707XX	Web
On or around XX/XX/XXXX, I received a letter from Conns concerning my current account with them. The letter advised that my credit line has increased {$1000.00} due to my good payment history on my account. Two days later my window AC unit went out, so I decided to go into my local Conns XXXX XXXX located on XXXX XXXX in XXXX XXXX to add a {$500.00} unit to my current account with Conns. I did not think that it would be an issue since I was just sent a letter that increased my credit line. But, this turned out to not be the case. The sales rep asked for my SSN and I assumed that it was to pull up my current account which she did. She advised that she did not see the additional $ XXXX and would need to contact the Credit company to see why. She asked me to wait, when she returned about 5-10 minutes later, I was advised that she ran my credit and Conns was unable to extend credit to me. I did not understand considering I was sent a letter increasing the line on my current account. I never gave permission for Conns to run a new hard inquiry on my credit but they ran one anyway without even advising they were doing so. When I asked about the letter I received, the rep did advise that she sees where they sent me the letter but it did not mean anything and Conns sends these letters out to get the customer to come into the store so that they can run their credit. I was appalled and have made a complaint with the XXXX in which Conns refuses to acknowledge that they ran my credit without permission and just keep providing paperwork I signed in XX/XX/XXXX for my current open account as proof. Conns refuses to do anything to correct the inquiry on my credit report or even take credit for the letter that they used to lure me into the store with false pretenses.
04/21/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29617	Web
I am utterly disgusted at Conns Home F urnishings!! I purchased a new 75 '' 4K sm art TV from them yesterday at XXXX and they ran my credit and took my money up front I paid {$400.00} to get the loan to get the TV. I got the TV home and left it safely there unharmed until my work day finished then I unpackaged it and set it up! It was wonderful until .... half way through the first movie on the left hand side of the TV a blue line appeared. Needless to say I called Conns and they said I needed to call the repair center they could not replace the TV they can send someone to repair it!! I could not call the " repair '' center as they were closed so I called XXXX , they did some simple test and they told me they could also send someone out to " Fix '' my TV I said no way! I paid for a new TV and I should get a replacement asap! they said the repair team would have to determine if that is the best option for me! I told them it paid for a new TV and that 's what I am getting period. I asked to speak to manager and they are supposed to be calling me back. SOO the next day today X/XX/2017 XXXX I called the " Conns Repair team '' and they tell me basically they can and wont do anything for me and that I have to work with XXXX , I said so you sold me a defected product and you wont do anything at all about it!! To be fair they should be sending me a new TV with free installation!! I went round and round with them and they kept saying the same thing call XXXX ! I did n't even have this TV for XXXX and its defected and they said I can bring it back for a full refund or call XXXX . Wow!! really I wanted the TV that 's why I purchased it not to have to bring it back .. no customer service skills at all and I am getting treated VERY unfairly.
11/04/2016	Yes	Credit card	Customer service / Customer relations	TX 77019	Web
XX/XX/XXXX /XX/XX/2016 I purchased credit with Conn 's and obtained XXXX laptop. About XXXX months later I noticed keyboard key sticking. No food or liquids were ever spilled or near the said laptop. So I used a dust buster in early XX/XX/XXXX to possibly remove the problem. Did not help at all. They keyboard eventually went out and I had given prior notice to Conn 's and they gave me instructions on when to take my defective laptop into their XXXX @ XXXX location, where it had been purchased. So, about XX/XX/2016, I took in the laptop for repair. As time passed and no update, I started phoning Conn 's and was eventually informed that the part to repair was the delay. When I asked how long it would take no one knew. Another week passed and no one knew arrival of part. Third week, I demanded to speak to repair XXXX but he would never answer his phones. Again, I contacted Conn 's and requested to speak to corporate office. Only then did I get the answer that it would be XX/XX/2016 before the part would be in. I have already been out of money in having to travel across town XXXX XXXX, Texas XXXX and use another laptop and then having to produce our weekly newsletter, providing ink and such. No expediting. XXXX hours before corporate will review my request. I need my data ( documents, videos and pictures ) and a new XXXX laptop immediately. XXXX the computer repairman called me this morning, XX/XX/2016 around XXXX a.m. Said part is taking too long and that a new laptop is being requested ; that I should pick up the defective laptop and take it to an XXXX repair shop and have my data transferred and then return defective laptop to him. No. I had requested a full credit. Then Conn 's presented a new laptop. However, it takes time -- too much time.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OK 741XX	Web
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. This is a CHARGE OFF and I continue to receive NEGATIVE REPORTING XXXX XXXX Acct # XXXX PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY.
04/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77545	Web
On XX/XX/2020, I received a washer and dryer from Conns. After coming home from work I noticed scratches and a dent at the bottom of the dryer. I contacted the store immediately and was told to contact the customer service number. After I submitted a request online, I was offered a {$69.00} deduction for the damages, however, I received nothing in writing. I also notified the store and the customer service department that the {$100.00} admin fee was not on the contract that was made available for me to sign on line. I was unable to retrieve a copy of the contract that I signed. The fee was added after the contract was signed. I informed the store manager that I wanted to return the appliances due to the damaged dryer and the {$100.00} hidden admin fee that was not disclosed upon signing the contract. I was told by the store manager that I had to pay the restocking fee before he had the appliances picked up. He tried to force me to pay the restocking fee yet the appliance was damaged. A few days later, the washer began pouring water from underneath which flooded my entire laundry room, dining room and garage. The appliances are not 14 days old. I returned the appliance to the store and the manager stated that I could not return the appliances to the store and that I owe because its a voluntary repossession. The appliances are damaged and the store is still trying to force me to keep them. The manager laughed and was unprofessional as I was explaining my issues to him and his staff members. I waited a week to receive some type of resolve with no phone call. I called customer care at the home office store and have not received a response. The appliances have been returned to conns on XX/XX/20. I have pictures as well.
05/12/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	LA 71105	Web	Older American, Servicemember
I bought a new vacuum cleaner from a company out of XXXX, Texas. Their name is XXXX XXXX XXXX XXXX. Their clientele are people with bad credit. When you finance something with them, there are all the hidden fees, insurance fees, {$50.00} for this {$20.00} for that and an interest rate of 45.51 %. When you are down on your credit score, the y help you to stay down. Three credit checks in 1 week, my Credit score dropped 10 points. Oh, this company does not put any of your account information on-line you have to go their website and " request '' a " Loan Ledger '' in order to get financial information out of them. The price of the vacuum cleaner was XXXX with all their hidden fees, finance charge, payments for 2 years, the total cost of the vacua cleaner will be {$1200.00}. DOUBLE the cost of the vacuum cleaner. So my monthly payments are {$51.00} for 24 months. My first payment was for {$300.00} and I ask for a " Loan Ledger " and received it. My second was a payment of {$500.00} with XXXX XXXX debited my account on XXXX XX/XX/XXXX, and Conn 's accepted payment on XXXX XX/XX/XXXX. As of today XXXX XXXX they have not credited my account. It probably didn't help that I was going to get a lawyer and sue them. I use XXXX XXXX/XXXX bill pay. Never had a problem with any of my payments until now. I assume that they are holding my {$500.00} deposit so that they can say that I did not make a payment and charge me a late fee. I am trying to pay them in full, but they are not cooperating. The solution is I need and up-to-date balance AND for them to credit my {$500.00} payment. I XXXX military, 35 years, I have XXXX and they are treating me like a second class citizen. And yes the law suite is coming.
10/23/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28792	Web	Older American
On XX/XX/XXXX I originated a loan with Conns HomePlus - financed amount of {$4800.00} for 29.97 % at {$21000.00} month for 34 months. Payments have been made consistently until furlough caused by COVID-19. During that time I received a minimum of 20 calls per day every day ( without VM message ) if payment was not received by the XXXX of the month. On XX/XX/XXXX I contacted a Conns and spoke with supervisor XXXX XXXX to see there were any temporary or permanent assistance available. He stated that the loan would be refinanced for XXXX for months at the same 29.97 % interest at {$150.00} per month starting XX/XX/XXXX with a payment of {$150.00} ach initiated by Conns on XX/XX/XXXX. After the payment cleared I was continually harassed with calls from Conns so I contacted a supervisor on XX/XX/XXXX to discover that the refinance had been rejected and I was not informed. They apologize for inconvenience and said they would submit it to their refinance department for reconsideration. The next day XX/XX/XXXX I called back they pushed it through with an increase of interest rate by almost 10 %. They said thats all they can do. This is ridiculous. At this point Conns has caused me to be late which will affect my credit due to no fault of my own, as i was made to assume that the original refinance on XX/XX/XXXX had occurred. Through their deceit, I am now stuck with the remaining balance of XX/XX/XXXX payment as well as one that is now due for XXXX putting me in an additional financial hardship that I would not have been in if not for the predatory practices. This company lies, makes false promises, steals, and takes advantage of people affected by COVID-19. Those practices must be addressed and corrected.
02/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75212	Web	Servicemember
In XXXX of 2017 I went into the Conn 's store located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I went in looking for an entertainment center for my living room. I found the one I wanted and was approved for it. I had it delivered to my house. It was delivered by a contracting company that Conn 's uses for its deliveries. The gentlemen began to put the entertainment center together, it was 3 separate pieces. Once it was put together we noticed that all 3 pieces were not going to fit on the wall in my living room. So I advised the guys to return the entertainment center. They packaged the pieces back together and put them back on the truck. When it was time for me to sign off on the delivery and acknowledge that I was returning the product the young man told me that his digital device was not working and that he would send confirmation once he got back to the warehouse. I called Conn 's to advise them of this as well and they said that would follow-up with the warehouse. On XX/XX/2017 I went inside of the store that I purchased the entertainment center from and spoke directly with the store manager. The store manager assured me the this would be taken care of and the purchase we be voided. On XX/XX/2017 I called Conn 's because I was still being charged for the entertainment center. I spoke with XXXX rep # XXXX and call confirmation # XXXX. XXXX stated that I would receive a call back from management within 72 hours and I never received a call back from anybody. I have been dealing with this every since. Multiple phones calls later this is still on my credit and I do not have the merchandise. This is the only negative account that is on my credit report and I want it removed permanently.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78130	Web	Servicemember
I had my account go into collections in in XX/XX/2017. I reached out to Conn 's to get this situation corrected because i know i owed them. They advised me that they had a XXXX XXXX collecting on the account. I reached out to them and agreed to settle the account. In which we arranged payments to be paid and after the last payment was made they would clear up the account. Made my last payment on XX/XX/2017 and received the letter a couple of weeks later with a Settled in Full. As the letter stats they were supposed to send the information to Conn 's to get it reported correctly on my report. I reached out to them multiple time with either getting hung up on or transferred back to the que. I finally got ahold of someone and had me send the letter and was told to give them on call on XX/XX/XXXX and they should be able to give me some insight. Well gave them a little longer so i called on XX/XX/XXXX and spoke with the same guy i spoke with the first time. Had to stress to him that i needed it takin care of asap and kept telling me that its in the review process. I told him i waiting long enough for them to report it to my credit report and should have been updated within 30 days or so not 4 months and still waiting. He spoke with his manager and had me send the her the letter to her email. And all i got from Her XXXX XXXX was that the letter stated settled in full not paid in full. I told her whats the difference settled in full means there would be no more balance. She wanted to argue with me about my rights under the fair credit act and why my report hadn't me updated properly in a timely manor. I made the effort to get this taken care of and they need to do there part as both parties agreed.
10/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85210	Web
When I originally received products I was told I had so much time to pay of interest free. I spoke with someone in phone about payment and said I could go to the bank of needed. The woman stated no she would post date it for next day no worries. I specifically asked her if it would effect my no interest in which she stated no. I made various attempts and reports to fix issue even asked them to pull call to listen. They immediately began to charge exssesive interest. They got me in a high interest no principal payment. Told them to wasn't working properly and even though it should be covered under warranty they refused to fix it. Told them come get items they don't work. They never did. They harrassed me various times daily. Told them to stop calling they refused. Now yrs later found out from some letter in the mail from a law firm stating I may have been sued. Absolutely absurd!! Predatory high interest company that intentionally tried to XXXX me over, refused to help me when I reached out, and now suing me, after they harrassed me and all my references for yrs. For items that stopped working and we're under warranty but refused to cover. So I'm supposed to just sit back and XXXX XXXX XXXX why they XXXX me and my family over again and again? Worst scam ever. They should be ashamed. I struggle trying to make ends meet for my children and now they have some right years later to sue me without properly informing me, so that a judgement can be entered against me. Way to go Conn 's!!! Now maybe I will never be able to rent a home for my children because of some judgement. I'm not a hateful or mean person but in this instance O hope this company gets the same treatment they give everyone else
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : CONNS APPLIANCES INC ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
05/17/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33563	Web	Servicemember
I have an active account with this Conns XXXX XXXX company. The account is NOT more than 30-days past due. If my account goes one day delinquent the company calls my place of employment at least 15-20 times per day starting as early as XXXX to XXXX. I have asked verbally that they remove my work number from their files as I am unable to receive these types of calls at work. I would like for them to cease and desist all communication via phone because it is annoying. I would like to only communicate with them via mail correspondence. The phone calls are unrelenting from day to day causing disruption in my work performance and personal life. The calls are continuous in nature with intent to harass over a {$130.00} past due balance, They have also authorized payment out of my account that I did not authorize, after I manually removed the automatic payment method from my account. They have removed the option for me to update my banking information on file so that they can't use the information on file. Although, I have contacted my bank regarding the unauthorized Customer Service payment that I did not authorize last month. This month, they still attempted to use my personal banking information some how to process the payment on their own free-will when I did not authorize and removed the automatic payment method on my account so that they would not have access to my banking information. I do not want them harassing me at work or at home over a debt they say I owe that's not more than 0 days late in an attempt to force me to pay. I want them to cease and desist from calling me at work 20 times per day and at home. Communication going forward should be through the mail service.
05/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28079	Web
On XX/XX/XXXX, I went to Conn 's to purchase a Washer/Dryer set. The sales lady was a new lady who messed up the initial contract that she typed up, she had to call customer service and have them cancel it. The sales lady continued to make errors to the point that her manager got involved and drew up another contract. I was offered 12 month same as cash payment, however, I have noticed recently, that I have been charged interest for the last 8 months of {$29.00} per month ( for a total of {$230.00} ). I led a complaint with Conn 's, and the rep notated that at the time of my purchase the 12 months same as cash was available and he told me to call the Store Manager, which I did. The Store ManageXXXX notated that he would send Conn 's Corporate XXXX an email. Today Conn 's told me that they will not honor the 12 months same as cash. I have to also note that this is the 2nd complaint I have led with Conn 's regarding the same sales lady. Back in XXXX, I led another complaint regarding them charging me for insurance, when I clearly told the sales lady that I had home insurance. Conn 's had me send them my paperwork and have since removed the insurance. This is 2 complaints within 3 months regarding this same sales lady who messed up the original contract XXXX or supposedly XXXX. I was told 12 months same as cash payments ... I did not just pull that out the air and Conn 's veried that it was a 12 months same as cash payment sale going on at the time of my purchase. I want this investigated and am also ling complaints with other organizations against them. Conn 's has taken an extra {$29.00} in interest for the last 8 months, when I should not have been charged any interest.
02/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77025	Web	Older American
I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.
06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89123	Web
I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2. I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.
11/22/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70380	Web	Servicemember
I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!
04/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28278	Web
I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.
11/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 37066	Web
Mid-XX/XX/2018, after receiving a credit increase on my account, I went into Conn Furniture to look into purchasing some additional furniture. I still had a balance on my existing account so before looking at any merchandise my first concern was to see how they would handle my previous balance. I was told that they would combine the two accounts ; the old and the new one, and indicated that my monthly payment could potentially be lower than what I was paying or it could remain the same. With that understanding, I decided to purchase some furniture. The salesperson worked up the deal on his XXXX and told me that my monthly payment would be {$160.00}, which was the same amount I was already paying so I agreed to make the purchase. They did not give me a bill or a receipt but said they would send the information to my email. I had a previous account with Conn Furniture so I took them at their word. 30 days later I began to receive text, emails, and phone calls indicating that my " accounts '' were past due, Not one, but two accounts. I tried to speak with the manager of the store and was told they could not do anything about it and directed me to their customer service/and or some department over the phone. With each call, I was directed to another area and was then told I had to bring both accounts current before they could assist me with combining the two accounts. I did make two payments last month as they instructed with another call to their credit department. At the end of the phone conversation again, I was lead to believe that the accounts would be combined which as of today, XX/XX/2018 that are not and one has been sent to their collections area.
09/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85295	Web
I paid this account ( XXXX XXXX ) in full on XX/XX/XXXX in the amount of {$3800.00}. I paid over the phone using a debit card. I did NOT accept a settlement offer and paid the entire account in full. After I made the payment I asked if they would send me an email confirmation that my account was paid in full. They told me that it would automatically be sent. By XXXX or XXXX I still had not received an email showing that my account was paid in full although the money had been taken out of my account. I called again on XXXX and requested the letter. I did receive a letter from them on XXXX however, the letter reflects that I accepted a settlement offer and the account was paid in full. I then call them again on XXXX XXXX XXXX XXXX. and spent a long time on the phone going over everything again. They agreed that my debt was paid in full and that it was NOT part of a settlement offer. Therefore, I asked them to send me a new letter reflecting the correct information as what I have is incorrect. It took several attempts to get someone that could hep me. I called customer service, collections and recovery departments. It was finally the recovery department ( XXXX ) that said that they would send me a corrected letter. I finally received a second letter today, however, it is an exact duplicate of what had already been sent with the exception of a different date! I'm so frustrated. I've spent so much time on the phone and they tell me that they will send the correct letter and I still don't have it. I want a letter that depicts what actually happened. My account was PAID in FULL with no settlement offer! It shouldn't be that hard.
02/03/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 75243	Web
I went to the Conns store to purchase appliances. I decided to finance the products with their card. It was not until AFTER my credit was checked that I was told about a {$100.00} processing fee and a fee for possibly loss of the appliances. I am not sure why this is required as I have home owners insurance should the items be stolen. Had this been told to me prior to agreeing to the inquiry on my credit, I never would have allowed it. This is unscrupulous and predatory lending. I understand I could have backed out at that point ; however, the inquiry was already made and I did not want an inquiry with a trade line associated added to my credit report. Additionally, when the appliances were delivered, the delivery people took my front door of the hinges and it has never been the same. When they left and I attempted to leave, the door came off in my hands. Yes, they came back to fix it but it came off again they had to make another trip out. The driver stated that my door only had 2 screws in it. That is not true and when he came off a couple of days later, I had someone that I had to pay come out and they said there were more in there and they didnt put it back correctly. Additionally, when I received the merchandise it was dented in a few places and I was told that some money ( well over the {$200.00} mark ) would be taken off my account ; however, it was not and that is not enough for the dented merchandise. I am completely dissatisfied with the service and the lending practices they use to get people. They should never been allowed to lend or at least be made to advise of ALL fees before pulling a credit report.
02/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85392	Web
In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok. Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.
12/05/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC XXXXX	Web
XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.
07/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75212	Web
I have an account with Conns and my payment are due on the XXXX of the month. I was told originally that my payments will be due on the XXXX of the month. I receive up to 35 calls per day and have advised the representatives that this is harassment. Today I received a phone call at my employer and advised them not to call. The representative hung up. Then I called back and was told they do not have an employer phone number on file for me. When I asked to speak to a supervisor, I got XXXX ID XXXX and asked her to take my employer out of the system that this is not a contact number for me. She advised that she was able to locate the number in the system and has marked it as do not call. I advised of the multiple phone calls to my cell phone daily and she advised that the company is within there rights. I advised her that as a consumer this is harassment and I that I will be filing a complaint with the Federal Trade Commission. I was also advised that I would have 12 months of no payments, no interest and during one of the phone calls, I was advised that once you are late, this goes away. I explained that I was not advised this at the store and told the representative that I was deceived upfront. They also added some kind of insurance on my account automatically for an additional {$500.00} that I was not aware of until I received a letter in the mail. I explained to them that I have my own homeowners insurance and that has yet to be removed. And I also advised them that my balance on my credit report show over {$5000.00} but I only purchase {$3400.00} worth of merchandise. This still has not been corrected.
08/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 78130	Web
In XXXX I pulled my credit through XXXX to check for mistakes as consumers are requested to do. I noticed Conns credit corp had 2 collections against me. I knew I had 1 account when I bought a TV from them but I never had a 2nd account with them. So on XX/XX/2018 I sent 2 letters to Conns asking for a verification of debt of both accounts so I would know what the second loan was for. I sent both letters registered mail and received confirmation of their acceptance of both letters on XX/XX/2018 signed by a XXXX XXXX. On XX/XX/2018 I received a letter back from Conns showing the proof of a TV that I had bought. Which I knew about and I was able to verify the account number for that loan. However the 2nd loan that Conn 's says I have and is reporting on ALL of my Credit Reports, I still have received nothing for. It is now almost 5 months later and Conns has chose to ignore my letter for verification of Debt for the 2nd account they show on all of my credit reports. I have called Conns to make payments on the 1 collection that I have with them. I have even asked if there is any other debt I owe, they told me this was the only one. I have tried to go to the credit bureaus and ask that they verify the debt. They all said it is your debt because Conns said so. I tried several times to ask who they talked to or a copy of any paperwork sent to them showing proof to no avail. I am tired of feeling trapped by the Creditors and Credit Reporting Agencies. They make it so hard to actually get anyone to verify anything. I know Conns can't because there is not a 2nd loan with them. Please help me.
12/31/2017	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	TN 37072	Web
I contacted XXXX XXXX XXXX customer service on XX/XX/XXXX. I asked about the policy on removing 30 day late payments the representative I spoke with told me that conns does provide a 30 day curiosity removal to customers that have never been late or have a history of late payments just email a letter requesting the late payment be removed, along with a copy of a credit report showing the late payment. On XX/XX/XXXX, I faxed those documents and called XX/XX/XXXX to ensure they received it and they did. I spoke with a manager who gave me the same information that the first representative gave me. However, I was told from the first representative that I would receive a email within 48 hours with the findings, which I did not. When I called and spoke with a manger on XX/XX/XXXX he told me I would receive a email within 3-5 business days, I did not. I called again on XX/XX/XXXX and spoke with another manager and told me that my request was denied. I have still not received a email or letter stating what the findings were. They had my wrong address on file so I 'm not sure if they sent it to the incorrect address. I did update it. My complaint is that the staff is not adequately trained and they do n't have the correct information, I am in the process of trying to purchase a home and they have given me false hope and information. My issue is that the creditor XXXX XXXX XXXX is acting unreasonably and not providing with the documentation in the time frame in which the said they would. I am requesting that this late payment across all three bureaus be removed as it was stated to me that they could be.
03/24/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77351	Web
Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. XXXX
02/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28215	Web
I made a purchase from XXXX XXXX XXXX in XX/XX/XXXX, I lost my employmentXX/XX/XXXX In XX/XX/XXXX I negotiated a settlement with Conn 's and set up for payments to be deducted from account to settle the debit. File number XXXX the payments were Debited from my account by Conn 's on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX XX/XX/XXXX for XXXX &XX/XX/XXXX for {$110.00}. I spoke with Conn 's in XX/XX/XXXX and requested if the final payment could be split into 2 payments and I was advised that this could be done and it was set up for the final payment to be deducted in XX/XX/XXXX. I spoke with Conn 's after the final payment was completed and was advised that I would receive a paid in full statement in a few weeks. In XX/XX/XXXXI was contacted by a collection agency that my account had been sent to the by Conn 's, I advised them this account had been paid in full through a settlement with Conn 's. I sent proof to the collection agency who filed a case with Conn 's but per XXXX XXXX of XXXX XXXX Conn 's never contacted them back to settle the account. InXX/XX/XXXX I spoke with XXXX from Conn 's legal department and was provided case # XXXX and told this would be cleared out it is now XX/XX/XXXXI spoke with XXXX in the Corp Customer Service office and was advised that he had requested a close out on XX/XX/XXXX and he would add to the case to get more info to allow another 2 weeks. This is on my credit report and is affecting my credit score, this debt was paid but it looks as though it is not and Conn 's is doing nothing to correct this issue.
04/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27591	Web
I purchased furniture from Conns last year XX/XX/XXXX when the furniture was delivered it was damaged wasn't put together correctly. Pictures attached as well as emails. I repeatedly called the store on several occasions trying to resolve on several occasions got the run around email corporate etc. Once I left the the store I realized XXXX decided to changed my contract and add services I didn't authorize I made a complaint about that I have voicemails where other stores tried to assist when XXXX the store XXXX at the time refused to be of assistance. Of course I find out now he no longer works there, I contact XXXX the now store XXXX he claims he emailed them and they said they called me which they didn't. I never received the mirror to bedroom set every time they came to deliver it was broken then suddenly XX/XX/XXXX they came they had the wrong brackets and they wanted me to sign saying they was coming back the next day I refused because I knew they was lying. I have every delivery date they attempted for something I still don't have which makes no sense they never provided me with the original contract or receipts all I have is my bank statements showing proof I also paid cash for a kitchen set that was damaged on arrival never was fixed and I basically was stuck because I paid in full. Here it is XX/XX/XXXX I still don't have a resolution but they decide to do a charge off on my credit report instead of fixing the problem. I have attached emails and pictures. I made these complaints the day of delivery and nothing was never done not months down the road!
08/19/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX XXXXX	Web
Purchased a television and dvd player back XX/XX/XXXX when I was XXXX and not working. I made all installments on time until XXXX. XX/XX/XXXX I received a settlement and went to pay off the balance in full at the round XXXX store I purchased the equipment from. When I went to the store the manager calculated what I owed to payoff the account which was just over {$700.00}. I paid that day and thought the account was closed. I received no additional bills or phone calls for close to a year. In XXXX I started receiving collection calls from calls. They call me on average XXXX times a day. Sometimes they say I owe {$110.00}, sometimes {$120.00} and sometimes {$140.00}. I told them I paid off the account last year. They informed me that I had insurance placed in the account and the additional money due is for unpaid insurance. I never asked or was told about any insurance and I later find out its XXXX and unemployment insurance. I was XXXX and not working at the time I purchased the television so this insurance does not even apply to me. I have asked them to remove the insurance and close my account since I paid it in full back in XXXX. I keep getting the run around. I have asked to see the contract XXXX times and still have not received it. Bet shady business practices going on here. Apparently I was paying for insurance almost a year without knowing R and they received that money I 'll gotten. Now they want more. I want the insurance removed, the account closed in good standing paid off and the information sent to the credit agencies. This needs to be done now!
08/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76112	Web
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore CONNS APPLIANCES, INC was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, CONNS APPLIANCES, INC has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : CONNS APPLIANCES, INC Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
02/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75007	Web
I called conn 's to see what the outstanding balance was and they advised me they no longer had my account and that I would need to get ahold on their 3rd party they used to handle outstanding balances the woman I spome with transferd me to a company called XXXX and I spoke with a man who told me I owed and at first he was very understanding and wanted to help but what caught my attention was when he said how many outs I had that I had a duplicate account I asked for my balance he said it was for {$1200.00} which is not correct when I told him that his deminer changed and was very pushy wanting me to agrre to a settlement and how it would be in my best interest I told him that I wanted to verify the account to make sure it wasn't a duplicate account like he had stated I told him I would call conn 's myself and he said he could get them on the phone like a conference I said ok he never did, he wanted my checking information so he could better assist me I refused to disclose that with him ultimately I hung up on him and called conn 's and told them what had happend they said therr was nothing they could do because XXXX purchased that out from them that I would have to contact them again I owe them {$630.00} they duplicated my loan and now want to charge me {$1200.00} how can they do this why do they want to charge that on my credit report it shows I owe one account for {$630.00} and one with the same account # for {$1200.00} conn 's seems to not have any information or knowledge about this how can companies do this or allowed to act in this manner.
01/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77504	Web
I recently pulled a copy of my credit report and noticed this unknown creditor. I contacted them on XX/XX/2020 asking for a validation ( proof ) that the debt is mine. However, the address they reported to credit bureaus was incorrect and did not deliver properly. I then resent the letter to the correct address on XX/XX/2020 which they received on XX/XX/2020. I know they received the letter because I have receipts of their signature via certified mail. According to the Fair Credit Reporting Act, creditors are to reply in 30 days form the day they receive the dispute. Conns failed to do so. I sent them a follow up letter on XX/XX/2020 which they received on XX/XX/2020. They replied within time and asked for my social ( which was already given in my initial letter ) and account number ( which I do not have since I don't know where this account came from ). As a response I sent them a copy of my credit report and a letter explaining that I do not have that information and they did not reply yet again. In addition to them not replying, they also did not furnish the proper disclosure dispute statement. By law, creditors must notify and update a dispute disclosure to credit bureaus which states that the consumer ( myself ) is disputing the account. Creditors have 30 days to do this and they failed to update a couple of times. I am tired of complying and doing my part ( following the laws ) in resolving this issue. Conns is not being compliant and this is seriously harming my credit score. I need a response fast in order for this situation to be solved.
05/22/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	LA 71107	Web	Servicemember
I started an account with Conn 's XXXX for a XXXX refrigerator. Once the account was established it had a sectional on it that should've been removed. I have requested that that account be closed out, this hasn't been completed, instead they opened another account with just the refrigerator. Now I have XXXX accounts XXXX that is reporting a {$6000.00} balance that is incorrect. The account with just the refrigerator was paid off XX/XX/XXXX but is still showing a balance due to interest. The interest promotion was to be reinstated because the duplicate account was making my true account show past due, maintaining a current account is a stipulation. The payment amount for the {$6000.00} acct was {$250.00} but to the only refrigerator act was {$90.00}, I started making the {$90.00} payments and started being reported as past due. have had numerous cases to resolve but they have gone unworked. The latest is case XXXX, that I'm being told will take XXXX business days but I am being reported to the credit bureaus for being 180 days late on XXXX accounts, XXXX that should've never been established and XXXX that is paid off but need adjusting for interest. The representative calculated and quoted me the payoff amount manually because the case still wasn't worked from XX/XX/XXXX. I filed credit disputes and the company responded back promptly that the information was correct despite cases that are open on my account proving otherwise. I find it strange they weren't able to work my case but had the ability to respond fraudulently to the credit bureaus.
05/16/2021	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	TX 77396	Web
I was out of work due to losing my job from the nationwide coronavirus. Starting in XX/XX/XXXX ending in XX/XX/XXXX. I was told my account would be on a freeze with no reporting ... .... around XXXX XXXX. I received a lump some from unemployment and paid {$640.00} towards my Conns account which I knew I hadnt made a payment on when I was out. My recipe shows that the payment wouldnt take effect until XXXX XXXX. Which mean the payment would go towards anything after that Day. I have contacted Conns and they told me it went towards the previous payments from XXXX. But my effective date says XXXX XXXX. So I shouldve have been charged for the past. And I have several late payments on my account because they applied the payments to what they wanted to. Now I cant close on a house because of these late payments. Since then Ive made a additional payment in XXXX due to the late payments being reported. I was told if I made a payment of $ XXXX-on XX/XX/XXXX it would would bring me current till XX/XX/XXXX. The payment was made. And I am still being reported late for XXXX XXXX and XXXX. I was not told by me taking this extension I would still be marked late/ if so I wouldve agreed to this arrangement. Conns have been updated my payment history up and down from 8 late payments to 5 to 3. Up and down. And is running my life and my credit report. I need the correct information. And these late payments removed and my {$640.00} payment applied to what was printed a my recipe to me from them. XXXX soon as possible. I also made a additional payment for XXXX.
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 75703	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Last 4 of SS # XXXX Conns Credit Department XXXX. XXXX XXXX XXXX, Tx XXXX Dear Conns : This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Conns Credit Corp Made on : XXXX XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX XXXX
03/30/2023	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	GA 30067	Web
On XX/XX/2023, I was browsing around looking for furniture. I came across Conn 's Home Plus website and was greeted with a popup promotion stating I could be approved for monthly payments after putting in my information and if approved and can make my purchase within 60 minutes, I will receive a FREE delivery. I hurried and filled out the form and was approved for a credit limit of {$1600.00} to use in-store. After choosing the item I wanted, I was taken to the checkout page and was given the option of how I wanted to pay one of the options was Conn 's Home Plus Financing that I was approved for. Before signing up, I also added the lease-to-own option with NO credit check. Once I got to the checkout and clicked on Conn 's Home Plus Financing option, I was taken to another site called XXXX XXXX XXXX and was asked to put in my social security number, date of birth, and my cell phone number which I couldn't understand. So I stopped the application and called conn 's support to find out what was going on and as I was explaining to the man what had happened, he ask for the last four of my social security number and date of birth and explained that I had been denied and I will receive a letter in the mail, I asked how could that be because when I was signing up, it said no credit check. The man said well it was one done on me and I told him without my consent and false advertisement. He said sir you will receive a letter in the mail, I asked how could Conn 's run a credit check on me without my permission. The man than hanged up the phone.
01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75287	Web
I had a previous acct with Conns ... with my payment being due the XXXX of each month. I went into the store early XXXX to add to the account. The Salesman said the old account would be paid off and a new acct opened. He told me to not make the XX/XX/XXXX payment as my new payment for the new loan would be due XX/XX/XXXX. I took his word as i have done this before with a prior loan and everything went ok. Within the 2 weeks after i made the new purchase i rec 'd my coupon book showing my new payment and new due date. However, i started receiving emails that my payment for my old acct was delinquent. I immediately called Conns and disputed. My acct was in review to be closed out. Fast forward to today XX/XX/XXXX, Conns has reported me late and my scores have dropped 100 points ... 2 Conns accounts show open on my Credit report which has is double what i owe them and shows any new creditors that i have too much owed. I have repeatedly called Conns to have the old acct closed out. I just looked at my acct ( old ) on their website, and it shows i have 3 payments due, and it appears they might report me 60 days late. This has been very stressful for me as I am cleaning up my credit and have worked hard to pay my accounts on time..I had 100 % good payment reporting and now i have an unfair delinquency showing up onXX/XX/XXXXand XX/XX/XXXXXXXX I have disputed but i am impatient. I want to buy a new vehicle but with my now XXXX XXXX XXXX no one will touch me ... I need the old acct paid off and the delinquency reversed on my credit reports
05/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77090	Web
XX/XX/20 - I called Conn 's to request information about my account balance ( {$5000.00} ) and receiving a credit for an Insurance cancellation I submitted. The store representative applied insurance without my approval or informing of the process. The representative stated it takes 5-7 business days to process. On XX/XX/20 I checked online with my account and Conn 's website service only provides a current balance and payment amount due. There is no details on what is applied as principal and/or interest when payments are made. There is no payment history recorded. I called Conn 's the same day ( afternoon ) and requested my account balance ; they read a different balance ( {$9000.00} with interest ) that did not match the online website. I have the recorded call on file. They still have not applied my credit nor will they advise on a status. They transferring me around to different department/people. I asked how can I see details on my account payment history and the representative stated they do not offer this service and customers have to call each time to request a copy. I requested a copy by email, but nothing was sent. This company does not send monthly statements to customers to indicate what their account is, their online account service does not provide much detail and you have to call each time, but nothing is sent. Have to call again. Companies should provide this information to customers. We have the right to know what we are being charged monthly, where are payment is applied and other information about my account.
10/28/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78251	Web
Conns XXXX repeatedly calls my phone several times a day. ( up to 6 times a day, 3 times on average a day. ) I have never had an account with conns, and will NEVER shop with them if this is how they treat their customers. They claim my diseased father whom, I have had no contact with for over 25 years put me down as a reference. Which is a straight out lie, as my father never had my phone number, let a lone provide it to anybody as a reference. They repeatedly call my sister too. I have repeatedly told them not to call me, as I have my own medical issues and it is very stressful when they call back to back from different numbers for somebody who I have not seen or had contact with in over 25 years. Particularly when they know he is diseased, because they told my sister they would need a copy of his death certificate to stop calling. My sister who did have contact with my father paid money to get a copy of his death certificate, and provided it to them. However that did not stop the calls, they continue to call multiple times a day, the whole time knowing fully well that my father is diseased. I have received 23 calls in the last 3 weeks concerning this, which is ridiculous. I have even told them, when they claim they have to talk to him and as a reference I have to help them contact him. Their best possible way to talk to a diseased person is to try and talk to them at the cemetary. Maybe they could go talk to his headstone at the XXXX XXXX XXXX National Cematary and talk to him there. These calls need to STOP
09/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78227	Web
Last month, in XXXX 2015, I applied for credit at Conn 's in XXXX XXXX, Texas for a new TV and entertainment stand. I attained the products and received my payment booklet a few weeks later. On XXXX XXXX, 2015, I purchased a money order for {$37.00} for my first payment. I was not able to mail it off that day. On Sunday, XXXX XXXX, 2015, I received a call from Conn 's saying that my payment was late. I was told that it would be due on the XXXX of the month, by the store sales rep. My booklet indicates that it is due the XXXX of the month. The woman told me no, that it is due the XXXX. I told her that I would put it in the drop box that day, but, due to Monday being a holiday, the postal service wo n't pick it up until Tuesday. She was nice and said she 'd document that on my account. A few hours later, I got, yet, another call from Conn 's about my account. I was stunned to hear that, until my payment is processed, they would be calling me DAILY. I said, no, they would n't. I received no other calls that day. Monday, XXXX XXXX, 2015 I received NO LESS that XXXX phones, along with a text message AND an email about this payment. Unfortunately, I deleted the email and text, but, have a screenshot of Conn 's acknowledgement of my request for stopping text notices. I called back and spoke with another person and told them NOT to contact me again today, tomorrow, or any other day, as this is harassment. I also informed them of my intent on filing this complaint. I hope they do n't attempt to contact me again.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77084	Web
Had a previous account with Conns. Fell behind on monthly payments in XXXX. Was then offered a Settlement Offer of {$430.00} to pay it off and it would close the account. I made two payments each month until XXXX. I assumed my account was good and closed, but never received a deletion letter as promised. I called Conns Customer Service and found out one payment in the payment plan did not process for some reason so it opened up a new settlement all over. I talked to a supervisor and got one last payment approved and if paid, it would be paid, in good standing and closed. I made that last payment in XXXX XXXX. I waited XXXX days to get a deletion letter and checked my credit regularly. When I had gotten nothing, i then called again and talked to a supervisor who stated the previous representative that took that payment input a number incorrectly, meaning the payment was never made and it " automatically canceled out my settlement offer ''. I argued how that wasn't right and talked to another supervisor who approved the last remaining payment be accepted then and there over the phone. It processed as debit and was reassured " that my account was FINALLY paid off and closed and it should take XXXX days to update and report on my credit. '' TO THIS DAY, it still shows as account open, charged off with a balance which is inaccurate. I have the bank statements showing the payments made as promised. I have disputed it several times through XXXX, XXXX and XXXX to which Conns FALSELY verified the information as accurate.
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80249	Web
I went into the XXXX 's XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. -I file a dispute with XXXX the very same day stating information reported was incorrect. XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. -I file a dispute with XXXX stating reporting is incorrect. -I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. -I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ). She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )
06/16/2020	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	CO 80916	Web	Servicemember
On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. Conn 's has been removed from my XXXX credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
04/05/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70458	Web
I have a washer and dryer through Conn 's home plus. I am trying to find out if it is legal for them to continue to call me 8 times a day. I am not even one month behind. I am behind on my payment but not even a month behind. I talked to someone yesterday XX/XX/2023 at Conn 's and told them I will make a payment. This coming Friday XX/XX/2023. The man proceeded to tell me I owed two months. I asked how much my payment was a month and when it was due. He told me it was due on the XXXX of the month, and it was XXXX $ I said Well then how come I owe two months if I am only behind on it for XXXX and the payment for XXXX is not even due yet, but I owe it? He told me I didn't need to pay XXXX, but I have to pay XXXX. Thats when I set up the arrangement to pay it. They still feel the need to call me 8 times a day from different phone numbers. All because I wont give them permission to take the money out of my bank account. If they do not get there money on the XXXX, they are calling my husband and I 8 times a day starting the XXXX. and by husband and I mean they call his phone then call my phone. and His name isnt even on the loan for the washer and dryer. Please help with this. I have even asked about how to turn the washer and dryer back over to them. They told me I had to go to the store to even see if they will take it back.they called me 6 times on XX/XX/2023, 8 times on XX/XX/2023, 8 times on XX/XX/2023 and 8 times on XX/XX/2023. XXXX just lost and tired. please help if possible.
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85756	Web
My name is XXXX XXXX, I had an account with Conns for a Laptop. I lost my job and fell behind on my debt. I was turned over to collections. I then got a job, a Great job and am now buying a home. In the beginning of the loan process I settled all my debt including Conns. I received a letter from creditor saying the debt is satisfied and will be removed from my credit report. Fast forward ... ..less than 2 weeks before my closing date on my home. Credit report is pulled and Conns is still reporting the debt. I called Conns on Friday XX/XX/18 I spoke with Mngr XXXX who assured me it was Conn fault and the would send via email a letter stating the account is satisfied. I did not get the email. I called Sat the XXXX and was told that yes Conns would send an email BUT it could take 72 hrs to receive the email ... .of course I wasn't happy but Conns does not care!!!! Fast forward to XX/XX/18 ... .Still have not received the email. I called Conns again. On the phone 3 different times. They informed me that they will not send an email. They said the letter had to come from XXXX XXXX ... I told them I have that already and I just need the email they promised me. They said no. Conns is prohibiting me from being able to close on my home with the better interst rate. I told them I just want what for XXXX days they said they would provide. This should have been removed from my credit report MONTHS ago. I JUST NEED AN EMAIL stating it is satisfied that's all ... .It has to come from Conns .
10/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75234	Web	Older American
In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. Respectfully.
02/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75068	Web
In XXXX of 2019 my identity was stolen and used to open three accounts at a Conn 's HomePlus in XXXX XXXX, TX. These accounts were opened on three consecutive business days : XX/XX/2019 in the amount of {$3300.00}, XX/XX/2019 in the amount of {$5100.00}, XX/XX/2019 in the amount of {$10000.00}. I became aware of the fraud and reported it to Conn 's on XX/XX/2019 after receiving payment books. That same night I reported the fraud to the major credit reporting bureaus and put a freeze on my credit. I also filed an Identity Theft Report with the FTC and the next day I went to my local police department in an attempt to file a police report. Conn 's Fraud Department sent an Identity Theft Victim 's Complaint and Affidavit which I filled out and had notarized before I returned it along with copies of my state ID, Social Security Card and the FTC Report. Conn 's Fraud Department acknowledged in an email that my identity had been stolen, but insisted they would not investigate because my local police department did not let me file a police report. I was able to secure an " Event Report '' from the police, but was told by the Conn 's Fraud Investigator that it was not sufficient. The three credit bureaus have since concluded their own investigations and all three agree the accounts are fraudulent. All three removed the Conn 's accounts from my credit report. I informed Conn 's of this, but I'm still receiving bills from them in an attempt to collect money that I do not owe.
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.
04/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77381	Web
receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in XXXX Texas and drop it off for repairs. I spoke with and handed it to my salesman XXXX XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in ( XXXX XXXX ) a nd he said he would do everything he could to get this take care of. I called their corporate office in XXXX to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.
07/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76901	Web
I spoke with a representative of Conn 's XXXX XXXX on XX/XX/2020 about a payment owed on my account. I asked if they had any payment relief programs due to the Covid-19 pandemic and was told they had a program that allowed a half-payment with the other half rolled over onto the end of the loan. Half of a payment was, in my case, {$82.00}. I said that I could pay {$50.00} at that time and the representative said that would be fine. {$50.00} was paid on XX/XX/2020 to account ending XXXX for XXXX XXXX, confirmation # XXXX. The remainder of the standard amount due was to then roll onto the end of the note, an amount quoted as {$110.00}. I received the confirmation email for that payment while still on the phone with the representative. I asked, while still on the phone, if he could push out confirmation and terms of the payment program via email so that I would have record of it. After holding for a few minutes he told me that it takes 2-3 business days for that email to go out. I've received no such email. Today, XX/XX/2020, I began receiving collections calls from Conn 's XXXX XXXX stating that account was past due and that the {$110.00} was due immediately. When I spoke with a representative they stated that the additional {$32.00}, over the {$50.00} already collected on the pretense that the account would be brought current, would be due in order to qualify for the payment program I was previously promised. This seems intentionally deceptive.
09/22/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28214	Web
On XX/XX/2020, I contacted Conn Home Plus to see what options for payments to get had available to assist customers during the COVID 19 pandemic. They offered to refinance my account if I was to make a payment of {$160.00} by XXXX XXXX and going forward my payments would drop from XXXX to {$130.00} per month. The payment was made and the contract was signed and dated on XX/XX/2020. All through XXXX, XXXX, XXXX, XXXX and now XXXX I have received harassing phone calls and now a letter from and Attorneys office about the old account. I have contacted Conn on multiple occasions asking them what is going on and why are they sending harassing emails and calls. Each time I mentioned that I had refinanced the loan and waiting on the new account as I told them was supposed to be to me since XX/XX/2020 they would give me an explanation that due to COVID 19 they were behind and it could take 90 days but the contract had been signed and payment has been made so everything things is ok. I had no worries. On XXXX XXXX I received a letter from an Attorneys office about the old Debt to Conns wrong amount and all. I have been harassed for months and no resolve. Ive forwarded the contract signed by my self and Conn to the attorney XXXX XXXX in WI. The amount owed isnt correct because payments have been made to Conn Appliances, INC. I have my phone records with the dates and times and duration of the calls with Conn regarding the new account and the harassment.
11/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77389	Web	Servicemember
On XX/XX/21 I made a purchase of electronics and furniture at XXXX 's XXXX. The purchase was financed through Conn 's Credit Corporation IncXXXX and included a Pac-Man Legacy video arcade game for {$640.00} and 6 dining room chairs for {$140.00} per chair, plus a delivery charge of {$140.00}. The finance agreement also included an insurance policy which I was told was required but could be canceled with proof of homeowners insurance. I was able to pick the arcade game up from the XXXX 's warehouse that same day. The store promised to deliver the XXXX dining chairs the next day on XX/XX/21. The items were not delivered as promised and so I returned to the store on XX/XX/21 and requested a refund for the dining chairs. In addition, I requested a price match guarantee credit for the video arcade game and provided proof of homeowner 's insurance policy and requested cancelation of the XXXX 's insurance coverage. The store provided an invoice with a credit of {$210.00} for the price match guarantee and credit of {$1000.00} for the dining chairs. I was advised by the store XXXX, XXXX that I would receive a new payment schedule in approximately 30 days. I received the revised payment schedule reflecting monthly payment amount of {$28.00} as well as proposed life and disability insurance documents issued by XXXX XXXX XXXX XXXX XXXX of Florida with proposed premium in the amount of $ XXXX.I did not request nor approve life and disability coverage.
04/23/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29730	Web
I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.
11/26/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NV 89106	Web
The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?
03/17/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 77407	Web
In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week. 6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars). I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry. In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket. I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.
10/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85705	Web
Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you
09/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85298	Web
Hello, I have been a victim of identify theft with Conns Corporation since 2019 and have attempted to dispute this debt with XXXX three times now that shows up as a derogatory closed account on my credit report. I have asked numerous times that they provide me with the steps they took in validating this debt, proof of original contract with my signature, and the steps they took under 15 USC 1581 to provide me with documents and the steps they took for the required reinvestigation. I have even supplied them with a copy of my IDtheft.gov claim number and file which clarifies this contract was fraudulent, security footage shows I never was in the store on the date which this contract was signed, and they can not provide a signature that is accurate and matches my own on this fraudulent charge. I have received a bill, but never an original contract which proves this was not identity theft and fraud. A man signed this account under my name and social which was never granted and a police report was even opened, which XXXX refuses to provide me with the original contract and loan validation that proves I was in fact, the person who agreed to this account, in store as stated by Conns where the contract was signed. I can not allow this fraudulent account to remain on my credit report and will seek out legal representation if it comes to such measures to prove I was never the individual to agree to this contract or apply for such. Thank you.
01/27/2020	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 29506	Web
I applied on Conn 's website only to see if I would pre-qualify by filling out the short form pre-qualify application, it cleared stated in bold yellow writing " the application wouldn't impact to lower your score ''! I hit the submit, to see if I would pre-qualify, it gave me offer for up to {$4000.00}. So I still assume it was a soft pull because it awarded me up to {$4000.00} not a definite credit line of {$4000.00}. I was unaware until the next morning on XX/XX/2020 when a sales rep named XXXX called me to inform me on the new credit line. I quoted to her the same thing that I didn't complete a application for a new line of credit, it was to a pre-qualification to see if I would qualify, that I was looking but wasn't ready sure if I was going to make purchases at Conn 's, especially when I didn't complete a application to run my credit for a hard pull, and the offer is only good for 30 days unlike any other line of credit or store credit, then you'll have to do another application for credit.Then I checked my credit monitoring it indeed was a hard pull, and my score was dropped as a results of this unauthorized action. Conn 's is the appropriate name for their business, plenty of consumers have gotten suckered by what happened to be a soft credit pull on their pre-qualify site, please check the internet for the reviews I'm one of many that this has happened to, it needs to be stopped by the federal government agency immediately!
09/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85015	Web
IVE PAID ON TIME EVERY MONTH - THE FIRST 3 MONTHS I HAD THE LOAN I WAS TOLD XXXX TIMES THAT MY PAYMENT DUE DATE HAD BEEN MOVED- AND XXXX TIMES I RECEIVED A CALL STATING MY PAYMENT WAS DUE THE DAY FOLLOWING THE ORIGINAL PAYMENT DUE DATE. IT WAS FINALLY CORRECTED AND EVERY PAYMENT HAS BEEN MADE ON TIME. MY SIGNIFICANT OTHER LOST HIS JOB - SO I WAS UNABLE TO MAKE THE PAYMENT FOR XXXX. I TRIED EVERYTHING I COULD TO PULL THE MONEY TOGETHER, BUT CALLED THEM WHEN I COULD NOT TO ASK FOR AN EXTENSION. I WAS LITERALLY TOLD THAT BECAUSE I MAKE MY PAYMENTS ON TIME THEY COULD NOT DO ANYTHING TO HELP ME. I HAD TO BE 2-3 MONTHS BEHIND ON PAYMENTS FOR ANY ASSISTANCE. TOLD THEM MULTIPLE TIMES I COULD NOT MAKE THE PAYMENT TIL THE FOLLOWING MONTH AND I COULD ONLY PAY THE REGULAR AMOUNT I COULD NOT DOUBLE UP. SINCE THE PAYMENT DATE THEY HAVE BEEN CALLING MY PHONE IN AN EXCESSIVE AND HARASSING MANNER, EVERY SINGLE DAY - CALLING BETWEEN XXXX TIMES A DAY IF NOT MORE. THEY ARE CALLING MY CELLULAR PHONE WITH AN AUTOMATED DIALER. THEY ARE CALLING MULTIPLE TIMES AFTER LEAVING MESSAGES WITH AUTO/ROBO DIALER - I HAVE NO GIVEN THEM PERMISSION TO DO SO - THEY CALLED MY PLACE OF EMPLOYMENT. MY SUPERVISOR TOLD THEM I CAN NOT RECEIVE PERSONAL CALLS AT WORK. THEY CALLED BACK THE FOLLOWING MORNING - ALL OF THESE ARE PRETTY CLEAR TCPA VIOLATIONS AND WITH ALL THE OTHER ISSUES BESIDES THESE THAT I HAVE HAD WITH THIS COMPANY IT REALLY IS OVERWHELMING AND UPSETTING.
02/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 774XX	Web
Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened - XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
10/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 791XX	Web
XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX, TX Re : Conns Appliance debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XX/XX/XXXX-XX/XX/XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX history of XXXX and XXXX XXXX and XXXX and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to Conns when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at Conns and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
05/16/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 765XX	Web
This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.
09/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I had 4 accounts with conns. They sent settlement letters month after month on the charged off accounts. I took the last one they sent and sent a settlement letter and check for each account for that amount. My letter stated if this wasnt a good settlement anymore, to shred the check and let me know. They cashed all 4. They then took the check amounts and are reporting all accounts as still having a past due balance as if they have not been settled. Now they are sueing me for the balance on the account ending in XXXX as if these are not settled debt. i have sent dispute after dispute. They keep reporting past dues on a charge off ( not allowed due to FCRA ) to keep updating my negative accounts to new every month. Accounts have been closed for a year. The bureaus refuse to investigate my pictures and delete on their own as you can see in my documentation i am correct. Please help me get these accounts settled as they should be with conns so collections cease and deleted from my reports as i have files full of documentation of them repeatedly updating my accounts after disputes to make them hurt my scores more each time i dispute. This is shady business practices. I want this on consumerfinance.gov as conns has done nothing to repair the situation. I also had a positive account in XXXX ending in XXXX they updated with a charge off status in XXXX ( 7 years later ) and it was never a charge off! They refuse to remove it.
10/13/2022	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 Their investigation did not fix an error on your report	TX 77084	Web
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information
07/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29640	Web
I purchased a washer online thru Conns website I applied for credit got approved for {$5500.00}. I purchased the washer on XXXX when I was completing the application I was approved for interest free payments for 12 months and {$100.00} off my purchase. After completing my first application I didnt get my {$100.00}. I called Conns I spoke with Agent XXXX XXXX and she gave me {$150.00} off the purchase and the ensured when I signed my contract it will give me an opportunity to choose interest free. I reviewed the contract didnt have the opportunity for interest free. I Emailed the company got no response so I figured it would be the same as my XXXX XXXX account the interest would not be added as long as I made 12 equal payments of {$82.00}. I received my paper work mid XXXX showing I would be charged more interest then the total cost of the washer {$970.00}. I called Conns I was told by an Agent because I did not spend my total amount I was approved for I was not entitled to interest free. Not at anytime before I signed the contract was that explained they cant tell you after you sign the contract you have to spend all you are approved for.I then spoke with XXXX and the agent insured the contract would be fixed to get interest free. I am on my 3rd payment and I heard nothing from Conns on fixing the loan to reflect interest free. I borrow {$970.00} I will only pay 12 payments of {$82.00} and I will pay no more.
08/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30815	Web	Servicemember
I was ambushed by this company by a fraudulent advertisement in the store, the sign said 24 months same as cash, after opening the account went in to make my first payment only to find out it wasnt 24 months same as cash but 12 months same as cash, so I panicked to try and get the account paid off before the 12 months, I felt since they hadnt explained it therall to me on the end of the contract I needed 2 more days to come up with the full amount, Got an associate on the phone that needed to get approval from a manager and he put me on hold came back to the phone saying he had gotten it approved so I called back a few days later to pay the account off and the new associate had no clue of what I was talking about but these calls are recorded, but they claimed they did an investigation and they didnt find anything which is ironic, because upon taking payment or setting up payment arrangements the calls are recorded.So long story short I ended up paying hundreds of dollars in interest fees because after they didnt hold up there end of the bargain the account nearly tripled I struggled to pay it off which I finally did but had nemerous late charges and late payments I was devistated. I had a total of 3 accounts with this company now I only have 2. I had no clue what to do, plus they were reporting late payments to my reports during the height of the pandemic XXXX and XXXX of XXXX also XXXX and XXXX of XXXX
08/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NH 030XX	Web
I originally financed something back in 2009 with Conn 's appliances in XXXX, Texas. When I moved out of state and then had an issue with the product they refused to honor the store bought warranty. They instead deferred me to the manufacturer. The manufacturer ( XXXX ) then seized the defective product after recognizing it was fully defective. Since I was no longer in possession of their property any longer I was under no legal obligation to continue paying. However I believe I did pay XXXX more note but that was n't good enough for them. They demanded I turn over the new laptop XXXX custom built for me and the tablet I was also not in possession of at the time as it ( the tablet ) had been bamboozled away from me while in the midst of a XXXX They were provided with the name and address of who was in possession of it but refused to go and fetch it. They have now over inflated the amount owed on the account to pad their tax/financial records. According to the Texas statute of limitations of debt collections they had a limit of four ( 4 ) years and then to cease any and all collections against my credit in general which they are still attempting to do under the federal guidelines which is seven ( 7 ) years. The limit in New Hampshire where I am now a resident is three ( 3 ) years maximum on installment accounts credit cards etc. They are committing credit reporting fraud.
05/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 294XX	Web
In XX/XX/XXXX, the day after XXXX, I went to Conn 's Home Plus to purchase an appliance package they had on sale which included a refrigerator, stove, microwave and dishwasher. They did not have dishwasher in stock and thy back ordered for pick up after XXXX. I never heard from Conn 's about item coming in to store. In XXXX I began getting text message about a late payment of {$44.00}. When I called customer service, I told them I never received dishwasher and was not paying for something I never received. I have spoken to customer service numerous time regarding this matter. I emailed corporate to let them know what was going on and they said they call customer service. Customer service finally said that someone pickup dishwasher on XXXX, XXXX. I asked to see the signed document regarding the pickup. They had nothing. Someone went into the computer and marked item picked up. I dont know why an employee code was not shown to see who completed this transaction. Conn 's is now threatening to turn account over to a collection agency. There is something fraudulent going on in that store. I NEVER PICKED UP A DISHWASHER AND i WILL NOT BE BULLIED TO PAY FOR SOMETHING i NEVER RECEIVED. I want proof that dishwasher was picked up and by who, I will sue Conn 's if they place any negative item on my credit report. I am also filing a complaint with the XXXX becasue this makes no sense,
04/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38125	Web
On XX/XX/2018 Conns fraudulently submitted a payment for my loan to my savings account resulting in a non sufficient funds fee of XXXX XXXX dollars. I called Conns and was quoted a higher balance than I was suppose to have. I spoke to a representative at Conns about this matter. The representative advised me that due to them processing my payment and it returning due to lack of funds that the zero interest option would no longer be available and that I was now responsible for paying the interest on the account. I explained to the representative that I made my payment via checking account as I have done with every other payment prior to this one and what was the reason for them processing my payment via savings. The representative advised me that I chose the savings option for payment on the automated line. Be advised that the automated line system makes long pauses while making choices to process your payment and could of incorrectly have taken the payment in the wrong way. The representative advised me to send my bank statement in showing that I had the funds available in my checking account when I made the payment and that they would conduct a investigation. I called back several weeks later and was advised that although the funds were in my account they werent going to remove the interest. I feel that this was a deceptive practice by Conns to ensure that I paid interest.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 777XX	Web	Older American, Servicemember
this started in XX/XX/2019 over a financing of flooring at XXXX XXXX XXXX XXXX Texas XXXX financing was originally done in XX/XX/2019 first payment was XX/XX/XXXX for 24 months which I requested 36 months and they would not accept 36 months they would only do 24 months. The date I went to them to do a renewal was XX/XX/XXXX spoke with XXXX XXXX and she did the renewal for the 36 months that I requested for at first. First payment was XX/XX/XXXX which I had paid monthly since the renewal but for some reason Conn 's Office has been calling and harassing me over {$350.00} for this loan that as already been renewed back on XX/XX/XXXX for 5 months every week 3 to 4 times a day I have received threating phone calls and message 's from Conn 's Office. They put this on my credit as delinquent and late fees and refused to take this off knowing that this loan was already renewed back on XX/XX/XXXX. As of XX/XX/XXXX I have received another threating message and phone calls. I have tried on several occasion to resolves this with different other organizations of Conn 's to get this matter resolved with out any resolutions in the matter. I also tried to contact the Corporate Offices in Arkansas but once again no resolution what so ever for the matter. These are the Account numbers in which are the issue 's consist of Account # XXXX closed out and this is the current Account # XXXX.
04/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87121	Web
I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.
10/21/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75068	Web
I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX. I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX. I have never been late on my account so I asked what account are you talking about? The representative stated the $XXXX would bring me up to date and that I was not late. After breaking down the accounts I was told that the accounts were seperated. I told them I had the paperwork and the balance from the XXXX account was carried over. They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00. I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me. I went to the store and XXXX gave me a customer service number to call and told me not to listen to them. I have received harassing phone calls, collection threats and feel as if I am being scammed. I have spoken to supervisors and no one is will to work with me. The store blames corporate and corporate blames the store. CONN Appliance waits until you are almost done with your payments and changes things without your knowledge. This is fraud.
12/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77479	Web
Step 1 : What is this complaint about? REF : contract nbr XXXX dated XXXX/XXXX/XXXX CONNs XXXX/XXXX/XXXX added Insurance to a {$1100.00} TV purchase for {$130.00} to the {$1300.00} Promissory note conditionally until I provided copy of my Home owners insurance! Step 2 : What type of problem are you having? and now they will not back it out from loan as promised by salesman in spite of us hand carrying to store copy of Home owners policy in 48 hrs [ have receipt ] Step 3 : What happened? Called 4 times to get adjustment reflected on payment book or a revised loan at same terms [ XXXX at 34.04 % = $ XXXX until XXXX XXXX ] but they send me a payment book with the same amount INCLUDING insurance for {$130.00} Step 4 : What company is this complaintabout? conn credit corporation, inc. XXXX XXXX XXXX XXXX tx XXXXPhone XXXX corporate phone is XXXX Step 5 : Who are the people involved? XXXX purchase date : XXXXXXXX XXXX [ salesman ] successive operators 1. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in person face to face at store in XXXX TX 3. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX credit dept transferred to cust serv transferred to insurance dept who hanged up on me 5. XXXX : verified loan amount XXXX has not been revised tp {$1100.00} which represents {$130.00} XXXXXXXX interest= {$220.00} potential or intended fraud of the inadvertent or passive customer..
03/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78253	Web
Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".
04/04/2016	Yes	Credit card	Billing disputes	TX 766XX	Web
The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.
11/08/2016	Yes	Credit card	Other	TX 77433	Web
This credit card company Conn 's Credit Corp One is reporting on my credit report {$1700.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76179	Web
Conn Appliances Inc has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact XXXX XXXX XXXX via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
08/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75126	Web	Servicemember
I have sent letters and called many times about this account to Conn 's. Conn 's have CON me out of hundreds of dollars and also have me with a 30 day late on my credit bureau report. This account was paid off in XXXX XXXX. Conns contacted me letting me know that I had a balance on my account as of XXXX XXXX. 1 1/2 year later they called me and told me I had a balance still owed. Conns also harass me by calling me multiple times a day after I repeatedly asked Conns Not to call anymore. I talked to someone at Conn 's on XXXX/XXXX/XXXX. I asked her what was the balance because I wanted to pay the account off because it was a promotional purchase of {$1600.00} if paid by XXXX XXXX. I paid her the total amount she told me I owed on XXXX/XXXX/XXXX. This is FRAUDULENT of Conn 's not to give a fair investigation to my account, I paid on all my accounts on time. They are still collecting money from me on this Account. I asked them several times to pull the tape of the call I called on XXXX/XXXX/XXXX to make my final payment which she said was {$950.00}. I also talked to someone on XXXX/XXXX/XXXX and she said if I paid {$150.00} that my balance will be paid in full. She lied. I was still being harass and then I found out that they reported me 30 days late on my credit report. I have ALL my receipts and paperwork. I can be reach at XXXX to discuss this matter. Thank you
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77301	Web	Older American
Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine
08/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 787XX	Web
I opened an account at Conns in XXXX. I fell behind on payments due to medical issues. In XXXX I agreed to a settlement option with Conns. The details of the agreement included {$100.00} payments a month from XX/XX/XXXX-XX/XX/XXXX. The last payment was a balloon payment of {$960.00}. The payments were automatically withdrawn from my account on time each month. After the last payment I contacted Conns in XXXX to confirm payment was received and to receive a letter/receipt of confirmation. I was hung up on by the Customer Service Agent. I recently discovered Conns did not close the account and put it on my credit report. Conns is now trying to collect almost {$3000.00}. I can never get anyone on the phone thats helpful or respond to emails. I started sending dispute letters to Corporate in XXXX or XXXX. Now Im getting phone calls. After speaking with Reps from Conns I contacted my back for proof of payment. My bank confirmed that Conns returned the {$960.00} payment on XX/XX/XXXX. Conns rep told me the payment was returned on XX/XX/XXXX for insufficient funds, which is not true. I have sent a letter to Conns confirming per my bank that Conns returned the payment. I also recorded the conversation with my bank and sent that in an email to Conns. I have asked Conns to remove the derogatory line from my credit as this is an issue thats not resolved. No response!!
02/23/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29730	Web	Older American
This complaint is about Conn 's stores. I purchased a full bedroom set and a 55-inch TV. On XXXX, the banks were closed for the holiday, and my paycheck had not cleared. Conn 's attempted to draw the payment but could not. On XX/XX/2021, I went online and paid the monthly installment. As I was making the payment, I received a call from Conn 's. I explained about the bank being closed and that I had just made the payment. I informed them I only get paid twice a month and that I wanted to change the autopayment date to the XXXX of each month. I was informed that I could not make the date change but that I have 10 days after the due date to pay the bill. Also, to change the date, I would have to have the account open for 45 days. She then suggested that I do not change the date, since it is only a couple of days and that if I paid before the 10-day grace period I would incur no late charges or interest. Since that conversation on XX/XX/XXXX, I have been called 8 times, sometimes twice a day. The latest 2 calls were received today, XX/XX/2021. XXXX 's still shows my account as past due even though the payment hit my bank on XX/XX/2021. The calls are coming to both my work and cell phone number. Several times when I answer my work number, the caller says nothing and hangs up. I have requested that they remove my number from their auto-dialers but to no avail.
02/05/2019	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	TX 77469	Web
I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$3400.00} CONN CREDIT CORP XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
02/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75901	Web
In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.
07/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29316	Web
I purchase a refrigerator from Conn 's appliances.3 days after delivery My ice maker was not working. I called Conn 's and they sent a repairman out from XXXX about 3 weeks later. The man took the ice machine apart and said he could not find anything wrong and does not know why it wont work. He did say that the blades did not fit. I called Conn 's the next day and they said there was nothing they could do. I told then to contact the manufactured which was XXXX and they told me they would get back to me. I had not heard from them for aproximatly 2 weeks and I called them. They told me that they were not going to pay XXXX to come out but they will send someone out from the same company. The same gentleman came 2 weeks later nad walked in my home and said : Ma'am, I dont know what they want me to do.! He called his boss from XXXX and the boss called XXXX. XXXX said they could send someone out but at MY cost since Conn 's would not. He said or..They could just replace the unit and be done with it. Conn 's refused to replace the unit or fix it. Still to this day, when I call them all they want is money and they said they will not repair or replace the almost {$3000.00} refrigerator. I paid XXXX {$640.00} to fix the unit. Conn 's will not credit me the the repair fee. Please help me resolve this issue as Conn 's is reporting negative on my credit.
04/18/2022	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 Was not notified of investigation status or results	TX 77339	Web
This is a formal complaint against Conns Appliances Inc located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns Appliances Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/18/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	SC 29673	Web
On XX/XX/2022 around the time of XXXX XXXX XXXX. I spoke with a gentleman from Conns XXXX XXXX. I was at work at the time of the call. This was a very inconvenient time for me. I told him I was at work and he persisted to ask me to pay the amount I owed. He was very rude in using obscene and profane language towards me, This is a violation according to 15 USC 1692 ( d ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader He asked me when do you get payed. You owe and debt and you havent paid it how do you want to take care of this. This is another violation because begin to annoy me. 15 USC 1692 ( d ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I then proceeded to ask for a supervisor, at first he wouldnt let me talk to anyone. Then he transferred me over to his lead name XXXX. When she got on the phone she never said anything about this is an attempt to collect a debt neither did the first guy I spoke with. XXXX began to be rude and started using obscene language towards me and begin to annoy me.This is a violation according to 15 U.S. Code 1692 ( d ) ( 5 ) After this call was over I was very disappointed in the way I was treated.
05/28/2021	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 Was not notified of investigation status or results	TX 77039	Web
This is a formal complaint against Conn 's XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
11/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37207	Web
On XX/XX/XXXX, I contacted the three credit bureaus to inquire about inaccurate information that is currently reported on my credit profile. Conns Appliance Inc is an account that was opened on XX/XX/XXXX, on my profile. The account number is XXXX and has a balance of {$3200.00}. It was opened against my knowledge and consent and is a Collection account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.
05/21/2021	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 Was not notified of investigation status or results	TX 77365	Web
This is a formal complaint against Conn 's XXXX Inc. located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's XXXX Inc. has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
11/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77063	Web
I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.
07/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web
Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc., authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.
06/06/2023	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	VA 23455	Web
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! Conns appliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/26/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NC 27106	Web
I am formally filing a complaint against Conn Credit Corp/Conn Appliances Inc for deceptive credit reporting practices as well as violating FCRA and Fair Debt Collections Practices Act. Furthermore, they are also in violation of North Carolina General Statute Code 58-70-01 which prohibits a debt collector or credit bureau from engaging in debt collection practices without obtaining a surety bond, and filing said bond with the North Carolina Secretary of State office. On XX/XX/2022 I sent a dispute letter to Conn Credit Corp, where I disputed a derogatory tradeline being reported under my social security number for a {$2600.00} charge-off. On XX/XX/2022 the dispute letter was returned as undeliverable. Not only are they reporting a fraudulent address, but they are also showing the account 's worst delinquency is a bad debt/collection account on my XXXX, this is in blatant violation of the North Carolina Debt Collection act specifically NC General Statute Code 58-70-01. They are also reporting separate company names, and conflicting addresses under my social security number. To add insult to injury, they are showing the account as charge-off with no closed date as well as reporting a balance of {$2600.00}. They are in violation of numerous FCRA and FDCPA, including North Carolina local state debt collection laws.
04/12/2020	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	CO 80003	Web
I have a conns account i am paying monthly on it i was told i did not have a payment due for XX/XX/XXXX and i did not get any calls for XX/XX/XXXX i started getting calls every day iin the beginning of XX/XX/XXXX stating my account was past due i talked to a rep and he told me what i needed to do to call back on the XX/XX/XXXX and make a payment and request for a forgiveness so it would lower my payment and it would bring my account current, So i called back made the payment he stated my account was current the payment was made for XX/XX/XXXX, and XX/XX/XXXX i wouldn't have a payment due until XX/XX/XXXX, ok so a couple days after i was getting harassing calls EVERY DAY EVERY HOUR saying my account was past due, i would tell he rep the same story every time, they always said they fixed it this went on for about two weeks and every time it was fixed but apparently it wasnt so i finally asked to talk with a supervisor i talked to the supervisor and he hung up on me, then i finally got a hold of another one who said he took care of everything and my account is current and they will submit for it to be taken off my credit, That was a month ago and its still showing on my credit as being late but now it says its late 5 month!!!! I have been paying every month on time i have the receipts but cant attach them its not letting me
01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85298	Web
I opened an account withe Conns in XX/XX/XXXX. I received an email welcoming to this insurance company. I realized Conns added renters insurance to my account. I reached out to Conns and they told me how to cancel my ins. and the warranty, which I did add but no longer wanted. I did exactly what they told me and I saw a credit for the warranty and no charges for ins. I thought it was done. I purchased another item in XX/XX/XXXX and realized that I was still being charged for the Ins. I called and requested to cancel and receive a refund of all ins. paid. I was told to show proof I carried ins. for the past 2 years and it would be refunded. I asked what the amount was and she said XXXX. I paid it off minus the XXXX. This was in the amount of XXXX. This amount came from the agent I was talking to. Fast forward, this was never done, after numerous calls I finally just paid the amount off on XX/XX/XXXX because it was really affecting my 100 % payments credit score. Now today it is still affecting my credit, Conns has {$70.00} still sitting on my credit with 116 days delinquent. I have called several times but they keep saying although I don't owe anything it's still under review. In the meantime my credit score is dropping and I'm in the process of buying a small company. I have disputed this transition and still nothing.
04/23/2021	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 Was not notified of investigation status or results	TX 770XX	Web
This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
03/17/2021	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 Was not notified of investigation status or results	TX 77520	Web
This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75232	Web
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC # XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
07/27/2021	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 Was not notified of investigation status or results	TX 77396	Web
This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
07/07/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92806	Web
Hello, I received a letter in the mail from XXXX consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
02/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	VA 23222	Web
Conn 's has reported my account past due iao {$19.00} and showing past due for 30 days based on an fee. The pay account that I normally use for payment was changed due to fraud and I forgot to update the new account information. The payment came back returned and once I realized what had happened I immediately went into the account to make the payment. My contractual payment each month is {$31.00}. That payment was made on XX/XX/20 in full. Conn 's reported the account past due for 30 days on XX/XX/2020 and cause my credit score to drop 30 points and added a negative mark to my payment history. I called in XXXX, and have tried to resolve the issue with the company several times this by chat and phone and have yet to get this issue resolved. I was told that the supervisor would call me back before the XX/XX/XXXX and no one yet has called me still to this day. I reached out again on XX/XX/20. The rep stated that they can include the fee into the contractual payment amount due for that month. I advised that this was illegal and that technically they were changing the loan agreement without my consent. Conn 's changed my payment amount due for the current month to include the fees as the actual monthly payment due. I would like my payment amount adjusted to show the contractual payment amount due each month.
07/06/2018	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	TX XXXXX	Web	Servicemember
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TN 37040	Web
I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.
01/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX XXXXX	Web
I have had my Conn 's installment loan for 3 years now. I opened this at the store in XXXX, TX. I had identity theft, which led to the payments being sent back from Conn 's on what otherwise would have payed off on the loan. Well Conn 's called me and offered what they called MATCH pay they said if i paid the two payments of {$230.00} they would waive the late fees, and match each payment after two consecutive months of payments. I paid the two payments two different months. Conn 's never matched my payments. I called them over 15 times, i asked their agents why i was lied to and told them to take a look at my notes on my account it clearly states match pay was approved. It 's been over 5 months and Conns still has n't matched my payments. I have called again and was told to call back in a couple weeks they are still reviewing it and will apply the payments soon. NEVER DID THEY APPLY These. My balance should be XXXX $ i would have then paid it off by now. I was promised this match pay by their management. When i called Conn 's credit. They keep telling me i owe XXXX $ because they have n't completed my match pay. When i ask why they keep saying they do n't know its a different department but they do see the notes on my account. So they are falsely reporting on my credit report as late.
02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37412	Web
I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )
10/02/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 313XX	Web
I have an account with conns home plus and I try making my payments on time but my pay check dont all ways line up with the due date. I have informed them of this many of times but all that I am told is to sign up for auto which still would not help and could probably make my account go negative. I have call and have told them I will make a payment on a set day and to please dont call me. They will continue to call 4-6 times a day from multiple numbers. They will sent me text messages saying Good credit is important. Your account is 9 days past due. Please call Conn 's @ XXXX and pay {$130.00} or for assistance. I also will receive emails saying we are here to help or I can help you with your account. Both of these statements dont live up. I even have had trouble making a arrangement on my payment. I would say that I would be maybe 12 days late and thats when my next paycheck comes in, they have to get permission from a Supervisor to let the payment go though. At the time of XXXX they were running a promotion for 0 % Interest for 12 months. I put {$500.00} down on my account to open it on a XXXX computer and they said that I did get the interest free period even though the purchase amount as well above the minimum amount. I will not use this company once this account is paid off.
02/01/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 768XX	Web
On XX/XX/XXXX my Wife and I walked into a XXXX XXXX store and my Wife made a purchase for a couch set that they wouldn't not deliver to us and didn't not keep in stock at the store location. We drove away from the store and decided we could not wait a week for new couches. My Wife called the store to cancel the purchase, since we had not received any products from this store, we thought this would be simple. The store refused to cancel the purchase and our bank refused to reclaim the money. Both parties said we had XXXX XXXX back to the store and present the card we used to make the purchase. Problem, we live over XXXX miles from the store. The store said it would cost {$300.00} to deliver a couch to our location, but the store won't pay XXXX {$300.00} to make that same trip to cancel the purchase. We have received no products from this store, and they are keeping $ XXXX of our money for refusing XXXX XXXX over XXXX miles to come back. There are no laws requiring us to force XXXX XXXX and return to the store for a refund. We have no products from this store, and we want our money back! XXXX. You can't keep money that's not yours! And I'm not driving that distance to come back to a store that I now hate. I simply don't have to. Give the money back, or I lawyer up. Last chance.
04/19/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85142	Web
XX/XX/XXXX Conn 's first inially stated I owed {$3300.00}. I eaxplained I never took delivery of the mattress. XX/XX/XXXX They finaly removed the mattress charge but the tv charge should only be {$660.00} XX/XX/XXXX The TV chaerge was still showing {$760.00}. The tv was only {$660.00}. XX/XX/XXXX I could not longer make payments Conn 's company would not tell me the late fee cahrges only what was due. XX/XX/XXXX I emailed Conn 's and said I can pay {$25.00}. They asked me to tell them why I explained I was no longer working they said I need to borrow the money to pay them. XX/XX/XXXX Still not working I can pay {$25.00}. Conn 's said I owed {$890.00}. XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owed {$990.00}. XX/XX/XXXX Still not working I can pay {$25.00} Conn 's said I owe {$1300.00}. The amount I owed kept increasing with no explanation. However on my credti report it reported I owed {$760.00}. I attempted to contact COnn 's and explain that the ampunt of teh tv was {$660.00}. Please send me a ledger with the monthly late fees showing the amounts and they will not. They tell me one amount but I check my account online and its always more. I want to pay for cost of the tv. Not all these different chanrges that seem to be made up.
08/25/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85629	Web
Conns appliances is filing a judgment against me. This debt is reporting on credit as opened in XX/XX/2015and that is false. This debt was opened 10+years ago. I had made a settlement agreement after there own employee lied of the terms of contract. I did not make the last payment as Conns would not provide written proof of settlement agreement. If you request communication records you will see how many times I tried to call and resolve this and how many people I bounced around with to try and get an answer. This was a {$3000.00} purchase I have paid double that amount and now they are starting balance is still over {$2900.00}. Even though technically in settlement I only owed about {$800.00}. They are changing dates to extended statue of limitation. They are now using a law firm by the name of XXXX law firm for judgment. They have records of how many times I paid and tried to resolve this and never worked with me. I offered to return TV and they lied and said that was not an option. I have had nothing but trouble trying to resolve this. And again records and dates are being changed. I will be working with my bank to get statement copies of every time I paid them. But cons needs to have payment history and the date this account was actually opened. Please help!
07/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75206	Web
I have tried Several Times through the Credit Bureau 's as well as through several letters l have sent directly to Conns Appliances Inc/ Conn Credit Corp ( See Attachment ) to get Conns Appliances to send me the Documents required by Law to share to be what they claim l owe, as they are under Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information , and for which are responsible to furnish to me or else Delete that on my credit reports. I called the Customer Agents on the phone numbers on my reports and letters l have sent have not been responded to for over 30 plus days and they could not validate the referenced accounts and hence, how is this possible to be reported to the Credit Bureaus without documentation proof with my signatures and all related supporting signed details l am to be furnished with they have violated FCRA 623 ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER, They have been unable to perform a reasonable investigation, unable to locate the necessary documents to investigate my dispute ( s ) ; then are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account ASAP.
07/08/2018	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 Investigation took more than 30 days	TX 76112	Web
I sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
10/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AZ 85024	Web
On or around XX/XX/XXXX, I visited a Store named XXXX XXXX XXXX. My intentions were to purchase this with cash for a Set of Theatre Chairs. 2 Weeks after purchase the Product stopped working due to an electrical Problem. After Several Phone calls and Emails back and forth with Manufacture and Store, Conns sent a repair technician to service product. It took 2 more months before the company deemed the product not repairable. No replacement parts were installed and no service completed on defective product. After several months and me making a call in XX/XX/XXXX, they finally deemed the chair to be exchanged however they wanted to charge me {$100.00} to deliver it. I told them No that Id rather have a refund. I also informed them in XXXX of XXXX that I was no longer going to make payments on the product if they did not repair the chair or exchange it. It its now XXXX XXXX and I continue to call them for refund, however they say they still ca n't do that because its against their policy. They still wanted to charge me XXXX. I told them they have falsely reported my credit as negative as they sold me a product that stopped working and failed to make it right. Id like to file a complaint for falsely reporting my credit and have this removed from my credit.
10/05/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23666	Web	Servicemember
CONN 'S HOME PLUS CONSUMER ACCOUNT ( FURNITURE ) OPEN ACCOUNT AT STORE : XX/XX/2020 FIRST PAYMENT : XX/XX/2020 XXXX {$400.00} ) FIRST PAYMENT POSTED : XX/XX/2020 XXXX {$400.00} ) SECOND PAYMENT : XX/XX/2020 XXXX {$220.00} ) SECOND PAYMENT POSTED : XX/XX/2020 THIRD PAYMENT/POSTED : XX/XX/2020 XXXX {$220.00} ) FOURTH PAYMENT : ( for XXXX XXXX XX/XX/2020 XXXX {$370.00} ) not posted (? ) by Conns FIFTH PAYMENT : ( for XXXX ) XX/XX/2020 XXXX {$140.00} not posted (? ) by Conns -No billing statements or bill summaries to date from Conn 's since account creation -No credit card issued to represent my active account -No billing activity, payment activity, account number available online via account login -Contact made with Conn 's via ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and received no assistance ; transferred repeatedly to different departments that claimed not the be able to offer me assistance -I made contact with a local store manager " XXXX '' XXXX VA at ( XXXX ) XXXX -Online bill pay via my online account is not capturing my payments properly -Given several different addresses for corporate office, CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX
05/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28208	Web	Servicemember
When I initially went in for the loan on the products I was told that I was in a non interest-bearing loan and I purchased 3 items from Conn Corporation. And they did not have one of the products in stock that I ordered so I had to come back and get the product and once I came back to get the product they said they had to redo the contract and by doing so they said that it added an interest to the loan which I initially signed for a non interest-bearing loan so my products went from XXXX to XXXX because of Interest I've tried talking with many representatives of the company but they all give me the same thing and I also noticed initially it was a lot of young people working there and they were trying to get the credit for selling the loan so it was a lot of crooked work going on but by this time it was too late for me to do anything. I tried to give products back but they refused to take back and they are constantly reporting every month late payments to my credit. I feel as though I've been railroaded into a loan and there is no resolution through the company other than to pay the loan. And I refuse to pay the loan and the recourse for that is that a report on my credit every month late payment or just put in my credit score on a derogative state
01/10/2023	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	TX 78717	Web
In my previous complaint, I stated that XXXX did not reinvestigate my dispute for Conn Appliance Inc account number XXXX. I dispute the XXXX year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. XXXX does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use XXXX anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.
05/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77354	Web
In XX/XX/XXXX of this year, I applied online for Conn 's account which was approved. I purchase washer and dryer. I paid cash for a mattress because by the time I went to store, I had to reapply. My credit limit was lower I paid for mattress. I selected washer and dryer from clearance center. I never receive any disclosure about interest. I was told it would be approximated $ XXXX/mo and I would be email receipt. I never receive the receipt but made multiple calls to complain washer did not work and mention I never go the receipt. About 3 weeks later, I made a trip to store and complained about not getting receipt. I was given I stack of papers in which I decided to read when I got home. To my dismay the interest rate was 29 %. and there was some sort of processing fee which was never disclosed. I have disputed this with Conns customer service because for one, my washer is still not working properly and I requested them to pick up the product because financing details were never disclosed. They stated the product would be auctioned and I would be responsible for balance. So here I am seeking justice from company ripping off consumers. To date I have refused to pay any additional money until this is resolve with reasonable interest rate
01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75070	Web
Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.
12/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76087	Web	Servicemember
I opened an account with Conn 's in XXXX of last year. Initially the associate made a mistake on my order & once this was noticed, rather than correcting the account, a new account was opened and the balance was supposed to be transferred to the new account. At the time I did not even know about the existence of the first account. I was made aware when Conn 's collection department called me, requesting payment for this erroneous account. I have spent countless hours on the phone with the various departments within Conn 's and have been assured repeatedly that this would not effect my credit and the first account would be closed out. Well over six months later I have had no resolution & both accounts are reporting on my credit, with the erroneous account, reporting negatively. I receive almost daily collection calls from Conn 's which ultimately end with the associate reading the notes & apologizing, again, assuring me the matter will be taken care of soon. My " real '' account is in good standing & I am a very frustrated & unhappy customer. I would like to reiterate that at no time was I made aware that a second account was opened in my name, nor was I aware that the first account was balance transferred to the second account.
06/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 705XX	Web
I purchased a new bed fro m Conn 's XXXX , LA store in XXXX of 2017 . At the time of the purchase, I was shown a balance owed of XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.
05/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80207	Web	Older American
On XX/XX/XXXX, I purchased a dishwasher and a printer from Conns XXXX XXXX. A property insurance policy and a repair warranty service were included on the contract with the understanding that if both of these services were cancelled within 30 days of purchase, that I would not be charged for them. After canceling the property insurance policy within the 30 day time frame, I received a letter from Conns dated XX/XX/XXXX that stated that my monthly payment amount had changed to a lower amount due to the cancellation of the property insurance. On XX/XX/XXXX I received a 2nd letter that acknowledged my cancellation of the appliance repair service ( this service had already been canceled within 30 days of purchase ). This second letter also stated that my monthly payment amount had changed to a lower amount. However, I am still being charged for these canceled services and I have also been notified that my account now has a past due amount and that the payment amounts that were listed in the letters that Conns XXXX XXXX sent to me and which I relied upon to make my monthly payments were not enough. Conns XXXX refuses to correct their billing error and is insisting that I continue paying for a service that I had canceled.
03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 775XX	Web
A loan from Conns showed up on my credit report around XX/XX/XXXX. It shows the account was open in XX/XX/XXXX. The amount owed is {$1800.00} and the account went 30 days late on XX/XX/XXXX. The account does not belong to me. The first time that I called Conns they kept telling me that I do not have an account with them. I insisted that its showing on my credit report and causing my score to go way down. The next time that I called Conns, I finally got ahold of someone that would listen and dug a little deeper. He did find an account that was somehow linked to me by some accident. He gave me account number XXXX and then transferred me to the fraud department. I spoke to the lady in the fraud department and she admitted that it wasnt actually fraud, that Conns was just reporting it wrong. She assured me that they would look into it and gave me a ticket number XXXX. That was in the beginning of XX/XX/XXXX and as of today, I have yet to hear back from them or be able to get in touch with them. I need this item removed from my credit report immediately due to Im trying to buy a house. This isnt the first time that Conns has linked someone elses account to my credit report. It did happen years ago and they resolved the issue.
03/19/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77388	Web
This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.
03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 38654	Web
I settle a debt with Conn Credit Corp in XX/XX/XXXX and the agent advised me in 30 days the account will be closed out showing " Paid in full. '' I submitted a dispute with XXXX to have the account removed from my credit report because they didn't keep their word. XXXX ( confirmation # XXXX ) reinvestigation results are : " This item has been updated to report as paid in full '' but they was waiting on and electronic confirmation paper from Conn Credit Corp to update the credit report. As to this day XX/XX/XXXX Conn still haven't sent over the electronic confirmation nor have they closed out the account. I have been calling every since XX/XX/XXXX asking for an email to be sent to me stating that the account have been paid in full and I can send it to all three credit agencies but I have yet to receive that email. This company is horrible and they lie and give false information to get what they want. That is the very reason why this account went to collection in the first place -- I was paying 2 months in advance and they call and told me I was behind and when I ask how when I had been paying 2 months in advance they told me they was applying the extra funds toward the interest ; never once did they inform me of that.
06/26/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92123	Web
Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75248	Web
In XXXX of XXXX, I noticed a collection on my credit report from CONNS Appliances. I immediately contacted CONNS for validation of this account. In the past, I had an account open with CONNS but it was paid off successfully, so I thought maybe the account information was somehow transposed, only to find out that a completely different account existed under my name. After I did not receive a response letter back from CONNS validating account # XXXX, I then submitted a dispute letter to all credit bureaus in which this account was reporting and I asked for validation. After 6 months, still no response. I became stressed because I could not get information on an account that was fraudulently reporting on my credit report. A year later in XX/XX/XXXX, I submitted another dispute only for the credit bureaus to state that the account was " Verified ''. I submitted another validation letter and still no response from the credit bureaus. It is now XXXX and I am still having issues with the credit bureaus not providing validation that the account belongs to me and not removing this erroneous information from my credit report. My next step will be consulting with an attorney and sue the bureaus and CONNS Appliance.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77049	Web	Servicemember
The account I had with Conn was opened XX/XX/XXXX and was charged off as bad debt and profit loss write -off XX/XX/XXXX ( XX/XX/XXXX ) - I received notice of a pending lawsuit. I check my credit file to see who is the alleged creditor and I disputed it on all of my credit reports, because of the inaccurate information. From XX/XX/XXXX Conn Appliances, INC and Conn Credit Corp have file 2 separate remarks onto my credit report. Im seeing discrepancies, in account status. On my XXXX credit file the accounts states open. On my XXXX credit file the accounts states closed. I also noticed that this creditor used 2 different names, address, and number. On my XXXX credit file, a late payment was posted XX/XX/XXXX by ( Conn Appliances , Inc . ) On my XXXX credit file a remark code was reported XX/XX/XXXX by ( Conn Credit Corp ) Under the Fair Credit Report Act I dont know how this incorrect information can be recycled and added onto credit file 1. No scheduled due dates for payments or amount noted or communicated in written form or verbal form. 2. The variation from each credit report agency is inaccurate Account opened on 1 and closed on the others. Late payment reported on 1 and not the others, Etc
12/01/2015	Yes	Credit card	Other	TX 75068	Web
for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
06/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77578	Web
Conns are very aggressive when they call. My husband have an account and I has an account. We were told they would merge our accounts. They would call ask to speak to husband and he would pay thinking we were paying. We went through financial difficulties due to sick dad. The agent were sharks and would lie to you and purposely set up payments after due date. They would set you up for payments tell you that you will be current and then hit your credit with a negative remark. They charged off my account when we were told they merged our accounts. Now my husband was current and next thing you know they hit his credit for 25 its with negative remarks as they continue to take payments out. I spoke to different agents and they all say the other person didnt do something right but no one corrects the issue. They take money out and then hit your credit. They make you promises and purposely give you wrong due dates and then charge you late fees and put 30/90/120 derogatory marks on your credit. I was just current and now they took out a new payment but reported me late and they help me setup payments. Agent said I apologize she set your payments after your due date. Just games and they hang up on you.
12/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AZ 856XX	Web
On XX/XX/2022 I applied for a loan with Conns home direct for an XXXX laptop. After repeatedly trying to contact them on movement of the product, I finally canceled the purchase over email with their team, which I got confirmation the cancelation was made. On XX/XX/XXXX, I found the purchase on my credit report. After calling multiple times, I found the computer was purchased in XXXX ( a new and separate purchase ) and delivered on XX/XX/XXXX. During that time, I never received emails to confirm the purchase, sending the tracking information, or any of the other emails that were sent with my previous purchase. Also, there was not any logs on my nest doorbell of any delivery for that day that may have been stolen. I requested the company remove this information from my credit report over the phone AND through a credit dispute. They in turn updated the dispute to show a payment was made, which I did not do. And have not made any attempt to cal back. On my calls with them, I confirmed all my information was correct so how I never received or show any of this from my emails, payment account, or delivery address screams that there is something more going on other than someone stealing my identity.
02/13/2019	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	TX 75039	Web
This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
10/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76106	Web
Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today
01/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70816	Web	Servicemember
I purchased warranty for a TV with Conn 's, I had the TV replaced but, was not notified that I needed to purchase a new warranty for the replacement TV. I was not notified until I tried to use the warranty for a 2nd time that my replacement TV was not covered. I received all sorts of different, conflicting information from the Conn 's representatives. Additionally, I found out that although I had supplied Conn 's with a copy of my renter 's insurance policy, they had not adjusted my account. I supplied Conn 's with proof of the confirmation sheet that their rep had provided to me and they still refuse to adjust my account. Finally, I spoke with a Conn 's rep on XXXX/XXXX/15 and authorized them to draft a payment from my checking account on XXXX/XXXX/15. Instead of drafting the payment on the correct date, they drafted the funds on XXXX/XXXX/15 and have failed to compensate me for their error. Conn 's has a pattern of dealing deceptively with me by failing to give me pertient information, refusing to adjust my account when I 've provided them with proof that they said they would, and by making unauthorized drafts from my checking account and refusing to compensate me.
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77043	Web
On or about XX/XX/2018 I sent the attached letter ( Conn 's 623 letter ) to Conn 's detailing inaccuracies they are reporting to XXXX, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but Conn 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case Conn 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
08/08/2022	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	TX 77070	Web	Servicemember
I bought a furniture from Conns Appliance INC on Credit worth nearly {$12000.00}, on XX/XX/XXXX, of which I have faithfully paid the amount due as agreed up to {$5200.00}. However, the product develop a significant defect, with the leather chairs peeling off in less than a year and half into the contract, and electronics gadget not working properly. I reported the issue to the company, and a repair guys was sent but their was nothing they could do. I stopped payment for this reason after several complaint and nothing was done to help resolve the issue. In XXXX, XXXX, after a prolong lawsuit by the same company, they decided to dismissed the case at the court after I hired a lawyer. Unfortunately, I just noticed they had it fraudulently reported on my credit report, when I started my mortgage application process. I have wrote them to correct this, but nothing has been done to it. This has hurt me in buying a house because they have continually maliciously and fraudulently reported this since XXXX, XXXX, till present. The company has two addresses : Conns Appliances IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
03/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX XXXXX	Web	Servicemember
Dear CONN APPLIANCES , INC . Your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused serve damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and house purpose. Per : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 remove account XXXX from all reporting agency immediately or will consider taking legal action against you. LAST REPORTED DATE, DATE OF LAST ACTIVE AND DATE OF LAST PAYMENT are all inaccurate. I have enclosed a copy of all inaccurate information Exhibits A and a copy of my driver licenses and utility bill as proof of identity. I tried to send you information regarding this matter in my mail was return the address you guys are reporting on my consumer report is also wrong
01/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29715	Web	Servicemember
I received a letter from Conn 's regarding a 2+2 program in which they offered me to pay one payment and Conn 's would match the rest. I called in on XX/XX/19 and was offered three different payment options to get my account back on track. The one I choice was to pay {$480.00} and the balance of {$380.00} would be cleared up by Conn 's and my account would be paid in full. So I paid the payment via my wife 's bank account and was told that the account would reflect within a few days as paid in full. When it did not reflect we called back and spoke to XXXX ID # XXXX in XXXX XXXX TX and was told that the offline department would have to go back in the back ends and update the information and I would see the update in 48 hours. I have called back once more and was still being told the same thing. I disputed it with the credit bureaus and they are reporting that I owe even more than what was initially told to me. I have been receiving harassing emails from their legal team regarding the account even after I paid what I was advised to pay. They have not held up to the end of their deal and I am exhausted with trying to get them to honor the agreement of paid in full.
05/15/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39120	Web
I have an account with XXXX 's. I was fired from my job last XXXX and things has n't been easy. I started receiving unemployment. Earlier this year I started failing to make my payments on the due date butwould set up an automatic pre dated withdrawl when the unemployment cleared. I 've received numerous calls in one d ay the most I 've counted was 12 t he earliest time I was called was at XXXX XXXX XXXX I have my phone records. The calls are harassing on sat morning I received a call from a representative who was rude and used abusive language. Her name was XXXX . After I explained XXXX her about the unemployment she said do n't you have a spouse borrow the money from him or somebody. How are you paying your bills? Do you have money now? How much? I do n't expect sympathy for life occurences and could easily let it go XXXX collections and on my credit report ; however, I tried to work with them n hopes that they would work with my payments being late vs no payment at all. I refuse to be disrespected and harassed. I received 15 ca lls yesterday. To constantly call someone phone every hour is insane. That will not make you get money any quicker.
03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79912	Web
I purchased furniture from Conns in XXXX and let them know I needed my payment to come out on the XXXX. The salesman informed that had been arranged and my first payment would be due in XXXX. This is not what happened. They call me several times per day and I have informed them my payment is supposed to be on the XXXX and to note the account I will be making it then. This payment is not even 30 days past due as they claim it was due XXXX. On Sat they called me 11 times and this was after I told them what they were doing was illegal and I was going to report them. Then on Sunday ( when they are n't supposed to call at all, they called 5 times. Allready this morning XXXX they have called 3 times, and one call was 15 min apart. from the next. This company is harrassing me after I already informed them of the mistake and gave them the date I was going to make my payment. Again, this payment is not even 30 days late if we go by their date. And technically not even due yet if you go by the date that was promised the payment would be due. Please help, I have asked nicely several times that they fix this, and then told them if it did n't stop they would be reported.
12/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80011	Web
On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.
08/31/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 758XX	Web
I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75080	Web
My name is XXXX XXXX XXXX. My identity was compromised and used to open a credit account at Conn 's Home Plus through Conn 's Credit Corporation ( collectively, " Conn 's '' ). When I received notification that there was a past due account under my name in excess {$9000.00}, I immediately contacted Conn 's to notify them that this was identity theft and I disputed the charges. I also filed a FTC identity theft report. Conn 's initially responded with a letter from XXXX XXXX, Fraud Investigator for Conn 's Credit Corporation, requesting a sworn affidavit along with other supporting documentation, which I provided. Ever since then I have not been able to establish any communication with Ms. XXXX or anyone at Conn 's to confirm that they have taken any action to close the fraudulent account or remove adverse information reported to the credit bureaus. I have tried all means of communication including phone calls, e-mails, and finally a letter to Conn 's dated XX/XX/2020. To date my messages and communications have been ignored and I am unable to resolve this problem, or even establish communication with anyone at Conn 's who can address my problem.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76063	Web	Older American
In XXXX of this year I applied for credit with Conn 's a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being XXXX in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX.
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80918	Web	Servicemember
XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27616	Web
I have been trying to work with XXXX XXXX for over ( 3 ). I have spoken to several XXXX XXXX, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.
12/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28214	Web
Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account
10/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 751XX	Web	Servicemember
I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. This is all after speaking with a Conns rep back XXXX 2015. I explained to him that XX/XX/XXXX payment would be a few weeks late. The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. This is only causing additional stress. Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. I can not help what 's happening this current month. My health takes precedent ... Hopefully they can understand this and back off with the calls.
01/08/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NV 89166	Web	Older American
Conns Home Furniture refused to allow a differed arrangement due to Corvid 19 pandemic and insisted that I have to catch up with payment even though I tried to explain to the company on different occasions of my financial struggle due to the Corvid 19. The company representatives that I spoke to on different occasions agreed that I could pay partial payments if I could not pay the whole monthly amount. I had been doing just that as a sign of good faith. But after making such payment, their collection dept keeps calling for more money. They reported to all the credit bureaus that I am 60 days late even though I was making partial payment during the Corvid 19 pandemic that is still raging across the country. As a result of their actions reporting a Negative information to the bureaus, my credit suffers and and I want they to remove the negative remark. I was making partial payment as required by law. The company representative stated to me that the company has nothing to do with the report and that it was the bureaus that reported such. I explained to her that the bureaus do no generate any negative report unless Conns gave it to them.
03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75218	Web
I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. I paid the account current on the agreed upon date. According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.
12/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 802XX	Web
I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.
11/05/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NM 87123	Web
As an Employee Promised ( XXXX XXXX % ) Commission on product, warranty, other insurance to protect both the consumer and the consumer ( s ) ( I.e ) unemployment, XXXX, other. Did not receive full pay to hours worked correction is required. One attempt was made to correct but is still short of hours- commission or received as promised as other employees were directed to Steal sales even though I my self approved the account for XXXX XXXX purchase XXXX deliberately given to another sales-man as I went to hour in which The manager demanded I do, seven ( 7 ) accounts were directly given to other employees with addendums to make the adjustment for the sale to justify as the other sales-man. Attempted Just because I was waged at {$15.00} per hour and the other sales-men waged at {$10.00} still below the base wage per the state of XXXX. Sales commission are not being distributed as per employee to employer contract in which was in fact signed and accepted. Commission pay should include a percentage on products, unemployed, XXXX, short term and life term with or with a peer of attorney from another party pertaining to the account.
03/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84081	Web
Conns is reporting account # XXXX for {$2300.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Conns to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Conns and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided a Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address, indicating that the account is not my account. Conns advised that they've determined that I'm liable for the account and related charges on baseless facts. The suspect used a Texas address when they opened the account which caused this incorrect address to reflect on my credit report. The disputed address is also part of the FTC Affidavit report and police report. Conns investigation results are inaccurate and incomplete.
01/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 294XX	Web
Purchased a Mattress Set on XX/XX/2020. The product in the store was a memory foam brand. I agreed to pick the product up instead of paying the delivery charge. Took it home, set it up and realized it was not the same product as the one I tested on the showroom floor. It felt like I was sleeping on a slate. It kept me up all night. I was in pain and discomfort. I suffer from XXXX XXXX and XXXX. I told the salesperson this when I selected the product. I was assured it would suit my needs. Product was picked up XX/XX/2020. I called the store at XXXX XX/XX/2020. The salesperson said I would have to speak to the Manager. I spoke with XXXX at Conn 's Home Furniture in XXXX XXXX SC. She said there is a no return policy because of health reasons. She also said I would have to sleep on it a while to break it in. I told her that was unacceptable. She referred me to their Customer Service. I spoke with XXXX. She also gave me the same conversation. The Mattress set is {$1300.00} plus Finance charges. I put down {$69.00} on the Lease to Purchase Program. I have medical issues and I refuse to subject my body to such conditions.
09/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 236XX	Web
I have a contract with Conns Furniture which I was past due because my finances didnt permit me to pay. I called called them yesterday, XX/XX/2023 because I saw online an option to make 2 payments of half my regular monthly payment of {$97.00} to bring my account current. I was told I could do that, but a manager gets in the phone and says if I can pay {$290.00}, they would match the payment and not only would my account be made current, but my next payment wouldnt be due until XX/XX/2023. I borrowed money to take that optio. I was not sent a receipt or copy of agreement as promised. I checked my account today and saw Im still past due. I called back and was told I am still past due. It wouldnt make sense for me to pay almost {$300.00} vs paying {$97.00} to become current. They flat out lied. I asked they contact the manager and representative who made the deal since everything is noted and they said no. I asked to pull the recorded call and they said no.This company committed fraud to get me to pay more than necessary to bring my account current and never honored their end. I need help resolving this matter ASAP.
01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NV 89148	Web
I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by XXXX to XXXX points. Instead, of it increasing by XXXX, XXXX points or more. Yes I called XXXX after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?
05/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web	Servicemember
In XXXX, 2022, We ordered furniture and it was sent to us. this is a online company. Conn Furniture who really did Conn us. they sent a broken living room set and charge us XXXX we request for someone to come from there company to look at it. he reported it in need of repair and to be replace. They refuse to take this broken living room set that we set picture and reported it several times and gave us bad credit on this. So I'm not paying for a use broken couch so they call my number everyday on the hour on sat and Sunday and late at night. to get me to pay. customer service will not talk to me. just send a robo call to consistently harass us with calls. I ask them to come and pick this couch up and they said they don't take returns, but someone did return it because its so horrible that you cant sit on it.they came out 2 times and reported that I need a new couch and they refuse to fix it just call and call for payment. its not fair. I did not ask for a use sofa. and We call them to return it back in 2 weeks after it was delivered and they also have a extra warranty on the account. this people act like the XXXX.
09/16/2016	Yes	Credit card	Unsolicited issuance of credit card	TX 77469	Web
I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.
12/14/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89148	Web
Hello I have asked this company to stop calling me at my job. Also they call me at least XXXX or more times a day over the past few months. When I answer the phone I explain to them that they are jXX/XX/XXXX by calling me and texting me so many times a day. I haveXX/XX/XXXX So my finances are not the best. I explained to them about myXX/XX/XXXX as well They call me from several different numbers and all of the numbers are on my phone records showing numerous calls from each number. I feel that I am being harassed by this company and they are XX/XX/XXXXto me over the phone. they also text me multiple times a day as well. I explained to them that i am working with a debt relief company and gave them the number to all instead of calling me and they are still harassing me about this account, I am very stressed out behind this company ad their excessive calls to me. They are calling me at least XXXX to XXXX time in the morning and afternoon and evening as well. Here are some of the calls i got from them recently .Also I have more calls on my phone records dating back a couple of monthsXX/XX/XXXX XXXXXX/XX/XXXX
04/27/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN XXXXX	Web	Older American, Servicemember
I have had numerous accounts with Conn 's in XX/XX/2017 I received a phone call to make a payment over the phone, at that time I had 2 accounts with 2 different due dates, the representative told me that she could merge the accounts and they have 1 due date and I agreed to that a due date of the XXXX of each month. For months I have been paying {$130.00} and they have posted to my account. I had no clue that the accounts were not merged until I received a notification that they were reporting me 30 days late on my credit reports. I called and went around in circles with not so articulate customer service representatives. I also take issue with the fact that they added on insurance to my items though I told them I have homeowners insurance yet is was forced upon me anyway. These people are forcing consumers to purchase their insurance and I do not believe that is legal. By the way for some reason the online option is an issue and they tell you in the store that it does not work, NOTICE that all of my payments are made in the store except 1 and that one payment that this transaction was suppose to take place.
04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89031	Web	Servicemember
In 2022 I set up reoccurring payments online for the sum of {$270.00} which should have paid my XXXX XXXX interest loan 2 month before deadline, the reason for my action was due to change in work schedule. In XXXX of 2022 I checked to make sure that my account had been paid off so I could allocate those funds to other debts but I found out that they had only been deducting {$190.00} instead of the amount I set up so they set me up to fail and tacked on an additional {$4000.00} in interest. I've called CONNS and spoke with there representatives regarding this issues and set up thru there representatives the amount requested online and each month they continue to only take {$190.00} I've even gone into the store and they never seem to have any Manger or supervisory phones contact to resolve there deceptive business practices. The last representatives I spoke with advised me they would set up the payments at {$350.00} and they would remove the interest charges only to once again have them only withdraw {$190.00} THIS IS XXXX and if they done it to me I guarantee they have done this to thousands of customers.
04/28/2022	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 Investigation took more than 30 days	TX 77079	Web	Servicemember
I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. Creditors : 1- Conn 's / Acct # XXXX 2- XXXX / Acct # XXXX 3- XXXX / Acct # XXXX 4- XXXX / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76013	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
08/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78217	Web	Servicemember
On XX/XX/XXXX, I received mail from Conn 's XXXX XXXX saying that I had taken out roughly a XXXX line of credit. I called to inform them of the identity fraud and was redirected to the company fraud line. On XX/XX/XXXX I submitted an affidavit ( un-notarized due to COVID-19 lockdown restrictions ) with the listed fraudulent charges, the associated account number, and a case number with badge number for a police report I filed in association with the theft. In the police report I testified under penalty of perjury that I had been the victim of identity theft for several lines of credit totaling roughly XXXX. I very shortly afterward received confirmation that my email had been received and that the account was under review. Today I received a phone call from a collection agency attempting to collect the fraudulent debt. When I told them that I had reported the account as fraudulent they informed me that they would continue to call indefinitely as long as their operations told them to. Conn 's has shown negligence in adjudicating this fraud dispute and an apathy to resolving this issue in a timely manner.
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76053	Web
Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 782XX	Web
Went to cons originally on XX/XX/2023 to inquire about financing furniture at that time a fraudulent act was committed and an inquiry was put on my record that was not removed after speaking with corporate I was contacted and told they would like to resolve the issue as well as give me a discount if I wanted to continue buisness with them so on XX/XX/23 I went in made a purchase the total of the purchase was suppose to be {$2000.00} after discount the contract I received said {$2500.00} I called them immediately as the contract was received via email at this point all I received was an email saying they would credit my account {$100.00} that was XX/XX/XXXX the following day because I was done arguing my case I excepted and moved on which should have brought the loan to {$2.00} XXXX It still does not state that amount and the amount owed isn't correct either and on my credit. The amount from the ledger the online app and on my credit are all different I've made payments XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXXin the amount of XXXX totalling {$430.00}. XXXX and the account is saying my payoff amount is XXXX
12/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75062	Web	Servicemember
I have contacted this company several times regarding automatic payments. I have been told that I am only able to make reoccurring payments via setting this option up online via an account login. I have attempted in XXXX, and also today XXXX to complete this process with no avail. I get the run around when contacting this party or setting up a post dated payment. The system is not user friendly and blocks you out if you are pass due. This is trickery at its finest ; Then I have to hear a lecture when I am late on top of being contacted at my job. If you call them from a phone number they in tune save it and will call you the next month a day after your payment is due. Just because I contact you from a number does not give you the right to in turn contact me on it. Telling me I am late every month but not allowing me access to complete my payment on line is wrong and is effecting my credit when I forget to make a payment. I should be able to complete auto draft by a paper form or complete the set up in the store. I should not have late payments on my credit when I am trying to pay every-month on time.
06/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AR 725XX	Web
XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns HomePlus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX XXXX XXXX XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023 Conns Home Plus called : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX No action has been taken by the company as I have asked to not be called multiple times. I am now receiving calls from personal cell phones ; however, I can not factually identify at this time if the individuals calling me are directly correlated to the business in regards to debt collection. I can say that I receive phone calls within moments of declining ConnsHome Plus phone calls while working. I can say that the individuals that do call simply wait for my answer and hang up. I do have to answer personal cell phone numbers as I am working within the community. This is an abuse of power and I have kindly asked to not be contacted while working.
02/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77642	Web
This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30132	Web
I the Creditor Conn Appliances Inc with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and XXXX they had reported account # XXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the Creditor Conns to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised Conn Appliances that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to Credit Reporting Agencies verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and XXXX and disputed the accuracy of this charged off account and requested it be deleted.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75154	Web
I was under a contract with Conn 's - Account # XXXX and made my last payment of {$55.00} on XX/XX/2019. My payment wasn't due until XX/XX/2019 but I paid it off early. On the payment page where I selected to pay the current balance of {$55.00} the website said " Great! your selected option indicicateds you are choosing to pay off your account. '' my account was at a {$0.00} and it said I had a balance of {$2.00} with a late payment due of {$40.00}! I called Conns they said they would have someone to close the account out. It usually takes 72 hours. The 72 hours passed and I called back on XX/XX/19 and nothing had been done to the account. Conns said they would have to create another ticket and it should take 72 hours to complete. The account had not been closed and the current pbalance has gone up to {$11.00} plus a {$48.00} late fee which makes no sense. I have paid Conns 's on time and never been late on a payment for three years. Can someone please help me get this resolved? I don't want it to hit my credit when the final payment of {$55.00} was made a week before the scheduled due date.
11/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77040	Web
I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.
10/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
These XXXX Accounts have violated my rights According to the FCRA. 1. Conns Appliances Inc # XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. 1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY. 3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]
08/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.
07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19438	Web
I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web
When I first noticed this account CONNS CREDIT CORP I disputed it. It came back verified so I disputed it again asking for a verification of debt explaining to them it wasn't my account I know no such company. I never got anything back but another verification of debt. What are they verifying because it isn't my debt. It has impacted my credit tremendously. I have been denied numerous times for this account alone. Not only is it not my account and they are aware of this issue. But they have also violated my FCRA Rights by not reporting accurate information on my credit report. I have contacted them several times with no response back. Meanwhile they continue to report late payments each and every month on an account that is already charged off. The payments are late by default there should never be any late payments added to a collection account. I have since filed a report with the FTC for identity theft against this company and for violating my rights to the fair credit act for not reporting accurate information. This was my next step to trying to be heard about this issue.
09/18/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MS 39532	Web	Servicemember
I purchased a 78inch Samsung TV from XXXX XXXX XXXX, account # XXXX. I paid this account off in full in the amount of {$5500.00}, which is approximately {$1300.00} more than I owe. This account was paid by check from refinance of my home by check # XXXX and cashed by Conn 's on XXXX XXXX, XXXX. To date, Conn 's is still not credited my account with this money and is currently pursuing collections and making negative marks on my Credit Bureau!! I have called Conn 's on a dozen occasions and they continually call me, text me, mail me collection notices telling me I owe months in arrearages with my account! They tell me it could take 3 billing cycles for this to correct and nothing they can do. The mean time, my credit suffers, I 'm harassed and missing {$1300.00} they owe me! I have reported them to the Better Business bureau, Federal Trade Commission, and now your agency. Please help me. I also bought a Refrigerator in XXXX of XXXX and they are reporting my credit that I was late to pay when I had n't even purchased the Refrigerator at that time. Respectfully, XXXX XXXX XXXX
04/03/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85746	Web
The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.
05/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web
XXXX XXXXXXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
Hello : My name is XXXX ( XXXX ) XXXX and I wanted to submit a complaint about Conns, Inc. I have spoken with multiple representatives at the company and no one can give me a straight answer as to why I have XXXX late 30 days marks on my credit report. Additionally, when I called Conns on XX/XX/XXXX to submit a complaint to a manager ( XXXX ) assured me that I only had XXXX 30-day mark on my credit report. XXXX & XX/XX/XXXX, I was informed by a Conn 's representative that I was not supposed to make a payment until XX/XX/XXXX because I was on a payment plan. The credit bureaus informed me that I have XXXX over 30-day marks on my credit ( Transunion on XX/XX/XXXX & XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) when I am on a payment plan. These marks violate my rights as a good paying customer and show that Conns , Inc has a miscommunication problem that I am paying out of my wallet. I would like the CFPB involved because Conns may not correct/refuse to correct the issue due to there lack of communication within there organization. Thank You, XXXX ( XXXX ) XXXX
08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 852XX	Web
I have contacted Conns at least 20 times about this issue. 1. XX/XX/XXXX Conns reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on XXXX dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 2. After several emails and phone calls Conns responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from Conns agent. ) 3. Conns is basicaly suggesting the XXXX is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( XXXX report of Conns account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is Conns or XXXX. I Need this corrected and removed immediately. 5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.
04/30/2018	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	TX 78380	Web
On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.
04/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79015	Web
My husband and I purchased a queen size bed from Conn 's Furniture store in XXXX, TX in XXXX. The bed was financed through XXXX XXXX. We tried repeatedly to have Conn 's take the furniture back but they would not accept the bed. We worked on a settlement agreement and we paid the settlement and kept the bed. I checked my credit report in XXXX and discovered XXXX XXXX reported the bed as a profit and loss in XXXX. I have tried contacting Conn 's Furniture store in XXXX, TX and they quit using XXXX XXXX as their financier in XXXX. I have contacted XXXX XXXX on multiple occasions in the past month to resolve this account, however they keep telling me that they only are showing an invoice on the bed we purchased but no other information is available. They are refusing to help me settle this account and I just want to get the dispute off of my credit report. I have disputed the charge on all three credit bureaus, however the dispute was investigated but it says I owe the money. I would like to get this settled, but XXXX XXXX can't find any information showing what I owe.
04/27/2023	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	TX 75126	Web
I have advise this company that I have never had an account with them. Their first investigation states that I was staying at an address were items were delivered and I have provided my signed lease to the address of the home that I was leasing at the time this fraudulent account was opened. I have never at the address that they provided. I have asked them to sent me any online application if it was done online and any store video if this was done in store. They stated that I made payments on this account with my bank account when in fact I didnt have a bank account. I have never in my life had a bank account. I advised them to send me any proof of a bank account with my name & they advised me that I had XXXX. I have never had XXXX. I contacted XXXX and they was not about to find an account with my name attached to it. Any bills that I pay, is always paid in cash or money order. I have asked them to send me receipt of payment showing paid in cash or by money order and they have failed to do so. I filed an appeal more than 45 days again and havent hear back from them.
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 78228	Web
I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.
06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 70726	Web
I receive repeated calls from Conns every one to two hours a day concerning my monthly payment. I only get paid on the XXXX and XXXX of the month, and have been carrying the load due to reduced income in my home. I have explained this to them numerous time, and yet they continue with rude and abusive questioning trying to get into my personal business. Stating that " my personal business is there business since I have their product ''. I gave them a definite day as to when I will pay them. Yet they have pushed me as far as having to get into further debt by applying for payday loans to stop their threats and harassment in the past, and I refuse to take out anymore loans. I understand that I have signed an agreement, and I intend to pay then XXXX XXXX for my XX/XX/XXXX payment, and will make my XX/XX/XXXX payment. My circumstances are strenuous, but I intend on making it work. I am currently a few days behind for my XX/XX/XXXX payment, and have stressed to them when I will pay. The harassment has gone too far. I have had it with them, and am filing this complaint.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 75104	Web
On XX/XX/2023, I was approved for financing with Conns. I purchased a television for {$600.00} and requested to pick-up the appliance in lieu of having it delivered. When I received the invoice and installment contract to sign via XXXX, a delivery fee of XXXX + tax was included on the contract. On XX/XX/2023, I called the customer service department to request a new contract and invoice with the delivery fee removed. The agent said it was system glitch. I was told they would not remove the delivery fee or send a new contract but would credit the delivery fee to my account. I explained just crediting the delivery fee to a persons account would not actually resolve the issue as your company adds this fee to the installment contract which means it will subject to interest. She further explained thats all they can do and would not issue a new contract. I cancelled my order. It is my belief that Conns does this as a practice to commit fraud against their customers by adding a delivery charge to all online orders. It seems to me as bait and switch at the very least.
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76016	Web
IN REGARDS TO : CONN CREDIT CORP ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? CONNS CREDIT CORP? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. I AND MY ATTORNEY AWAIT YOUR RESPONSE.
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75165	Web
I closed my Conns account in XX/XX/2020 and now Conns is reporting late payments to XXXX for XX/XX/2020 as 30 days late and XXXX late 90 days on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have called multiple times and sent Conns support thru XXXX the documentation since this started in XXXX. I have also disputed the late payments with XXXX and XXXX with no resolution. Conn 's is validating the debt and this is incorrect since I paid and closed the account in XXXX of 2020. I have never been late on this account. Also, filed a complaint with the XXXX and they commented I would be contacted but never was and when I checked Conns support thru XXXX the complaint was closed as resolved. XX/XX/2020 I called conns again and finally got to speak to a manger only to be told I have several tickets open on this compliant and I need to re-submit the reports from the XXXX and XXXX. So I would start the processes again it is now going on 4 months and my credit score has dropped, and a home loan has fell through because of this. It causing a lot of suffering because of this.
02/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77627	Web	Older American
I have talked to Conn 's several different times regarding our 3 accounts with them. I am in a Debt Program and these accounts could not be included. I worked with them to get the 3 accounts refinanced into 1 account to get payment lowered. We got that to what I thought was a final deal. I received the Promissory Note and Security Agreement signed and with a payment being dueXX/XX/2019. Now I called to make the payment and there was no such account set up but could see that it was being worked on. Well, its still being worked on. I now get 10 calls a day approx. and emails from the mitigation dept and since XXXX all of the accounts with Conns have gone on to hit my our credit and I might add, I had to put a down payment on all three accounts to do this and it was done. Now they are threating to charge off and I haven't even made 1 payment on this refinanced account. They tell me its going to be repaired and yet still waiting and still receiving marks on credit. Not sure what else to do. Please help me. Sorry it wouldn't allow the whole refinance document.
07/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 280XX	Web
I filed a claim with Conns Home Plus back in XX/XX/XXXX for my insurance to be kicked in due to me being unemployed. They stated if I made the payment of {$120.00} the insurance company would kick in and pay the rest. I did just that and I noticed in XX/XX/XXXX that my account was seriously delinquent. The insurance I purchased never kicked in to pick the payments. I had been battling this for over a year. They stated that they never received my documents but they received the payment. They agreed to settle the account at {$900.00} then went back on the agreement then wanted {$1300.00}. The insurance made 1 payment of {$120.00} on XX/XX/XXXX. However my account has shown delinquent since XX/XX/XXXX. Its still affecting my account and on XX/XX/XXXX almost 2 years from initially applying they illegally pulled my credit again without my consent to do so. They have told me numerous of times this account would be deleted off my credit report and cleared through their insurance. This has not happened and is ruining my life. I need help in getting this resolved.
11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77627	Web	Servicemember
I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!
04/20/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77025	Web
I have called Conn 's to tell them am temporary laid off due to the conoviris and let them know that I cant make the payment .and the rep I spoke to was very rude and used fowl foul language and what my credit card number and I told them I wont give that infomation because I didnt one time before and the they take money out of my account without my authorization makes me think that these people dont work for the company since they supposed say thier named and all they want to do was agree and fight with him and asking me personal question about my finances which is no of thier business and told me that the need money for thier family and called sob .this not right. This not the way to business plus I had a tv stolen and they refource to replace after we give them the police department. And won't lower our payment because we dont have the tv.not a way to do business. And get better customer service reps.and they I never agreed to make double payment and claim that we behind which are not. Am tried them not working with me and keep messing up my account.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85122	Web
I paid off a contract with Conn 's appliances in XX/XX/XXXX. Conn 's Appliances has reported late payment history on my credit file, when no late payment was made. Conn 's Appliances has reported that they did not receive a payment for 90 days for the months of XXXX, XXXX, and XX/XX/XXXX. I provided bank statements of payment to Conn 's Appliances for those months as proof of reporting error. Customer service representative for Conn 's Appliances verified the payments and provided a screen capture of the payment history to Conn 's Appliances which reflected no late payments. I disputed the error to the consumer credit bureaus and Conn 's Appliances, and have thus far been unable to have the inaccurate information corrected by Conn 's Appliances. Conn 's Appliances Verified incorrect credit file information after being provided documentation of inaccuracies on credit report file with customer service agent verifying no late payment should have been reported. Suit was filed against Conn 's Appliances on XX/XX/XXXX for violation of FCRA.
06/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 70737	Web
I initially opened an installment loan and got merchandise with this company in XXXX. I made payments on the account up until XX/XX/XXXX. I called in and spoke to a representative on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My balance is not going down even with all of the extra payments that I have been making. I was notified on XX/XX/XXXX that all of my payments were going to a closed account. So i asked " what closed account could they have been going to? '' because i've never had another account. The representative told me that she would escalate the issue and have someone to call me about the problem that they noticed. I never received a call back, so I called to find out if the problem was solved and was told that all of my payments were not reported because they took it upon themselves without my permission to do extensions every month after i made my payments online and without my permission. This company is a total scam, as of today one of my credit reports shows a balance of XXXX and the other XXXX after 4 years of payments. This is crazy.
07/02/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	CO 80904	Web	Older American
I am complaingin about goint to Conn 's furniture to buy a bed and bed frame. I requested a XXXX frame and they charged me for a XXXX. When the we asked to get a copy of the contract they refused. We asked 3 times. They said we had to go somewhere to get the copy of the contract. We spoke with XXXX the sales person and advised we did not want the the {$1000.00}. The driver put the bed together and I asked to see the copy of the contact. He said it was on his phone. I could not read the information due to the font was not big enough.. When asked the driver to inlarge the front he did not understand me due to he did not speak XXXX. I went ahead and signed the contact. We did not have any bed at all to sleep on. We are elderly and can not sleep on the floor and the Love Seat. We contacted the company and they declined to change the frames from the vibrate that is {$1000.00}. and give us the smaller frame for {$770.00} plus a tv of XXXX XXXX inch. and have XXXX extra on our credit. Conn '' s XXXX XXXX XXXX, XXXX, TX. XXXX XXXX # XXXX XXXX # XXXX XXXX
06/02/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AR 721XX	Web
From XX/XX/23 to today, XX/XX/23 they called me 17 times. They even called me after I paid my monthly payment, though it was late. I told them that this was harrassment when I finally answered their call. They informed me that they are allowed to call me that many times. They used 2 different numbers to call from XXXX and XXXX. The company 's name is Conns XXXX. I told them that I work from XXXX am to XXXX pm, but was informed that they can't guarantee that someone won't call me during those hours. I had told them on XX/XX/23 that I would make a payment online on XX/XX/23 once I received my paycheck. I am not normally allowed to deposit my paychecks until after XXXX pm on XXXX. They called me at XXXX am and then proceeded to call me 5 more times on XX/XX/23 alone, at XXXX am, XXXX am, XXXX pm, XXXX pm and XXXX pm. I posted my monthly payment before receiving their last call and was not 30 days late. Most of the calls took place while the owner of the company that I work for and my supervisor were present, which made for an embarrassing situation.
02/18/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77019	Web
In XX/XX/XXXX, I contacted Conn 's to confirm payoff date for XX/XX/XXXX. So on Friday, XX/XX/XXXX, I contacted Conn 's to confirm the latest payoff but told my account has an additional {$1000.00} to the existing {$1400.00}. I asked why and Conn 's rep. told me that payoff due XXXX and payment late for this month. I informed Conn 's repeatedly that its store salesman XXXX errored when setting my payments ( 2 ) to beginning of month. He deceived me by saying it had been taken care of. However, as early as yesterday and today XXXX XXXX XXXX and XXXX ) Conn 's " collections '' reps. have been contacting me. Here are my concerns : 1. XXXX, Texas has been under a freeze of a lifetime, shutting down electricity and water, leaving 1.4 million households without help. 2. No funding as the result of a week-long shutdown 3. Conn 's never provides support to disaster issues while saying it does. Not one Conn 's rep. has offered help but demands payments despite hardships. 4. Busted water pipes, spoiled food and dealing with warmth are my priorities now.
03/17/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80033	Web
I bought an appliance from Conn 's for the first four months I had to go into the store physically call constantly to try and get my balance paid they kept telling me they were going to send me a coupon book each month I kept asking for the ding coupon book to know avail it should not be my responsibility to have to drive to the store every month to make phone calls every month repeatedly requesting something that I was told at the time of purchase would be submitted to me when they send me my coupon book and take it this negative off my report I'll be more than glad to pay but until they finish me the necessary documentation I should not have to go out of my way every month to get this issue resolved I keep getting told you can pay off the balance you can pay off the balance I don't want pay off the balance I want my coupon book that I was told I would get so I can make monthly payments know exactly what day they're due they are very unprofessional and they really don't care but they sure do want to go out and hurt you and as far as credit goes
10/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85339	Web
On XX/XX/2019 I was told that my account ending in XXXX balance was XXXX so I paid it and it was reported to the credit bureau now 3onths later they are calling and harassing me about being 60 days late, now I haven't heard anything from them since XX/XX/XXXX when the account was paid, I also have another account ending XXXX and in XX/XX/2019 was told my balance XXXX so I paid XXXX left my balance of XXXX when I went to pay the balance they are now saying that my balance is XXXX. I have been getting the run around, I spoke with a supervisor name XXXX in the collection deprtment and she said that she an see that my was balance was XXXX in XX/XX/XXXX and I made a payment, did not undersatand why the amount change so was sending it to the review department to be review on XX/XX/2019 and still to this day haven't gotten a answering whenever I call to see what is going I get threated about being sent to the credit buren this company hs been giving me the run around for over two weeks. please can you help me resolve this. XXXX XXXX Conn 's home plus
06/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77047	Web	Servicemember
On XX/XX/2023, it has come to my attention that Conn 's ApplicanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ( Company ) has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
11/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76013	Web
I signed up for auto payment for conns to automatically draft my payment each month. The auto payment has not worked. I noticed in XXXX that my payment was not drafted. I made the payment and called into the support line next day. Rep assured me the account was fine, payment was made and no late payment would be reported to my credit. He also assured me that the auto payment was fixed. Today, I receive a late payment on my credit report. My payments are still not being drafted on either of my accounts and now I can not even login to the website. I try and go through the process of resetting password on my account and never receive an email with updated info. The process does not work! I have never received a statement from Conns. I have never received a payment book. Because Conns was placing back to back to back calls to my phone within minutes of each other, I asked them to limit the calls to my phone. They have stopped any and all communication since then. Please fix my credit report because of your errors in the payment process
07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I was offered a settlement agreement beginning in XXXX, XXXX through XX/XX/XXXX with six payments of {$170.00} ceasing in XX/XX/XXXX. MY understanding from the representative, XXXX ( credit specialist ) that the NEW agree would override the OLD account and would be REPORTED with the UPDATED settled amount which was paid out. XXXX has FAILED to report my payments as POSITIVE and settled. She/CONNS also continues to put NEGATIVE marks on my credit in which shows negative on my credit to OTHER* creditors. There should not be ANY and I mean ANY remarks on my credit after XX/XX/XXXX with my last payment to CONNS on that date XX/XX/XXXX. PLEASE have them to back date and remove ALL and EVERY NEGATIVE remark fromXX/XX/XXXX-XX/XX/XXXXXXXX XX/XX/XXXX, XXXX Documentation has been sent. I have disputed this but of course everybody plays games. This seems like a DISCRIMINATIVE issue and it NEEDS to be RESOLVED ASAP. XXXX @ CONNS # ( XXXX ) XXXX OR CONNS Direct # ( XXXX ) XXXX Thank you, XXXX XXXX XXXX XXXX ) XXXX Leave messages at both XXXX XXXX
05/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77449	Web
An account was opened under fraud-deceit, misleading terms. I went to Conn 's XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/20. I was asked to sign for credit check. I did not consent to a purchase and did not leave with any property. I was XXXX and did not know what I was signing. I am a XXXX and do not have a job, nor any credit in my name for the same reason. On XX/XX/20 I called the XXXX County Police Department when I received a bill for something I did not receive. They went to Conn 's and confirmed that my signature was on file. The police officer advised that they could not file a police report, but suggested I contact the FTC and Consumer Finance to fight this bill for property not received and to fight this item on my credit report. Please help! I now have a bill for {$5000.00} for nothing received. ( {$1800.00} XXXX, {$870.00} for repair service agreement, {$99.00} for Internet secure ) + tax plus interest of {$1700.00}. I will also put an alert on my credit to prevent unauthorized purchases in my name.
04/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80015	Web
I called and talked to a representative with XXXX XXXX XXXX and asked to settle my account, I offered {$500.00} and the lady said they could settle my account for {$570.00}. I paid the {$570.00} on the phone call and was reassured it would be settled and removed from my credit. I recently checked and the payment I paid only took off the balance and the account is still on my report ... not removed as agreed In my phone call on XX/XX/XXXX. Ive called numerous times and have been given the run around each time or even hung up on, on XXXX of the calls before I was transferred the lady acknowledged that she seen the notes that I settled the account out to be removed from my credit and the next representative I spoke with briefly, was put on hold then hung up on. At this time I need the phone call recording to be pulled ( which they should have being they are a debt collector ) to verify the conversation held on XX/XX/XXXX and I need this collection item removed from my credit as promised when I paid the agreed settlement amount.
10/01/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77099	Web
I have multiple complaints about this company. This company originally contacted my mother on XX/XX/XXXX. They said they were calling her about a Legal case filed against me. When I called back they answered the phone as law office. They refused to give me information on their location and hung up on me when I asked too many questions. They told me I was a deadbeat and didn't pay my bills They called me again today XX/XX/XXXX. They said they were calling for litigation filed against me in my local district attorneys office. They said they represented Conns, that they were lawyers and they were calling to get a statement before filing paperwork against me and sending it to me. This debt is almost 15 years old. It occurred back in XX/XX/XXXX. I have a current account with Conns and pay all of my bills. This company has harassed my family members, they pretend to be lawyers calling from a law office. The address they gave me to their business is to a postal service in California. They call multiple times per day. I need help
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web
I disputed CONNS CREDIT CORP account on my credit report and asked for a contract. XXXX and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX points and my on-time payment went from XXXX percent to XXXX percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.
06/12/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85142	Web
I have an account through Conn 's Home Plus. Over the past 8 months they have done the following. 1. Contacted me outside of federal regulated call hours ( ex XXXX XXXX sunday morning ) 2. There contact methods are loading a number on the dialer system once an hour every hour regardless of contact. 3. I have made payments and have been called back an hour later for solicitation of another payment 4. I have filed multiple complaints from there third party company all the way to the corporate office in XXXX XXXX with no resolve. 5. They offer extensions to be be brought current but require a payment that is more the the 30 day amount of interest 6. They have modified and extended my contract multiple times over the last year without my authorization The past two days of call history are XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6. XXXX XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
07/20/2019	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	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
12/12/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75081	Web
I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently
05/10/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85204	Web
I have a credit account with CONNS APPLIANCES. My payments are due every XXXX of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at XXXX and the calls occur through out the day. I have received up to 8 calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during XXXX - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77067	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. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 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 XXXX 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.
07/15/2022	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 Their investigation did not fix an error on your report	TN 38125	Web
I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONNS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA XXXXX	Web
I have disputed the following accounts multiple times with XXXX and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. Conns Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. Conns is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web
I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX - These have been paid but are not being reported as paid in the payment status line or noted in the comments by XXXX. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to XXXX multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80303	Web
I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.
03/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29650	Web	Servicemember
On XX/XX/XXXX, after waiting 31 plus days for the 3 credit bureaus to delete XXXX XXXX XXXX ... I mail them letters to delete the Conns tradeline on the grounds it was never marked Consumer disputes .... they were reporting very incorrect balances and status. So as of XX/XX/XXXX ... they added the statement of disputed. They are now reporting the account as Open .... but a charge-off account cant be OPEN..!!! They have fraudulently reported a Missed PAYMENT .... after the fact they reported the account Closed on XX/XX/XXXX .... but they reported a missed payment that supposedly occurred last month, XX/XX/XXXX, on the XXXX CREDIT FILE. They are deliberately trying to victimize me. Again on the XXXX file they are deliberately reporting it as Open with a current missed payment. Fraudulently reporting is something hopefully you guys can see when I upload the documents. A Charge-off account cant be an open account. Please investigate and delete this fraudulently reporting company. Thanks in Advance
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75052	Web
1. ) Account Status : XXXX is reporting this account as " CLOSED ''. And XXXX is reporting this account as " PAID ''. 2. ) Payment Status : XXXX is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late. 3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years. 4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. THE PAYMENT HISTORY THAT XXXX AND XXXX HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
12/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
I purchased a kitchen appliance for the sole purpose of raising my XXXX, I paid off said appliance in 30 days/four weeks in cash and kept all receipts. 12 months later IXXXX receive a phone call with a rep from Conns telling me because my last payment was a charge back I have incurred TWELVE MONTHS of incurred interest. of over {$1200.00}, when in fact I had ( paid in cash ) so I knew that was FALSE. When I asked the rep what was the last four digits of said card, she could not supply said card and explained that my account was sold to a third party.XXXX This whole interaction left me baffled and highly upset, I hung up the call and was harassed for years to come and it has been almost 5 years and I'm still dealin g with this XXXX fraud company. On the app called XXXX, Conns has hundreds of complaints against them for deceptive acts upon them. HOW is a company of this size able to conduct business against people this many times over and still remain standing?!?!?!? Sincerely, XXXX XXXX
10/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77063	Web
This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. They requested that I get a Police report, but the statute of limitation has elapsed. " I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT
11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77019	Web
On Friday, XX/XX/2020, I received email and text messages from Conn 's of an ACH that was declined. I always make monthly payments at Conn 's and have not authorized ACH. In fact, Conn 's deceived me that once I paid off one account in full early XX/XX/2020, I could add two items to one existing account. However, once paid off in full, Conn 's gave me serious runaround about adding two a/c and heating window units. They requested additional proof of income and I complied. Next, they wanted more proof of income and I provided. The runaround was never ending. I eventually obtained the two said items elsewhere for much less and what I actually needed. Now, Conn 's is hitting me for some ACH. I phoned Conn 's three times today at different phone numbers of customer care, collections and back to customer care. Long holding periods and one time I was transferred again to hold for a long period. The first phone number rang but followed by busy signal. That is why I began contacting other numbers.
07/12/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 793XX	Web
We financed for a piece of furniture through Conns in XXXX. I have the payments set on automatic. They tried to pull early and it didnt go through due to finances. We did a partial payment because I went into the hospital. They have called me repeatedly every day ( at least 5 times ) from early in the morning to late at night. When I answered and told them we cant afford it due to me going into the hospital, and that its set automatically for the XXXX. We can pay then. He said alright but you will continue to get calls until its paid. I asked if he was going to harass me knowing we cant pay and we are set up for the XXXX. He got agitated and said that they will and that its not a guarantee until we pay, so they will call us every day. Its not the first time they harassed us and have even called my work in the past saying that I owe a debt and am not making payments, which resulted in my boss calling me about the issue. I was only a couple of days behind. I ended up having to move jobs.
12/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76133	Web
CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
10/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 75056	Web	Servicemember
I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.
03/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71291	Web
On XX/XX/2020, I made an internet payment on my Conn 's Home Plus credit account using my debit card in the amount of {$1500.00} which was indicated to be the payoff. I received an email with a confirmation number of XXXX indicating that the payment had been received and would be applied to my account. The payment is listed on their website and I have the email however it has not been applied to my account which has continued to accrue interest and now late charges. I have contacted their customer service on four different occasions and have been contacted by their collection team once since that date. Each time the representative can't explain why a payment that is on file has not been applied to my account and claim to have escalated it to their accounting team. While kind, I don't believe that they are seeking to clarify the issue and correct it for me. I am concerned about the possibility of this affecting my credit score if reported as late when the account should be paid in full.
02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	MS 39046	Web
I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.
11/30/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73112	Web
XX/XX/2020 i ended up in the hospital with XXXX. I was in and out for XXXX months. then went thru XXXX until XXXX XXXX while I was in the hospital having surgery and recovering. they started calling at XXXX and called EVERY hour until XXXX. I got so upset I was screaming into the phone to stop calling me. Doctors and nurses witnessed conn 's harassment of me. I have call logs to prove how many times they called. I explained to them in the first few calls what was going on and id contact them as soon as i got out of the hospital and was able to do so. they refused to allow me to heal while in the hospital and harassed me. at this point i believe i dont owe them a dime since they broke the law. i even told them to come get their items and be done with it and they told me they couldnt do that. then i get a letter in XX/XX/2020 stating they would take me to court which i'm still waiting on. i'm ready to get a lawyer since they just called me again XXXX days ago. i am done with them.
08/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77035	Web
I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's " verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.
07/23/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 286XX	Web
I'm behind on my payments because I'm XXXX. I'm almost finished paying off this in store credit account. I try to communicate every month when I can pay. Last month they called me 3 times a day at least. They send multiple text messages. I threatened the corporate office of Conn 's Home Plus with a lawsuit for violating the law. They stopped the phone calls but repeated calls to various departments at Conn 's, I've had multiple employees tell me the only way to stop calls was to pay, even though I worked out a plan to pay off the loan in full in two weeks. They call multiple times a day, and early in the morning when I told them I sleep around that time due to XXXX because I have trouble sleeping through the night. I owe less than {$300.00} and they know they're not going to get the money quicker. They make nasty comments and suggest I borrow the money from someone and call my spouse several times a day while she's at work even though I told them to stop calling that number.
01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75216	Web
I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.
07/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 295XX	Web
I purchased two kids bedroom sets on XX/XX/2021. Each set included several pieces that were discussed prior to the financing. After pickup of the bedroom sets I became aware that I did not get all the pieces in either set. I have attempted to get the store I purchased them from to correct the issue but have yet to resolve the issue. I currently have an outstanding finance charge for two incomplete bedroom 's sets. If I would have known that I was not getting all the pieces to these set I would have not gotten them. I've been told I am stuck with these bedroom sets and I have no clue what to do with two incomplete bedroom set that I now have to pay for. I also cancelled the delivery which a {$160.00} was suppose to be refunded to me. I have yet to be able to get this refund from Conn 's as of XX/XX/2021. I have been to the my local store which is XXXX SC now twice and have been denied my refund due to no cash in store. This seem very unreasonable and needs to be refunded.
06/23/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 87110	Web
I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.
11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77379	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78108	Web	Servicemember
I have been engaged in discussio ns with Conn 's since XXXX XXXX about the interest rate they incorrectly added to my account when I received an installment loan for furniture in XXXX XXXX . Conns ' contact has been very sporadic and they 've been caught in multiple lies. This business is operating unethically and I plan to address with the Texas Attorney General. I am attaching a copy of an email from XXXX XXXX , dated XXXX XXXX , XXXX , which specifically states " We are in the process of adding the " cash-option '' to XXXX XXXX 's account. XXXX XXXX has paid the account balance in full and will received a refund of any interest she paid on the account. '' The bottom-line up front is, 1 ) it is not hard to calculate the amount of interest paid ( I estimate {$1200.00} ) ; 2 ) it 's been almost a month and Conn 's has yet to come through on their word. Conn 's continues to retaliate against me for filing a complaint with the Texas OCCC.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77087	Web
I sent a letter to Conn 's that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. Conn 's has reported 3 accounts to the 3 bureaus. Initially all 3 account numbers were listed as XXXX .... I first pointed the inaccuracies out to XXXX and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, Conn 's was afforded the opportunity to correct and update the information. The accounts changed to XXXX and XXXX. XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked Conn 's to reverse the late payments to OK or paid as agreed. Conn 's decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
04/09/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77070	Web
Contacted the company regarding apparent debt starting in XX/XX/2016.I 've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response.I sent validation letters via certified mail to ensure that they would be received.An insurance claim with the company 's insurance was made regarding furniture that was purchased from company, furniture was lost in flooding and an insurance claim was then made which covered the balance left. I have been called numerous times over the past 2 months regarding someone delivering paperwork to my home which caused concern for my saferty due to the consistent harassment from this company. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web
Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the Conn 's Account. Conn 's never responded by mail. I used the Chat Box on the Conn 's website to request for the account history. They finally emailed the information on XX/XX/2023. Conn 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that Conn 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. This has prevented me from obtaining a loan and I will proceed with an attorney if needed. Now, the company is saying I need to authorize a third party. I am not working with a third party. I need this completed ASAP. I personally called Conn 's and requested for the documentation. They know it is me filing the complaint. Conn 's needs to respond to this complaint.
05/19/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I 'm in the process of credit repair! I contacted all the bureaus in regards to verifying each debt on my credit files. Conn 's ( XXXX ) originally submitted my charge off amount as {$1300.00}. The resolution in my dispute was the account was " verified ''. I did n't receive any documents showing my affiliation to this account. The update amount of this particular account added an additional {$10000.00}. My new balance is {$13000.00} on all of my three credit files. I spoke to a XXXX rep who stated that it was n't anything they could do but verify AGAIN what the amount is. This process can take another 30-45 days. I 'm totally upset and feel violated that a creditor can add an additional XXXX to my credit file, drop my credit score XXXX points and I have to wait until more research is done. Can you please assist me in this matter? Is there anything I can do? I attached the different credit files from XX/XX/XXXX and XX/XX/XXXX to show the difference.
05/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75044	Web
I purchased a computer through Conn 's utilizing Conn 's credit. I purchased on a Saturday and delivery of the device was made the following Tuesday. I opened up the device and called service because the device would n't connect to the Internet. They determined it was bad and sent me to the store for an exchange. I get home with my new device, and again wo n't connect to the Internet. This time I do n't call service, I just take it to the store. The store wo n't exchange or give me money back b/c we are outside their policy window. I go home and call service, service said to take it back to the store and get a new different computer. I get to the store and they ca n't find where service said that and make me send the computer off for fixing. I ca n't do my work for almost a month. The computer has n't worked at all from day one, and they wo n't give me my money back or a new computer bc I 'm outside their window, but it has n't worked since day 1!!!
06/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73135	Web
We all need help sometimes. Let Conn 's work with you. Call XXXX to make payment arrangements of {$24.00}. This is the end result. XX/XX/2019 I called conns to get a payoff for my account they gave me a amount of {$1000.00} so I mailed a check to conns. Original amount was {$3600.00} for the purchase of some appliances I paid off XXXX which paid over by {$10.00}. So one year later Im looking on my credit report and saw {$94.00} still owed so I called conns they told me I owe for a filling fee and I told them no I dont when I called for a payoff it was a done deal and this account was interest free for 36 months. So now its up to {$1500.00} and growing. I filled a dispute with the credit bureau ( XXXX ) and the account was removed from my credit report. But now Im getting phone calls from conns collection department telling me I should have read my contact and getting nasty. I paid my account off early and this is what you get. Do I need a Lawyer?
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77532	Web
My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.
11/23/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK XXXXX	Web
I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.
12/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78154	Web
I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.
11/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web	Servicemember
Account was opened for {$5000.00} in store credit. Furniture and tv was purchased. Items were delivered as broken tv and the incorrect furniture the same day. The tv was swapped for an opened no box used tv. I complained that no registration documents were provided for manufacturers warranty and the furniture was not what was ordered. The company refused to take return of the items. 48 hours after purchase I contacted the financing department to cancel and returned the items within the 72 hour cancelation window stated in the purchase agreement and the store had refused and stated they will just negatively impact my credit. 5 years later the creditor marked this account on my credit report as charged off after falsifying that I had made the first 3 payments and reported the items as repossessed however they items were never repossessed and I have never made a single payment. They have also made the false amount to be almost {$7000.00}.
08/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78217	Web	Servicemember
On or about XX/XX/XXXX I applied and was approved for a Conns credit account for which I purchased a Desktop XXXX computer. I returned the item the next day cause I was missing a part and I was dissatisfied with the unwelcome customer service treatment. I expressed that I did not care to purchase the computer, Conns stated to me that there would be a restocking fee of I believe anywhere from {$45.00} to {$75.00} dollars, I said fine, so therefore with the returned computer sitting on the conns counter and me sitting and waiting almost 2hours and being told that I would be help by a manager, I decided to leave .After a day or 2 I started receiving harassing phone calls and threats to damage my credit. I've never made a payment as stated on my credit report and I returned the merchandise. I never took ownership of said equipment and I promise there is absolutely no proof that I made an payment as is stated on my credit report. thank you
03/16/2018	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	TX 75074	Web
Hello, I spoke with a Conns customer service rep on XX/XX/2017. I currently see a late payment reporting for my Conns Account for the month of XXXX, and a late payment for XXXX on my 2nd Conns account. On XX/XX/2017 I spoke with a customer service rep ( XXXX from the payments team ), and we determined a auto-payment feature on Conns end occurred. My bank information was correct, as the rep verified it. Based on the research, the rep informed me they would correct the credit report since it was a Conns end error. I still have not seen the correction on my credit report. My next step would be to contact the CFPB and file a complaint for Conns not exhausting there efforts to correct this mistake under the FCRA. To avoid conflict, and keep a good relationship with Conns, I am kindly requesting these 2 errors be corrected as soon as possible. I have attached my credit report screenshots, showing how both accounts are currently reporting.
11/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MS 39212	Web	Servicemember
Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78245	Web
XX/XX/XXXX Conns is reporting an alleged debt that is not true or accurate to my knowledge. They have not sent me or provided with me with proper verification under the FCRA, to prove this debt is mine. They keep quote on quote verified with the credit agencies XXXX, XXXX, XXXX They are not in compliance with the FCRA. In anyway way shape or form. Here is a list of violations that CONNS is reporting on my file and refuse to fix this problem that is affecting my life tremendously. FCRA VIOLATION and they know this. * CONN APPLIANCES INC Account numberXXXX Delete this account for inaccuracy because it continues to report activity after close date XXXX They keep reporting to XXXX XXXX, yet report XXXX to you, if a lender was to pull my XXXX for a credit application or will result denial because of this inaccuracy. Delete immediately How can this be legal and be allowed to finish my credit worthiness? Fair Resolution Delete
12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80916	Web
Paying off a loan with Conns Home Plus, in 2 years ( Was set as 3 years ). They precalculate interest, and I have already paid more in payments over 2 years than would be required over 3 years. They continue to say the info is calculated right, but when I calculate it is obvioulsy wrong. They use the rule of 78 which says at this time I should be due a refund of overpaid interest, but they say I still have a balance on my loan. The amount has been increasing drastically every month. In XXXX payoff was supposed to be {$100.00}, I didn't have a payment due for a while so I made my next payment in XXXX ( {$140.00} ). Now my payoff is {$91.00}. The numbers did not add up, so I put all the information without a 2 year amoritization ( As if my payments were paid in 3 years ) and I have already overpaid by {$250.00} with additional amount still owed. Not getting much help other than Conns saying they are right and I still owe this.
07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77049	Web
Conns submitted my account due to non payment to a collections agency XXXX XXXX XXXX XXXX which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called Conns and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent Conns a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. I even submitted XXXX balance letter from collections agency to Conns and up till today no one has contacted me. I am getting the runaround with the collection agency as well as Conns and I have taken care of this account almost 4 months ago. Please help I am trying to do the closing in my house and this is the only thing stopping me from
05/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76039	Web
Updated CONNS CREDIT CORP Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. Hide Details After Before CONNS CREDIT CORP Account Name XXXX Account Number Secured Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$2500.00} written off. Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$3100.00} Original Balance {$0.00} Highest Balance 30 Months Terms {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount I have try disputing this item with conns numerous period of time someone went into they store a location thats no longer open someone working for them let someone used my information after my wallet was stolen and get items in my name which was fraud i fax over the police report to conns coporate got no response but they written the account off but they still reporting it to my credit.
09/28/2019	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	TX 77054	Web
Please see documents attached. I have disputed Conn 's several time with proof and they continue reporting false information to credit bureau. Recently, in XXXX and XXXX Conn 's reported my account as current, XXXX Conn 's reported my account XXXX past due. The information is inaccurate. When reporting disputes to the credit bureau they do not consider evidence and allow a company to report whatever they want. I recently brought to the attention of Conn 's they were overcharging my account and payments they received did not match my record of payments, my account went into collections with Conn 's. I provided proof of all payments in XXXX and we agreed on a settlement. I have agreed to an amount that is fair, however, they reported double the agreed amount to the credit bureau. I have attached agreement letter, and amount from bank account to prove Conn 's is reporting the incorrect information on my credit report..
10/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77083	Web
Early XXXX was advised to payoff and close the account I needed to {$510.00} by XX/XX/2020. I paid {$510.00} on XX/XX/2020. I was advised it would take 30days for the account to closed out and letter me advised balance paid in full. I started receiving calls early XXXX about a remaining balance of {$140.00}. I spoke a supervisor who assured it would be handled. XX/XX/2020, I received another call for the company and they said I owed {$180.00}. I spoke a lead and a supervisor and was told payment had been processed incorrectly on XX/XX/2020. They said would investigate again. Today XX/XX/2020, I received an alert from the credit that Conns reported that I owed them a balance. My credit was decreased over 30 points overnight. Conns has illegally reported inaccurate charges on my account and caused my credit to decrease. This could impact my other credit accounts. Conns Credit Company has failed to handle the dispute.
08/08/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78413	Web
I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).
05/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 731XX	Web
Conns Appliances and furnishings, have called me REPEATEDLY since XX/XX/19, over 20 times all day everyday, while at work and when I'm off from about XXXX to XXXX or XXXX ... My payments are due ea. Month on the XXXX ... I have paid on time for almost 2yrs. Straight ... wasn't able to pay on time this month ... and they have really been unprofessional and HOUND DOGS. TOTALLY HARRASSMENT AT ITS BEST ... I advices the conns rep on XX/XX/19.. I will make payment the last week in XX/XX/XXXX ... She demanded I set up a payment arrangement and {$25.00} late fee will added ... I will continue to pay my XXXX off.. But will Never GIVE CONNS MY BUSINESS AGAIN ... There is absolutely no reason To Harass a good paying customer this way ... When they are not accomplishing anything ... and TOO incompetent to leave a message ... Conns continues to call XXXX XXXX. Please Assist with POOR BUSINESS PRACTICE and incompetent personal.
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85353	Web
I got an alert today from a credit monitoring service with the following message. XX/XX/XXXX Credit Negative information has been added to your credit report. Activity Type : Delinquent Account Creditor Name : CONNS CREDIT XXXX XXXX XXXX XXXX , TX XXXX XXXX Industry Type : Home Electronics Sales and Service Amount Delinquent : {$120.00} Payment Status : Late 30 Days Account Number : XXXX Creditor Preferred Contact : Other This account was closed and sold to a third party in XX/XX/XXXX . Conn 's does n't the right to keep reporting to the Credit Bureaus, therefore that 's a violation of the Federal Fair Reporting Act. Conn 's denied that they are reporting anything and blame the third party they sold the account XXXX XXXX XXXX XXXX XXXX When I spoke with this law firm the rep said that they does n't have the ability to report anything to the Credit Bureaus. CONN 'S has violated the FCRA.
02/15/2023	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	TX 75044	Web
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 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 identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
05/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11106	Web
- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. - Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter. - I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
07/22/2020	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	AZ 85041	Web
Ive reached out to Conns several times one of which was yesterday for help/assistance with my Conns bill. Due to COVID 19 I was advised I could call by a rep from the company if I was having difficulty paying my monthly bill. I reached out to them after my account was past due since that is one of their requirements before they can help you with a payment arrangement. I also received an email from conns stating that they can help with lower payments. When I called I was transferred to a supervisor from billing which denied me any form of help. I just spoke to someone again today and she said they do offer help. She transferred me again to billing and still theyre not offering me any reason for not helping me or any assistance. Ive done what they asked waited until my account fell behind to ask for help now they refuse to help me and now Im being told my account has to be 23 days past due before they can help me.
05/20/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77449	Web
I am a XXXX and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es a day for 2 we eks now. For a payment of XXXX $ I have repeatedly asked for more time until I finally had to talk to a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and XXXX XXXX .
05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	TN 37067	Web
In XXXX of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live up to the contract. I am so frustrated with this company. What can I do to rectify this issue?
11/01/2018	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	TX 77450	Web
I am writing to dispute the following information in my file. This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.
04/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85043	Web
I called in on XXXX XXXX 2017 spoke w ith rep and was offered a ext rep adv to pay XXXX which she setup the payment for XXXX XXXX I started getting emails that my account was past due I called in on XXXX XXXX and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay XXXX dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay XXXX and they will defer two payments to end of loan so they want me to pay XXXX plus the XXXX and none of these funds will be applied towards payments this is their fee.
10/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 76016	Web
IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.
05/15/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77045	Web
We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78728	Web
XXXX Submitted dispute ( # XXXX ) with XXXX regarding Negative Charge Off information on my credit report through XX/XX/XXXX. The status " Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX '' listed on my credit report is inaccurate. The status should be included in bankruptcy filed XX/XX/XXXX and discharged on XX/XX/XXXX XXXX XXXX notification that the dispute " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XX/XX/XXXX ; Called ( XXXX ) XXXX to discuss with company. Transferred multiple times within the company. They were clueless and did not know what to do or who to call for the issue. Finally, I found XXXX in Conn 's recovery who told me to call my lawyer for a case that has already been completed.
02/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29681	Web	Older American
I went to Conn 's to buy a computer and TV. When I ask when payment was due, I needed it to be around the XXXX and was told NO PROBLEM I can call and have the payment date when I needed it. When I got home I called and was told no the date could not be changed. I explained what had been told to me but they said sorry, I had a 10 day grace period. I was supposed to have 12 mo 0 % but if all payments were not made on the due date they told me, the 0 % interest was void. If not paid on due date I start getting calls ( as many as 15 a day ) They now are leaving messages asking for XXXX?? and all in XXXX. If I call back, I get someone that does not speak English or get transferred then hung up on. I have asked for a copy of my account, It takes several phone calls and finally after2 1/2 months finally got one. Interest is 35 % and the extra amt. paid is not going on the balance, just says future payments.
06/06/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 775XX	Web
Conns XXXX XXXX account # XXXX was sent to a collection agency named XXXX. The phone number for the collection agency XXXX was provided to me by a customer service representative from Conns, Ive called XXXX at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from XXXX. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have XXXX report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at XXXX or even to get a phone call returned.
06/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70737	Web
I went into Conns and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that Conns account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.
08/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85040	Web
I have called CONNs to try to pay my bill and handle the situation twice now. The first time ( XXXX ) they sent me to XXXX XXXX XXXX. ( XXXX ) I spoke to the manager there by the name of XXXX XXXX ex. XXXX. She informed me that they have closed & canceled my account with them & sent it back to CONNs on XX/XX/2019. Today I tried calling CONNs again to pay my bill and they said its still in collections with XXXX XXXX and kept giving me the run around. So, I asked to speak to a manager. I spoke to a lady by the name of XXXX. I asked her if I could just pay it off, she wouldnt let me because its in a different department but even she is unsure what department that is because he records indicate that XXXX XXXX still has the account. Im not sure what to do from here. The lady said she would send it up to the off line department to find out where its at or who has the account. Conns account # XXXX
07/29/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75227	Web
There was a clear violation of regulation F that regulated the frequency of call during a week. Just today I have been called over 7 times. I have tried to contact this company several times but numbers that call do not work. When the call they do not have a person answer the call ; there are times when the call is connected but one answer. The collection practices are unethical. The action that occurred on XX/XX/2022 violated Texas Law, TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION. Sec. 392.302. HARASSMENT ; ABUSE, ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.
05/08/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web
Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.
06/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78230	Web
" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. Each of those violations will be pursued in State Court.
02/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78418	Web	Servicemember
Conn 's calls my phone and my wife 's phone more than 8 times every day. On many occasions, I have made verbal arrangements with them to automatically debit my checking account on the first of the month for the bill that is due, however, they start calling me on the XXXX of every month and call every single day numerous times. They also call my wife 's phone number even though she is not listed on the credit application. They call from several different telephone numbers and will discuss the debt with anyone who picks up the phone. They have talked to my wife, my step-children, my mother-in-law, and even once with a co-worker. I have repeatedly told them that such calls are considered harassment, and that they were not to call me any more, as I have already arranged payments with them. I also informed them of my work hours, which they have ignored and it had caused me problems at work.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78247	Web
Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a Conn 's Appliance account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. Conn 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75180	Web
XXXX received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove Conns Appliances ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
10/31/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 284XX	Web
bought a bed from conn 's XXXX and have made all payments and in XXXX. of XXXX called them to make a payment and i knew i did not have a large balance so while making the payment i ask what the pay off was. they said XXXX owed so i called at the end of that week to pay off balance. about six months later starting getting calls saying i owed XXXX dollars and now it has gone through the roof. i told them to play and give me a copy of the phone recording but would not then i ask them for a copy of all payments would not give me that info. they keep calling i told them ( no lie 100 times to stop calling i had to change my numbers and they keep finding me harrising me for payment. tried to find the owner of the company but no one will give me the info. do i need to get an attorney and sue them for this. because this collecting has gone to far they even put it on my credit and damaged it
02/01/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 805XX	Web
I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.
11/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48224	Web
I am a victim of identity theft. I have been trying to contact Conns for a very long time now. Their representatives were being very rude and threatening and refused to help me. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not at the address in Louisiana where the account was opened. They denied me the opportunity and kept giving me the runaround. I don't understand why Conns is refusing to acknowledge my Identity theft problem and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77449	Web
Conn 's has been falsely reporting negative information to all 3 credit bureaus XX/XX/2019. I purchased a laptop from Conn 's on XX/XX/XXXX. The laptop was returned on XX/XX/XXXX. The restocking fee of {$100.00} was paid in store at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have explained this several times to Conn 's. I do not have an open account with Conn 's and this company continues to report negative payment history. Due to this, my credit has dropped 45pts and I have been denied credit from other creditors and was unable to close on my house due to this issue which resulted in a lose of {$2000.00}. I have called Conn 's several times over the past 4 months to have this issue resolved. I have been told several times that they would correct the issue in 10 business days. Per conversations with Conn 's reps, legal action will be taken if this issue is not resolved immediately.
04/01/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 78572	Web
My husband has a debt with Conn 's Inc. ( Furniture and Appliance ). Due to financial hardship, he stopped making payments many months ago. However, and unfortunately, my husband died this XX/XX/2017. Since I told them that, the calls have not only been more recurring, but they are harassing me with charging off the account, whatever that means. They gave me a one day ultimatum to pay a settlement or they would do that, and right now, I have other things to worry about, like securing a financial stability for my kids. I already told them to not to call me until I speak to my lawyer, but it seems they have an urgency for me to pay the settlement they offered. My husband left no estate behind, as we owe the mortgage and our XXXX cars. What is troubling me is the harassment during this very difficult time of my life, when an unforeseen accident left me a widow at the age of XXXX.
10/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37076	Web
I have paid off my amount for the XXXX equipment that I purchased back in XXXX of last year. My last payment I paid in full with no balance owed this year in XXXX. I was told that I would not be penalized for missing a payment due to the representative inserting my method of payment incorrectly. The manager stated that he will take care of it and I would not be charged for a late fee. I have been harassed by email and calls for the amount that Conns XXXX are saying that I owe. I have been back and forth with different reps there that said they will take care of it, and when it comes to find out they did not. I did not hear from Conns until XXXX of this year stating that I owe them. I thought it was taking care of because the Manager stated to me earlier this year that it would be taking care of. I am being Harassed!! Im am tired! They are not trying to resolve this issue.
08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78729	Web
My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
10/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77389	Web
I keep getting calls and voicemails from a company called XXXX XXXX XXXX. The voicemails are the same male voice but with revolving different names. After doing some research this is an attempt to collect a debt from Conn 's ( furniture and appliance store ). I last paid an amount on that debt in XX/XX/XXXX XXXX over 7 years ago ) and furthermore the debt was discharged in bankruptcy in XX/XX/XXXX XXXX over 3 years ago ). They keep calling and leaving voicemails. They seem to have an infinite amount of internet based voice-over-ip phone numbers. I block them all the time but they always have a new number from a new state for which they can call me. These people need to be stopped. Their needs to be some consumer protection regulation against organizations like this. I get called by these people EVERY SINGLE DAY ( and sometimes even on Sunday nights ). It is ridiculous.
05/15/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98036	Web
I was contacted today by a woman claiming to be an attorney from XXXX and XXXX XXXX XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened XXXX XXXX 2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.
08/27/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 77327	Web
I made a purchase a Conn 's Home Plus in the amount of {$3200.00}. The order was canceled within 24 hours and no delivery of merchandise occured. As of XX/XX/2023 a pending charge is still active on my account. When I called Conn 's approximately 1 month later, I was told it can take more than 30 days to release the pending charge. I have also contacted the issuer of the credit card for the store, XXXX XXXX and was told they can do nothing. I asked repeatedly ( via chat ) if XXXX allows the practice of merchants holding pending charges for this long and never received an answer. Even hotels release pending charges in a timely manner and I am not sure why it takes so long or why a merchant is permitted " months '' to release a pending charge. XXXX XXXX {$320000.00} Purchase on XX/XX/2023 XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77502	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
10/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.
02/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 774XX	Web	Servicemember
Conn 's begins auto calling my cell phone beginning at XXXX the day after my bill is due and continues to call 8-10 times per day, everyday including the day the bill is paid. The calls start around XXXX each day and do not stop until XXXX each day. It is an auto call with a prerecorded message asking me to contact XXXX 's. I have complained to Conn 's about the harassing calls and have asked them to stop but was told they are allowed to call me. I understand calling when a bill is past due but 8-10 times per day is excessive and borders on harassment. I have a record of every call from them each day. They also call from different numbers each month making it next to impossible to ignore these calls. Even if I make a payment arrangement, the calls continue. I just want them to be reasonable with their calls. 1 or 2 calls a day is fine but not almost every hour.
06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77088	Web
In XXXX I purchased some appliances with conns however, I returned the appliances with the understanding that I would not be charged full price for the purchase since the return was within a specific time frame for one of the items. Unfortunately, the company is charging me full price and they continuously report incorrect information to the credit bureaus which has damaged my credit. In XXXX I sent a letter to Conn 's requesting detailed information regarding the purchase and the return and I haven't received anything. I've attempted to dispute the erroneous data with all three credit bureaus for some reason each time I dispute the dates on the closed account continues to change. Please assist me in getting answers and removal of the information from my credit file. This is a company that preys on a certain population of people, their practices need to stop.
02/17/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85756	Web
I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.
06/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77081	Web
I went in and purchased some Items from CONNS. Some of the items that I purchased were not at the store location, and I was instructed to go by their warehouse and pick up the remainder of the merchandise. The warehouse did not have my items in stock as well and I was told that it would be shipped to my home. Also, CONNS added rental insurance in the amount over XXXX to my account. I brought it to their attention and they stated that due me having rental insurance it would come off. Months and years went by, I am paying on my merchandise, and never received my items that were listed on my contract from CoNNs but they want me to pay for them. Also, they never took off the rental insurance XXXX. I believe the contract is non/void due to them not keeping their promises of giving me the items that I agreed to pay for on the contract. I believe this is fraud.
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85234	Web
Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. I have not received the letter and my credit is still not updated. I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.
08/07/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 713XX	Web	Servicemember
XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.
02/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27284	Web	Older American, Servicemember
XX/XX/2015, I purchased furniture from Conns Credit with the loan amount for the furniture was {$3000.00}. I have paid {$2400.00} per Conns Customer support team with a balance of {$520.00}. I have a 24 month cash option that is interest free. Conns is reporting a cash balance of {$1000.00}. The customer support team has submitted three requests for the credit department to correct their mistake, with the last request being submitted to upper level management. I have attached online bill pay activity, cash option addendum, sales contract to support my claim of illegal lending practices of Conns. They will not respond to the NC Dept of Justice Consumer Protection division, my only hope for justice is the US CFPB. CONN 'S IS REPORTING {$120.00} A MONTH IN LIEU OF THE ACTUAL CASH PAYMENT OF {$170.00} BY BANK DRAFT, thus cheating me out of the difference
01/27/2022	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 Investigation took more than 30 days	TX 77072	Web
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
03/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75002	Web
I paid off my Conn 's accounts, ( XXXX account paid on XXXX/XXXX/XXXX, other XXXX accounts paid on XXXX/XXXX/XXXX ) and they are still reflecting a balance to the XXXX major credit reporting agencies. I have written Conn 's and they sent me a direct letter back stating they are all paid in full and closed. At the same time I initiated a Dispute with the credit bureaus and they stated that Conn 's verified the balance being correct. This is a violation of the FCRA, FACTRA, and FTC guidelines and needs to be addressed. If they are doing this to me ... who else is a victim. Please assist me in bringing this company 's practices into the light for the world to see. XXXX SEE PAGES XXXX & XXXX to see the balances still showing ALSO ATTACHED IS THE LETTER SENT BY CONNS REFLECTING THE PAID STATUS IN XX/XX/XXXX BEFORE THE BUREAUS CONTACTED THEM**
11/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75010	Web
Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. They did not go collect product nor attempt to contact the other involved. They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.
05/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70503	Web
I have been in contact with Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other XXXX bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report. All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.
02/11/2016	Yes	Credit reporting	Incorrect information on credit report Account status	TX 76179	Web
I purchased a {$1600.00} refrigerator in XXXX XXXX from XXXX 's XXXX, the day it was delivered the bends and trays were missing in which I had to go into the store and obtain these items from a floor model. A week later the week of XXXX the whole fron electric panel went out and the ice and water maker did not work. XXXX 's did not repair the refrigerator until the XXXX week in XXXX XXXX and refused to deliver a new refrigerator. During this time XXXX 's offered me extensions so I did not have a payments due during this 2 month period until the issues were rectified. When the refrigerator was finally repaired I called in to make XXXX payment. Now I received information from the XXXX credit bureaus that my account has been delinquent more than 60 days. This information is incorrect and has negatively effected my credit trying to receive a mortgage.
03/30/2018	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	TX 78232	Web
I submitted a payment to Conn 's of {$830.00} when the balance on the account was {$770.00}. I inadvertently submitted a second check for {$770.00}. Conn 's confirms the received payment of {$830.00} on XX/XX/XXXX and the check for {$770.00} on XX/XX/XXXX. I have contacted Conn 's regarding the over payment of {$830.00}. They promised on XX/XX/XXXX to look into it and get back to me. I heard nothing. On XX/XX/XXXX one of their agents XXXX said they were still investigating but confirmed the over payment. On XX/XX/XXXX at XXXX manager XXXX ( XXXX ) promised to contact me on XX/XX/XXXX with updates.On XX/XX/XXXX I asked for updates and they could provide none. I requested a statement of activity. I was told I would receive it within 3 days even though he had access immediately and could read it to me he said their email processing time was 3 days.
10/12/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73099	Web
Conn 's calls my husband 's work ( XXXX ) and personal phone ( XXXX ) several times a day - sometimes up to 10 times per day. We have asked them to stop calling his work number, as well as his personal phone, but they do not stop. We have noticed that when my husband travels and/or gets calls from different states for his work, that they will call using a phone number from that state. For instance, he received a work call on his work phone from Arkansas, and not 30 min later Conn 's called using a number from Arkansas. We have been in Florida for travel, and the Conn 's calls we get are from Florida. Every time he gets a work call, Conn 's calls his work number with an number from that same area/state. I do not know how they get this information or why they will not stop calling, but it is harassment. My husband 's work is fed up with the calls.
02/04/2020	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	TN 38017	Web	Servicemember
Conns Appliances INC shows two 30-day late payment on my account which completely wrecked my credit score and is impacting the ability to house my family. I have had a stellar payment history with Conns and dutifully paid my account online everytime via their Webportal until I had an issue making payment via the portal and contacted support which told me that the portal had changed. This negatively impacted my payment because I always paid at the very end of the month and the delay caused my payment to be counted as late. My next payment was also impacted because my card was compromised and canceled by my bank which caused my autopay to not go through. Once I became aware I immediately corrected the issue and made payment but Conns still counted it late. I have paid off the account entirely and wish for my 30-day lates to be removed immediately.
02/23/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76063	Web
This account is in My name XXXX XXXX my phone number is XXXX, my daughter XXXX XXXX is getting back to back calls at her phone number XXXX because she is a reference on the account. She has told them to stop calling they still call. I have asked them why they are calling her number when they have spoken to me it should be noted on the account and she should not be getting back to back calls for an account thats not hers. I can only imagine them doing this to my other references that are listed also. My daughter works nights does not need to be harassed any further. They need to remove her phone number immediately. The irony is they have spoken to me several times because I havent set up a payment arrangement they chose to use intimidation tactics which is illegal by harassing her and who knows who else they have called because we live together.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	LA 706XX	Web
I have tried to fix this with the company. I purchased this TV in XXXX of XXXX call them in XX/XX/XXXX and ask for a payoff and I pay the TV off. One year and a few months later when i had my Credit report was pulled as I was trying to purchase a house and Conns appeared saying that I was 3 months late I call them they told me what they did with the money that I paid them in XXXX they paid each month note until the money had run out and then they never contacted me and put my name in collections stating that I still owed them money Anyway after all the trying to repair this I pay them another {$900.00} to get this repaired so i could get my credit repair and they said it would take 30 to 60 days to remove it and here itbis a year and im still trying to get them to removed. Can I get help so i can go forward with buying my new house. Thanks
05/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77498	Web
Conns XXXX XXXX keeps calling my phone to try to get their payment for my washer and dryer. I have no problem paying for my items as Ive previously stated to them. My account is on auto debit but for some odd reason, the payment never goes thru, even tho there are funds in the account. As of today, XX/XX/XXXX, I have been called by Conns nearly every 30-45 minuteseach time from a different number. On Sunday XX/XX/XXXX i was called 7 times between 1pm and 5:17pm!!! Its ridiculous! No voicemail is ever left, no emails are sent. I have asked them to please stop calling my phone repeatedly as I am a XXXX in the ER, and having my phone ring this frequently interrupts my ability to care for my patients. Just since 7am today, I have been called 7 times. Please do something because this amount of calling is harassment and is interfering with my job.
03/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 73162	Web
I have advised Conn 's that the number of times they are calling me a day is far beyond excessive and at this point is harassment. I spoke with 2 managers on separate occasions that assured me the calls would not continue, there is a reoccurring monthly payment scheduled and Conn 's is asking me to set up a payment which has already been done. I am being called 6-7 times a day every day at all times of the day. I quoted there is a FDCPA regulation that strictly prohibits to call as many times. Two months ago I spoke with a rep and explained when the payment was being made she hung up on me and then another rep called within 30 mins asking me the exact same thing. That is the first time I spoke with a manager. I'm at work when a majority of these calls come in and this continuous badgering can cause me to lose my job. I need help! Please help!
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85323	Web
I took out a loan for furniture with this company around XXXX and XXXX. Thye had a promotion at the time that stated if you paid your loan off within so many months you would not be billed interest. I had just about paid off a furniture loan of 6k when I decided to get a smaller loan for a bed and used their loan services for a smaller loan around 3k with the same promotion no interest if paid off within a certain timeframe. I had paid off the larger loan within the promotional period and was about to pau off the smaller loan, i had literally 1 payment left which when i paid it did not get applied in time or got applied to the other account. Conns telephone representatives were extremely rude and unhelpful, i felt they did this on purpose to get more money out of me. They are unfair and deceptive when it came to their interest free loans.
09/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78664	Web
I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.
07/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75189	Web
I am on a XXXX month no interest wth buyout at the end pan. It was purchased on XX/XX/2021. contacted Conn 's customer care on XXXX around XXXX pm XXXX after checking my credit report. I see that my balance has only decreased about {$200.00} from the original finance amount XXXX I work in XXXX so I advised them that I was being chrarged interest. There is nothing displayed online or neither do I receive a monthly statement advising of what my balance is after each payment. The rep advised that I was not being charged ineterest. I requested a copy my payment history, She advised again " looking '' at it I was not being charged interest. I received the ledger adn I am infact being charged monthly interest. They may infact be charging other customers incorectly and it also affecred my approval for items because my balance was not decreasing.
08/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23234	Web
Conns Home plus issued me personal loan for appliances. I make payments weekly. I called in to request statements for my loan to show not only payment history but, how my weekly payments are being applied ( interest and principle ). I was told that due to the accounting rule 78 and having the type of loan I have ( verified it is an interest-bearing loan ) they are unable to provide a breakdown of how my payments are being applied. I have never had a loan where a statement is not supplied. I was told that I have a 0 % APR at the time of purchase in store but told over the phone that I have a 29 % APR. This now brings UDAAP into question. I am seeking the assistance of the CFPB to obtain statements showing how my payments are being applied, and what my actual interest rate is. Detailed payment history is not provided online nor upon request.
09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77042	Web	Older American
I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.
11/29/2019	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	CO 806XX	Web
I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. Neither account will change. Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX
08/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77090	Web
Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76018	Web
Conns XXXX XXXX is reporting negative inaccurate information on all three credit bureaus and this negative impact is keeping me from purchasing other credit options. All information is regarding account number XXXX Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX & XXXX. Conns reported on XXXX I was late for the year XXXX for the months XXXX, XXXX, XXXX Conns reported to XXXX I was ate for the year XXXX for the months XXXX, XXXX, & XXXX and XXXX for the months XXXX, XXXX, XXXX This is inaccurate information and also I believe my account is mixed up with someone else account. This company by law is required to report accurate information and this is deemed not accurate. Please assist with getting all inaccurate late payments removed from my credit report based on of Conns reporting inaccurate information.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 731XX	Web
Conn 's www.conns.com has been calling me everyday for a total of {$120.00} on a washer and dryer I 've been paying on for 2 years. I only owe {$120.00} to pay the entire account off. I have told their reps I get paid on the XXXX of this month and would pay it off. They continue to call me from different numbers ( dialer ) MULTIPLE times a day. Today alone, they have called me 12 times and it 's XXXX. They start right at XXXX. I have told them I am filing a complaint and they say " Ok, but the calls will continue until a payment is made '' This is n't just today. They call me up to 15 times EVERY DAY and it 's harassment!!!! Especially when I 've told them I would pay the entire account off on the XXXX. 15 times in one day is EXCESSIVE! I would like to file a formal complaint against this company and their idiotic collection practices
07/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 273XX	Web
I purchased a clothes dryer from XXXX XXXX XXXX several months ago. I have made all my payments within the week due before a late fee was assessed. I am XXXX XXXX and get paid at random times which I told them at time of purchase. The date my payment becomes due, the company starts repeatedly calling and texting my personal and business phone. They proceed to call at least 12 times a day. Twice I have asked them not to call me repeatedly and that I would report the practice as harassment but they continue to call several times afterwards. Today they have called 12 times. My payment was due on XX/XX/XXXX so it has just reached one week which is the latest it has ever been. I usually pay it within 3 days of the due date. This is affecting my work and I an unable to answer business calls because they continue to call about every hour.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
11/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77024	Web
Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.
02/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75104	Web
After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. Conn 's mailed a letter stating conflicting information from the first notice I received. The account was not 30days late.
12/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77521	Web
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
06/21/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77056	Web
I understand that I am past due on my payments to Conn 's. They call me every single day multiple times a day from different numbers. Last week, they started calling my job. I scheduled a payment with the lady and told her not to contact me at work, and she said she could not delete the number from work, but she would make a note not to call the number. I told her to remove the number and that she is not allowed to call the number. Those calls have stopped, but on Wednesday, the phone number XXXX called my cell phone 18 times, starting at XXXX XXXX. until XXXX XXXX I got two calls from XXXX the following day and blocked the number. Today, I have received 12 calls from XXXX so far and it is XXXX XXXX I have blocked that number as well. These calls need to stop. I make the payment when I am able and this is absolute harassment.
06/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75082	Web
I was told if i make payments of {$420.00} Per month for 12 months during the 0 % introductory cash price i would pay off the loan. I maintained my payment to pay off the loan at the cash price, Including making the final payment on the loan the last month before the 12 months was off. I should have received the loan as paid off by now. Instead Conn 's is trying to charge me the interests rate now, late fees and says i own an addition XXXX $ Which is not true. When i call Conn 's credit they told me i did make the payment in time, but that it was sent back and i paid too late after that so they wo n't honor the cash price now. That is n't true i did make the payment and it was received and not sent back. Therefore i should n't have all these late payments on my credit and the loan should be payed off. ( Paid in Full )
05/25/2021	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 Was not notified of investigation status or results	LA 70072	Web	Older American
Hello my name is XXXX XXXX XXXX and I have a dispute with Conns XXXX XXXX they have XXXX dollars on my credit report and I did not charge anything for that amount and it is on my credit when I was in XXXX XXXX La I had a house fire at XXXX XXXX XXXX XXXX XXXX LA and I did not have no uitilites and no water on at the house. I was working on the repairs to the house but since then I had a XXXX on XX/XX/XXXX, XXXX and I was in a XXXX for XXXX weeks I ended in a Nursing Home by my daughter and I was going back and forth to the hosipitals in XXXX XXXX I ended up with my sister in law XXXX XXXX XXXX XX/XX/XXXX and from there I went to XXXX XXXX XXXX XXXX XX/XX/XXXX and was put on XXXX now and still lives in XXXX XXXX la XXXX and still on XXXX and I did not do no charges on my credit report please investigate please XXXX XXXX XXXX
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web	Servicemember
XX/XX/XXXX : {$7300.00} - This is saying that the last activity was XX/XX/XXXX, when in XX/XX/XXXX I was 30 days late and they keep reporting like it's an active account as late when it's supposed to be a collection. XX/XX/XXXX : {$7300.00} - This looks like a double of the XX/XX/XXXX, the same exact amount and showing last activity as XX/XX/XXXX when it shouldn't because it's showing 30 days late in XX/XX/XXXX and it should be filed as a collection. XX/XX/XXXX : {$3400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report? XX/XX/XXXX : {$2400.00} - This is showing 30 days late in XX/XX/XXXX, but they are reporting as late payments and not reporting as a collection. Should this still be on my credit report?
10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77379	Web
Regarding : CONN 'S APPLIANCES INC XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. XX/XX/XXXX CONN 'S APPLIANCES INC ( Conn 's ) checked my credit via XXXX, and neither Conn 's nor XXXX contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account. Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that Conn 's extended credit. This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the FACT Act ).
11/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77433	Web
Conn 's stated that I owed a debt for {$1600.00}. They transferred the account to a third party name XXXX. I made a settlement offer to XXXX for {$480.00} to settle the account in full and now Conn 's won't settle the account to XXXX balance on my credit. The collection place XXXX stated they couldn't put a XXXX balance since they wasn't the ones who report to the credit bureau. I tried calling Conn 's over 10 times to get the matter resolved and still no answer. I fax over the letter to Conn 's letting them know I settle the account on XX/XX/2018 and they still won't report to the credit bureau it was settle. I talk to a supervisor name XXXX in recovery and I keep getting the run around. I tried telling them Im in the process of buying a mortgage and I need my account to be settle to a XXXX balance, along with a letter.
09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 73162	Web
I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75032	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... CONN XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76052	Web
I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. Thank you for being a voice of the consumer XXXX
10/01/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	AL 35749	Web	Older American, Servicemember
The company first tried to force some type of credit insurance which they later called XXXX XXXX, I showed them I had insurance, A week later they tried to force Life insurance on me which I had to fight to not get about a week later I received a new statement saying I owe {$8300.00} from the original {$900.00} owed.So I went to the company for an explanation of the amount difference and they could not explain it so I for item to pick up and inventoried so we would know exactly what I do have.I was told they could not pick it up I would have to bring it in.So I feel like they tried to force me to take the insurance and when I didn't they raised the amount on me.None of this was discussed during my first purchased.I received the new payment amount on XXXX, on XXXX went to the place of business to try to clear it up.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77073	Web
On XXXX XXXX a payment for {$110.00} Was made to company of Conn Appliances , Inc. which is on time. On XX/XX/2020 a second payment was made of {$99.00} which was a early payment to close out the account entirely. Conn Appliances , Inc. Incorrect reported to my credit that my XXXX payment was passed due and that the account was still open. Ive tried to dispute the problems with the credit bureau but the only result was the change in account status from, from open to close. I tried a second time and still no success in the removal of the pass due payment. Ive fought and fought with Conn Appliances , Inc. over and over to correct the problem but no results. Ive sent demanding letters and have recordings and emails of them owning up to the mistakes made. Ive also have confirmation number to support my payments.
12/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75067	Web
I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76065	Web
I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
ON XXXX CONN CREDIT I, XXXX. CALLED MY PHONE NUMBER XXXX ASKING TO SPEAK WITH XXXX. I INSTRUCTED THEM TO STOP CALLING ME, THAT THIS PHONE NUMBER IS REGISTERED ON THE DNC REGISTRY AND HAS BEEN MY PHONE NUMBER FOR OVER 5 YEARS NOW. I ASKED FOR THEIR ADDRESS, AS IT IS MY RIGHT TO SEND THEM A DISPUTE LETTER IN THE MAIL AND THE AGENT REFUSED TO GIVE ME THEIR ADDRESS. THEIR AGENT TOLD ME IT WOULD TAKE UP TO 24 HOURS FOR THE CALLS TO STOP AND THAT I WOULD NOT BE CALLED AGAIN BECAUSE THEY MADE CONTACT WITH ME. THE USED AN ATDS TO PLACE CALLS TO ME. THIS IS ILLEGAL. THEY DID NOT GIVE ME THEIR LEGAL ENTITY NAME. THEY TOLD ME THEY WERE CALLING FOR CONNS XXXX, BUT CONNS XXXX SOLD OR ASSIGNED THE CONTRACT TO CONN CREDIT I, XXXX. I DISPUTE THIS DEBT, CONDUCT AN INVESTIGATION AND SEND ME RESULTS OF THE INVESTIGATION.
07/20/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79423	Web
Conn 's text me early this morning offering a settlement of 85 % against my outstanding balance of over {$3500.00}. I immediately, call XXXX to a take advantage of the offer. I spoke with the representative then calculated amount that was only much different than my calculations. I told them that 85 % would be much greater than the outstanding balance. She kept quoting the remaining balance of around {$2900.00} or so. After going back and forwards, I told her that I could send a screen shot of the offer which I did. My phone begin to act up and I had to restart it and the call was disconnected. I explained to them that the settlement was incorrect and that according to what I perceived the offer if 85 % was stated incorrectly, but they said it was not. File will not upload, but I can send in an email?
01/13/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85298	Web	Older American, Servicemember
Conns Furniture gave me a high interest rate loan. XX/XX/XXXX, I became ill. and fell behind two payments. The payments have since then been paid in full. The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. Sincerely, XXXX XXXX
03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 707XX	Web
I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?
01/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28314	Web
XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.
08/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80916	Web
Trying to access my account online. The online system for Conns will not allow me to access my account to pay my bill. I am not comfortable with paying my bill without having access to the account balance as I have had issues in the past with payments not credited correctly. I have expressed this concern with Conns and I am receiving 1st payment default notices. They originally claimed the issue would be resolved within 24 hours and I would have access. After another 5 days I am being told they still have not resolved the issue. I want my account on pause until this is resolved and my due date extended due to their mismanagement of their systems. I understand under the Fair Credit Billing Act and Fair Credit Reporting Act they must give me access to this information and are not giving me access.
08/14/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39212	Web	Servicemember
I spoke to Conns they said they was giving me a good deal on my account and if I paid a few XXXX my account Would show current they would say one thing and do another or debit on the wrong day or get the money from the wrong account the employees did not know how to fix an account when they would promise one thing and do another Conns would call more than. 6 times a day saying one thing and do another when you believe it was resolved the phone calls would happen again billing for wrong amounts or wrong info causing the customer to default on account giving false info to get a payment knowing it would not make the account current only to call back with a different amount a few days later conns would use deceptive tactics to deceive the customer knowing the account was never corrected as promised
11/15/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76504	Web	Servicemember
Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.
11/16/2020	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	TX 75010	Web	Servicemember
I sent a certified letter to XXXX, XXXX, and XXXX on XX/XX/XXXX informing them of several discrepancies that Conn 's was reporting to my credit profile regarding the date of last activity, date of last payment, date opened, account status, account type, account number, payment status, and payment history section of the listings. In addition to reporting discrepancies, this account was paid in XX/XX/XXXX, yet they continued to report payment history through XX/XX/XXXX. Conns was notified by the bureaus and they failed to perform a proper investigation and failed to fix the errors in which they were informed. Conns neglected to fulfill their lawful obligations and did not perform an honest investigation and continues to report inaccurate information to the credit bureaus after being notified.
12/19/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 87002	Web
Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL XXXXX	Web
I had an account with Conn 's based out of XXXX, Texas, however, I live in XXXX, Texas. I purchased an item plus the insurance protection plan from Conn 's in 2013 and that was an incident that resulted in the insurance being applied to my account which would have paid the account off, but upon trying to talk with Conn 's several times to no avail, they are reporting this account which should have been paid off per the insurance protection plan that I purchased. I provided them with all perintent information. All of my damages were mitigated with Conn 's per the insurance protection plan. Conn 's is reporting this account on my credit twice with the same account number. This is has really hurt my credit. This is the account number that Conn 's is reporting XXXX {$1300.00} & XXXX {$780.00}
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75211	Web
Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.
05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC XXXXX	Web
I opened an account wit h Conn 's h ome furnishing at the end of XXXX XXXX . I made sure I understood all the details. I borrowed approximately XXXX dollars. I made the first payment due on XXXX at the inception of the contract. My next payment was due on XXXX . Conn 's has attempted to reclassify my payment, even though I made it clear when the payment was made it was for XXXX XXXX . Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed. They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date. They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.
08/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29406	Web
the incident is that Covid came and i loss 60 % of my income and email Conns and advised them of that but i didnt have no luck. i was told i in the i already ask for extension on my payment which it was paid but i dont remember making those arrangement but i ask for options for folks who lost their job or reduce income that cant make their payment. i was adv no options was available. i stop receiving alerts of payment and didnt receiving any calls. so i reach out to them today about options and all they wanted to know when and how much i was paying. this has already impacted my credit but im months behind and was told there still no options just to pay it before it charge off. i need help this is my second account i had this them and i would be current if i didnt had a loss of income.
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX XXXXX	Web
I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they cannot remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT....I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38128	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/23/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76021	Web
Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.
02/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77407	Web
Conn 's Credit is engaged in illegal practices to collect on an alleged debt. I sent them a debt validation letter over two weeks ago and have received no response. I entered into a consumer credit transaction with Conn 's Credit which included a finance charge. The finance charge is defined under 15 USC 1605 ( a ) of the Truth in Lending Act as the the sum of all charges in a consumer credit transaction. Conn 's credit is in violations my rights as a federally protected consumer. Furthermore, they keep attempting to collect on a debt which I do not owe and which was paid for by my open-end credit plan ( SSN ) pursuant to 15 USC 1602 ( j ). As a federally protected consumer I can and enforce for monetary damages if Conn 's Credit doesn't take all the action stipulated below.
10/07/2020	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	TX 77581	Web
Hi, My name is XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
05/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 231XX	Web	Servicemember
I am receiving 10 to 15 calls a day from Conns XXXX XXXX calling from XXXX ( XXXX ) XXXX They call every single hour while I am trying to work. Even if it goes to voicemail they call again and again. Phone calls are documented and conversations are recorded. Customer service representatives refuse to answer questions about their limitations regarding the number of calls their agents or the automated system is allowed to place. They claim and threaten to call as many times in a day/week as they want until you answer and tell them when you will pay. According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day.
07/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 809XX	Web	Servicemember
Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.
07/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85044	Web
For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.
12/15/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 27284	Web	Older American, Servicemember
XX/XX/2015 I PURCHASED XXXX PIECES OF GRAIN LEATHER FURNITURE FROM CONN'S APPLIANCES dba CONN'S WHICH WAS DELIVERED XX/XX/2015 BUT IT WAS BLENDED LEATHER AND ALSO I WAS BILLED $XXXX FOR PERSONAL PROPERTY INSURANCE IN THE INSTALLMENT CONTRACT. I GAVE TO CONN'S COPIES OF MY HOMEOWNER INSURANCE POLICY DECLARATION PAGE PROVIDING $XXXX PERSONAL PROPERTY COVERAGE. I CONTACTED CONN'S AND INFORMED THEM OF THE DIFFERENCE IN THE FURNITURE QUALITY AND WAS TOLD BY THEM THERE ARE NO RETURNS OR EXCHANGES. THERE ARE NO STATEMENTS IN THEIR CONTRACT, SALES FLYERS, STORE FRONT OR WEB SITE TO THIS EFFECT. THEY ARE USING THE OLD "BAIT AND SWITCH" SCAM TO STEAL $XXXX FOR INFERIOR FURNITURE. THE ITEM HAD A SALES TAG ATTACHED DECLARING GRAIN LEATHER THAT WAS SWITCHED BY CONN'S TO BLENDED LEATHER
02/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28269	Web
This account was paid off and in good standing. All of a sudden I started receiving collection letters for {$77.00}. I contacted the company several times and was told the company was generating letters by mistake. They apologized. Several months have gone by. I attempted to call and speak to manager again the week of XX/XX/XXXX. The number called was XXXX XXXX XXXX. Stated on the letter. Someone answered and I could hear a child in the background. I called the local furniture store where I purchased my item at XXXX XXXX XXXX. I was told the manager was too busy to talk to me even though I think a scam was going on in their company. This account was paid off a year ago. It's not even showing on my credit report. It was supposed to closed. I requested for it to be closed.
11/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.
12/07/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75243	Web
Starting from XXXX XXXX 2021 and still ongoing most recently on XX/XX/XXXX, when i sent in a dispute through a credit agency, since then Conns has consistently called me during my work hours after asking them not to since I work on the phone from home, still, they call at least 7 times a day during the workweek, they have verbally degraded me about not paying bills after I explain to read the notes on the account, they get even more aggressive. yelling at me. I advise I can only what is past due when income taxes come around and they said i owe late fees and transactions fee and additional {$1200.00} but when i asked for the contract to verify i was told you don't need that, i am telling you what it say ''. There are causing me so much credit harm and stress. please help
11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78249	Web
I was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.
08/26/2019	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	LA 705XX	Web
I've disputed 2 closed Conns collection efforts which were passed on to XXXX XXXX while asking for validation/verification of the debt 3 times. These were removed from my credit reports from the 3 major companies after being unable to validate / verify the tradeline, and then illegally reinserted as new ( according to XXXXXXXX ). The two tradelines are from XX/XX/XXXX and XX/XX/XXXX. Both accounts show closed. Both were removed and then reinserted illegally without informing me as to why. The 30 days have passed twice. According to the laws I can find - Conns has 30 days to validate / verify the debt in writing upon my reasonable request ( I've requested at least 3 times now ) with zero reply. The required time has passed. Please remove these from my credit report.
07/20/2019	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	TX 77449	Web
I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! I would like to receive monthly statements or the payment coupons they promised me.
11/25/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 741XX	Web
Conns Home Plus collections calls my wife and I everyday twice daily or more on Sundays and Saturdays and Holidays.I have requested of them not call my home because of my wife is sickly and not call while I am at work. I asked them to call me after XXXX. I have explained to them that I am only two weeks past due and please stop harassing us I told them how my Job shut down for two week and I had to file Unemployment for those weeks. and my job called us back to work but that I will be behind. Even when I give them a day that I will make arrangement the pay.They still call and ask for my Credit card number or Post dated check. This Company refuses to give me an address or email to file a compliant.This company is the most unreasonable company I have ever dealt with.
01/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78729	Web	Servicemember
Hello : I have made repeated complaints against CONN 's Appliance in the amount of {$4100.00}. I made contact with them on XXXX different occasions regarding furniture that was not working properly and needed repairs.While at Conn 's initially they promised me that they would take care of the repairs at no charge to me in the event of things not working properly. The bed that I purchased was not assembled with all necessary bolts and weakened over time. I contacted them repeatedly and they said that there was nothing they could do because they didn't have the right equipment to service. I explained that it was unfair and unethical to promise repairs and then not do them and still expect me to pay for it. I asked them to come and pick up the bed and they refused.
10/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77382	Web
My husband was the victim of an identity theft on XXXX XX/XX/XXXX in Texas with Conns Appliances. This incident was reported to Conns appliances, along with an affidavit and supporting documents. XXXX XXXX ( my husband ) eventually reported it on this website to Consumer Finance as Conns Appliances were not taking any corrective action. Conns Applinaces Fraud department issued a statemnet syaing this matter was closed on XXXX XX/XX/XXXX. Today ( XXXX XX/XX/XXXX ) Conns Appliances Collection department is now calling me to collect on this debt. I have attempted to explain the situation to the collection dept on several occasions but the calls continue despite my best efforts. The original complaint ID is XXXX submitted on XX/XX/XXXX to Consumer Finance .gov
06/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85143	Web
I paid this account off BEFORE due dates each month and they continue to report it late on my credit report violating many FCRA laws. I paid the loan entirely off last month and just received another 30 days late on XX/XX/23 when the loan was PAID IN FULL BEFORE THAT DATE! I have disputed this and nothing changes. Not to mention they have been calling/sending me text messages attempting to collect on a balance that was NOT past due. I requested them to stop contacting me in writing about the remaining ( last ) payment of {$280.00} and it would be paid before the due date and even after requesting them to stop contacting me they continued to do so calling several times at once. I would never purchase anything from this company ever again based on these practices.
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29803	Web
Conns XXXX XXXX is reporting incorrect late payment to all 3 credit agencies. I have always paid my payment before the 30 day mark. The payments were due on the XXXX of each month. My last payment I made on XX/XX/2022 paid the loan off. I have late fees left to pay from where conns charged me late fees from the payments not being paid by their due date. They are now reporting these fees as 30 days late on my credit report. Again, all my monthly payments were paid BEFORE the 30 day mark so I dont understand why they are not reporting late fees to the credit agencies. If I make another payment before XX/XX/2022 towards their late fees then how are they now reporting these fees on my credit? Please advise. I can also send a copy of my contract if need be. Thanks!
04/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77090	Web
Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The late payments were never removed from all XXXX credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.
08/06/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 77090	Web
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
04/10/2018	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	TX 761XX	Web
OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!
06/09/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73160	Web
Conns has been blowing up my phone 4 to 5 times a day monday thru Saturday. Even when I spoke to them and let them know that I lost my job a couple of months ago due to covid-19 and that I literally had no money to pay them they continued to call my phone numerous times a day. They are causing even more stress to an already stressful situation. And every single agent that I told about my financial situation had the nerve to ask me how I was living when I need to buy food and keep a roof over my head. That is none of their business. Then after asking me that they continued to ask can I at least pay something. It's too much. Even when I had a job they called my job 4 to 5 times a day. I also fail to see how I owe XXXX dollar s on furniture that only cost XXXX
09/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28213	Web
On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me
09/27/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 798XX	Web
I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!
04/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70601	Web
I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!
12/03/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77042	Web
1 ). XX/XX/XXXX. The amount owed {$2800.00}. I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
03/25/2018	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	TX 78759	Web
On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit. I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter,
05/18/2023	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 Investigation took more than 30 days	TX 770XX	Web
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
07/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80004	Web	Servicemember
On XX/XX/18 I received 1 call at work and 7 calls to my cell phone. No messages left. I answered at XXXX XXXX and told them to stop calling me and my work. They proceeded to call at XXXX, XXXX, XXXX, XXXX and XXXX. Today, XX/XX/18 they have already called 5 times. It's only XXXX XXXX MST. I called it back and it is Conn 's credit. My payment failed 5 days ago. I made a payment today. They call from different phone numbers and never leave a message. They don't state who they are from when you answer. Immediately start talking to you. I interrupted the man who answered at XXXX yesterday and told him to stop calling. They did call on XX/XX/18 as well but only twice. 16 calls in less than 48 hours is excessive. Plus I get emails and text messages.
12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78130	Web
An account was opened in my name and it shows the account opened with my information but with a different birth year. My ID has been stolen on a few different occasions and it looks like this account was opened without my consent. The account that was opened shows my age at the time that the account was opened as incorrect. There is a phone number on the account that is not mine. The signature on the account when it was opened is signed electronically and it is just scribble and could be signed by anyone. I had a few documents come in the mail from the company but I thought they were just advertisements and didn't even open the documents. I was served with papers saying I was being sued by this company and had no knowledge of the account.
10/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29730	Web
Ive contacted this company several of times attempting to settle this debt owed. On, today XX/XX/XXXX at XXXX I spoke with an agent by the name of XXXX XXXX in which he gave me on a monitored and recorded line, stating that Ill receive a settlement letter sent via email today before my payment is processed on tomorrow XX/XX/30. The only letter that I received was a confirmation letter in regards to the payments set up. Being that Ive been given deceptive information several of times from this company I am requesting this settlement letter to be sent before any payments are taken out of my account and I want this item removed from my credit as the agent who set up my settlement stated. Otherwise I will be forced to seek further action ( s ).
02/13/2019	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	TX 77706	Web
Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.
09/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78108	Web	Servicemember
We purchased a whole kitchen set dishwasher fridge stove and microwave it was all good till they delivered it the sales person text me made sure everything was good on day 1 when the 3rd party that they hired came to install it they installed the microwave and dishwasher incorrectly I text sales person went from How are things going to this is your problem you call them so with bad customer service we purchased a different set pack Conns set up and took it back to them after only a week we left it on the front because of covid we can not go inside he rudely said he would take care of it when he got a chance and since then this company had messed up my credit I worked hard to keep with items they have I want this removed of my credit now
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 773XX	Web
I am filing this complaint against Conn 's Appliances , Inc. I have tried on several occasions to rectify this problem, since paying both of my accounts off with a third party collection company, on XX/XX/XXXX. I have been given the runaround with Conn 's since paying off my accounts in XXXX. I waited the 30 to 45 days that it takes for them to update the credit report. The last time I spoke with a representative on XX/XX/XXXX. I was still given the run around by Conn 's, my credit report still hasn't been updated. I have emails from the collection office XXXX XXXX XXXX XXXX, with proof that put accounts that I had with Conn 's, were paid off in full. I am hoping that with filing this complaint CFPB, can help me get this problem solved.
09/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78573	Web
according to credit bureau account was opened with Company called Conn Appliances inc on XX/XX/2016, highest balance is {$3700.00} charged off as bad debt and loss write off, reported balance now is {$2700.00}, i have contacted conns corporate and back office team that handle accounts, we have been on the phone with them over 4/5 hrs and they have yet to find something in there systems with my name address social etc, they have no record of me owing them money, i have disputed charge multiple times and it comes back as verified and updated. this is not my account i have not done business with them at all, police wont file police report since they dont have my social on file. i want this removed and blocked from my social ending in ****
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28078	Web	Servicemember
I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. XX/XX/2021 - showing 30 days late/past due on all credit reports. Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
Conns is reporting information on my credit report. I have asked for proof of the debt and they have failed to supply such proof. The account itself also has several inconsistencies that cause me to question the account. The high balance is inconsistent across the 3 major credit bureaus. The date of last activity is also inconsistent. If this were my account how can it be possible to have different dates of last activity. This account is reporting as a collection/chargeoff and there is a past due balance listed on the account but no one can provide proof. There are also differences in the date of the last payment made. I have written the company as well as the bureaus, however no efforts have been made to remedy the problem or respond.
08/21/2020	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	TN XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/14/2020	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	TX 75068	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/12/2020	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	TX 78660	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28208	Web
In 2018 I discovered an account ( CONNS APPLIANCES INC ) on my credit report that does not belong to me. I have never resided at the address listed to this account nor have I ever made any payments on this account. Any debit or credit card information utilized to make any payments on this account has to be by the person who victimize me. I have tried several times on many different occasions ( approximately 10 ) to dispute this matter and every time they report back and say that the information is accurate when it is indeed false. I have also filed an identity theft complaint with Federal Trade Commission. I need this nightmare to be over it has been years and I refuse to let this person get away with this and I just want my life back
06/23/2022	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 Their investigation did not fix an error on your report	TX 75080	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80602	Web
On XX/XX/XXXX, a letter was sent to Conns regarding a 30-day late payment that they reported on my report for XXXX XXXX. This account was in good standing prior and is current today. I had called the customer service to let them know due to the covid pandemic, our household income was affected. They assured me as long as the payment was made current I would not be reported late. I still have received zero response from them, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current.
03/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
Conns is reporting a charged off account on my reports that I have been disputing for a while now. I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77071	Web
Conn 's is reporting a closed account as open and 90 days past due when the loan has been closed since XX/XX/2018. I am disputing these past due reporting on my credit reports due to miscommunication with their reps in the store. After Hurricane Harvey I called over the phone to file an insurance claim and was told I had coverage and needed to visit a store. When I arrived at the store, I was told I didn't have insurance when in fact I did. The furniture was a total loss after the storm and I was a victim of a natural disaster. They later stated I did have insurance and paid the remainder of the loan with the insurance. I should not be responsible for late payments or past due reporting on my credit due to misinformed store personnel
07/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 793XX	Web
I made a payment on my Conns account XXXX XXXX, 2016. They applied it to the wrong account. The missed a number in the account number. I have sent the receipt to them several times, I have talked to them on the phone regarding this payment about 50 times now. They still do n't have it fixed. They have added several late fees on my account. I had a cash option til XXXX/XXXX/16 which has been taken off due to late payment. They have put it on my credit that I have a missed payment. I have made all my payments on time and every time that I talk to them they issue a problem ticket to the department to fix this. No one that I talk to can fix this and they wont let talk to them. I need this to be fixed and I do n't know what else I can do.
06/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 801XX	Web
I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.
06/08/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73107	Web
I HAVE REC EIVED 15 CA LLS SINCE MONDA Y ( XX/XX/17 ) FR OM CONN 'S THEY ARE CALLING FROM XXXX THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME XXXX A DVISED THAT I AM NOT XXXX AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE MADE 15 CALLS TO ME SINCE MOND AY ( XX/XX/17 ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
05/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NM 875XX	Web
I currently have an open account with Conn 's furniture. My payments are due on the XXXX of each month and when I do n't make my payment on that day, calls start coming in starting at XXXX to XXXX every hour on my cell phone and my home phone which is very annoying. I try explaining to them when I will be making my payment which usually has to coincide with my paydays but never accepting any explanation only if I provide a post dated check with them which I 'm very uncomfortable in doing. I have contacted the XXXX in the past but they just told me attempt was made but no response from the company. What can I do to stop the harassment and I pay my bill every month with just that I ca n't always make on that day sometimes.
08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75237	Web
On XXXX XXXX I signed up with an agent of Conns home plus for a settlement of my account in the amount of {$2700.00}. First payment was XXXX XXXX of {$900.00}. Then a monthly payment of XXXX was due from XX/XX/XXXX until XX/XX/2021. The every month conn report to the credit bureau that I owe a higher balance of XXXX and decrease it by a XXXX XXXX dollars. I disputed the balance online and they never updated but never updated to the correct balance. I called and talked to a representative who couldnt tell me anything. How, why, or who I would have to talk to directly to get it fixed. Ive been making on time payments since Ive agreed to the loan terms of the settlement and want to get it fixed. This was a last resort.
04/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76179	Web
I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.
10/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85029	Web
On the date of these purchases that wiped out my available credit line. I did not set foot in conns furniture and make these purchases maxing out my credit line. A woman named XXXX posed as me because she had stolen both my identification card and my social security card and went into the conns on XXXX in az on the date I was in jail. Also the employee at conns furniture allowed someone else to make purchases on my account. These are not my purchases. I would never of maxed out my credit line out of the blue on these items. They have cameras please check the cameras on this date. I want this looked further into. I had also made a police report a week or so afterwards. Its been a few years dont recall exact date.
09/17/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 751XX	Web
On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up
10/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78253	Web	Servicemember
Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/10/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 388XX	Web
Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times
04/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78586	Web
I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.
04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77382	Web
On the XX/XX/XXXX a fraudulent account was open at Conns XXXX in XXXX Texas using my stolen identity. On the XXXX of XX/XX/XXXX, I reported this fraud to Conns Fraud department. I was contacted by Conns Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. On the XX/XX/XXXX I once notified Conns XXXX and again requested this delinquent account be removed. I also wrote a letter to XXXX XXXX supplying both an affidavit, email correspondence from Conns XXXX to substantiate my claim. XXXX has not investigated my dispute. Conn XXXX has not notified XXXX of the fraud. XXXX sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.
02/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77530	Web
I have an account with Conns, and have never been late with my payments on my account. I was due for my payment on the XXXX of XXXX and they have constantly been calling and calling more than XXXX per day. I have tried to work out something with them, however they stated that they will continue to call as they want to set up and reserve the payment with XXXX of my cards on file. I did advise them that if they continue the repeated calls, I would escalate and they did state that its due to that XXXX payment pending. Please advise what can be done in my situation. I do plan to make the past due payment on Friday, I am aware and looking to just close this account out as soon as possible to avoid any other fees.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$4000.00} XXXX/XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} Conn Appliances XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
10/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71111	Web	Servicemember
I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.
01/28/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89139	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38017	Web
Conns is erroneously reporting my account to the credit bureaus. Conns is reporting the account as written off, which is absolutely incorrect. There was no amount written off. The account was paid in full. I spoke with Conns about the incorrect reporting in XXXX of XXXX, and was told it would be corrected, but Conns has not corrected the account reporting. Conns has been notified the information they are reporting is incorrect, and Conns has acknowledged they are reporting incorrect information. Yet, Conns has chosen, for over a year, to continue reporting the account incorrectly. Conns has had ample time to correct the reporting. Conns is knowingly reporting my account incorrectly to the credit bureaus.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CONNS XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/22/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 760XX	Web
I purchased several items from Conns and after one week one of th items broke and wanted to return all items due to the poor quality. I had to come in an pay a restocking fee of XXXX to pick up all items. I tried to contact CS and ask them to waive the fee and they refused and also indicated that they do not have a corporate office. The agent continued to tell me what he could n't do as this was very frustrating and overwhelming. Additionally when arriving at the store location I was told I would only need to pay XXXX for a restock by store agent XXXX and now I am told by tje woman store XXXX that I would need to pay restock plus deliver which is a total of XXXX items + XXXX delivery charge total of XXXX
08/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 770XX	Web
Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.
08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78251	Web
My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.
07/20/2020	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	LA 70815	Web
I have contact Conn 's, XXXX and XXXX concerning incorrect payment history reporting by Conn 's to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from Conn 's or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of Conn 's and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.
10/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89102	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
03/05/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT
09/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76033	Web
I received a call from Conns on XX/XX/2022 attempting to collect payment on my account, rightfully so. I spoke to a guy named XXXX XXXX set up payment arrangements with so that my account could be paid on XX/XX/2022. After I set this arrangement he tried to get me to pay half sooner, I declined, he then stated that I would get late fees, I let him know I understood. Lastly, I asked if the calls would stop since I made arrangements. XXXX then told me that they would report my account as a way to deceive me into making a payment sooner. I never asked anything about credit reporting. I am making this report as I feel that these deceptive practices may be happening not only to me, but to other customers.
09/02/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 36116	Web
Conn 's store called started calling my phone on XX/XX/2023 at XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Conn 's called again on XX/XX/2023 at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. The last call at XXXX I spoke with rep XXXX . He verified his info and what he was calling for and stated that call was being recorded. He then proceeded to say that he's calling to collect a debt. My payment for my furniture bill at the time was only six days past due. I asked XXXX why did Conn 's called me seven times in one day on XX/XX/2023 and six days on XX/XX/2023. He replied saying that they are trying to collect a debt. I explained to him that's harassment and I will be making a complaint. He replied umm hmm.
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	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89142	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
11/21/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 71203	Web
When i first got this account i made it know to NEVER call my place of employment. An issue with their payment system during a flood delayed payments from posting. They called all day every day on my personal line until their system updated. This month I was actually in deed late and Today XX/XX/XXXX instead of being contacted on my personal line they called my place of employment which caused disciplinary action bc we are not supposed to get personal calls at work. No attempt was made to contact my personal line. No voicemails from conns on my personal line and when i called their payment center i was told that they didnt have my personal line. So somebody took it upon themselves to remove it.
01/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79928	Web
IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP
07/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78245	Web
On XXXX XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.
12/19/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85142	Web
Conns after payment $XXXX is a day late they make excessive phone calls through out the day hour after hour dqily starting at XXXX to almost XXXX. I have stated that the payment will be late and as long as its not 30 days past due the phone calls need to cease. My request has been ignored so numbers just continue to get blocked as this disrupts my entire day. Here is the copy of my request: As of today I want all phone calls to cease. It is considered harassment the hourly call I receive from this business over a payment that is not even 30 days old. If you do not comply I will be forced to file a complaint with the CFBP. Further communication will be done thru email only. (sent XX/XX/17)
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79934	Web
Conns Appliances Inc, has been sending Bills and payment request to My home .I have no Knowledge of this Acct # XXXX. I have asked several times to provide me with any documentation to show proof of Debt and monies owed or ownership of account # XXXX. I continue to receive Letters and Brochures to My home address asking for New Credit and to come Shop with Conns easy financing and terms. I believe their efforts to secure Business has landed a fraudulent account in My namesake, Due to the Quote " easy terms and credit Approval ''. This has made it simple for a Store employee to make an account in My Namesake and obtain Credit and damage my Good Credit Standing or Fair reporting against myself.
03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web	Servicemember
A check to pay my Conn 's XXXX XXXX account was mailed on XX/XX/2020. They received a check in the amount of {$670.00} and it was deposited to their account with XXXX XXXX. It was deposited on XX/XX/XXXX and the account number was written on the check. I have called Conn 's 21x since XX/XX/XXXX because they kept claiming they never received it. I placed a trouble ticket and after my 15th call someone finally escalated the issue. I uploaded the check to prove that Conn 's cashed it. I have been calling every other day and the only response I receive is that they are working on it. Meanwhile, the interest keeps accruing. The check was mailed to the address listed on their website in XXXX, TX.
03/07/2019	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	NM 87105	Web
I received a pre approval letter in the mail. I went to conns.com/activate to activate this offer. If you go to that url you can see it clearly states that it will have no impact to credit score and on the second page the form said no hard credit pull would occur. I completed and submitted that form and it gave me a message that said they could not approve me without a hard pull and gave me a button to click as well as a phone number to call to authorize a hard pull. I did not click on that and closed my web browser. However about two hours after this Conn 's performed a hard pull on my credit without my authorization. It appears someone at a store pulled my credit without my authorization.
04/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85023	Web
Someone, unknown to me, purchased from Conn 's Home Plus. In the process of their purchase, my cell phone number was given or was entered incorrectly in Conn 's system. I have verified with Conn 's customer service that the account in question is not in my name nor did I cosign for it. Conn 's turned the account ( with my cell phone number ) to collection via XXXX XXXX XXXX XXXX XXXX XXXX XXXX has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have XXXX stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to Conn 's Plus nor XXXX. ( 2 ) I have requested them to stop contacting me. This has not occurred.
04/06/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77459	Web
The collection 's department at Conn 's Corporate office changed my mailing address on my account on XX/XX/21 erroneously and falsely ( I was told by Conn 's customer service that a skip tracing technique was used to find the erroneous and false address ). The erroneous address was reported on my credit report on XX/XX/21. Because of this erroneous and false information reported on my credit report, my application for a loan was held up and maybe even hindered. The representative ID # XXXX in the collection 's department at Conn 's Corporate office eluded to having the authority or rights to change/update my address without verification from me anytime Conn 's wants to change my address.
02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
02/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78247	Web
I purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.
03/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$320.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX individually and have not received any reply back
07/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75048	Web
I ordered a game system from CONNS and paid using my XXXX account which is tied to my XXXX account. The system never shipped so i had to open a dispute. the company Conns never responded to my inquiry so i open the dispute with XXXX. Months later finally everyone responded and i thought everything was good. now Conns has issues a request for XXXX from XXXX which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77521	Web
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. XXXX XXXX XXXX- Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
05/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$7300.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 7 years and it has been hurting me and credit the entire time.
03/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75087	Web
For the past 2 years you have been reporting me late to the credit bureaus and continuing to damage my credit. As we discussed on multiple occasions, I was set up on auto pay when we opened the loan and for some unknown reason, the auto payments stopped happening. Once we fixed this, you told me you would be removing all the late payments from the credit reporting since it was your fault. You have never done so. Further, each time I speak with someone they say that this was your fault and that they would remove all the late payments from the credit reporting. This is really damaging my credit and keeping me from qualifying for a home mortgage for my XXXX kids. I need this fixed.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76710	Web
I did an Voluntary Return of Merchandise to CONN 's on XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90068	Web
Im have not applied, nor signed or authorized or opened any Conns Account. I have disputed this fraudulent account # XXXX with Conns via mail and have not heard any feedback from Conns. I have asked Conns for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. Conns did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. Conns continues to report this fraudulent account on my credit report.
07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85140	Web
Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77573	Web
An account with Preffered Lease was opened in my name XXXX XXXX with a monthly installment of {$230.00} when I purchased a {$3500.00} dollar refridgerator from a company called Conns. After making 2 payments, and recieving a damaged company, after having complained to the company many times asking for replacement, it was finally decided that we would cancel out all ACH payments and they would pick up the product, cancelling out my lease agreement with them. This should have satisfied my agreement and i am now seeing it as a negative mark on my credit report with a total amount due in the {$8000.00} range! This is fraudulent. Can you please look into this for me. Thank you.
08/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 754XX	Web
Conns appliance took advantage of me by offering and advertising to 0 % interest for 12mts they offered a certain credit limit i only took part of it to later find unwanted and requested extented warranty coverage charge as well as insurance.. when I call and canceled these added my own insurance bringing my account balance down then hit me a late charge and cancel my 0 % and charged me interest for my account since the beginning they say this was stated in my contracted but my cintract was not gone over at the location this was never metioned to me or i would have never open the account these type of XXXX loans should be illegal in the US i would this to be investigated
07/12/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	LA 70461	Web
On XX/XX/XXXX I made 2 payments to my Conn 's store pluse accounts. The first payment was for {$130.00} and the second payment was for {$210.00}. Conn 's debted both payments from my checking account on XX/XX/XXXX. On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Conn 's called me repeatedly stating my payment of {$210.00} was not received. I called Conn 's on XX/XX/XXXX to inquire why they didn't credit my account and they stated that both payments were posted to the same account in error and the payment of {$210.00} would have to be move to the correct account. As of XX/XX/XXXX they still haven't moved the money to the correct account and are still reporting my payment as late.
11/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78237	Web
The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77449	Web
In XXXX of 2022 ( call recorded ), I contacted Conns Inc. to inquire about how they were reporting information on my credit report. Specifically, I asked Conns if they would report the alleged debt they said I owed a collections agency if a payment was not made, and the collections agency said that they would. After speaking to an attorney, he advised that because this account was included in bankruptcy they violated the injunction placed on the debt at the time of bankruptcy, and therefore violated federal law. He encouraged me to submit a CFPB complaint and is ready to take further action in the event that the demands made in this complaint are not satisfied.
01/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75287	Web
I dispute XXXX accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.
12/20/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78418	Web
While the harassing volume of calls is a problem ( 4 in a 5 hour period ) is a problem, I spoke with Conn 's Home Plus today @ XXXX regarding a past due payment. I advised that they could use the card on file to process payment on Friday, XXXX XX/XX/2021 for {$250.00}. After I got off the phone, I received an email notification that they processed the amount today the XXXX of XXXX. This, I believe, is a Violation of FTC Statute 1692.808 subsection ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. I would like to file a formal complaint against Conn 's Home Plus.
11/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77657	Web
I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.
07/24/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76112	Web	Servicemember
It started in XXXX last year, I have been disputing with them since last year. I recieved one letter from them stating I need to provide full account information.. Never recieved anything else from them, I have sent a total of 4 letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The letter in XXXX was returned back to me for some reason.. Also they have been changing the amounts from XXXX to XXXX back down to XXXX in XXXX XXXX, XXXX which is against the law, I am requesting deletion for never verifying or validating the debt I owe and for not responding within 30 days of letter sent. Also for changing the amounts witht the credit bureaus thanks in advance.
01/21/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28278	Web
I received a letter from a company called XXXX who is collecting on behalf of Conn 's Furniture. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
02/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75040	Web
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23606	Web
I spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.
05/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 77536	Web
We paid our XXXX 's account off early ( Amount : {$1100.00} Date : XX/XX/2020 ) and have asked that they remove the recent 30 day late payment in XXXX, 2020 due to financial hardships but they are not working with us. We were trying to get through these recent hard times and trying to save and purchase our first home but this is affecting my credit so much and I find it extremely heartless that they won't find it in theirs hearts to delete the negative information especially because they've got their money we owed them and paid it off even earlier than expected. Can you please tells us what other options we have or please help us out to get a resolution?
12/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77388	Web
When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.
01/26/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80011	Web
Whenever I'm late on my payment which may be one to two weeks. XXXX 's home plus has employees call four to five times a day seven days a week. Even after speaking to someone about my account and when I will be in to pay. XXXX 's home plus repeatedly has employees call four to five times a day seven days a week I have all the calls documented. A lot of the calls they will sit on my voicemail breathing coughing after a voicemail message has already played for them to leave a message and they don't. Right now is a very stressful time. Due to covid-19. And unemployment insurance not paying out in a timely manner. This is harassment beyond mental distress.
02/11/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28079	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/11/2020	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	TX 77489	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/10/2020	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	TX 75181	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77082	Web
I settled account with Conns Appliances in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX XXXX XXXXXXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the Conns Appliance is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted Conns Appliances ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that Conns is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
12/10/2021	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	TX 76112	Web
I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.
11/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77301	Web
I lost my job at the beginning of this month. My bill with Conn 's was due on the XXXX. I do n't have the money. I 've received XXXX phone calls this week. XXXX of them TODAY. I have spoken to XXXX different people in total. I made them aware last week that I could not pay and can not make payment arrangements as I have no guaranteed income at this time. Today I was informed they will continue to call me until I pay them. That there is no limit to how many times a day they can and will call me. This is pure harassment. All this is doing is making an already stressful situation worse and keeping my phone tied up while I 'm trying to look for work.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77433	Web
Conns Credit account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX toXX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.
01/31/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	TX 78213	Web	Servicemember
I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77065	Web
My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in XXXX 2016 . Starting in XXXX 2016 I made two payments a month of {$200.00} and {$240.00}. The last payment was XXXX XXXX where I paid {$650.00} the confirmation # XXXX . I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since XXXX 2016 . The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full. No one seems to know what is happening.
04/07/2021	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	KY 42101	Web
On XX/XX/2021 I reached out to Conns XXXX XXXX about resolving a delinquent bill. They transferred me to another department. When I got to said department I was promised that when I paid the balance in full ... no settlement that they would remove the account in its entirety from my credit report. I paid the balance immediately with this guarantee. I paid the entire amount due of XXXX on my XXXX card. I got notification today from my credit report that they in fact did not remove it in its entirety but only updated the account. I have called Conns Several times today and rude rep after rude rep has been no help in getting this issue resolved
06/20/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70122	Web
Everyday i receive multiple calls about an account that is in dispute due violation of the FCRA regulations and compliance Conns apps calls my personal and cell and landline phone everyday at least XXXX time ever hour until almost XXXX at least 6 days out of the week i have asked them to Cease and desist on multiple occasions and they have not which is has now caused a negative impact on my job I have asked them on countless times to cease and desist all communication and they continue to Call personal phone my work cell my work phone Email and other members of my family and they call from multiple numbers this is pure harassment tactics
10/29/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85120	Web	Older American
Conns XXXX XXXX frequently calls my husband at XXXX, however, the phone line belongs to me. I have repeatedly told them that XXXX is in XXXX and to stop calling. They call everyday 5-6 times. They could do an online search and verify hes an XXXX at XXXX XXXX XXXX. Im getting harassed by their constant daily calls. They have called from XXXX, XXXX, XXXX, XXXX and XXXX. Every time I block a number they call from a new one. Im already stressed with the fact he was arrested and being held on {$50000.00} XXXX. I dont need frequent collection calls for a debt I am not responsible for. We divorced in XX/XX/2020. They need to stop harassing me.
07/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75219	Web	Servicemember
These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past. XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report. XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX
09/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NV 89123	Web	Servicemember
I purchased 'FurnitureGard Comprehensive Plan '' to cover a sofa and love seat I brought from Conn XXXX XXXX XXXX Appliance. I was told that'everything '' was covered. I have submitted a claim twice and been told that they will not fix the issue ( stuffing coming through the fabric ). I requested arbitration and have been ignored by the company twice. The contract states that I must simply request arbitration. When I called the clerk stated that I must begin the arbitration, which I can not do without an attorney and it is not what the contract states. I am requesting help getting the company to start arbitration as the contract states.
07/27/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 787XX	Web	Older American
Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.
06/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web	Older American, Servicemember
I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls
02/26/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75904	Web
I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.
02/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29501	Web
On Tuesday XXXX I talked to a representative with Conn 's and informed them that I was going to be paying the bill on Friday XXXX and asked them to please stop calling me or at least lower the amount that they call me. They increased the amount of times that they called me to 4 phone calls and 2 text messages every three hours. This is unheard of and uncalled for. When I called and asked them to please stop calling me, the rep hung up on me and I received another call within a hour. I am now having to turn off my phone because of Conn 's. I am within my grace period and have made a promise to pay. There is no reason for this abuse!
07/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This is regarding CONN CREDIT CORP Account No. XXXX listed in my Credit File with XXXX. XXXX XXXX XXXX is attempting to collect a debt on merchandise ( Electrolux Washer & Dryer ) returned next day after delivery. Therefore, this debt should have been cancelled null & voided. I have sent numerous certified letters to dispute this debt that came into light some six years later! XXXX XXXX XXXX delivered the said W/D that was on the Showroom Floor, not as a brand new " still in the box '' merchandise and then tried to commit fraud because the said merchandise was discontinued by Conn 's and was no longer carried into its ' inventory!
05/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79705	Web
This creditor is attempting to illegally reage this account. Last payment shows made XX/XX/XXXX, this false. One Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. Second Account Shows past due amount of {$1600.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. Third Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. All of this information is false. No 2yr payment history is reported on XXXX so how was this account legally verifed as accurate?
03/13/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76112	Web
XX/XX/2019 I received 4 phone calls from Conns electronics and a text message ( XXXX ). The phone called were at XXXX, XXXX, XXXX, XXXX. They ask for my sister and I told them that this is her sister number. Then that I will pay the balance today but after they kept calling my work number I got irritated and called them to tell them to stop harassing me and that I am not my sister. I feel as though they are harassing me because of the number of times they have contacted me on my work number, Ive told them to stop contacting me and they still contact me and they are still contacting me after I told them that I am not my sister
01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77545	Web
I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. I am still paying on the account and are not reflecting those payments. The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.
09/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 73130	Web	Older American, Servicemember
. I have two loans with Conns XXXX XXXX. From XXXX of XXXX until XXXX of XXXX. Conns withdrew 3 payments from my accounts each month for the two loans. When i confronted them about it in XXXX ofXXXX I was told it would be corrected. From XXXX of XXXX until today ( XX/XX/XXXX ) they have refused to provide me with the requested records that show an adjustment has been made. I have spoken with their agents on 9 occasions and I have mailed them a certified letter requesting the information. The Balances on the Loans show no adjustment. I can't understand why they refuse to provide me the customer with my account information.
01/02/2021	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	TX 760XX	Web	Servicemember
conns appliance is reporting late payments for XXXX2020 and XXXXXXXX in the amount of {$140.00} for each month i sent conns copies of my bank statement several times and called a dozen times.they pass me to different departments, put me on hold for long periods of time.so i sent copies by mail to each credit bureau they say the information is accurate.how can it be accurate if i sent bank statements showing the money taken out for my payments.also conns shows on my account page im paid one month in advance so how can i be late and paid in advance that makes no since.i am attaching bank statements proving im not late.
11/26/2019	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	NC 27407	Web	Servicemember
The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.
08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AZ 85718	Web
I hand delivered a cease and desist letter to Conn 's XXXX XXXX, XXXX, AZ and the manager accepted it. I have filed a complaint with the Arizona Atty General in regards to deceptive sales practices and this C & D letter was to inform them that I was disputing the contract and would not be paying it. I demanded them to cease collection calls. Since receiving that letter, I have received XXXX harassing phone calls from their collections department. When I informed them of the C & D letter, they acknowledged they had received it. Today, XXXX/XXXX/2016, I have received XXXX harassing phone calls from them while at work.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28147	Web	Older American
Conn 's XXXX XXXX refuses to remove my XXXX balance, closed account which they have verified as such. I did not receive any goods from them, order was canceled and goods verified as returned to wear house. They were never delivered. I have spoken with XXXX people since XXXX, all of which confirm this but I continue receiving bills and harassing calls, and it is on my credit report. Every call concludes with them telling me to call back in XXXX weeks to check on status. The most recent date of contact was XX/XX/23, I was transfered XXXX times. Number contacted XXXX, person # XXXX was XXXX in late stage collections.
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75069	Web
Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77407	Web
I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.
05/04/2017	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	TX 75063	Web
I have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called XXXX and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law XXXX should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit XXXX under XXXX and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
10/03/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39350	Web	Servicemember
For the last 6 days starting on XXXX XXXX they called 6 times, XX/XX/XXXX XXXX, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 5 times demanding payment on furniture account. We have repeatedly asked them to quit calling us so many times a day. Told them that what they are doing is harassment and intimidation. They keep asking when we can pay and I keep repeating when I have the money even though It never goes a month overdue. The payment is due the XXXX of the month and if not paid by then the harassing phone calls start. Most if not all the calls are from foreign call center mainly XXXX.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 767XX	Web
I purchased a dryer from Conns XXXX XXXX in XXXX Texas on XX/XX/2023. I have had issues with them from the beginning starting with the installation. The installation was done improperly. I reach out to them to fix the problem but the never would send anyone out to correct the issue. On about XX/XX/XXXX I returned the dryer back to them because the would not fix the problem. XXXX months later they said that they have no record of me returning the dryer. They will not fix the problem and now have reported late payment on credit report which has damaged my credit rating. I need some help in resolving this issue
08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 76240	Web
I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.
03/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77433	Web
I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.
08/19/2020	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	TN 38017	Web
This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.
02/19/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web	Older American, Servicemember
Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.
08/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28086	Web
I have an account with Conn 's Home appliances. I am exactly 7 days late on my payment due to my mother being XXXX XXXX and in the hospital. My husband has also had health problems in the last week and has not been able to work. I get a XXXX check but it hasn't gotten here yet. These people called me 32 times on XX/XX/2019 and so far, 10 times this morning on XX/XX/2019. I spoke with someone on XX/XX/2019 who supposedly noted in the computer that I would be making my payment on XX/XX/2019. When they call it comes from a private number, XXXX NC or from some man who lives in XXXX NC. It never shows up Conn 's.
10/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 762XX	Web
This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.
03/10/2019	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	LA XXXXX	Web
Conn 's calls and text messages you if you are late with one payment. My payments are due on the XXXX and if I do not pay exactly on the XXXX of the month I receive robo calls from different numbers all day until XXXX from Conn 's for a payment that is only due one day late. The calls are repeated even if you make a payment arrangement with them to pay the account. They harass you until the account is paid. I do not get paid until the XXXX of the month and I am annoyed and phone battery dies because of their repeat calls even if I make a payment arrangement. I heard on the news that this is against the law.
05/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37923	Web
Conn 's HomePlus is constantly harassing me over a debt that is not even excessively late. My payment is approximately 17 days late. My fiance has been critically ill in a XXXX in the past XXXX days and was in the XXXX a total of 25 days. This understandably so has put me in a bind. I have repeatedly expressed to Conns that I will pay them as soon as possible but they continue to call from a different phone number every day at least a DOZEN times per day. I am a long time customer and the harassment is absolutely ridiculous. It is getting in the way of a already very stressful time and is beyond excessive!
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 77053	Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75034	Web
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.
01/05/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 76543	Web	Servicemember
I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 751XX	Web	Servicemember
Conns home plus I owed Conns {$3300.00}. They offered a XXXX tax settlement offer for {$2200.00}. I paid this settlement offer on XX/XX/XXXX. Since paying this, Conns has reported to the credit bureaus as Balance increased, Derogatory, and now a charge off. Conns has even sent me a letter stating it was paid off. I have called Conns several times advising the situation and each time, they say it will take 30-45 days for it to correct itself. It has been well over 45 days and Conns reported my account as being charged off on XX/XX/XXXX when in fact this was paid off and in good standing since XX/XX/XXXX.
12/12/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79761	Web
On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.
02/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77033	Web	Older American, Servicemember
I applied for credit at CONN 'S XXXX in XXXX 2015 My Name is XXXX XXXX XXXX, They put the credit in my former name XXXX XXXX, credit I had with them 15 years ago and paid it off. I have new credit with them and they are harassing me calling more 10 times a day because of late payment due on the XXXX of each month I am only 3 days late, they call before due date and after saying friendly reminder, I am a XXXX XXXX XXXX woman and this raises my XXXX, I told them that I will pay my bill on the days that I get my money, they still call like crazy XXXX. all day.What can I do to stop from calling me everyday
08/11/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91950	Web
XXXX - Sent company a letter about them reporting negative debt on my credit reports, and told them that the debt did not believe to me. Sent them a copy of my Driver License with my signature. XXXX - Company responded with paperwork of a signature that was not mines. XXXX - sent company a second letter with a copy again of my drivers license and they told me i needed to file a complaint with the police department before they could remove the debt off my credit report. They did not provide me a copy of my driver license all they provided was a signed contract in which does not have my signature on it.
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76051	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76112	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
09/17/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79934	Web	Servicemember
Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 750XX	Web
In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.
07/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28262	Web
Yes I Purchased furniture from Conns in 2015.. When I made the purchase my limit was XXXX. I did use the line but now the line is showing on my credit report 2 x one for XXXX and one for XXXX. I could n't even purchase that much. I have made several attempts to dispute and I even informed the collector I would not make any payments until the XXXX $ was removed. I will accept the higher one. They also called me back into the store that same week to resign paper work which I thought was weird because they say the signatures did not match. How is that? this is crazy to me and it is going on 2 years now
12/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NM 87114	Web
My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29715	Web
In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )
07/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89103	Web	Older American, Servicemember
This started back XX/XX/2021. Tried to keep payments up. Asked to refinance. They stated they have sent it, no no they didn't. By email or mail. Then finally received paperwork XXXX in mail, sent back to an address which wasn't any good. XXXX XXXX XXXX XXXX, Tx XXXX. In the mean time sent payments is XXXX??. Stop sending payments in XXXX and XXXX. Will keep payments in a savings account until. They comply with a reasonable refinance. Now, refinance is no good because has gone. I am at my ends with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78108	Web	Servicemember
I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's on XXXX XXXX , XXXX and XXXX XXXX , XXXX to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.
03/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76017	Web
i had bought some appliances from Conn 's in XX/XX/2020 and when I received my payment book the amount was twice what it should have been. When I contacted them I was told that extended warranties and life insurance was added to my account. I contacted them and asked that they remove it and was told to contact their warranty department. I contacted them inXX/XX/2020, told them I wanted it removed and I dint recall asking for the additions. The representative told me it would be removed in a couple days. When I called back on XX/XX/20 I was told it had been removed but, my balance didn't change.
09/20/2017	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	TX 77662	Web
I have tried to fix all hard inquiry it shows i have XXXX i dont know what they are it is hurting my credit. XXXX morgage XXXX XXXX XXXX Classic XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX Central XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional acceptance XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX of the hard i quires i have on credit and have tried to talk to them they all say they cant help i would like them taken of my credit llease ... XXXX XXXX XXXXXXXXXXXX
03/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web	Older American, Servicemember
I had an account with Conn Appliances & explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from XXXX XXXX XXXX ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.
01/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78754	Web
Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.
11/06/2021	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	NC 28273	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the Credit Bureaus response about the written requests I sent regarding CONNS. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
03/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85756	Web
My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.
02/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37160	Web
i learned of a fraudulent account with conns home plus after months of going back and fourth with conns I've gotten no were. conns home plus has called me up to 26 times a day they have degraded me and harassed me. I've been called a loser and a dead beat. I've asked them too please stop calling me but the calls keep coming with no end. I've tried to explain that my mother has used my identity sense i was a child i believe she did this to get things she needed with the intention of paying this account. i did not open this account give permission or had knowledge this account was opened.
04/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 74105	Web
I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX
07/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76016	Web
IN REGARDS TO CONN CREDIT CORP XXXX. XXXX XXXX XXXX TX XXXX I HAVE DISPUTED THIS WITH THE XXXX AND WHICH THEY CONTINUE TO SAY IT IS VERFIED AS ACCURATE WHEN I HAVE PROVIDED PROPER DOCUMENTATION TO BOTH PARTIES THAT I AM A VICTIM OF IDENTITY THEFT AND I HAVE NEVER HAD A CONNS ACCOUNT ARE APPLIED FOR ANYTHING WITH THEM. IF WITH ALL THE DOCUMENTATION THEY ASKED ME TO PROVIDE THEM THE BUREAUS HAVE NOT FOLLOWED THE FAIR CREDIT REPORTING ACT AND REMOVED THE FRAUDULENT ACCOUNT FROM MY CREDIT FILE AFTER IT HAS BEEN PROVEN THAT IT WAS INDEED NOT ME WHO OPENED THE ACCOUNT OR OBTAINED THE GOODS.
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77414	Web	Older American
I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.
02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
Conn 's Home Plus continues to inaccurately report a 30-day late to my credit report, even after agreeing to remove the item with a written letter ( attached - account ending in XXXX ). I have submitted numerous disputes with the 3 major credit reporting agencies and this company has agreed to remove a 30 day late payment in writing, then did not honor it and made numerous proven false statements about the details of my payment. This company continues to harm the consumer. There is a pattern of this behavior and I am asking that the CFPB step in and take action against this company.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71360	Web
CONN APPLIANCES INC Under dispute Date opened XX/XX/2018 Balance {$3500.00} ( This information is incorrect, My home was destroyed due to a tornado that happened XX/XX/2018, Prior to this everything was paid on time, I called Conns Appliance informing them of what happened and that i no longer had the furniture that they wanted me to pay for, They told me to file an insurance claim which i did and heard nothing else regarding the matter. At the time of this disaster where i lost my home i was also in the hospital after giving birth to my son. This has caused major stress in my life
11/02/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78222	Web
I had a washer through conns and purchased a dryer XX/XX/19, the dryer contract paid the remaining balance on the washer and combined to one account. I have since received 10 or more calls a day from various numbers trying to collect on a balance that should be paid off. When I ask for a supervisor I'm told it takes time to combine the accounts and they will put off the calls but the next day the calls resume. My contract clearly states the previous account is paid off. I've already made my first payment on the new account yet the old one shows 2 months due and the calls continue.
09/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76132	Web
I submitting a complaint against Conns in XXXX of 2015 for the same issue. I spoke with an Agent of Conns today and informed him that I will be making my payment on the XXXX and that if I continue to get calls I will be filing a complaint. I mailed a letter stating that I did not want to be contacted until I was past 30 days late on my payment in XXXX 2015. I am currently only XXXX days late on my payment and have received XXXX phone calls. At least XXXX of these calls were automated. I have attached a call log with the current information about the calls I have already received.
07/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85379	Web	Servicemember
Double charges XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX completed payment XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment for XX/XX/XXXX XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment We've explained that we can provide bank statements showing the money taken out to which we were told they have recorded conversations of my husband or myself calling in to cancel the payment. When we asked them to provided that ( it isn't true ) they began talking over us and saying it was our banks fault.
02/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78230	Web
Conns I've been fighting these blasphemies against my credit since 2013. Conn 's is the reason why I'm XXXX and still can't get a car to drive my children to school, parties, gatherings and myself to my job, shopping, house needs, entertainment, etc. I cant get a loan anywhere, they just in XXXX approved my first credit card with only {$300.00} limit. My social life is affected by it, my self-steam, my interaction with the business/outer world. Conns Ruined my life and continues to do so with false statements and allegations about an unknown account I never had consciousness of.
10/23/2021	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	TX 77034	Web
Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38125	Web
I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX
10/01/2017	No	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	TN 38106	Web
I have been disputing this issue with the creditors and the credit reporting agencies XXXX for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but XXXX has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
02/23/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28227	Web	Older American
On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure
03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38128	Web
Before my account went into collection, conn 's called me about settling my debt. I made the payments that they asked for. However, on my credit report, it is stating that it is in collections but I made the payments that were asked of me for settling my debt. I did call a few times asking the company about this issue when I first noticed it a few years ago. I was told that they seen where I made payments but something in the system was not right and they were taking care of it. This is causing a hardship on my credit because of this mistake. I need this fixed immediately.
06/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 762XX	Web
Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.
03/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	AZ 85201	Web
This secured/installment loan account with Conn Appliances INC has been closed and charged-off since XX/XX/2018 in the amount of {$3200.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
06/07/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 275XX	Web
This company is constantly calling me. I have records of the back to back, constant calling from them. I have asked them previously to stop the constant harassment but they continue to do so. They start these constant phone calls with a day or so past due and continue to call constantly ALL DAY until you make a payment. I have phone records to show this and it is not an isolated, one time thing. This happens all the time. Just today XX/XX/2021 I have received 5 phone calls from them starting at XXXX ( it is now XXXX EST ). They also email you as well. This is harassment!
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 853XX	Web
I purchased a computer from Conns for XXXX dollars I canceled the furniture & never received it Conns was also charging me for life insurance That I never agreed to when I went into the store to speak with the Manager as to why he did not update my account he told me to get out of his store when I called Corporate multiple times to have them rectify the situation I believe this company has fraudulent business practices Please help me settle this matter I never owed Conns XXXX That would of been the total if I would of not of canceled the furniture Thank You XXXX XXXX
03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77021	Web
I have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.
12/12/2021	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 27410	Web
Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.
09/21/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76063	Web
So I have already told them my ex-wife will pay it. I understand they are calling for a date but they have called me 4 times today from XXXX and when I addressed the fact that they are harrising me they acted like they could not hear me and hung up. They also called me 3 times on XX/XX/XXXX from XXXX 4 times on XX/XX/XXXX rom XXXX This is from Conns home plus. I owe on a washer & Dryer. Now it is not from Conns directly, they clearly have outsourced to XXXX. but They still should not be calling like this. I can print screen the calls if needed. Please advise.
10/07/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23321	Web	Older American, Servicemember
On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.
11/09/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77450	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CONN CREDI XXXX Opened XX/XX/2015 Balance XXXX ; CONNS XXXX Opened XX/XX/2015 Balance {$2100.00} ;
11/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85120	Web	Older American
In XXXX I purchased furniture and a dryer from Conns in XXXX Az. I was overcharged {$100.00} for the recliner. Conns is aware of the issue because they notified me. Ever since XX/XX/19 they say they will credit my account with XXXX XXXX and they have NOT done that. I was told it was sent to XXXX XXXX at the end of XXXX. We are now at XX/XX/XXXX and they credit has never been sent. Conns says check with XXXX XXXX and XXXX XXXX says they need it in writing from Conns and Im in the middle. I was OVERCHARGED by an inexperienced sales person. This needs corrected now.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 78664	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
10/07/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 774XX	Web
About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TN 37128	Web
I was in the process of looking for a furniture purchase. I did a pre-qualification through Conn 's 2 weeks ago. Spoke a rep that called on XX/XX/22 by the name of XXXX. I stated that I would try to make it by after a conference. I had talked with them multiple times over the past couple of weeks. I then get a alert that my credit report was accessed. I did not give Conn 's permission to pull my credit report. This action caused a hard inquiry on my report. I did agree that I would purchase anything from Conn 's. This was impermissible and should be corrected.
04/18/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76116	Web
In XX/XX/XXXX I purchased an XXXX laptop from XXXX XXXX XXXX XXXX. The payment is due on the XXXX of each month for {$60.00}. The account has never been 30 days past due. I usually pay the bill around the XXXX of each month. 15 days past the due date. Starting on the day after the due date or the XXXX of each month they start calling, Today the XX/XX/XXXX they called my cell phone thirteen times. This is normal for Conns if its a day past due. I used my cell for work and can not be getting constant collection calls. It will be paid at the same time each month.
12/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 759XX	Web
After hurricane Harvey in XX/XX/2017 I made a claim with Conn 's home plus regarding items lost. I pay for their warranty on all my products. I was told there was a high volume of claims and it would be a while. I waited 6 months, sent them multiple emails, took pictures of the damages as requested, and kept being told to wait. Two years later they have completed ignored me and I can not keep making payments in items I don't have because of damage. They took advantage and have committed fraud against me. I want this solved so I don't have to hire a lawyer.
12/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78542	Web
On XX/XX/2014 my identity was stolen. Since then I have been trying to recover from the identity theft. I recently found out there is multiple credit cards, loans, car loans, and bank accounts in my name. I have filed a report with the XXXX XXXX XXXX XXXX XXXX case # XXXX for identity theft. They recently advised me that they do have a suspect that is using my identity. I did not give permission for this person to open up accounts, use my name, use my date of birth, and social security number. I would like my credit report to be cleared from those debts.
08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29707	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. Conns Appliance is the original creditor that keeps giving these collection companies my discharged debt. This is the 3rd collection company that has contacted me. I am tired of responding but I have to in order to keep them from Attacking my credit. Conns Appliance also reported my debt as a charge off instead of a discharge although the account was never late before discharging. It seems Conns keep selling my information
11/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28278	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX** Balance : {$2500.00} ; 2. XXXX XXXX** Balance : {$2400.00}
06/27/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78154	Web
I have already told conns I will make payment by a certain date. They continue to ask for payment. I have been receiving anywhere from 8-15 calls a day. They also email me several times a day to try to collect on the payment. Today I have received 15 calls already and 3 emails stating I need to make arrangements when a date has already been given. I refuse to make post dated payments because they always try to run payment the day Im setting up the arrangement causing me to overdraft and incur fees from my bank. This has been going on for over a month!
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web	Servicemember
Conns furniture is not MY account but continue to report accurate I DONT HAVE NO ACCOUNT WITH CONNS THEY STATED THAT I OWED THEM XXXX XXXX THEY STATED THAT I OPENED A ACCOUNT WITH THEM IN 2018 NEGATIVE I DONT KNOW ANYTHING ABOUT THIS ACCOUNT I MOVED FROM THE ADDRESS STATED IN 2018 BUT THE NEW TENANT STOLE MY IDENTITY INFORMATION CONNS APPLIANCES ALLOW SOMEONE ELSE TO DESTROY MY CREDIT AND GET MERCHANDISE IN MY NAME THATS FRAUD PLEASE REMOVE THEM FROM MY CREDIT REPORT I HAVE FILED AND PROOF OF A POLICE REPORT FOR THIS ACCOUNT THAT DO NIT BELONG TO ME.
04/16/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85282	Web
Conns has called me a total of 9 times so far today XXXX XXXX XXXX between the hours of XXXX today. I answered the call on my lunch at XXXX XXXX and spoke with a person named XXXX. I let her know that I am at work and their repeated calls are causing a disruption and that the could have left a message and I would have called back when I was free. I let her know that do to the overwhelming about of calls in a short time span that I feel harassed and want my phone number removed. I also have received a text message as well as an email from Conns today.
04/28/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 75052	Web
I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 985XX	Web
I settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. Ive missed out on multiple financial opportunities because of this inaccurate information
07/10/2022	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	CT 06512	Web
Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.
09/02/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77469	Web
Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77070	Web
I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?
11/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77433	Web
Conn 's is reporting 30 to 120+ late payments on my credit report which is n't accurate. I requested my payment history from Conn 's which show paid thru dates and payments being applied to misc fees. I 've disputed the info with all XXXX credit bureaus and sent in the payment history for proof. The bureaus did not investigate the late payments and have not removed the late entries. I 've contacted Conn 's to correct the issue and have not had any luck. I 've requested the removal of the account from my credit file due to the incorrect reporting.
11/09/2021	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	LA 711XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CONNS, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
on XX/XX/2023 conn 's company has been sending me a ledger of my account, as asked for by me.my last balance report on it to me {$760.00} and my credit report from XXXX XXXX and XXXX was $ XXXXthis company is not reporting the right amount to the credit bureaus XXXX XXXX and XXXX it does report to XXXX.to report to the credit bureaus the balance of the accounts is in the agreement that I sign for thats what I am asking for now to report the payments made on the account ending # XXXX all my poof information is sent by certified mail to C.F.P.B.
04/21/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 770XX	Web
I opened a line of credit with Conn 's Appliances on XX/XX/2016. The original amount was {$2000.00} or so at the time of signing the agreement. As i review all payments up until the charge-off, I've paid {$3600.00} to Conn 's Appliances on this line of credit and they're still threatening to take legal action if they don't receive an additional total of {$4200.00} in interest and fees which is absolutely outrageous. I would've paid this account off 3 times with the amount of interest and fees that Conn 's is asking for to resolve this account.
08/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78254	Web
When I made my XX/XX/XXXXpayment the loan balance reflected was {$1400.00}. When I logged on to make my XX/XX/XXXXpayment ; it is now reflecting my loan balance is {$1500.00}. I called the customer service line and spoke with a representative on XX/XX/XXXX. The representative said the interest is compounded daily therefore your balance will be higher. I asked for a statement showing all my payments I have made and reflecting how much each payment went to principal and interest. She advised me she can not provide that because it company policy.
03/08/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85044	Web
I called the company on XX/XX/XXXX to have a post dated payment in the amount of XXXX dated for XX/XX/XXXX deleted. The representative told me it was already deleted. The payment was still processed on XX/XX/XXXX. I called on XX/XX/XXXX to request a refund. I called back on XX/XX/XXXX to follow up, the rep I spoke with said no request for refund was submitted, but they would submit the request. Called back on XXXX spoke to another rep who said there was still no request submitted. Called again today, the request has still not been processed.
11/25/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NM 87111	Web
We had a payment due on the XX/XX/XXXX. we are always late and understand that, however, the calls started on XX/XX/XXXX, and it is now XX/XX/XXXX. my wife and i both have received almost 80 calls put together in that short time period. on average, that equates to a call just about every hour 10 times a day. we are not trying to dodge the debt, and the amount of these calls is absolutely unnecessary. example, on XX/XX/XXXX there were six calls to my wife 's phone between XXXX XXXX and XXXX XXXX. total number of calls that day alone was 15.
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85281	Web
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONN APPLIANCES INC - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77583	Web
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Conn XXXX Inc. has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Conn XXXX IncXXXX XXXX must be removed.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
XXXX XXXX Balance : {$0.00} CONNS XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
02/24/2021	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 Was not notified of investigation status or results	TX 77071	Web
I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.
06/26/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75052	Web	Servicemember
My consumer rights are being violated with the lack account balance information that your organization provides. A formal monthly statement has not been received via mail or made available online which indicates past monthly payment history including ( 1 ) how payments are applied to my account ( 2 ) potential errors for dispute and ( 3 ) indicate account summaries. This lack of consumer information is direction violation of the U.S. Consumer Protection Act including Texas Deceptive Trade Practices Consumer Protection Act ( DTPA )
04/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 75149	Web
We opened an account with conns and when we received our payment book we noticed errors. We then went back to the store and they re-did the account fixing the mistake and then sent us another payment book with the correct amount but, the first account was supposed to be deleted and never was. We are up to date on the current account but they wont delete the first faulty account. My credit is spotless other than this. We have called numerous times to try and rectify this problem but each time they say this is accurate when its not.
02/20/2018	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	CO 80229	Web
I had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000. But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.
09/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37129	Web	Older American
I bought 2 televisions and a sofa and loveseat from Conns almost 2 years ago, and financed through Conns credit. The couch, which supposedly has a 2 year warranty is coming apart from the inside ... literally breaking apart. I followed Conns instructions for getting the sofa repaired, including sending pictures, and was informed that I needed to send copies of the original purchase agreement to process. Unfortunately, I dont have the original agreement any more. I am withholding payments on my account until this is rectified.
05/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85296	Web
I had asked this company to refinance debt as I had a lower income and they advised me I must be behind on payment in order to refinance. After becoming delinquent I called and tried to refinance as I was advised. Then they stated that they didn't know who told me that but it was inaccurate. So with being said I was too far behind to catch up and was told there was nothing they can do for me. I have attempted to reach out to them in regards to settling the account for less or start re paying and I have yet to get any response.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28216	Web
Conn 's appliance company acct # XXXX. I wrote them several times and the credit bureaus about these two erroneous errors on my consumer report or credit report. I dispute with # of months high credit amount last reporting and the last date of payments. These are reporting 3 different ways on all 3 credit reports. According to the fcra A 100 % reporting inaccuracy on my report. They keep coming back with verified. These are not properly investigated. They are reporting wrong. This is hurting my score and to refinance my home.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30043	Web
I ordered a Laptop on the XXXX of XX/XX/2022 from Conns Home and the lap top was never deliver. i have called them severally and they told me the laptop was out of stock. and amount of {$930.00} was reported to my credit on XXXX XXXX and is showing " in good standing '' Please i kindly want it to taken off. It is hurting my credit report and i am not making any payment. i have earlier reported it here and no action was taken. Kindly look into it. The name of the company reporting it on my credit is CONN CREDIT CORP. Thank you
10/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20770	Web	Servicemember
I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.
09/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78239	Web
currently refinace this accout with Conn 's .. I have been nonstop calls for collection. I have called back and spoke to a manager and was advised that the calls would stops. But I am still getting calls and this is outrages. I would like for the calls to stop since my bill is not even due until XXXX XXXX. Not only due i get calls I also get hang ups. Transfer to other CSR agents when advised I would like to talk to a manager then told I can be transfer to a manager. This is harrashment. I am looking into more legal actions.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28303	Web
I started an account with a company called Conns. I purchased a lease to buy couch and a stove.i had been paying for over a year and a half. The stove was payed for threw the insurance payed for in full with an additional XXXX dollars added to claim payment. The couch has been more than payed for threw the payments made. I believe the purchase was made in XX/XX/2018 starting balance XXXX The couch was XXXX. XXXX The stove was XXXX. They currently saying I owe XXXX I do not owe them any more money. I was over charged. Robbed
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	LA 70817	Web	Servicemember
I applied for financing at XXXX XXXX XXXX XXXX store in XXXX XXXX, Louisiana in XX/XX/2018. I completed my purchase by paying my down payment and picking up my items. I paid early from XX/XX/2018 through XX/XX/2018 and Conn 's has been reporting that I've paid of -2 % of the financed amount. They have no payment history for me available whatsoever. Though the report states " good standing, '' the fact that my good consumer behaviour is not being reported negates that. Customer service is not aware of how to fix my issue.
04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 77586	Web
Conns company continues to call me XXXX times since XXXX XXXX to XXXX XXXX, when answer it 's either no one or a recording. Then they started calling my brother who 's number was never listed as a reference or anything on the paper harassing him. The account was not even XXXX days past due!!! When I contacted them to tell them not to call or bother my brother they lied and said they did n't and that phone did n't exist in their account then they kept calling and he told them that the number they were calling was n't mine.
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77373	Web
I reached out to Conns by phone and email and never get the correct answer. When I call they tell me that they didn't report a 30 day late payment after the account was already close on XX/XX/19. They keep giving me the run around. On this same account they reported 30 days late after it was closed. They reported other 30 day late payments when I paid the minimum payment each month when I wasn't working.I need help to resolve this. They reported me 30 days late on XX/XX/19 when the account when already close on XX/XX/19.
03/27/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77433	Web	Older American
In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.
02/11/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 380XX	Web
Conns home plus has been continuously calling me more than 3 times a day from random local numbers. I have given a promise to pay of a certain date and they keep calling. I know calling more than 3 times a day and after a promise to pay was given should not be allowed. They called last night at XXXX this morning at XXXX and then again just now at XXXX I have told them 3 times I would pay it Friday and they continue to call. I have also asked them to please not call me any longer I will pay it when I get paid on Friday.
04/05/2019	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	TX XXXXX	Web
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire or even do an investigation. This is a violation. The letter sent back was dated XX/XX/19 past 30 days. This company willfully violates the FCRA.
09/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76033	Web
I had a loan with Conns Credit Corp that slipped into collections back in 2017. I want to resolve the outstanding balance, but Conns Credit is stating that my owed balance is {$6600.00}. I believe the remaining balance of the loan is actually closer to {$3000.00}. That's what my pay-off was when the loan defaulted. I have repeatedly asked Conns Credit for a detailed account history, documenting why they are asking for {$3000.00} more than what I actually owed. They have not supplied me with the documents I requested.
02/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 79423	Web	Older American
I have 2 loans with Conn 's. They start your loan out with no interest loans and then they switch your payment amount in order to earn more interest. I was told 3 different amounts today on 3 different phone calls. They tell you you have a 10 grace period before late fees begin. Today I received an email telling me tomorrow I will incur late fees at 7 days! When you call to make a payment, they will tell you a different amount to prolong your loan. They have many complaints on the internet regarding shady practices.
04/21/2018	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	TX 77084	Web
Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX and they still allege the date they have reported. I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing
08/16/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78746	Web
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
04/05/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78723	Web
Im writing about Conns. I took out a loan to buy a product from their store in XXXX. I made the first two payments and then had a significant change in income. Since XXXX they have called me no less than ten times each day including weekends from 44 different phone numbers. Today alone I received 13 calls from 6 different numbers. I also receive multiple emails each day. I have explained the situation and have asked them to stop and assured them that I would pay when I am able but the relentless pursuit continues.
09/30/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 27610	Web
Conns XXXX XXXX Repeatedly calls despite being told that the person who they are trying to contact does not live at this address. Spoke to someone XX/XX/2019 XXXX Asked them to stop calling, the previous day I told them to stop calling and earlier on the XXXX my mother also told them not to call. On the XXXX a man told me he could not remove my number from the account and there was some sort of process to take the number off. After that have received several calls ; XX/XX/2019 : XXXX XX/XX/2019 : XXXX, XXXX, XXXX
06/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70726	Web
The company emailed me about a collection that I do not owe. In XXXX of 2017 I paid the company before it even went to collections. They havent been sending me anything up until now. Which I do not owe them anything. The company was supposed to delete from account but obviously they did not. They were suppose to document the account but I guess they didnt do that either. I asked them to validate the account which they did not they only sent something for a payment. On XXXX of my credit report it does show paid.
10/19/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 146XX	Web
After I started to dispute this account. I started recieving threatening text messages stating if I do settle they will seek legal action. Also when I had my account with them and when I needed to make payment arrangements I was being charged for the payment arrangement. They have also sent me letters stating Iam preapproved for store credit trying to trick me into contacting them. The amount they are stating I owe is way more then the original amount. It has been almost 7 years since I opened up this account.
04/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78245	Web
XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.
09/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 790XX	Web
I have paid on a past due balance with Conn 's Home Plus. I called the company to negotiate a settlement of {$800.00} & they were going to report this to the credit bureau. This was paid same day of settlement & now they are reporting this to my credit as a remaining balance of {$1600.00} this is not accurate. I have the letter from Conn 's where this agreement was signed from them. I have made 2 attempts now to have this updated and removed and they keep saying that they will do this, but it still shows.
07/06/2023	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	LA 70802	Web
I called the number thats been reported on my credit report for conns and no longer have the account I was told they sent me to a automated collection company I told them before anything send me debt verification letter what I got wasnt a debt verification letter it actually have the XXXX balance and told conns it was a XXXX balance I have reported this to the XXXX and done a FTC report the law states if you request debt verification and dont get it in timely manner that states require you have to delete
11/16/2020	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	TX 78201	Web
On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.
10/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web
This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/. I have asked them for the contract that was signed with my wet ink signature and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77373	Web	Older American, Servicemember
Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!
07/28/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NV 89148	Web
Since XX/XX/XXXX this Conn 's Home Plus has called me everyday 6 times a day to ask to me to pay {$72.00} on an account that is past due two days. I should not have to explain my financial situation to anyone as long as I make my payments before the 30 days so, my credit is not affected. If I did not pay within 30 days I understand that they may take action by reporting me to the credit bureau. I am going to pay them but, 6 times a day seems quit excessive for someone that is not even 30 days past due.
03/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 708XX	Web
Conn 's Credit is deliberately providing invalid information to the Credit Bureaus. The company states the first date of delinquency of my account was in XXXX XXXX. This is false and sent deliberately to the Credit Bureaus to allow for a longer reporting time. The account first became delinquent in XXXX. Seven years past this point the account should be removed from my XXXX Credit Report. Conn 's is providing false data to manipulate the length of time the report stays documented on the credit report.
09/29/2022	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 Their investigation did not fix an error on your report	MO 631XX	Web
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
09/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78224	Web
I am being called almost every hour in regards to my account that is 4 days past due. The calls are being placed to my mobile number all day some even minuets apart. For example today XX/XX/2018 the most recent calls that this company XXXX XXXX XXXX has called me at are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This is happening everyday and starts as early as XXXX up until XXXX. At times almost XXXX times in one single day. I have proof from my mobile provider of such calls.
06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.
02/02/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28216	Web
Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.
05/16/2020	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	NV XXXXX	Web
CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.
01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 752XX	Web
If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!
08/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32712	Web
A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.
12/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76201	Web
At XXXX XXXX they called requesting payment as it was due on the XXXX. I let them know I will be paying the bill on the XXXX when I get paid, I asked for them not to call me again before the XXXX. At XXXX XXXX they called again requesting payment and wanted to know why I cannot pay today. I let them know again that payment would be made on the XXXX, please do not call me again, I am at work. At XXXX XXXX they called again, I told them if they do not quit calling me that I would turn them in.
01/15/2017	Yes	Other financial service Debt settlement	Customer service/Customer relations	NC 28273	Web	Servicemember
HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! CHANGE MY DUE DATE TO THE XXXX of each month immediately!
04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web
I have been trying to contact Conn 's Credit Corp. to dispute the validity of an account. On XX/XX/2021, I submitted my initial letter to the address listed on my credit report to validate the debt of {$4400.00} and the letter was returned. On XX/XX/2021, I submitted another letter to an address that I was able to locate online and it was also returned to me to validate this debt. I have not been able to successfully reach them at the contact information that is provided on my credit report.
07/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80111	Web
I signed up for a zero interest loan for 12 mos for a washer and dryer with Conn 's Home Plus. The lender failed to withdraw the final payment ( they said it was n't set up on ACH, yet they ACHed all my other payments ) causing my account to accrue the previous 12 mos interest, which exceeded the total initial cost of the appliances. When I called them three days after the 12 month mark, they said there was nothing they could do and I needed to pay it or have my credit negatively affected.
05/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80239	Web	Older American
In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.
08/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77578	Web
I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company XXXX XXXX XXXX and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that XXXX XXXX is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.
09/19/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29501	Web
Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. The agents on the phone are extremely pushy trying to collect on you even though you are not late.
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75063	Web
Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.
04/12/2023	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	TX 76123	Web
It's been over 30 days and the creditor has not updated any information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$180.00}
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 770XX	Web
This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the Conn 's I received a letter that it was paid in full. However now XXXX XXXX XXXX is now calling me after I sent them this information and then called them about this are calling me non-stop at least 3 to four times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
10/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75089	Web	Older American
Conn Home Appliances repeatedly keep putting this debt on my Credit Report, and it was discharged through XXXX XXXX XXXX The credit Bureaus have information regarding this and will take it off and put it back on because Conn Home Appliances keep reporting this! The debt is over 7 years old and yet Conns goes from one credit Bureau to the next and keep putting it on my credit report. I have disputed this at least XXXX XXXX. My XXXX have been discharged and they were paid in XXXX XXXX
11/11/2021	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	TX 77578	Web
I paid 10 % of total debt in settlement offer through assigned 3rd party. I was provided a XXXX Balance letter yet the original creditor ( Conn 's ) did not update the account to reflect Settled on my credit. The account reflects closed with balance still in tact. They did however update the payment, but refused to update the account status. I made this payment ( Call is recorded ) advised that it would settle the account and remaining balance, not " update '' that payment was made.
11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78244	Web
Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.
03/13/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 850XX	Web	Servicemember
On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.
06/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 790XX	Web
The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?
06/27/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75063	Web
I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.
01/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 272XX	Web
My Payment due date is on the XXXX of every month, due to pay periods not lining up I have had to pay on the XXXX of the month. Conns home plus will start contacting the day after due date and continues to call all numbers provided starting at XXXX calling multiple times a day. Today XX/XX/2023 I have received XXXX calls to my mobile phone and XXXX calls to my work phone. Last month I received nearly XXXX calls within a 4 day period. This is harassment and shouldnt be allowed.
01/13/2023	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 Was not notified of investigation status or results	TX 775XX	Web
Disputed this item several times with the 3 credit bureas and this company. CONN APPLIANCES , INC . XXXX XXXX XXXX, TX XXXX The bureas and this company repeatedly says verified but after several attempts I have not recieved verification. There both are violating my consumer rights! They need to please evidence there authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) .Our I will proceed with litigations if not verified properly per my lettered document attached.
10/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 856XX	Web
One of my family members is using my social security number these debts were not incurred by me. These are fraudulent uses by my mother who has used my ss # without my knowledge $ XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX conn appliances on XX/XX/XXXX total {$5400.00} XXXX XXXX XXXX XXXXl on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX
11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85258	Web
Regrading this account CONN CREDIT CORP XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXL XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
09/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 875XX	Web	Servicemember
I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. They have been calling me at work, at home, on my cell, up to 8 times a day. This is harassment and illegal. I also told them to stop calling and they still are calling. Please assist.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90802	Web
To whom it may concern Ive had two delinquent accounts that I paid in settlement back in XXXX of 2019 Ive been challenging these items with the credit bureaus to only have them come back with the account showing I still owe and its several months past due Ive called numerous times to try to resolve this matter but Im always referred to a third party collections agency to only be told they dont even have that account Ive got nothing but the run a round so Im seeking help
01/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79761	Web
I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.
02/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78233	Web
CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
09/17/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79924	Web
XXXX XXXX XXXX XXXX keeps on calling my cell phone number countless times in a single day. They call me from a local phone number with a different number every time and from a XXXX aswell. I told them that I revoke consent on calling me, but they still call. Ive been having this issue since I first opened an account with them fell behind one payment on furniture and the calls kept on coming. I am very unsatisfied with this company and really regret doing business with.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75115	Web
Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.
08/07/2020	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	AZ 85248	Web
In XX/XX/XXXX a 30 day late was reported to credit bureaus. I am a great person and have gave a ton of service to conns with more than 4 perfect satisfied accounts. I made one mistake 5 years ago and asking to have this reporting removed so I can achieve the American Dream of becoming a first time homeowner and this is preventing me from doing so. I deserve a 2nd chance. its already been 5 years on my credit, please remove 2 years early and help me become a homeowner.
10/15/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 75013	Web
My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.
12/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web
XX/XX/2019, two accounts were opened under my name at CONN XXXX. One was for {$11000.00} and the other {$2500.00}. I called them XX/XX/2019 and told them that it was fraud. I filled out an Identity Theft Victim 's Complaint and Affidavit in XX/XX/2019 and a Police report in XX/XX/2019. After many attempts, XXXX XXXX in the fraud department at CONNs Appliances denied my claim. After many many disputes, the two credit cards are still showing up on my credit report. I
03/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29640	Web
My payment came due on XX/XX/2016, I received 10 phone calls from Conn 's everyday. Then a lady calls my husband cell phone and proceeds to him all of my information, when my payment is due, how much it is and asked if he is still roared to y on the account. His Name is no where on the account. He asked the lady on the phone to speak with her supervisor because he knew that what she had just done was illegal, she tells him that they are all in a meeting and hangs up.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28273	Web
I XXXX XXXX entered into a consumer credit transaction with Conn Credit Corp. on XX/XX/2018. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Conn Credit Corp then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
07/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77354	Web
On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.
09/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29301	Web	Servicemember
Conns home plus has called me 21 times in two days. They have Emailed me and sent me text messages as well. This is a clear violation of the 7 in 7 rule. A creditor can not contact an account holder no more that 7 times in 7 days between the hours of XXXX and XXXX. I am aware of what I owe and efforts are being made to catch up missed payments but harassment will not be tolerated. The calls must stop or I will be forced to seek legal counsel and pursue litigation.
03/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76502	Web
This is a Complaint against Conn 's. I paid owed a little over XXXX on a charged off dept. I reached an agreement to pay {$53.00} for full and final settlement. I paid it and have a letter stating same. I have bank confirmation of payment and emails from the man I did the transaction with telling me he would take action to get the phone calls, text message and emails to stop. They have continued for 3 months even after I have asked several times for them to stop.
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75067	Web	Servicemember
On XX/XX/19, I received my credit report form you. It included the following incorrect information : Conns Account # XXXX After requesting validation and correction to my credit report on both XX/XX/19 an XX/XX/2019, I received a letter from that creditor verifying that the information in which they are reporting to my credit report is inaccurate. Both instances this company has refused to correct their inaccurate information and it has caused me great hardship.
11/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : XXXX Account Number : XXXX Date : XX/XX/2017 Amount : {$2500.00}
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 783XX	Web
Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
04/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 731XX	Web
Whenever I am 24 hours or more late on a payment the Conns, company, auto dialer repeatedly calls me ever couple hours with an average of 10 times per day or more. This is excessive and I consider these actions harassing. I understand an attempt to contact me once a day with a voice mail message if I do not answer should be sufficient. This company calls me twice in a row every two hours starting at XXXX. I have blocked the number calling me and they change it.
06/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37076	Web
I reached out to Conns, numerous times since the beginning of 2019, about a credit card debt they are falsely reporting to the credit bureaus. I've provided a police report previously and other false Conns was reported was removed from my credit files. For some reason the company refuses to remove the current false account. I spoke with the fraud department and was told they would investigate the account but I haven't heard anything since, this was months ago.
07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ XXXXX	Web
I opened this Conn 's account in XX/XX/2014 I was never late I asked several times when I made my payment on time to set this account in automatically payments and they did for was never informed that was only for 2-3 months and they removed it without my consent I still made my payments this account shoes charged off and it was not it was paid in full as agreed there's is late payments and incorrect information I need this to be corrected and deleted please.
10/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CO 80907	Web	Servicemember
I have been in and out of the Hospital having XXXX, I make my payments, struggling to make full payments {$290.00}, I have been making partial payments, In XXXX I made {$590.00} payments, was suppose to get a 3 month extension, if I give my credit card information. I still get repeat call 3 times a day, even on Sunday. I am not avoiding phone calls from these people. I made a payment arrangements with this company online still get these repeated phone calls.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74136	Web
On XX/XX/XXXX I was verbally told over the phone by a rep at XXXX a collection agency for Conns that once the debt was settled, the debt would be removed from my credit report, that is not the case, I settled for XXXX on XX/XX/XXXX and the balance reported on XX/XX/XXXX shows I owe XXXX and another two credit bureau shows i owe over 3k which in turn has taken my score down over 115 points. This account is charged off and should not be reporting each month.
01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76543	Web	Servicemember
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 775XX	Web
On XX/XX/2021 I called in to conns customer service to pay my debt for over XXXX and the company offered to settle for {$1400.00} and I asked the company if it would be removed from my credit report. They said that they will put settled for less than full amount and that they would remove it from the credit report. Ive called several times and the company keeps giving me the run around and no one will remove the negative closed acct from my credit report.
10/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 741XX	Web
Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers
01/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85339	Web
Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.
12/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76119	Web
I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 73132	Web
I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.
09/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78504	Web	Older American
I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.
09/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28311	Web	Servicemember
I have not received any correspondence from collection agency to validate this account. I disputed several times to get this information. I asked for information regarding by account XX/XX/2023. I have since not received any of the original signed documents. I am also requesting documentation that agency owns this debt, and can legally collect in North Carolina. Please remove this account from all 3 credit bureaus until information can be validated.
04/20/2021	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	TX 78414	Web
Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later
05/29/2020	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 Was not notified of investigation status or results	TN 38127	Web
I was shocked when I reviewed my credit report and found late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
06/23/2023	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	FL 338XX	Web
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 776XX	Web
in accordance with the fair credit report act .the following accounts have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conn appliance XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
04/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28092	Web
They are calling from multiple numbers, A minimum of 5 times daily up to 12 times in a day. Their automated system states I have until XX/XX/XXXX to pay in full, but charges have been released to a collection company. I advised them that the amount and frequency of calls is harassment and needs to stop, do not call again. They told me if I paid my bills they wouldn't be calling. List of numbers used to call me below : XXXX XXXX XXXX XXXX XXXX XXXX
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70726	Web	Servicemember
In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/31/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 774XX	Web	Older American
I get repeated calls constantly. It was your usual Robo calling. We finally decide to call them back and request they not to call any longer. We ask why they keep calling and was told of someones debt. I told her no purchase had ever been made by us and to please remove our telephone number. She hung up the phone! I then called back and a different person answered. I was told she would remove my number ; and of course we keep receipts the calls.
12/26/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	LA 707XX	Web
I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	NM 87120	Web
I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received
12/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85326	Web
Gm! Over 30 days ago I sent a letter by mail to this company requesting them to validate the debt on an account reflecting on my credit. It was not a refusal to pay but to validate why they felt the debt was mine. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.
04/28/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 236XX	Web	Servicemember
On Tuesday the XXXX of XX/XX/2020 starting at XXXX eastern standard time I have received 6 calls from conns to collect a payment that is due. I feel extremely harassed and I am appalled that during a time of crisis in the country and economy that this would be considered acceptable. I am considering legal action through and attorney because I feel harassed but am willing to see the resolution from the company before I make that determination.
05/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28213	Web
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and CONNS with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35603	Web
From XXXX until present Ive been making payments more than the monthly payment and Im being charged late fees and reported delinquent on my credit and Ive never missed a payment and not even due being that Im paid up for months with Conns Home furnishing. Ive made over 20 attempts with the company which admitted to this issue and said it would be escalated for issue to be fixed. It is still not. I have supporting documentation to prove this.
11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77004	Web
XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. Contacted XXXX 's Fraudulent department. XX/XX/2020 Conn 's XXXX. Credit opened with Conn 's for {$2400.00} by someone using my name, home address, and SSN. Contacted Conn 's XXXX Fraudulent department. XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. Contacted XXXX XXXX XXXX Fraudulent department.
12/21/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 794XX	Web
Repeated calls from telephone numbers XXXX, XXXX, and XXXX. These are Virginia telephone numbers. They never leave a message. I have no dealings with anyone or any company in Virginia. My phone blocks the calls and lists them as " Fraud Risks ''. The XXXX number called me ten times on XX/XX/2022, the XXXX called seven times on XX/XX/2022 and the XXXX called 8 times on Saturday, XX/XX/2022. The XXXX number has called once today, XX/XX/2022.
12/17/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77090	Web
I continue to receive repeat calls from XXXX XXXX XXXX in regards to my current bill. When Im ONE day past the due date calls begin at XXXX and they call every hour until XXXX something before close. 8-9 calls a day every day. Monday- Sunday. I have asked repeatedly for the calls to stop especially on Saturday and Sunday. They have given specific account information to my domestic partner with knowledge that I was not present or available.
11/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77338	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Company name : CONN CREDIT CORP Account Nuumber : XXXX
11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85392	Web
In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.
11/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. CONNS XXXX Date Opened : XX/XX/2015 Balance : {$810.00}
01/23/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75044	Web
They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.
08/06/2020	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	TX 79423	Web	Servicemember
I purchased appliances back in 2018, and it hasn't worked correctly ever sense I bought it. I have tried several times over the past year to reach the store regarding the issue and they have not reached out to make this issue right. I have thus far paid {$2500.00} for a washer and dryer and they want to continue to charge me but yet do not want to correct this issue, they said I purchased a warranty but yet they give me the run around.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 78621	Web
In Accordance with the fair credit reporting act XXXX Account # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77573	Web
I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.
04/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75070	Web
MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 338XX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/08/2022	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 272XX	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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	TX 76542	Web
In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28086	Web
In accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75082	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 757XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/07/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75052	Web	Servicemember
I have been receiving phone calls from Conns home plus every day. They call every hour from XXXX XXXX to XXXX XXXX. I have told them several times to stop calling me so often. I have tried in the past to block the number but they keep calling from different numbers. Now I just ignore the phone call but they still call every hour. I have told them before that I was not working and was unable to pay but that has not stopped them.
07/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web	Older American, Servicemember
A laptop was purchased from Conns and returned within 60 days within the box and not used. I was told by Conns that the Laptop would be sold and I would be billed for the remaining price on laptop once sold. In stade, I received a bill for the entire amount with finance charges of over {$3500.00} dollars. I made an offer to pay off bill of {$700.00} Dollars since the labtop total price was only {$1500.00} Dollars. Please advise
07/12/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78413	Web
I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.
12/05/2022	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 27215	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under n open end consumer credit plan as late for purpose.
01/08/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ XXXXX	Web
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77449	Web
Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.
12/04/2022	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	AL 36116	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
11/13/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77064	Web
The Company identifies itself as Conns Home Services. They call from multiple numbers 4-6 times a day. They ask for a person I have never heard of. I have told them repeatedly that they have the wrong number and have instructed them to stop calling. Then they tell me that I must verify my personal information or they wont remove me from their list. I have blocked two different numbers that they call from, but they still call.
04/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78108	Web	Servicemember
I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77571	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
08/21/2022	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 Their investigation did not fix an error on your report	NC 28216	Web
I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN
10/16/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37129	Web	Servicemember
I was laid off an unable to pay. I receive 10 calls per day on each phone number on the account everyday. I have communicated with them and attempted to set a payment plan they offered, {$140.00} a month until the account is paid off. They modify what they are willing to accept as a repayment plan and change the terms. The calls continue and Im told they will only stop if I authorize a payment today, not when I agreed upon.
07/04/2023	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	FL 33615	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/03/2023	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	FL 33032	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
02/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute CONN APPLIANCES INCUnder Dispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute CONN APPLIANCES INCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXispute
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	TX XXXXX	Web	Older American
Conns XXXX is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - XXXX - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against Conns and XXXX for reporting this Id theft -
03/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80538	Web
I paid XXXX XXXX XXXX XXXX remaining balance later on they said I still owed them more money, I told then explained to them that I paid off my remaining balance. I have the emails from when I paid my bill online. They said the balance that was on there was not the correct. I have tried many times to tell them that no I had paid it off. They keep insisting that I have not. From then on they have charged me more interest.
01/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Date : XX/XX/2015 Amount : {$1600.00}
07/04/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	LA 70508	Web	Servicemember
Conn 's repeatedly calls between the hours of XXXX - XXXX cst. I have counted today XXXX XXXX, 2015 8 received calls from their bill collection department both human operator and automated. Within the past 4 days I count exactly 27 calls from them. I 'd like to see restrictions imposed and fines if deemed necessary, I do n't think they realize that calling as often as they do will not materialize money to pay them with.
09/24/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75024	Web
I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.
09/17/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77494	Web
XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP 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.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 760XX	Web
I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 782XX	Web
In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 774XX	Web
15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose. In accordance with the fair credit reporting act convergent acount # 12345, has violated my rights.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77095	Web	Servicemember
in accordance with the fair credit reporting act XXXX account # XXXX has violated my right 15 usc 1681 section 602 state i have the right to privacy 15 usc 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75234	Web
XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
09/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75089	Web	Servicemember
I bought a Tv last XXXX and used there in house Yes Conns financing. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28314	Web	Servicemember
I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.
01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77083	Web
I sent a letter to Conn Credit Corp requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
11/24/2017	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	TN 38115	Web
From the start I feel like they took advantage of me I told them I was n't a good reader they would have to explain it to me I did that so they can tell me face to face they never mentioned anything about 25 % interest being added to my {$12000.00} loan once I found out how much they said I owe on my credit report I immediately went up there and ask them to come and get it within two weeks of having the furniture
05/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70791	Web
HAVE WRITTEN THEM SEVERAL TIMES AND THE ACCOUNT WAS DELETED FROM MY CREDIT REPORT AND THEY READDED THE ACCOUNT BACK TO MY CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR OVER 7 MONTHS AND THE ACCOUNT WAS NOT PROPERLY VERIFIED AND WAS OVER THE STATUE OF LIMITATIONS. THEY ARE ATEMPING TO COLLECT ON A DEBT THAT WAS DLETED AND I DID NOT GET A FIVE DAY NOTICE FOR THEM ADDING IT BACK TO MY CREDIT REPORT.
01/17/2017	Yes	Credit card	Other	TX 76053	Web
I have contacted Conn 's and XXXX that the original delinquent date is incorrect- This account was included in my bankruptcy in XXXX XXXX. My original delinquent date was XXXX XXXX which I will attach supporting documentation from Conn 's investigation if you look in account history XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) - This would make this account over 7 years old- I want it DELETED from my report-
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75019	Web	Servicemember
Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.
08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 78758	Web
My complaint does not actually fit into any of these categories. It is a complaint against XXXX Bank, financing via XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and XXXX is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.
09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38118	Web
they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. the call from XXXX
08/29/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85283	Web
My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.
03/19/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85392	Web
XXXX XXXX XXXX is the creditor. After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.
11/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75080	Web
My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77494	Web
This company has already been taken to court and I won, the charges were dismissed but they still refuse to remove them from my credit report. They say the account is still pending which it is not because the court already ruled in my favor. my credit report still shows two things from them. Even with this complaint they are going to lie and say it is still pending. Conns {$6300.00} XX/XX/ 2018 2018
10/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87121	Web
This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.
04/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 780XX	Web
Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77026	Web
On XX/XX/2023, I XXXX XXXX spoke with Conns customer service representative and XXXX XXXX was the manager on duty at the time. That help assist me with doing a settlement. I paid the settlement amount in full on XX/XX/2023. And I was told it would be removed from my credit report. As of today, XX/XX/2023 I have been checking my credit reports daily, and the information has not been updated or removed.
09/19/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76133	Web
First of all, the alleged debt they are harassing me about has already been charged off. Second, they sold to a third party, then randomly said they decided to recollect, even though they already received credit on the account, twice, from my understanding. But the issue this is actually about is repeated phone calls, way more than 7 in a 7 day period. Anytime I have answered, no one says anything.
03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NM 87114	Web
Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.
05/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79938	Web	Servicemember
Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.
04/05/2018	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	TX 77630	Web
I spoke with XXXX XXXX and they told me twice they would remove this off of my credit report, and they have not. I made sure they were not talking about just not reporting it on my credit report I asked them to delete the whole trade line and I spoke to Supervisor 2 times and both times i was promised they'd remove it! please get this fixed for me as its hindering me from purchasing my home.
03/08/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NV 89074	Web
there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.
07/01/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 751XX	Web
I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.
01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60640	Web
After finding multiple accounts reported to my credit reports from a company named conns out of Colorado. I filed a fraud paperwork and the police report in XXXX XXXX and said all documentation conns requested to fix the issue and still they wont remove the accounts. They are not my accounts. I spoke to them multiple times and still nothing has been resolved. The accounts were opened in XXXX
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77566	Web
I want to file this please as my formal complaint to CONN CREDIT CORP for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
10/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 79707	Web	Servicemember
On XX/XX/2018 I paid a collection count in Full with Conns Home plus LLC They started stating on my credit report did not pay account in full I made a settlement offer. I filed a complaint with the XXXX they rectified the situation and sent me a copy of my contract stamped paid full. Recently I noticed they are once again reporting settled for less than {$2000.00} of what I paid {$3100.00}
11/17/2021	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	TX 77071	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89031	Web	Servicemember
Re : Account Number XXXX To Whom It May Concern, This is with regard to the referenced account number. In Fall 2020 I experience a financial hardship due to pandemic with layoff and additional economic impact to part-time business. I have never had negative information on my report prior to the COVID19 pandemic, but, unfortunately, I was unable to pay my bill for due to being out of work.
12/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77511	Web
The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.
04/05/2022	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 Their investigation did not fix an error on your report	TN XXXXX	Web
Conn Credit Corp is incorrectly reporting two a accounts on my credit file. Conn Credit Corp has repeatedly denied my request for deletion. Both Conn Credit Corp accounts have met or have exceeded the 7 year deletion date of first delinquency. Conn Credit Corp has manipulated and/or erased non-payment history in order to prolong the life of collection on these accounts on XXXX and XXXX.
09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75904	Web
I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.
05/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78251	Web
The company is XXXX and whenever I am late on my payment they will call me 7 or more times a day from the same or different phone numbers. On XX/XX/3018 they called me 10 times from XXXX. Ive tried blocking their phone number but they then call from a phone number that is 1 digit different and resume the harassment. I have about 20-30 different phone numbers of theirs currently blocked.
06/04/2018	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 28269	Web	Servicemember
I was out of work due to illness out on FMLA which was unpaid I called XXXX XXXX XXXX spoke with rep who agreed I could update make payment on a later date and they would not report as a 30 day late payment because I did have credit life and XXXX insurance I checked my credit report today and XXXX XXXX XXXX has reported my account 30 days late to all three bureau after agreeing not to
04/25/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CO 80130	Web	Servicemember
Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at XXXX XXXX and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called Conns and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.
10/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 853XX	Web
I HAVE A FURNITURE ACCOUNT WITH CONNS AND THEY ARE CALLING REPEATLY ON MY CELL PHONE AT LEAST10 TIMES A DAY PLUS. THEY DONT WAIT 30 MINUTES IN BETWEEN THE CALLS. IT IS ANNOYING FOR THEM TO CALL THAT MANY TIMES IN AN HOUR. THIS IS A VERY STRESSFUL TIME IN MY LIFE WITH JUST STARTING A NEW JOB. MY PHONE WILL BE IN MY DESK AND EVEN ON VIBRATE YOU CAN STILL HEAR THE VIBRATION OF THE CALL.
06/23/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78232	Web
XXXX. Conns Account Number XXXX I have sent Conns letters of dispute and I received no reply of proof to legally verify this account, which has exceeded the 45 days. Therefore, XXXX 's legally has to permanently remove this from my credit. XXXX and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account.
09/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75062	Web	Servicemember
Repeated phone calls starting at XXXX XXXX until XXXX XXXX from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28213	Web	Servicemember
Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.
07/05/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76549	Web	Servicemember
I purchased furniture by conn 's home plus. Every since the day of purchase they have been saying they are going to fix. Still has not been fixed. They applied for me some kinda of loan through the bank. The bank just reported to my credit 30 days past due even though the merchandise from the company is not usable. How is that legal to sell broken items and be charged for it???
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77327	Web
I paid my two Conns account in XX/XX/XXXX. I have called several times but XX/XX/XXXX I spoke to a Conns rep and she stated that she shows the account settled and will send it to the review department AGAIN. This has been two months on going and still they report my credit as open and none payment .. delinquent.. for the full amount. I have letters of settlement by this company
01/07/2023	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	TX 750XX	Web
Conns Appliances Inc, XX/XX/2017, amount XXXX I have submitted several letters justifying the final payment was already paid years ago. I also was told the rep that accepted my final payment during the time was no longer with the company and incorrectly submitted my final payment on someone else account. It was a new rep and it would have been resolved. I had never been late.
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 752XX	Web	Servicemember
Conn Credit Corp. is reporting inaccurate information on my credit via XXXX and XXXX. Conns basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
07/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75032	Web
I receive non-stop calls from Conn 's on my account that is XXXX days past due. The last call I stated that I overlooked the payment and would submit on the XXXX of XXXX. The response I received was " That means you still have the money to pay your account. Why do n't you pay it. '' I requested for the calls to stop and it was bordering harassment. I then terminated the call.
02/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70791	Web
This account with CONNS with account number XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
11/05/2021	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	NV 89110	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONNS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78239	Web
I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.
12/02/2021	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	TX 77044	Web
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID TEHFT. I SUBMITTED AN INVESTIGATION BUT THEY MADE A MISTAKE. THEY DISPUTED ACCOUNTS I NEVER PUT UNDER DISPUTE. I DISPUTED CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX YOU CAN SEE THAT ON THE FTC REPORT I HAVE ENCLOSED. I DID NOT DISPUTE : CONN APPLIANCES OPENEDXXXX AMT. XXXX CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX
01/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77498	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
01/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77073	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76502	Web
Social Security Card has been stolen once and lost 2 times within the last couple of years. Addresses on my credit report are addresses that I have never lived or reported. Unaware of the addresses that are displayed on my credit report and Conns loan. There is also a soft inquiry that is showing on my report that I have no information about and was unaware of the inquiry
03/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75702	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
12/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70726	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
12/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
10/28/2022	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 Their investigation did not fix an error on your report	NC 273XX	Web
These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. XXXX XXXX Account # ending XXXX XXXX Account # XXXX Conns Account # XXXX
11/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 880XX	Web
There is 2 CONNS accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
11/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75134	Web
I have contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016
11/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 27284	Web	Older American, Servicemember
I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75149	Web
On XX/XX/2020 Conns offered me a settlement of {$3800.00} to settle my account with them. I paid the settlement amount of {$3800.00} on XX/XX/2020 at XXXX. And still to this day my account has not been closed. It is still showing that I owe on this account and I have been getting late payments on my credit every month for this account after my settlement payment.
06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38116	Web
I settled my account with Conns. Its two months later and they are still reporting late payments to the credit bureaus. I disputed the information with Conns and they removed the marks from XXXX but they still reported another late payment to XXXX and XXXX. It is my understanding that Conns is required to submit corrected information to all XXXX credit bureaus.
02/10/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23456	Web
I have a debt with a store in Virginia Beach called XXXX XXXX XXXX XXXX. They have been calling me for XXXX weeks, every day approximately every hour between XXXX and XXXX. They call both my cell phone and my work phone. Back to back. I've spoken with them twice and have made arrangements with them yet they keep calling no stop. And I'm only XXXX payment behind.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77023	Web
I recently reviewed a copy of my credit report I was shocked to learn that I have been evicted identity theft I found numerous accounts on my credit report that were not open by me This has been hurting me is I am in the process of buying a home for my family please remove the fraudulent accounts from my account from credit report as soon as possible thank you!
01/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37148	Web
Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!
04/14/2018	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	TX 75232	Web
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
01/05/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NV 89030	Web
My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.
04/15/2018	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	NY XXXXX	Web
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX
11/14/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CO 80134	Web
I have XXXX loans through Conns. I have fell upon hard times in the last month and have n't missed a payment prior for a year. I am late on a payment less than thirty days and they call me at least 7 times a day. Today it is XXXX and they have called me three times. I have asked them to stop calling me repeatedly daily but they keep calling. Please help.
04/07/2019	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 791XX	Web
In XX/XX/2015 someone using fraudulent info bought {$5000.00} in items at Conn's.despite me showing them police reports, and the I'd and social used I got from the store it was purchased at they have not removed this default item from my XXXX credit report.i never have lived in colorado.i provided proof of long standing residency of my address in Texas.
03/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 761XX	Web
This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70607	Web
SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76123	Web
I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
I had a Conn 's account that was 12 months same as cash. I paid it off in XXXX of XXXX. They are showing a XXXX balance on the account, but that I have a payment due in XXXX of XXXX. Now they have reported the account as delinquent on my credit bureau. I have contacted them 3 times and been told the account would be closed, but it still has not been.
07/06/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 705XX	Web	Servicemember
XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time XX/XX/2019 they called four times XX/XX/2019 they called four times
06/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 77082	Web
Conn 's credit corp r eported my account as 30 days past due for XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.
03/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 78572	Web	Servicemember
During this pandemic, I have conn 's credit account for a laptop they informed me they have no services available to defer my payments. I also have a mortgage and credit cards, we need help to defer these payments. what can I do if I have already contacted them. I informed them I have a shelter in place order. They still offered me no help. XXXX XXXX
12/19/2020	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	AZ 853XX	Web
XXXX shows that Conns home plus is paid off in full On my credit report which it is and Conns will not close the account. I have continuous issues with Conns snd I refuse to pay them anymore this account is paid in full! Attached are photos of my credit report that was previously sent to Conns also showing paid off. They need to close this account
03/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75067	Web
Creditor Information XXXX XXXX, XXXX. XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX
03/21/2018	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	TX 76133	Web
I have sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
02/21/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 730XX	Web
XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.
08/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 78589	Web
There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.
10/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77498	Web
My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79938	Web
My payments are due everymonth on the XXXX conns home plus reported my account 30 days past due for XXXX when it's not accurate we are on the XXXX of January 30 days have not passed I contacted them to dispute and I got a reply of since my payment for XX/XX/26 did not go through it is delinquent still no 30 days past due and they won't fix it.
09/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 283XX	Web
Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.
01/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75010	Web
I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75039	Web
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time
01/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85206	Web
I went to Conn 's XXXX in XX/XX/2020 dealt with XXXX salesman ; he didnt explain terms come to find out that the item was sold as a " lease purchase '' without my knowledge The company IS NOT licensed in Arizona at all They take money from your account hoping you will end up with a huge debt ; non disclosure ; never knew who signed agreement
04/09/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75081	Web
In the past week alone I have received no less than 150 calls a day from this company. I have attempted to make arrangements with them but the conditions they are requiring are beyond my financial means. I have asked them to stop calling and to correspond with me through email or mail. This has no effect. Having 30 calls a day is harassment.
10/01/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75052	Web
Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.
08/14/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 776XX	Web
Conns Home Plus Contacts Me Numerous Times A Day, Everyday, From Several Different Phone Numbers. I Was Late On A Payment, And They Have Been Harassing Me Non-Stop. Ive Spoken With The Customer Service Department And Asked That They Only Contact Me Via Email Or Mail ; And They Continue To Call Me Repeatedly Everyday, Several Times A Day.
01/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75181	Web	Servicemember
The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.
12/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29485	Web	Servicemember
Conn 's home furnishing refuses to apply a {$400.00} payment to my account from XX/XX/2016. I have called several times, supplied documents, faxed documents and visited the store but they do not acknowledge the receipt of the payment. They received payment by ACH from XXXX. Failure to adequately report payment history according to FCRA.
02/07/2021	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	MS 386XX	Web
How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?
03/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75068	Web
I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.
09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78218	Web
Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..
07/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77377	Web
XX/XX/XXXX - Dispute collections reported line of credit for Conns amount {$19000.00} Account opened in XXXX. I did not open or apply for credit with Conns in XXXX. Explained this is not my account or my doing. Credit report was UPDATED to Closed Written off in XX/XX/XXXX. No one with Conns company will help clear this matter
05/04/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77346	Web
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AZ 85705	Web
This XXXX XXXX XXXX ... store that allows people to finance on ok credit is continuously submitting an inquiry into my credit and I have not authorized this. I applied once and they did the inquiry. I accepted that and never went back. Why are they still submitting inquiries on me. It is unauthorized Conns furniture XXXX Arizona
08/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75232	Web	Servicemember
XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.
06/25/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75062	Web
Conn 's continues to call my phone back to back after I gave an verbal request no to call me. They call ever hour two and three times an hour repeatly. I already had an issue last month where they submitted an unauthorized payment through my checking account, and at that I requested not to be called but they continue to call.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77382	Web
The account CONNS is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
02/20/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.
04/19/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78240	Web
Account is not opened like the Conns company claims. Debt being updated as open every month since 2014. It's been more than 7 years and debt was even charged 5 years ago. Conns is still trying to collect unknown amount which is hurting my credit. I am about to be XXXX because of this collection that continues being updated.
09/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 740XX	Web
I am aware that i am 5 days laye on a payment, but woth conns home plus if you are even 1 day late they will call you grom multiple numbers up to around 16 times between the hours of XXXX -XXXX even after talkinh with me and when i tell them ive already spoken sith someone that same day they usually become very rude with me
09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75237	Web
Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.
03/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76021	Web
I have set up automatic payments and they are set to coming out on every XXXX day of the month. This month I didn't come out after I set it up with my new bank account information. Conns have called me repeatedly 30 mins apart ( I have phone records to prove it ) and that is harassment! I have never been late this company!
01/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75006	Web
My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures
05/09/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CO 80211	Web
I have been getting calls from Conn 's starting at XXXX XXXX since Monday. They call both my home and my cell 6 times or more before noon. They have sent multiple emails, texts and continue to call. My payment was due Sunday. I'm only 1/2 a payment behind. I have a grace period. It's against the law to harass customers.
12/13/2018	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	TX 77073	Web
Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.
04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 802XX	Web
I have reached out to the creditor and the credit bureaus on multiple occasions. I have received no response. This account wads open XX/XX/2015, It is and outdated account that is reporting has charged off but has a negative balance. This account has been paid in full and is out of the statue of limitation of reporting.
07/22/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77088	Web
Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.
08/27/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 79938	Web	Servicemember
I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28277	Web
I paid this account on XX/XX/2022. ( email attached ). I asked the customer to UPDATE the credit report and they have NOT done so. I have also repeatedly requested for them to update. As of today. This account is still reporting Charged off XXXX in the amount of {$3600.00} and XXXX and XXXX status are also incorrect.
10/04/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 78641	Web
XXXX XXXX of XXXX and XXXX has sent me a letter with an attached example of the lawsuit he will file if I do n't make payment arrangements on a debt from XXXX/XXXX/2011, which is out of the statute of limitations. I 've responded numerous times to settle the debt and no response but further treat of legal action.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76063	Web
CONNS is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
01/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30909	Web
On XX/XX/2022, I consumer XXXX XXXX, sent CONNS XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. In that letter, I also demanded an audit trail of this account as well as a debt validation letter to exercise my rights as a consumer to validate this alleged debt.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29418	Web
I received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.
09/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 774XX	Web
I have asked the company to not call my phone before XXXX due to my work hours and can get into trouble when on the phone and instead of respecting my wishes they have started calling 7 times before XXXX. I have been reprimanded once for answering their calls during work already and they have continued to call.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27332	Web	Servicemember
I have paid this company on time with bills and it was managed by a 3rd party debt counseling. They reported a late payment when it was not late. Will attach screenshots of payments. I had around XXXX XXXX as a payment and it was completed, then another XXXX XXXX which was completed. There was no late payment.
07/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70131	Web
I have inquiries on my report for XXXX, XXXX, 2019 XXXX, XXXX, 2019 and XXXX, XXXX, 2019, as well as XXXX, XXXX, 2019 that I didn't not Authorize. Also, conns is continuing to report to my repot from XXXX, 2019 and I no longer have the merchandise it was returned to the store. I've sent emails and phone calls.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30310	Web
Im a identify theft victim, I have reported to these companies as well as the credit bureaus thats these are not my accounts. Neither show any interest of resolving this issue, I have submitted police report as well as ftc report still nothing. Ive ask for physical signed documents which hasnt been provided.
04/18/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 358XX	Web
This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.
08/28/2020	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 Investigation took more than 30 days	TX 76002	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
08/28/2020	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 Investigation took more than 30 days	TX 76013	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29406	Web
I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75044	Web
I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.
01/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77338	Web
XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76009	Web
I had debt from Conns I went online and it said the payoff was XXXX and a past due balance of XXXX. I paid the XXXX on XX/XX/XXXX. My bank posted payment on XX/XX/XXXX. They say they received it on XX/XX/XXXX but I am getting calls and e-mails that I owe XXXX dollars. They will not resolve this issue
02/26/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85013	Web
I have been paying this loan off for close to 2 years now, due to a medical emergency I missed one payment after paying on time for 2 years and have had dozens upon dozens of phone calls sometimes 10 a day from the company even after I've asked him to stop and explained when and how much I could pay
08/10/2023	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	TX 760XX	Web	Servicemember
I have a conn 's account showing on my XXXX credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}
01/30/2021	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 Was not notified of investigation status or results	TX 775XX	Web
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
12/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75206	Web
I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.
07/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89110	Web
As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.
01/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77327	Web
Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me
07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75063	Web
This debt was paid in full on XX/XX/19 for the amount of XXXX. Payments receipts attached below. Debtor is reporting false information on the report claiming it was settled for less than the amount owed. Communication was initiated to get the issue resolved but nothing has happened just yet.
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77064	Web	Servicemember
Repeated, continuous calls all day everyday as soon as I 'm 1 day late on my payment to Conn 'S and calls continue everyday, all day until payment is made. I could be just 1 fay past due and I get harassed. No other company does this to me, not even my mortgage lender or my car loan company!
09/07/2016	Yes	Credit card	Delinquent account	TX 782XX	Web
Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?
02/17/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78521	Web	Servicemember
Conn 's HomePlus store is trying to colectivo a debt or late payment of a installment loan. They call about 6 to 7 times a day. First call is always at XXXX. They are really bothering my home with so many calls. I told them to stop harassingme and my home with so many calls. Can you help?
06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77045	Web
called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.
01/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27804	Web
XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web
In Looking at my credit report I notice that it is showing several late payments. These companies that are reporting late payments and do not have written consent to report this on my credit report according to 15 USC 1681b. Please have this corrected and removed from my credit report.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78660	Web
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 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.
03/29/2020	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 Investigation took more than 30 days	TX 76137	Web
I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 1. ) XXXX XXXX XXXX 2. ) Conns XXXX XXXX. 3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
04/02/2021	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	TX 75067	Web
There is a credit inquiry from Conns XXXX. I didnt submit an application with Conns. I received an alert today XX/XX/2021 from XXXX XXXX, this inquiry is in my XXXX report. I sent en email to XXXX XXXX about this and am waiting to here back. After work I will request a credit freeze.
02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76063	Web	Servicemember
I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.
05/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77521	Web
XX/XX/XXXX I NOTICED THAT AN ACCOUNT WAS REPORTED ON MY CREDIT FILE BY CONNS WITH THE PAST DUE AMOUNT OF XXXX OPENED IN XX/XX/XXXX. I HAVE INFORMED CONNS THAT THIS ACCOUNT DOES NOT BELONG TO ME AND IS A DIRECT RESULT OF IDENTITY THEFT YET THEY STILL REPORT ONTO THE MY CREDIT FILE.
11/21/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 731XX	Web	Servicemember
For the past 2 months, calls all time of the day on house and my cell phone. They will not work with me on the day that I can pay something on my account. They want to know who's paying my bills since I can't pay them. Over 10 calls a day on house and 10 calls a day on cell phone.
09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AR 727XX	Web
I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.
06/03/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OK 74137	Web
I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.
12/28/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 782XX	Web
Constant harassing phone calls to me and my fiance by Conns. They are now calling my fiance 's phone number. She has told Conns repeatedly to stop calling her. They keep calling back from multiple numbers. If she blocks a number, she will get harassed from a different number.
12/17/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TX 76132	Web
Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.
06/20/2021	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	TX 78660	Web
Agreement was made to remove from credit report when final negotiations of payment which both parties were satisfied. Using almost scare tactics to cause me to settle or lawsuit would be brought against me. Settled with the agreement on amount and removed from credit report.
10/31/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73135	Web	Older American, Servicemember
We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.
11/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OK 730XX	Web
Conn 's Appliances is reporting a debt not owed and showing several different amounts owed on all three credit reports. It is important that Conn 's Appliances remain true to their 130-year history of quality customer service and satisfaction. This account was paid in full.
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37217	Web
I received a settlement letter from Conn 's furniture store, and paid the amount that was stated in the settlement letter, and paid the amount in the time the company asked. the account was closed and paid off. now the account is back open and the settlement is not honored.
01/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75237	Web
I sent a letter to CONN CREDIT CO for Account number XXXX asking for verification and original documention of contracts with my signature per FCRA. I was notified that this account was valid with no proof of verification or proof of fair and thorough investigation per FCRA.
08/31/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SD 57105	Web	Servicemember
after getting repeated calls about a 5 year old debt they wrote off as a tax write off without sending me a 1099 and after I told them " cease and desist all further communications between phone email or written immediately " they still harass me with multiple calls daily.
10/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77096	Web	Older American
Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. I do n't want them to damage my credit record.
09/11/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77340	Web
Never missed a payment for conns purchased new bed as an add on Was told at conns to tell them if they called payment would be due in XXXX and they keep calling up to 10 times a day!!!! I have screenshot of them calling back to back even after I told them to stop calling
12/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37013	Web
Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77498	Web	Servicemember
I contacted Conns on XXXX XXXX to notify thenm that my settlement on the account was paid in full in XXXX XXXX. They said it would take 30 days for their system to reflect the paid in full status. Since then I have continued to receive mail and phone requesting payment.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.
03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75002	Web
Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.
07/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 85225	Web
XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.
07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 850XX	Web	Older American
Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.
01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75134	Web
Altough I already have a existing account with the company that doesnt pretain to the siruation at hand. On XX/XX/2017 a non-requested, unapproved, identity theft hard inquiry or opened account was made by and through : CONN CREDIT CORP XXXX. XXXX XXXX XXXX, TX XXXX
08/05/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77095	Web
To whom it may concern Conns appliance Account number # XXXX is unlawfully according to 15 U .S 1681a is reporting false inaccurate statements to my consumer report in attempt to damage my Good name. Furthermore, I have no contract with this debt collection agency
09/25/2020	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 Investigation took more than 30 days	WI 53206	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
05/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77379	Web
I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.
01/27/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 762XX	Web
Conn 's started calling me XXXX XXXX a day in XX/XX/XXXX. I have no debt with Conn 's and asked that they mail me proof of what I owe and to communicate only through mail. They have continued to call twice every day in XXXX. I have received nothing in the mail.
07/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
SOMEONE USED MY INFORMTION TO OPEN CONN APPLIANCES WITHOUT MY CONSENT. I WENT TO XXXX XXXX POLICE DEPARTMENMT AND FILED A POLICE REPORT AND THEY DETERMINED THAT THE ACCOUNT DID NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CRDDIT PROFILE THANKS.
06/14/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	LA 70119	Web
Its the constant calling everyday for 3 months back to back. Attacking me for something I dont have control over at this point. Ive lost people, jobs and it all due to COVID. These people are very difficult to deal with. I really would appreciate it if it stops.
05/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85140	Web
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. XXXX XXXX XXXX XXXX as of XX/XX/2020 2020
05/23/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	TX 79423	Web	Servicemember
company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. ive attempted to call and ask why this happens but no-one can provide an explanation.
11/18/2021	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 Investigation took more than 30 days	TX 77014	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
06/13/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85138	Web
The company CONNS contacts me repeatedly every day of the week including sundays. They contact several hours in the day nonstop. The company calls from several numbers even if one day late the calls come repeatedly, text messages arrive and emails all at once.
08/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76053	Web
I have mailed dispute notice to Conns requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29303	Web
They continue to call my phone several time a day, i have a due date and and also have a date to pay more if its late. But this company call after one day pass the due date not the late date and they call all day they also use several different Phone numbers
06/04/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77020	Web
This account was first reported on XX/XX/2019 in the amount of {$1200.00}. The collection agency has harassed me through emails, phone calls and mail. I have disputed this erroneous information but their aggressive tactics to collect have only gotten worse.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77095	Web
Debt was paid. A letter of debt satification was provided to me. I have spoken to repesenative for the company and even provided the same Letter of Debt Satifaction. It been almost 2 years since the debt has been paid and it still reporting negative status.
07/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 751XX	Web
Purchased items however refused certain items upon delivery. I returned 2 end tables in the amount of XXXX each ( 2 ) and XXXX in the amount of XXXX. I was informed only credit for the amount will be of the items. However, the contract will not change.
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77073	Web
Conns XXXX. XXXX XXXX, XXXX, Texas are continuing to report an inaccurate charge off on my credit files as XX/XX/XXXX and XX/XX/XXXX. The original and only charge off was on XX/XX/XXXX. I've asked XXXX, XXXX and XXXX to correct this and they have not.
09/14/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29615	Web
I called the branch manager to speak with her about the collections department and she was very rude. I hung up on her and she continued to call me 13 times from XXXX to XXXX and I have the calls logs. This is plan harassments and needs to be resolved.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77433	Web
Conns XXXX is in violation of FCRA, 15 USC 1681m because I was never notified that an adverse reaction was going to be taken on my consumer reports. An adverse reaction of late payments on this alleged debt was reported on all 3 of my consumer reports.
04/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28273	Web
I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79924	Web
FRCA Violation credit card XXXX XXXX FRCA Violation loans CONN APPLIANCES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77498	Web
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75252	Web
ON XX/XX/2019 I SETTLED XXXX ACCOUNTS WITH CONNS. BOTH XXXX AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY XXXX HOWEVER IS STILL SHOWING XXXX OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
12/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 346XX	Web	Servicemember
Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action
06/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 731XX	Web
I was alerted that I had credit inquiries from someone trying to get credit under my name I notified the companies and the credit bureau that I had fraud and identity theft happening now they are refusing to take the credit inquiries off my credit
03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 293XX	Web
I contacted Conns home plus customer service after discovering that there were multiple accounts on my credit report that are no longer there. This is my second time calling and they were still unable to assist me with correcting this information
11/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
Try to contact this company for months and keep reporting inaccurate information to my credit report I sent letters no respond they can't validate it needs to be deleted there in violation of the fair credit act and the account needs to be remove
08/24/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77072	Web
So conn home plus be calling non stop after I told them to stop now they contacting one of my family members without my consent and I never gave them the number of my people I dont know how they got it and they be spamming my people phone number
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92509	Web
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
04/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC XXXXX	Web	Servicemember
bought a tv from conn 's XXXX XXXX in XXXX nc around XX/XX/XXXX XXXX it hasnt been 30 days XXXX the item is already having issues. i tried to fix this with the store XXXX headquarters. the store is not willing to refund me the money right now
12/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78230	Web
Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.
10/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 856XX	Web
This company begins calling me 1 day before my payment is due and then continues to call me 6-7 times daily until the balance is paid. I have never been more than 10 days late on a payment and continue to receive repetitive calls each month.
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
I did not make application to Conn 's XXXX XXXX XXXX. After XXXX investigated they agreed and stated they would remove inquiry Interview of my credit report it's still there. The removal was for XX/XX/2020 I have email to verify from conns
09/09/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	AZ 85745	Web
submitting a complaint with the CFPB To Investigate outstanding accounts with conns and past accts. I have added the account information below to the Conn installment loan I am inquiring about *CONN APPLIANCES INC account # XXXX XXXX XXXX
04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web	Servicemember
Conns Credit Corp has responded to credit dispute and still left late of 30 and 60 showing XXXX/XX/XX/2017. I filed bankruptcy in 2017 and was never late with Conns Credit Corporation. Please have them delete this from my credit report.
03/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77070	Web
I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 793XX	Web
I have been a victim of identity theft. Have been dealing with this on going for 14 yrs now. This being one of the accounts opened in my name. Never stepped foot in this establishment nor have i acquired services or goods from there.
04/30/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80909	Web
Starting the XXXX of every month conns calls up to 12 times a day on two different phone numbers. The out standing payment of XXXX dollars and change is due on the XXXX. This calling keeps up until the day after the payment is made.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 76180	Web
Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 759XX	Web	Older American
wrong address on my credit report i can not removed it because i would have to call conn appliances inc to remove it I never lived at this address XXXX XXXX XXXXXXXX XXXX XXXX texas XXXX can i sued them for doing this to me and the
02/08/2021	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	MS 395XX	Web
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, Violation Charge APR fees monthly after statement date
06/10/2022	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	LA 700XX	Web
I see and hard inquiry on my credit report that I don't know anything about from Conn 's appliances Inc phone number is XXXX their address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas it happened on XX/XX/202XXXX XXXX
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web
On numerous occasions I have called Conns and the credit bureaus and both of them will not comply. I am not liable for this debt. I do not have a signed contract for this debt and I have never done business with this company.
12/07/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 754XX	Web
Conns has called me times a day for a week straight from different numbers trying to collect a dept i agreed to pay this past Friday. But now in at the point ive been harassed by them and dont believe i owe them anything now.
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37804	Web
I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.
08/26/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39564	Web
This company keeps calling asking for a person named XXXX. The first call I answered today I informed them they have the wrong number. They continue to call about every hour insisting that I have a payment of {$160.00} due.
03/13/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NM 87111	Web
This company has contacted my employer, XXXX in the past. I served as an operator at the time and was I did not owe, and had my personal information. When I did not answer, they left personal information with my coworkers.
07/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38111	Web
i was a victim of identity theft and notified XXXX XXXX and XXXX. i also attached my police report and identity theft affidavit. XXXX and XXXX removed the fraudulent account but XXXX still haven't removed the accounts.
03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80203	Web
I receive calls 7 days a week, from XXXX.- XXXX from random numbers but same company. At times the calls can be anywhere from 15-30 minutes apart to 1 hour apart. This has been taking place for the last 10 months straight.
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29420	Web
I settled an account with Conn 's but my credit report is reflecting that I still owe a balance. I need this corrected ASAP. I called Conn 's and was told I needed to call XXXX. XXXX told me that I needed to call Conn 's.
12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77060	Web	Servicemember
Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.
02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77386	Web
I have reached out to Conn Appliances too inform them that is not my account, and they did not send me signed contact that I ask for or any information that this was my loan {$7400.00} Conns just put in on my Credit.
08/30/2019	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	TX 76002	Web
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 766XX	Web
If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.
08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TN 38018	Web	Older American
Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.
08/21/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TX 75904	Web
I have a documents showing paid in full as of XX/XX/2021. Numerous attemps to send the documents that Conn 's Furniture sent me they will not take this off my credit and will not stop emailing me to make payments.
03/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38018	Web
This account was suppose to be deleted this account was a result of identity theft. Other credit bureaus deleted the information and XXXX failed to remove and I have sent Police report and Identity Theft report.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77026	Web
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA XXXXX	Web	Servicemember
Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.
01/26/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 760XX	Web
CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.
11/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90732	Web
Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.
08/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78212	Web
They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.
11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75243	Web
I am a victim of Identity theft. I have followed all procedures with FTC I did not open no accounts with Conns. I have no knowledge of the account I would like for XXXX XXXX to remove from my credit report.
11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 708XX	Web
Contact this company for months and got no, respond sent letters no respond ask them to validate this debt no respond I need them to delete this account asap there in violation do to the fair credit act
05/04/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28215	Web
Conns home store calls my phone every days multiple times a day from different numbers. I've asked them to stop calling me, and they still continue to call me. They call me at least 2- 3 times per hour.
09/20/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30813	Web
I have told Conns debt collectors not to call me on Sundays that it was very inconvenient and they still called me 3 times today XXXX..after the third call I restated to conns not to call me on Sunday
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75204	Web
I checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.
10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75104	Web	Servicemember
Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.
09/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76036	Web
XXXX 's showed up on my credit acct number XXXX on XX/XX/18 with amt od {$0.00} please have them remove this acct. I do have a XXXX acct but it is a different acct number and this one is not mine
12/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76116	Web	Servicemember
Conn 's Home Plus Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the Conn 's web site. This is also being reported incorrectly to XXXX and XXXX.
05/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77072	Web
I have been trying to get a validation of debt from CONNS CREDIT CORP si nce XXXX XXXX still no luck I have sent many dispute letters through all credit bureaus never received a answer
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77388	Web
There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 381XX	Web
My account status on my XXXX report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. Acct : XXXX
07/26/2022	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	TX 78130	Web
I did not add any new credit inquiries to my conns report. One showed up in XXXX and I recently got another that should not be there. Please help to remove the inquiries hard credit pulls
12/20/2017	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	TX 78744	Web
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
Conns XXXX XXXX is reporting my account is pass due when a payment in the amount of XXXX was made on XX/XX/2022 before XXXX pm central. Also, reporting my account balance increased XXXX.
03/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38115	Web
Conns has stated that I owe {$4100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Conns has not attempted to help me resolve this issue.
08/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 89102	Web	Servicemember
CONS HOME PLUS IS THREATING TO TAKE LEGAL ACTION AGAINST ME FOR ACOUNT # XXXX. MY MONEY IS FROM SSDI WHICH IS FEDERALLY PROTECTED BY LAW. I WISH THEY WOULD NOT BOTHER MY ANY FURTHER.
08/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web	Servicemember
Conn APPLIANCES on XX/XX/2017 {$2800.00} this company is trying collect money from me that i dont owe this is a duplicate account they keep reporting it to credit bureau every month
07/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 740XX	Web
Conns is reporting to my XXXX credit report that I have 2 accounts showing as " FP '' these account are included in a bankruptcy and the status on my credit reports are incorrect.
08/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 707XX	Web
Phone call after phone call all day. Being told they going to take action against us. Refusing payment when we try to make it. Saying that's not good enough we need it now period
12/30/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85295	Web
Conn 's rep called 4 times per day even after I paid the bill Conn 's is known to charge you {$2000.00} and actually report you owe {$4000.00} on furniture Harrassed me at my job
06/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 77054	Web
I recieved a adverse action via email from CONNS XXXX INCXXXX @ XXXX PM. I am the natural person, consumer, original creditor I can not be denied my own extention of own credit.
04/26/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27403	Web
Conns furniture store calls me more than 5 times a day. I have blocked so many numbers and the repeat call all day. I have told this company that several changes were not mine.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78577	Web
Ive been disputing this account and is still reporting inaccurate information on my consumer report, please remove this account from all credit reporting agencies immediately.
07/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78724	Web
Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.
06/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87121	Web
They call up to 38 times a day even after payment arrangements are made and they say they will not contact they use XXXX numbers and local numbers sometimes every 15 minutes
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 386XX	Web
Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	NC 27302	Web
Conn 's XXXX recieved a claim to verify an alleged debt. Pursuant to 15 usc 1692g ( 4 ) as of XX/XX/2021 I have not seen nor am I aware of the validity of the alleged debt.
12/02/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 730XX	Web
Conns keeps calling my family members and illegally disclosing details of my debt. They also frequently call 10-12 times a day at all hours on the same day the bill is due.
09/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77375	Web
XX/XX/2020 I was struggling called I called covid-19 and I tried to work the problem out with him but no response harassing me making threats what they going to do to me
12/05/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 808XX	Web
Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.
01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77007	Web
cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent
11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77063	Web
There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71360	Web	Servicemember
Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX XXXX and now I am on a set income from the government and deemed totally XXXX
11/04/2020	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 Investigation took more than 30 days	TX 75503	Web
I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
01/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76028	Web
I am disputing the Conn 's tradeline for two of my accounts. This company has re-aged this account according to the correct DOFD from the credit reporting agencies.
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 293XX	Web
Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.
11/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91739	Web
I account was opened under my name without my permission. I was a victim of identity theft. I contacted Conns to let them know and the account has not be removed.
03/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 775XX	Web
I am not supposed to owe XXXX for the items that I purchased. The numbers were fabricated and this being on my Acct is slowing me down from repairing my credit.
04/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web
The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.
01/07/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 751XX	Web
This company contacts me multiple times per day. Exceeding 8 times. I tell them and ask to stop being contacted. Yet they still contact several times per hour.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70461	Web
Conns Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78212	Web
I get phone calls from conn ' s corporation several time a day they usually call from 4 different numbers calling me at least 5 times or more with in an hour.
06/02/2020	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 Investigation took more than 30 days	LA 714XX	Web
I HAVE FILED A DISPUTE IN REGARDS WITH THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS & I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
Conn 's Credit profile that's listed on my credit profiles should be removed. This account is over 10 years old and this account was paid in full as agreed.
03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77373	Web	Older American
company keep calling me about another person debt on my job. They are very rude and want to argue with me when I tell them they have the wrong phone number.
06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78245	Web	Servicemember
I recently had a death in the family. And i am only behind XXXX. Me and my wife receive between XXXX calls a day. Some times we will get them back to back.
12/25/2021	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 Investigation took more than 30 days	LA 70809	Web
I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70506	Web
Conns home plus is reporting a late payment for XX/XX/2020 when in fact I paid them 2 payments in XXXX. This needs to be removed from all credit reports.
01/22/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	TN 377XX	Web
Conn 's has repeatedly called before XXXX & after XXXX. They did so again today, XX/XX/2020 at XXXX. I've asked them repeatedly to stop, but they don't.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78223	Web
The defective item was returned in XX/XX/2018 upon an agreement that the account would be credited, thus nothing was due after that time to report late
08/25/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78640	Web
Conns called me over 3 times a day from different phone numbers in attempts to collect debt. Did not stop until I was forced to change my phone number.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85040	Web
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$400.00} Reason : Identity theft Please remove it from my Credit Report.
11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85304	Web
this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome
09/19/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	TX 78418	Web
Conns keeps calling me, My wife and I have both told them we need our tv and couch repaired and we will make a payment. they refuse to warranty them
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
04/01/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 35806	Web
I purchased a refrigerator from XXXX XXXX XXXX over a year ago, the account was paid in full. I have no idea why they keep calling me repeatedly.
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	TX XXXXX	Web
I had things my mother helped me pay off atleast two things anyways she paid them off and they styll have it up on my credit as not paid .... ;
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web
I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.
01/15/2020	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 Investigation took more than 30 days	TX 752XX	Web
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30705	Web
Con furniture store did a hard credit check when I was told they were doing a soft one.It even states on their web site they do soft ones only
12/04/2023	Yes	Credit card Store credit card	Incorrect information on your report Account status incorrect	TX 75662	Web
This is being reported as a personal loan and it is a card for store credit card. They have received payment and have not updated my account.
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TN 37920	Web
Someone stole my identity using it open several accounts including renting a home online thru XXXX XXXX for rent renting furniture from conns
12/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78503	Web
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 707XX	Web
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
03/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33028	Web
Sent letters to validate this debt for 8 months. haven't heard anything about the the bureaus. this information is not accurate & not valid
06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 78240	Web
Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.
12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 378XX	Web
I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.
09/21/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 78130	Web
Excessive phone calls, typically once or twice every hour, sometimes up to twenty times per day. When I answer, it is an automated message.
09/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78244	Web
They will call from XXXX number i will ignore so 15-30 minutes later they will call again. Conn 's will call me no less than 5 times a day.
06/27/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79938	Web	Servicemember
Every day for last two weeks Conns Furniture calls me looking for my ex-wife, I provide them with her number yet they call me repeatedly.
09/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77077	Web
Keep calling my phone and having unknown people coming to my home and just threading me on a regular basis.This company is call XXXX XXXX
02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77511	Web	Servicemember
Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily
07/19/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78504	Web	Servicemember
Company calls both me and emergency contact 8 times a day, 7 days a week, from XXXX to XXXX anytime i miss a payment by 2 or more days.
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
CONNS is claiming that I owe them {$2900.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75181	Web
Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled
12/29/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ XXXXX	Web
I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.
10/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85226	Web
The day of my payment or a day after, I receive multiple pre-recorded or phone calls from live people requesting that I call Conn 's.
07/19/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77004	Web
They sent a letter stating they were a law firm representing A company. And at the bottom of the letter attempted to collect a debt.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36109	Web
I was paying on time with all of my bills but I was involved in a bad accident and still was paying but they reported me being late
10/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28306	Web	Servicemember
Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.
12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37803	Web
They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.
01/21/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	AZ 85202	Web
This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.
09/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85225	Web
The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.
02/09/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79705	Web
One day past due on the payment so Conn 's calls 10 or more times a day. Ive asked them to please stop calling me so many times.
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77479	Web
Received a call stating I owed a balance and I have never bought anything at Conns. They would not give me anymore information
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/18/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73013	Web
This company calls me 3-5 times a day. Sometimes back to back. That is more than 7 in a week. It is harassing at this point.
10/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 38018	Web
The account has be charged off consumer still reporting late payments after letting the know im affected by COVID-19 issues
09/26/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75052	Web	Servicemember
I have sent three letters via registered mail in order to obtain information. Each request for information goes unanswered.
11/01/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TX 76002	Web
Wrongful amount owed Settlement was offered and paid. Still contacting me saying I didn't pay I don't owe no {$1000.00}
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77071	Web
I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees
02/26/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NV 89148	Web
company continues to call several times a day starting from XX/XX/2018 at least 5 or 6 times a day Conns Furniture Store
05/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27105	Web
They have called more than 7 times in less than 24 hours. 7 times in one day and then an 8th can the following morning.
11/01/2022	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	TX 76011	Web
I have reached out to the 3 major credit bureaus to take off inquiries and reporting miss information on my credit.
10/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29841	Web
I have received notification that there 's a late payment on my credit report and I have paid on time every time.
01/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Older American
XXXX An unexpected Payment book arrived in U.S. Postal mail. I nor wife have ever shopped at Conn 's Appliance.
07/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NM 87120	Web	Older American
When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77301	Web
I paid all the way up until the end now this company is stating I owe $ XXXX This is a scam. Please help me
09/24/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 278XX	Web
Conns is reporting this high debt thats not owe please remove this debt this is definitely identity theft
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 751XX	Web	Older American, Servicemember
I bought on credit some furniture and they start callin the day its due and every day 5-6 times every day
05/26/2020	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	TX 76706	Web
Disputed XXXX accounts are sold and never reported in remarks .Still reporting limits and balances.
06/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web
They have failed to give me a chance to dispute the debt nor have they provided validation of debt.
09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77035	Web
They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!
07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TN 37115	Web
Conns contact me doing church doing my job after XXXX and they call me at least 7 to 8 times a day
10/24/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	LA 706XX	Web
Conns took a payment of XXXX out of my bank account for an account that was already paid in full.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85705	Web
My identity was stolen and now I have hard inquiries on my credit report that werent authorize.
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75241	Web	Servicemember
CONNS HAS FAILED TO PROVIDE VERIFICATION OF ACCOUNT WITH A SIGNATURE AFTER NUMEROUS ATTEMPTS.
08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76119	Web
I mailed out Dispute letters about the debt and all the other wrong info on my credit report
05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 789XX	Web	Older American, Servicemember
I dont know why they call 10 15 times a day. I have never bought anything from this company
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29316	Web
Conns is illegally reaging an account on my XXXX credit report and my XXXX credit report.
11/10/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 805XX	Web
I have asked them to contact me via email but the call 15 times a day and leave no message.
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
Notified company that the information being reported is not accurate and should be removed
01/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75218	Web
HARRASMENT CALL SUN LATE AT NIGHT EARLY IN THE MORING XXXX XXXXCONNS THIS PEOPLE ARE NUTS
10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts
12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76053	Web
XXXX times per day, sometimes several different phone numbers even if just 1 day late.
11/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Web
XXXX account XXXX furniture company Conns company Are ID Theft and need to be removed
01/11/2018	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	TX 75067	Web
First XXXX and my last name not right on my credit report hard inquiries not matching
01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77082	Web
They are calling 20 times a day to collect a debt. I 've asked them to stop calling.
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76226	Web
XX/XX/2022 I received an alert someone attempted to open an account with Conn 's.
03/25/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78223	Web
Receiving 3 calls from different numbers in the same hour from the same Merchant.
12/11/2020	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	TX XXXXX	Web
On XXXX, there is a unauthorized inquiry from Conn 's on my XXXX credit report.
12/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
Conns have placed over 7k on my credit file due to someone stealing my identity
10/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76112	Web
On XX/XX/2018 I sent in a letter requesting for deletion because of inaccuracy.
05/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75771	Web
This company has provided poor customer service and sold me adefective product
09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OK 73112	Web
Conn 's has called me XXXX times today, and at least 3 times every single day.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web	Servicemember
Conn Appliances Inc {$2700.00} Account opened fraudulently on XX/XX/XXXX XXXX
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77373	Web
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME
08/04/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76020	Web
I get calls ev eryday 6 or more tim es a day they start at XXXX until XXXX
04/27/2023	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	NY 13069	Web	Servicemember
According to NY Law, this company is not allowed to come after me or sue me.
03/05/2020	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 Investigation took more than 30 days	TX 77433	Web
its on the ftc attached the ftc violations and names conns and XXXX XXXX
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70122	Web
Ive contacted the companies and tried to resolve the matter still nothing
08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79424	Web
Up to twelve phone calls a day after being advised to stop calling
02/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85205	Web
I have been getting calls on my cell phone for someone elses debt
03/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85268	Web
Frauddently inputrrrd info not true conns credit dates XXXX XXXX
03/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29710	Web
This company continues to call and send letters in the mail.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75067	Web
Account is reporting different data across all XXXX bureaus.
01/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 776XX	Web
we had an agreement that they would remove my late payments
07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28227	Web
call and call and call repeatedly and calling me at work
08/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77571	Web	Servicemember
after explaining my situation. I get calls every hour
07/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 270XX	Web
never received any late noticed or phone callor email
09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NM 88030	Web
XXXX CONNS IS NOT MY ACCOUNT ITS BEING REPORTED XXXX
09/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53218	Web
I have no recollection of this debt, it is not mine
06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78259	Web
COMPANY REPORTED THIS ITEM AS A LINE OF CREDIT DEBT
09/07/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77044	Web
Conns reporting false information on late payments
10/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 73034	Web
repetitious phone calls intended to annoy or abuse
03/30/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85138	Web
Multiple calls a day from different phone numbers
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77301	Web
Someone opened an account at conns got furniture.
12/26/2018	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 Investigation took more than 30 days	TX 77025	Web
sent ftc and police report items are not mine
05/23/2018	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	TX 75051	Web
XX/XX/2017 REPORTING AN INQUIRY ON MY REPORT
03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75149	Web
i mailed letters to bearus but no response
04/19/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77459	Web
repeated calls after i told them to stop
10/28/2018	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	TN 37086	Web	Servicemember
I did not authorize these inquiries
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web
This account does not belong to me
02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76542	Web	Servicemember
They call every hour 7 days a week
08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AZ 85379	Web
Called outside legal hours
01/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web
This is not mines debt
03/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
never got account open
02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77566	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33032	Web

01/29/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75051	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10468	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78247	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80120	Web

01/19/2024	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	FL 34221	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70043	Web

01/19/2024	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 75205	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70056	Web

01/18/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	TX 78046	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

01/15/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	FL 337XX	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80219	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94565	Web	Servicemember

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85085	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85085	Web

01/09/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 712XX	Web	Servicemember

01/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70043	Web

01/08/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	LA 705XX	Web	Servicemember

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77073	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71106	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78501	Web	Servicemember

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28098	Web

01/01/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70117	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75001	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85248	Web

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38127	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	CA 94565	Web	Servicemember

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28803	Web

12/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	OK 74105	Web

11/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	TX 77612	Phone

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77493	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89119	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78332	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78332	Web

11/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77054	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33647	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28625	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76135	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27310	Web

10/27/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75050	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78628	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77516	Phone

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19702	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76140	Postal mail

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75217	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23666	Web	Servicemember

10/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77586	Web

09/30/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85201	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77015	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94509	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78212	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70812	Web

09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	LA 70507	Phone

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78664	Web	Servicemember

08/30/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77449	Web

08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Information is missing that should be on the report	TX 75038	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77060	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

08/19/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 28269	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89104	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75252	Web	Servicemember

08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85206	Phone

08/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34759	Web

07/23/2023	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	TN 37754	Web

07/23/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70501	Web

07/12/2023	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	VA 23323	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 74134	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77070	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70508	Web	Servicemember

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89142	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80012	Phone

06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77379	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web

06/15/2023	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 Investigation took more than 30 days	TX 78109	Web

06/11/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NC 27801	Web	Servicemember

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76013	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27301	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28203	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28215	Web

05/28/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 38632	Web	Servicemember

05/26/2023	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 Investigation took more than 30 days	TX 78264	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70072	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75126	Web

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	TX 76063	Web

05/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39232	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77022	Web

05/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78225	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77072	Web

05/03/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27919	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80906	Web	Servicemember

04/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 16682	Web

04/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32506	Web

04/24/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 36605	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77521	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77705	Web

04/19/2023	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 28212	Web	Servicemember

04/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32805	Web	Older American, Servicemember

04/18/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80504	Web

04/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28115	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10306	Web

04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30326	Web

03/21/2023	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 28262	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85742	Phone

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77072	Web

03/15/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85339	Web

03/15/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77301	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28356	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15221	Web

03/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 38109	Web	Servicemember

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29649	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35758	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78589	Web

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77498	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28625	Web

02/27/2023	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	TX 77520	Web	Servicemember

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

02/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77705	Web

02/14/2023	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	TX 78415	Web

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

02/08/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Unexpected or other fees	TX 78223	Web

01/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web

01/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75243	Web

01/24/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 27330	Web

01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85042	Web

01/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85138	Web

01/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web

01/11/2023	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	TX 76177	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33604	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75254	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75204	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77384	Web

01/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NM 87123	Web

01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web	Older American, Servicemember

12/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71463	Web

12/19/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75206	Web

12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29706	Web	Servicemember

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77044	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37214	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NC 28269	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77864	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77042	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 713XX	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

11/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28601	Referral

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89107	Web

11/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 73135	Phone	Servicemember

11/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85016	Web	Servicemember

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89052	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75043	Web

11/07/2022	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	TX 75070	Web

10/31/2022	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	TX 77015	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70606	Web

10/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 75092	Web

10/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77336	Phone

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 32807	Web

10/03/2022	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	TX 77033	Web

09/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NC 28215	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39213	Web	Servicemember

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76667	Web

09/14/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	TX 77015	Phone	Older American

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75104	Web

09/13/2022	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 Their investigation did not fix an error on your report	TX 75287	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29720	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77345	Web

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

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77327	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77568	Web

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75684	Web

08/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75110	Web

08/26/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75051	Web

08/15/2022	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 Their investigation did not fix an error on your report	LA 70506	Web

08/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89133	Web

07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85710	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web

07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web

06/29/2022	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	TX 77304	Web

06/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80010	Phone

06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78064	Web

06/17/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28390	Web

06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77713	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web

06/09/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77029	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78540	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web

05/30/2022	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 Their investigation did not fix an error on your report	TX 77562	Web

05/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78230	Web

05/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75146	Web

05/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web

05/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76667	Web

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89119	Web

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38118	Phone

05/03/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web

05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71463	Web

04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77045	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76123	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77586	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85138	Web

04/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77545	Phone	Older American

04/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36109	Referral

04/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76107	Referral

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75060	Web

04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73071	Web

04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30094	Web

04/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37229	Web	Servicemember

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75219	Web

04/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77090	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80831	Web	Servicemember

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75202	Web

03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

03/18/2022	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 Their investigation did not fix an error on your report	TX 75052	Web

03/18/2022	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 Their investigation did not fix an error on your report	VA 22406	Web	Servicemember

03/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75212	Web	Older American

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34986	Web

03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38104	Web

03/01/2022	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 Investigation took more than 30 days	TX 77407	Web

03/01/2022	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 Their investigation did not fix an error on your report	TX 75243	Web

02/28/2022	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 Investigation took more than 30 days	TX 75232	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85050	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76548	Web	Older American, Servicemember

02/24/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70062	Web

02/24/2022	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	AZ 85233	Referral

02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75070	Web

02/21/2022	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 Investigation took more than 30 days	TX 77433	Web

02/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NC 28269	Referral

02/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75158	Web

02/15/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 71105	Web

02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 775XX	Web

02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75051	Web

01/20/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30350	Web

01/11/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76017	Web

01/10/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75074	Phone

01/04/2022	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 Their investigation did not fix an error on your report	TX 75237	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77365	Web

12/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78648	Web

12/23/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76162	Web	Older American

12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75023	Web

12/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76065	Web

12/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 75354	Web

12/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AZ 85340	Web

12/16/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28269	Web

12/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29485	Web

12/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70503	Web

12/09/2021	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	TX 79103	Web

12/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38018	Web

12/03/2021	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 Investigation took more than 30 days	TX 75219	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77386	Web

11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 856XX	Web

11/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75217	Web

11/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80237	Referral

11/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38141	Web

11/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37042	Phone	Servicemember

11/16/2021	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 Was not notified of investigation status or results	TX 76014	Web

11/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85296	Web

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78108	Phone

11/04/2021	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	NC 27609	Web

11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web

11/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60171	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22033	Web

10/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CO 80906	Web	Servicemember

10/25/2021	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	TX 77446	Web

10/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75234	Web

10/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web

10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28214	Web

10/05/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 27611	Web

10/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web

10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web	Servicemember

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73120	Web

09/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 455XX	Web

09/22/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75212	Web

09/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71118	Web

09/19/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 28213	Web

09/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web

09/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77095	Phone

09/13/2021	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	NC 28278	Web

09/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OK 73127	Referral

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38134	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77080	Web

09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75287	Web

09/02/2021	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 Investigation took more than 30 days	AL 35235	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75287	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web

08/30/2021	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	LA 70767	Web

08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85029	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85015	Web

08/10/2021	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	TX 78566	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78727	Web	Servicemember

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77079	Web

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web

07/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web

07/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29649	Referral

07/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77047	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38671	Web

07/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 811XX	Web

07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75104	Web

07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77701	Web

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77087	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77011	Web

07/12/2021	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 Investigation took more than 30 days	TX 77489	Web

07/09/2021	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	TX 78526	Web

07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 374XX	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28269	Web

07/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85033	Web

07/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77028	Web

06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79707	Web

06/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27105	Web

06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38671	Web

06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89149	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70538	Web

06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 295XX	Web

06/17/2021	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information belongs to someone else	TX 75901	Web

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79706	Web

06/16/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 74115	Web

06/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75240	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77049	Web

06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85345	Web

06/14/2021	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 Was not notified of investigation status or results	NC 28358	Web

06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79938	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85033	Web

06/10/2021	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 Was not notified of investigation status or results	TX 77067	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76119	Web	Older American, Servicemember

06/08/2021	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 Was not notified of investigation status or results	LA 70601	Web

06/08/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75051	Web

06/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76119	Web

06/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77379	Web

06/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29445	Web

05/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web	Servicemember

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web

05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

05/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web

05/06/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	NC 27332	Phone	Older American

05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77449	Web	Servicemember

05/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

05/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web

04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70570	Web

04/28/2021	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	TX 75002	Web

04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74146	Phone

04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78501	Web

04/23/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 77041	Web

04/21/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76705	Web

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95209	Postal mail

04/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75604	Web

04/06/2021	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	NC 27513	Phone

04/05/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78606	Phone

03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

03/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36110	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 76065	Web

03/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75230	Web

03/13/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AR 72576	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77008	Web

03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39209	Web

03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43207	Web

03/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76052	Phone

03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38834	Web

02/23/2021	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 Investigation took more than 30 days	TX 76140	Web

02/18/2021	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	TX 79927	Web

02/11/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28262	Web

02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78414	Web

01/27/2021	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	NV 89433	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77055	Web

01/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78596	Web

01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85138	Web

01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85281	Web

12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28278	Web

12/23/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77338	Web

12/14/2020	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	TX 77037	Web

12/10/2020	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	TX 75791	Web	Servicemember

12/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85396	Web	Servicemember

12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76522	Web

12/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Fax

11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37128	Web	Servicemember

11/24/2020	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 Investigation took more than 30 days	TX 76542	Web

11/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28205	Referral

11/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 54563	Web	Older American

11/21/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	SC 29615	Web

11/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web

11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89142	Web	Servicemember

11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73162	Web

11/14/2020	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 29209	Web

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Fax

11/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77063	Fax

11/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77083	Web

11/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70806	Web

11/07/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77007	Web

11/06/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan		Phone

11/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89141	Web

11/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77051	Fax

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28105	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77407	Web

10/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web

10/19/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NC 28212	Web

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web

10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web

10/12/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77077	Web

10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70807	Web

10/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76133	Referral

10/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	TX 75063	Web

10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85353	Web

09/30/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77619	Web	Servicemember

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77573	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77511	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32790	Web

09/23/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77084	Web

09/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75287	Web

09/17/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	TX 75011	Postal mail

09/17/2020	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 Investigation took more than 30 days	NC 28227	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77051	Web

09/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70806	Web

09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web

09/06/2020	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	LA 71303	Web

08/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77545	Web

08/26/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77840	Web

08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80239	Web

08/24/2020	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	TX 77498	Web	Servicemember

08/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77619	Web

08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77070	Web

08/11/2020	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	LA 70601	Web

07/31/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28134	Web

07/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77067	Web

07/18/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	UT 84045	Web	Servicemember

07/12/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70764	Web

07/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75216	Web

07/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75835	Referral

07/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MS 39272	Web	Servicemember

07/02/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79936	Web

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75134	Postal mail

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web

06/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85004	Web	Servicemember

06/24/2020	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Old information reappears or never goes away	TX 75062	Web

06/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web	Servicemember

06/17/2020	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 Investigation took more than 30 days	LA 70130	Web

06/17/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77328	Web

06/16/2020	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	TX 77516	Phone

06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75056	Web

06/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71118	Web

06/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75244	Web

06/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85392	Web

05/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38016	Fax	Servicemember

05/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38115	Fax

05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78665	Phone

05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87506	Web

05/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan		Phone

05/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85138	Postal mail

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34108	Web

05/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77377	Web	Servicemember

05/07/2020	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	TX 77015	Web

04/22/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37865	Web	Servicemember

04/16/2020	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	TX 77379	Web

04/13/2020	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	TX 75230	Web

04/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27215	Web

03/30/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	AZ 85037	Web	Older American, Servicemember

03/26/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77396	Web

03/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77016	Web

03/26/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78230	Phone

03/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85379	Web

03/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78045	Web

03/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77385	Web

03/06/2020	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	TX 770XX	Web

03/03/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79925	Web

03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 75024	Web

02/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38018	Web

02/28/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78570	Postal mail

02/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 23666	Web

02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

02/20/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone	Servicemember

02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77516	Phone

01/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75067	Web

01/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70805	Web

01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78748	Web

01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75126	Web	Servicemember

01/05/2020	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	TX 78245	Web

12/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else		Phone

12/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77379	Web

12/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NC 27408	Web

12/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77583	Web

12/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78516	Web

12/06/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone	Servicemember

12/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78332	Web

12/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

11/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29316	Postal mail

11/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89086	Web

11/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76155	Web

11/13/2019	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	TX 77088	Web	Servicemember

11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web

11/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77014	Referral

10/30/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web

10/26/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32909	Web

10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75216	Web

10/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85338	Referral

10/24/2019	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	TX 78247	Web

10/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75180	Web

10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77303	Phone

10/11/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77015	Web

10/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80015	Web

10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77079	Web

09/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77339	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 76063	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76063	Web

09/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75043	Web	Servicemember

09/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77573	Web

09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78209	Phone

09/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85257	Web

08/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77662	Phone

08/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77545	Web

08/06/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78660	Web

08/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76009	Phone

08/01/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

08/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53406	Phone	Servicemember

07/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 76574	Web

07/27/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 78130	Web

07/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77386	Web

07/18/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75006	Web

07/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27105	Web	Servicemember

07/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 75146	Web

07/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TN 37115	Web

07/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75052	Web

07/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75052	Web

07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76021	Web

06/26/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28216	Web

06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75093	Web	Servicemember

06/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

06/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80203	Web

06/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76053	Web

06/03/2019	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	LA 70791	Web

06/03/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TX 76248	Referral

05/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 75056	Web

05/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43431	Web	Servicemember

05/15/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74126	Web

05/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76133	Web

05/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94509	Web

05/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Web

04/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78504	Web

04/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75216	Referral

04/22/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls		Phone

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75050	Web	Servicemember

04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70764	Web

04/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 79118	Web	Servicemember

04/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	VA 23075	Phone	Older American

04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76039	Web

04/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CO 80840	Web	Servicemember

04/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

04/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 74135	Web

03/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77045	Web

03/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77006	Web

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 88063	Web	Servicemember

03/22/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75149	Web

03/21/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77346	Web	Servicemember

03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77518	Web

03/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 31054	Web

03/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85032	Phone

03/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87068	Web

03/12/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 79416	Web

03/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38058	Web

03/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Phone	Servicemember

03/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89117	Web

03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38118	Phone

02/22/2019	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TX 75089	Web	Older American

02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77414	Web

02/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75287	Web

02/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77016	Web

02/09/2019	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	TX 77549	Web

02/01/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 78254	Web

02/01/2019	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	TX 77459	Web	Servicemember

01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70816	Web

01/15/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76123	Web

01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

12/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38111	Web

12/28/2018	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	TX 75246	Web

12/23/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75241	Web

12/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78223	Web

12/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report		Phone

12/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77007	Web

12/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	Web

12/11/2018	Yes	Credit card or prepaid card Store credit card	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85716	Phone

12/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75063	Web

12/09/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71220	Web

12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75063	Web

11/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NM 88012	Phone

11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78418	Web	Servicemember

11/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77414	Web

11/03/2018	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	TX 77630	Web	Servicemember

11/02/2018	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	TX 77632	Web	Servicemember

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

10/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78660	Web

10/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 741XX	Web	Older American, Servicemember

10/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76210	Web

10/12/2018	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	MS 39056	Web	Servicemember

10/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78041	Web

09/26/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 78232	Web

09/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

09/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75150	Web

08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 73106	Web

08/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

08/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

08/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77210	Web

08/06/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76058	Web

08/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78239	Phone

08/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web

07/31/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78245	Web

07/21/2018	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	TX 75212	Web

07/20/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 75032	Web

07/19/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77048	Web

07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77571	Web	Servicemember

07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77058	Web

07/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75039	Web

07/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76039	Web

07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78258	Web

07/07/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20001	Web

06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75704	Web

06/18/2018	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	TX 77044	Web

06/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77012	Web

06/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web

05/22/2018	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	AZ 85706	Web

05/21/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75019	Web

05/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48216	Web

05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70563	Web

05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75252	Web

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07660	Web	Servicemember

04/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 77025	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75057	Web

04/09/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75231	Web

04/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 79936	Phone

04/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77328	Web

03/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77546	Web

03/21/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76112	Web

03/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75056	Web

03/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77346	Web

03/09/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77082	Web	Servicemember

03/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70126	Web

03/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76028	Web

03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77375	Postal mail

02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75038	Postal mail

02/26/2018	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80204	Web

02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76017	Web

02/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75201	Web

02/19/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89118	Web

02/16/2018	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 Investigation took more than 30 days	TX 77373	Web

02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77016	Web	Servicemember

02/15/2018	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	TX 79838	Web

02/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	TX 78577	Web

02/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85298	Web

02/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

02/14/2018	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 Investigation took more than 30 days	TX 77016	Web	Servicemember

02/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AE 09096	Web	Servicemember

02/10/2018	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	TX 76087	Web

02/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77015	Web

02/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75240	Web

02/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75249	Postal mail

01/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94550	Web

01/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78577	Web

01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78222	Web

01/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

01/20/2018	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	TX 75951	Web

01/13/2018	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	TX 77433	Web

01/12/2018	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	TX 77489	Web

01/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79423	Web

01/11/2018	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	CA 91316	Web

01/07/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77044	Web

01/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid		Phone

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76137	Web

01/01/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80903	Web

12/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77584	Web

12/26/2017	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	TX 75791	Web

12/20/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85306	Web

12/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 87124	Web

12/10/2017	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	NC 27703	Web

12/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75212	Web

11/30/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80015	Web

11/24/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76205	Web

11/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77004	Web

11/16/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78254	Web	Servicemember

10/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75051	Web

10/25/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

10/20/2017	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	TX 76001	Web

10/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

10/03/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78741	Web

10/02/2017	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	TX 75287	Web

09/28/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 78640	Web

09/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70817	Web

09/11/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77073	Web	Servicemember

09/05/2017	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	SC 29650	Web	Servicemember

08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77388	Web

08/28/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78255	Web

08/25/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85295	Web	Servicemember

08/14/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28213	Web

08/05/2017	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76148	Web

07/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78130	Web

07/30/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 78737	Web

07/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29505	Web

07/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web

07/19/2017	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	MS 38655	Web

07/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78559	Web

07/13/2017	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	TX 76017	Web	Servicemember

07/11/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74146	Web	Servicemember

07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77656	Web

07/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NC 27030	Web

06/30/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 87059	Web	Servicemember

06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77598	Web

06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75169	Web	Servicemember

06/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77096	Web

06/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89117	Web

06/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78227	Web

05/22/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TN 38111	Web

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80126	Web

05/18/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77396	Phone

05/16/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28114	Phone

05/13/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78613	Web	Servicemember

05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76123	Web

04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85326	Web

04/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76049	Web

04/28/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89108	Web	Servicemember

04/28/2017	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	TN 37876	Web

04/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77520	Web

04/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 74136	Web

04/10/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77339	Web

04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77039	Web

04/05/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75001	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75077	Web