Credit Central Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37334	Web
I have been a customer of Credit Central for almost 13 years. I had a Credit Central loan with a balance of around XXXX. When the pandemic hit, I was offered a XXXX XXXX in the middle of the school year. School was closed, and leadership was not sure if I would continue to get a paycheck as I was not a full-time contracted XXXX. I told the Manager XXXX XXXX about the issue. At first she asked me to check in weekly. Then an assistance manager telling me I could no longer call with an update but had to come into the office to update them. I live an hour away from the location. Because my sister is the manager at the one in my hometown, I had to open the loan in the closest location from there. I told them due to finances, I couldn't travel. I kept getting multiple daily calls, some back to back where employees were not documenting talking to me. I would speak to one in the morning and get a call that evening stating no one had talked to me. I then received a phone call at work. I was taken from my classroom where our secretary said Credit Central was on the phone to talk about my account. I have explicitly told them the entire time I have had loans there that I could not take work calls. Ever. Then, I received a call that a District Manager from Credit Central was outside the building wanting to see me. I was not there as I was at the hospital with a nephew going through XXXX. My secretary asked me if I needed to borrow money. I have never given permission for them to talk to my employer about a loan. Then school got cancelled and not just closed for a few days making it worse. Old references that had asked Credit Central not to be called began getting collection calls for me. I even received a call from my exhusbands current wife saying XXXX from Credit Central had called her to get in contact with me about a late business matter. I have never listed her as a reference as I do not have regular contact with her. Credit Central then contacted my father telling him I was three months behind on payments and could he have me call them. How would he know how far I was behind? During this time, I had offered to pay what I could and was told only full payments would be accepted thus making me fall further and further behind. Credit Central staff had contacted several people and disclosed personal information in an attempt to scare me into a payment which I said I did not have. I did stop answering the daily calls when I'd explained over and over I would call each Friday with an update if smaller payments wouldn't be accepted. I then received a letter from an attorney about the bill. I contacted the District Manager, XXXX XXXX. I explained to her what had happened and that I could make small payments until my paychecks started again. I had three jobs and each of them had been negatively impacted by Covid. She apologized for the disclosures and told me repeatedly that no one should give third party information. She said XXXX was one of her best managers and had not been documenting this calls with me. She said that she would have this bill eliminated if I would not contact CFPB about the disclosures and harrassing phone calls. She said I would be getting a letter in the mail within 30 days of this call for it to reach all the proper channels. The phone calls from the local office also stopped. About 45 days later, I am served a warrant where I am being sued for the XXXX loan. I attempted to contact XXXX who I was told had quit. The new manager, XXXX XXXX XXXX unsure of her last name spelling ) who told me they had received the paperwork but decided not to uphold it. Since I had not received anything in writting until then, they did not have to uphold. I explained that I could have been making payments and gotten a checks since this had I know it wouldn't be uphold. She told me that now they knew it would be paid. She told me she did not expect her employees to document every call with a customer especially if there were multiple calls. She also told me that the law states they can use what ever database available to find people linked with me. This is how they got my exhusband 's current wife 's information. They did not realize who she was but knew she was associated with me somehow. I will not end up having to pay court fees, lawyers fees and the loan when I was told it would be written off and not on my credit. They did uphold not reporting it to a credit agency. It is not on my credit as of today XX/XX/XXXX. However, the collection practices and disclosures are the issue. I would be more than willing to pay this debt had I been notified they would not uphold the word of their previous District Manager, XXXX XXXX. XXXX was extremely rude and told me I should have expected this. She acknowledged that her staff did not document calls and that they should not have come to or called my work. I contacted XXXX the week of XX/XX/XXXX to find out she had been terminated from Credit Central. There had been several customer and employee complaints. I thought it interesting that they were disclosing that to me not knowing who I even was. I now do not know who to contact because this can be handled now without everyone going to court and risking COVID exposure.
06/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 296XX	Web
I contacted Credit Central on XXXX/XXXX/XXXX to let them know I would be late making my payment. I originally spoke to XXXX at about 9XXXX of XXXX/XXXX/XXXX after explaining to him my situation he placed me on hold. XXXX XXXX then picked up my call and answered the call stating " XXXX XXXX you are a sight for sore eyes ''. I then stated " excuse me ''. He proclaimed that I never showed up in his office on XXXX XXXX. I explained to XXXX that I never stated I would be in the office on XXXX XXXX. I expressed to XXXX that I told him I would mail in a payment but I was not going to be able to do that until XXXX XXXX. XXXX then stated " Oh XXXX, what am I going to do with you? ". I said " XXXX I am very sorry but unfortunately I am having a rough time right now. I said I have been a loyal costumer of yours for years. I stated you have very rarely had issues with me not being able to make my payments ''. XXXX then became agitated and stated " XXXX XXXX that is not true ''. I stated " XXXX, it is so and I am doing all I can right now but I am about to loose it and have a mental breakdown with everything I have on me at the moment I started to explain to XXXX what all I was going through and he said " You know what your problems are none of my bussiness ''. I stated " XXXX, I know that I am just trying to explain to you financially where I am at ''. I stated I am trying very hard. '' XXXX began to get louder with me and stated " you know what XXXX XXXX it 's called XXXX and paying your bills. Deal with it and I will be seeing you in court ''. This is not the first time I have had issues with this company. Back in XXXX I mailed this company a letter asking them not to contact me at work. I know the letter was received because my payment was posted to my account. I work at a XXXX and we receive up to 600 calls a day. We have been asked not to receive personal calls at work. XXXX and XXXX would call me several times a day. If they were placed on hold they would hang up and call back. One call log showed within a 8 minute time frame they called 4 times. Several coworkers stated they were very rude and demanding. I had printed call logs and when I confronted Credit Central about it they lied and stated they had not called me at work. Also, I had witnesses at work who wrote down their names and stated they were very rude and they were going to contact management of our company if they called and spoke to them that way again. It was only when I sent a response to my county magistrate that the calls at work stopped. I can no longer deal with this company. Due to personal and medical issues I have undergone the past 3 years I have been diagnosed with XXXX. On XXXX XXXX after speaking with Credit Central I had a XXXX XXXX while at work. I am not trying to avoid paying Credit Central nor am I disputing my debt. But I ca n't deal with the ongoing confrontations that result when I can not make a payment on time. The unethical insults such as a " sight for sore eyes '' or " XXXX ''. It 's almost stating I am irresponsible and I am not. I have worked for the same company for 14 years. I have had this loan since XXXX and if there is a time I am behind it usually means I have to come in and renew the loan. That is the only way Credit Central will work with you on making payment arrangments.
07/19/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 296XX	Web
On XX/XX/2021 I sent a notarized debt validation letter via certified mail to Credit Central and they received it on XX/XX/2021. The validation letter also states to cease all communication unless it's through mail and it's responding to the validation of the alleged debt. Today, XX/XX/2021 I received a phone call at XXXX from the collection company asking when would I be paying a debt? I asked the debt collector who gave her permission to call my phone and she got quiet and then said that she was trying to see when I was going to be able to pay my alleged debt. I asked her again, " who gave you permission to call my phone? '' She then hung up on me. At XXXX I received another phone call from a gentleman asking me when I was going to make a payment on an alleged debt. I asked him when did he get permission to call me and he just kept going on and on angrily until I just told him to have a good day. Pursuant to 15 usc 1692D " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 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. '' Also the definition of debt under 15 usc 1692A ( 5 ) is " The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' The definition of consumer under 15 usc 1692A ( 3 ) is " The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. '' I also received a letter from the debt collector on XX/XX/2021 stating that they have made several attempts to contact me about my account that came due in the amount of {$280.00} which may include late fees. They then proceeded to say that they reviewed my account and it shows I have {$160.00} cash available and if I wanted to take advantage of the offer I needed to contact them TODAY! Pursuant to 15 usc 1692J ( A ) " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( B ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ''
03/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37138	Web
I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.
02/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35055	Web
I was laid off this past summer and went and told this loan company this information. The very first thing the manager did was to look and see what I could sell to pay the loan payment that was not overdue. I continued to pay through the fall as I got severance pay. When the severance pay exhausted and all I had was unemployment and could not pay the XX/XX/XXXX payment the manager said that I could come in and rewrite the loan then I would n't be due again until XX/XX/XXXX. I was looking for work and had been since I was laid off, with no luck. I could not pay the XX/XX/XXXX payment so the loan company started calling me, my dad, my sister, my daughter in law, etc. I had already told them I could not pay the payment as I had not landed a job yet. When they called my sister she was in the hospital on oxygen and a bipap machine. She told them she was in the hospital, yet asked her to leave me a message. I called the loan company and let them know that they were not ever to call my sister again. My sisters doctor told her she may not live long and I was enraged that people would do things as that. Since then the loan company has called me every day. Called my daughter In law that is XXXX, called my Dad and his wife that are also disabled. Then the loan company decided to leave letters at my address a few times, Then they called a seasonal job I got XX/XX/XXXX to verify my employment with a co-worker and told her to give me a message. Then the loan company had someone go to my job and told my co worker that she needed to ask me a question, posing as a client. Then they called the call center and got the extention to where I was. I could not talk with them because I was with a real client. Today they had a police officer from the sheriffs department bring a tag at my work that said I was to pick up a claim at the sheriffs office. When I went to see what this was about the loan company had papers to sue me for the total amount of the loan and had 14 days to answer this claim. I do not have funds at all and the loan company knows of my situation. This has caused stress to my family and work, not to mention stressful to me as well. It has been nothing but pure harassment since after XXXX. I have had this loan for 3 years and rewrote the loan several times and have paid my payments on time until I got laid off and severance pay ended. I have only gotton paid twice since I have had this seasonal job so far and am paying on rent and electricity. I am also trying to find a full time permanent position. I need help.
01/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TN 37130	Web
1.I have never had an account with this company CREDIT CENTRAL LLC XXXX XXXX XXXX XXXX from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDIT CENTRAL LLC & XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
04/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37912	Web
On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.
09/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 350XX	Web
On XX/XX/18 my husband obtained an installment loan with Credit Central for {$1400.00} and paid it off in full on XX/XX/2018. I have nor my husband have not had any other loan or done any other business with Credit CentraXXXX since. On XX/XX/182018 an employee of Credit Central knocked on my door at my home asking for my husband and stating that he obtained a loan in XXXX. My daughter informed her that XXXX XXXX was not home to which she stated that someone needed to call him. My daughter told her that she would not be calling him and attempted to close the screen door but the employee stopped the door and stated that either we could call him or she would just be sitting outside. She walked back to her car screaming get him on the phone with explicits and my daughter closed the door. I walked outside and informed her we did not have an active loan and asked her to leave my yard. She begin yelling explicits and stating you should have paid your loan. She then proceeded to degraded me call me broke and even went as low as to calling me XXXX slurs. By this time my neighbors had come outside. The whole thing was highly embarrassing. As she drove away she rolled down her window and stated that she would be back and have her guys with her. I have never been through such a disturbing experience in my own home. I called the store to which they admitted that we did not have an active loan and they were looking for a family member who does not live in my home. The way they degraded me and my family and even threatened to come back to do it again is unacceptable. Please help.
03/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35020	Web
I received a letter from your company stating that you are attempting to collect an alleged debt. For starters, I do not owe your company any money, for two how in the world are you collecting a debt on behalf of another collection company? So, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Credit Central? I have not done any business with your company, or any other company involved. I need you to provide legal proof that I have the right to do business with you, what bounds me to you? What kind of business dealings have I done with you? Please provide me with a full debt validation, I am demanding that you remove this account from my credit reports at once, it is absorbed that your company would put something like this on my credit file. Not only do I not owe you any money, but I know for sure that a collection can not collect a debt on behalf of another. My lawyer has advised me to contact the FTC as well as the CFPB which I have done so. I am currently waiting on the hard copy of the police report that I have filed against your company and all companies involved in allowing this false account to be reported to my credit file. Please remove this account in 3 business days from this letter. This false account has tarnished my credit file. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete and relevant information has not been omitted.
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AL 360XX	Web
Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. .more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee
01/06/2017	Yes	Payday loan	Received a loan I didn't apply for	SC 29407	Web
A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.
07/25/2018	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 have been in contact with Credit Central to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with Credit Central, LLC.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 36701	Web
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
02/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	LA 713XX	Web
On XX/XX/2020 Credit Central, LLC and XXXX ( the XXXX, Louisiana Branch ) used my social security number without me signing an application on XX/XX/2020 to access my credit reports. I called and spoke to the representative XXXX XXXX on XX/XX/2020 and she told me that they had to right to pull a hard inquiry on my credit report in order to find my current address. Once my credit file was accessed illegally, a member from Credit Central, LLC and XXXX named XXXX XXXX came to my home at XXXX XXXX on XX/XX/2020 and rang my doorbell several times. I was asleep in bed with my XXXX XXXX who was XXXX on XX/XX/2020 and the doorbell rang so loud waking myself and my XXXX. This company has also sent representatives to my grandmother 's home to look for me in the past. I am one payment behind and I spoke to the manager XXXX on XX/XX/2020 and notified her once I received my income tax, that I would pay the account in full because I am out on maternity leave and do not have any income coming in at the moment. XXXX asked me could she file my taxes because they have a tax service and I notified her that someone else prepares my income taxes.. She informed me that I could get a cash advance if they filed my taxes and I refused. Again, fast forward to today, this company has accessed my credit report without any signature my from authorizing them to do so on XX/XX/2020.
03/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28214	Web
I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.
11/23/2018	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	GA 304XX	Web
XXXX XXXX XXXX 06 Reported :XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. ... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
12/31/2018	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	GA 304XX	Web
CREDIT CENTRAL LLC & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
02/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 376XX	Web
This company ( XXXX ) has disclosed personal loan information, dates, amounts, contact attempts and threatened garnishment if I do n't contact within 24 hours to a step parent of mine, with whom I do not, and have never lived with, live 30 minutes from and rarely see or contact. Per my stepparent, the request for the company to not call again has not been honored by Credit Central. I have contacted this company previously and told them no payment availability, I am working on filing chpt XXXX, and saving to obtain the attorney to do so. This company has harassed me at my place of employment on numerous occasions, after being asked to stop. This has finally as of this week stopped. The calls are several times a day, there has been visits to my home with letters left on my door handle. I have asked no contact and continue to receive this as well as some of the 8-10 references that were required continuously are harrassed after being asked to stop calling. They have accurate information for me, have spoken to me, I feel it is n't necessary for me to talk to them every day to say I am not paying. I work full time, a part time job and back in XXXX as well as a single mom, I can not afford to loose income due to this petty harassment as well as the fair debt collection practices being abused.
03/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78229	Web
They keep calling and calling and calling even when we told them to stop calling my phone. They told my sister in law that there was an emergency and to call her back immediately ( she got so scared that she thought her brother was in the hospital ) and had to block their number. They have threatened to send people to our home to collect. the lady has left very rude and demeaning messages on mine and my husbands phone. we have spoke to them on the phone and the lady the lady yells and curses at us in which in return sets me off and I have had to tell her that I do n't speak to my husband that way and I will be damned if she does. we have been through a lot this past month when they were calling constantly. my mother passed away on XXXX XXXX and I begged them not to call mine or my moms phone and I was told that they do n't care what is going on in our home and its not their fault. they are driving us crazy. its not like we did n't plan on paying them we are just going through a hard time right now with my husband loosing his job right before XXXX and the lose of my mom. thank XXXX my husband is now working full time again but were still in the hole from when he is unemployed. I do not understand how a company can be so rude and have no compassion what so ever.
11/26/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	SC 29063	Web
This company is harassing me and even was calling my family at one point. While they did make some changes, they still have participated in threatening types of debt collection practices. I have had 3 people sent to my home to collect a debt which I reported to the manager who said that was not allowed. I have made 2 subsequent payments of XXXX each to catch up my loans. One on XX/XX/, and another one on XXXX XXXX which both have been cashed. I also attempted to send a check for XXXX so that extra payments were being sent in XXXX and they sent it back demanding another check for the full amount. If I had the full amount I would send it. I have lived in my home over 20 years and now I had a home intruder come out right before the holidays which has been reported to the police and is under investigation. I find this ironic since they are they only debtor I know to come to my house with no notice and bang on the door. Secondly, my company I work for at my second job has not paid me for my work yet I XXXX and XXXX creating a problem for me with catching this account up. If my secondary employer is illegally withholding money per our contractual agreement I can not pay any more money I do not have. I am reporting them for unfair credit practices and concerns.
07/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 293XX	Web
Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.
06/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29621	Web
Well I asked the manager could I renew my loan. She stated her Company policy is that since I sent her Company a cease and desist letter not to call my job ( because I ca n't accept calls on my job ) but they are welcome to call me on my home, cell, or any references if they could not contact me she would not renew my loan. I advised her that I had never heard that before and I felt like it was a personal vendetta that she had against me. I feel that I was biasly discriminated against based on the way I looked, And because I was not a certain color and did n't look a certain way. I feel that I am a law abiding citizen that deserves to be treated fairly and her predatory lending ways should not be prohibited just because she does not like me because of her own I 'll gotten reasons. I did try to call her supervisor whom she has a personal partnership with and nothing never gets resolve because of this conflict of interest. Her Supervisor never return the call. I plan to consult a lawyer because bias predatory lending discrimination is not prohibited by consumer law and this matter needs to be addressed and resolve, so another fellow XXXX wo n't have to go through what I did.
11/13/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 37615	Web
After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation.
06/07/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35810	Web
Loan in XXXX - 14 days late and due to my wife being in the hospital and having only XXXX income for XXXX children. I ( XXXX XXXX XXXX ) informed manager ( XXXX ) on Tuesday ( XXXX / XXXX / 17 ) I will promise to get payment in by Frid ay ( XXXX / XXXX / 17 ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e ( XXXX XXXX XXXX ). I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!
03/23/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 371XX	Web
I have been a customer with credit central for about 2 years and has always been treated with respect. However, I have SEVERAL issues with this company.. the employees working for this company currently are extremely rude, threatening and unprofessional. The companys turnover rate is ridiculous. Every time I talk to someone they are new. They make threats if you dont come in when they say you must come in even thought the contract states that if you pay past your due date you will have a late fee charge. They claim thay you absolutely can not pay late and will not accept late payments. Why is there a late fee if they can not accept late payments? Also, I was told around XX/XX/XXXX that my loan eliable for a increase and was told it would increase my payments by XXXX bucks a month. I agreed but what I was not told is that my loan started all over again! Very misleading and deceptive! This company needs to be stopped!!! Just treat people right which is not something that this company doing with me. I am ready to be done with them. XXXX, TN location XXXX, TN location
08/22/2023	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 37128	Web
On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with XXXX from the company Credit Central and it came back updated the same day with no changes made. XXXX opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The only thing XXXX has done was falsely " update '' the account. Nothing changed.
03/18/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 368XX	Web
My name is XXXX XXXX. On XX/XX/23, I received a notification from my employer, XXXX XXXX, stating that my bank account was garnished for a debt owed to Credit Central in the amount of {$560.00}. My employer provided phone number XXXX Credit Central. The company is located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. I have never been to this location, nor have I ever opened up any loans with them. Moreover, I have never received any notifications from this company regarding a debt that is owed. To obtain a garnishment, this company would have had to bring a case before a court in Alabama. I have never received any notification regarding a lawsuit, thus, never had a chance to defend myself against this unfair garnishment of my bank account. I am demanding that Credit Central provide me written proof of a loan that I've obtained from them. If not, remove this garnishment or I will consult an attorney for further advice. I can be reached at XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AL XXXX.
04/25/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29577	Web
I reached out to Credit Central LLC in XXXX with a certified letter dated for XX/XX/XXXX. It was sent out a few days later. I received notification that it was signed for. They failed to respond to letter or even offer me any settlement offers on this account. This account has been on my credit report since XX/XX/XXXX, and I wanted to settle the debt for {$92.00}. Thee original balance on this account was {$180.00}. According to me credit reports that I get faithfully ever month, shows them still reporting to my credit as of XX/XX/XXXX making my account a charge off/ charge off bad debt. Over the past when I have been dealing with Credit Central they would harass you for payments but the second an account gets closed and you want to offer a settlement on the account they act as if they don't know who you are. I am the same person you took money from prior to this. Pretty much this company is refusing to settle a debt. They rather jeopardize someone credit then try to let the consumer correct the issue.
11/17/2015	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	SC 29579	Web
I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.
08/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31088	Web
This company sent me a check in the mail, I never squired about the loan or applied for it. I cashed the check and I contacted the company ( XXXX in XXXX XXXX ) I answered their questions and the first payment was due XX/XX/XXXX2016 and it is XXXX XXXX, 2016. I plan to pay them on pay day XX/XX/XXXX and these people have sent some big bald headed guy in a personal unmarked car to my house every single day for the past 2 weeks, even on Saturday! I am so uncomfortable and I feel they 've trampled on my personal home life by showing up at all times of the day and weekend. Touching my car to see if the engine is hot and looking into my windows and knocking on all my doors. I am a single mom and I am not okay with this! I have every intention of paying them. What makes me more upset is the loan was sent to me, I never once called an applied for a loan in any way shape or form and the XXXX page attached to the check did n't say anything about their communication tactics. It 's really awkward!
01/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35023	Web
I have a loan and I am behind on my payments. The company is Credit Central. The have XXXX the references ( my personal friends ) by calling XXXX of them and telling them that " if didn't call them and pay XXXX today, they were going to sue me and garnish my wages ''. This occured on XX/XX/XXXX at XXXX XXXX and the call lasted XXXX minute and XXXX seconds. They also called a second friend XXXX times in XXXX day and that was on XX/XX/XXXX and XXXX, XXXX both XXXX and again at XXXX XXXX. XXXX the last call at XXXX, my friend answered the phone and Credit Central told him that unless I called them back they were " prepared to file the paperwork to garnish my wages at 33 %. '' I believe all this was illegal and they have revealed my personal information to my friends. I am highly upset and demand and formal apology from Credit Central they should be fined and I should sue them. The office is located in XXXX and is located on XXXX XXXX.
09/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AL 359XX	Web
I am just struggling to pay my bills since this COVID virus out break and i am on XXXX and living alone myself just to made my ends meet. the Loan place keeps calling me every day i had a naught of it so i had my number change but they are a called my aunt number and harassing her. The loan names is Credit Central Loan gency in XXXX, Alabama i just own {$400.00} dollars my payment {$64.00} a month if try to explain them im the only one living in this house and pay my high price Electric Bill and about 15 others bill to take care of myself. And now everything is in a mess. I've try to tell them if i have extra money left over from paying my bills i will pay them. But also i have alot of people told me about Credit Central they will Harassing you to death. And them lied about or some issues! im getting tired of this please send a letter or something to them to quite calling my aunt and family members and XXXX XXXX
07/14/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AL 368XX	Web
I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month. Thank You
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77026	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 XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
01/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77530	Web	Servicemember
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.
08/26/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	AL 354XX	Web
First of all this company makes it an inconvenience to its customers needing to make some type of arrangement for a late payment. They want their customers to come to the office to make the arrangement and refuse to do it over the phone where as all other financial institutions will gladly do it over the phone. This company wants you to leave your employer to come in the office possibility of their customer losing their job. Second this particular branch calls you a day before the arrangement has been set for saying that the arrangement day was missed. You tell this particular branch you mailed the payment and it takes one day to get from the customer 's house to their office via mail. They still call 6+ times a day after 3 days you mailed knowing they have the payment and want to harass you anyways very unprofessional and rude to their customers.
04/06/2020	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37921	Web
A company calling itself either XXXX XXXX OR XXXX XXXX with one of the phone # 's of XXXX and by several different people ( one person named XXXX ) has been harassing us for the last several weeks. They have called both our home phone and my husband 's cell phone ( XXXX ) looking for someone with the first and last name of my husband. We have repeatedly told them the person is not my husband nor does that person live here. we have requested they quit calling to no avail. We do not appreciate their calling us at all hours nor do we need the aggravation during this time due to the fact that me, my husband and our grandson who returned from college at XXXX are XXXX with the XXXX. my grandson is extremely ill and on XXXX. I am worn out from caring for the three of us. PLEASE make them stop calling.
07/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30601	Web
NO CREDIT LOAN COMPANY HAS THE RIGHT TO SHOW UP AT MY HOME AT XXXX XXXX FOR ANY MONEY. I'M NOT OUT OF BED AT THAT TIME AND I SURELY DIDNT GIVE THEM PERMISSION TO SEND ANYONE TO MY HOME AS [ CREDIT CENTRAL ] A LOAN COMPANY HERE IN XXXX GA. DID THIS MORNING XX/XX/23. I WANT TO FILE SUIT FOR THEIR HARRASSMENT. THE LADY NAME IS XXXX THAT SHOWED UP AND THREATENED TO TAKE LEGAL ACTION. SAID SHE WAS OPENING UP AT XXXX AND I BETTER COME IN WITH PAYMENT. SHE TALKED TO MY WIFE AFTER KNOCKING ON DOOR THAT EARLY AND MY WIFE TOLD HER SHE HAD NO BUSINESS AT OUR HOME THAT TIME OF MORNING. SEE ATTACHED PIC OF HER CAR AT MY HOUSE AND THE TIME PIC WAS TAKEN. SHE HAD BEEN IN YARD ATLEAST XXXX MINUTES BEFORE I TOOK PIC OF HER CAR AND ANOTHER XXXX MINUTES AFTER
03/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31404	Web
I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT.
05/21/2019	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	NE 685XX	Web	Older American
They are trying to contact my Son. But, I have told them to stop calling me. This is a payday loan they tell me. They called at XXXX cst. when I advised the person XXXX I believe it was XXXX She said that was to bad. The next call came from a man that I again asked to quit calling me. Called me a rude XXXX. I have mailed a cease Calling me but, it doesn't work They call every other day with the same request to contact son, And was told they will keep calling until XXXX XXXX returns their call. I want them to quit calling me and they tell me they don't have to stop. They have called from XXXX and XXXX This Company goes under Credit Central and XXXX XXXX
01/08/2019	No	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	GA 31909	Web
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XX/XX/XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
01/08/2019	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	GA 31909	Web
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
08/07/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 296XX	Web
Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35020	Web
Credit Central South XXXX XXXX XXXX XXXX XXXX XXXX their phone is XXXX. This is a loan company that harass me and my mother. I received a checked in XXXX. The due date for the first payment was XXXX XXXX XXXX. They start contacting my mother which she 's my reference XXXX XXXX. Never called me and called my reference too early. Then they start coming to my house which my XXXX XXXX daughters are there. I was at home on of times they came by. They viewing really long and hard and more than one. The last visit to my house was today while I were at work. Please contact me to let me know what I need to do next.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29115	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
11/10/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 350XX	Web
I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.
08/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 291XX	Web	Servicemember
We are having an issue with the creditor from Credit Central loan & taxes coming to our front door of residence asking us for monthly payment. Its been about three weeks now that we are going through XXXX XXXX XXXX in turn using XXXXXXXX XXXX XXXX for legal representation. This is the second time Credit Central here in XXXX, South Carolina has physically came to our home and harassed us for payment and they have been sent a notification from XXXX XXXX XXXX. We wish to file this complaint against Credit Central please. Please feel free to contact me at anytime and thank you.
01/18/2018	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 374XX	Web	Servicemember
Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.
11/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29461	Web
Last week the company called me while I was at work ( and out of town, I do travel for work ). I had missed my payment, my fault. I told " XXXX '' not to call me at work. I came home and ( my fault again ) forgot about the payment. I was at work today and XXXX again called me at work. I told him, that I had said not to call me at work, and that I could n't take care of it right then, and I would have my wife call. He then threatened me by saying if I did n't resolve the issue right then he would have to " take action '' and continued to harass me.
06/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36801	Web
IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON XXXX XXXX XXXX ( XXXX ). XXXX 1. AN ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS XXXX OF THE ONES YOU COULD NOT PAY. ( FALSE ) 2.DELINQUENT ACCOUNT CREDIT CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..
04/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45140	Web
I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!
04/07/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	SC 29732	Web
I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
02/04/2021	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 28056	Web
I was told by a member of Credit Centrals office in South Carolina that once I paid the account in full this account would be DELETED from my credit report. I have paid this in full and have disputed this item several times with this company but yet they continue to report this account. This is fraudulent and the company blatantly lied to me about payment. Now that I have followed through and paid everything owed they have not removed this account from my report.
03/07/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 360XX	Web
This company has continuously called me during work hours and I am a teacher. This company has also disclosed my bill information to family members without me giving consent to disclose this information. My family members have expressed that company have continuously called and asked about my bill to them while they were paying their bills. This company is Credit Central of XXXX, Alabama. This company is by far the worst company that has ever receive my business.
09/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35603	Web
I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.
06/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 31907	Web
I am having financial hardship. I told the company however the company continues to call me two to three times a day. The company calls my house phone, my cell phone and my job. The company has came to my house and have left messages on my door. I have asked the company to stop however they continue to call but the company has not sent me a final bill. I have not received anything in the mail but the company has continually called me since XX/XX/2018.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23513	Web	Servicemember
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
01/04/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	SC 294XX	Web
I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter
10/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35405	Web
This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.
12/17/2022	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 29115	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states 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 under an open end consumer plan as late for any purpose.
05/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29527	Web
I always pay my loans on time and I also renewed my loans but fell behind payments and started getting harassing phone calls, visits to my house and threats, so I called up there the lady manager got loud and rude and started making threats to me about going to the court house she gave me until tomorrow to make a payment with a very loud rude voice Credit Central XXXX XXXX XXXX SC XXXX
06/29/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37221	Web
Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.
09/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29801	Web
I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM
02/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 360XX	Web
I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35209	Web
I have made plenty attempts to this company credit central has relentless abused my credit with this fradulent account they will not remove this account.open this second account with out my authorization..I have sent them a ftc report they refuse to remove the account.. I will be placing a lawsuit against them if account doesn't get removed..
01/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 295XX	Web
The company name is Credit Central in XXXX, SC. They sent a live check which I did cash. I made payment arrangements. However, I did not supply my employment information because it was not requested. They called my job asking for me and when I asked them to not call me at work became rude. Calling my job could jeopardize my employment.
01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Credit Central XXXX calling me and family members on our home numbers, cell phones and on our jobs attempting to collect a debt that we do not owe nor do we have any information about the debt. This is predatory collection practices and it is harrassing. We have asked them to stop calling numerous times, but they continue.
11/23/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	AL 367XX	Web
XXXX XXXX I got a loan from them years ago it was paid off to one of there workers XXXX and know they are saying they dont see the payment they have call and harass me concerning this matter even mess up my credit, Im tired of this company doing what they are doing. They need to find my payment because Im not paying again
07/13/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30458	Web
I went to a loan place in XXXXXXXX Georgia Credit central they said they don't go by credit and then the man XXXX never calls me back to let me know anything when I called he said they're refusing my to get an emergency funds because of XXXX XXXX in Georgia last year I had a loan and I didn't get to pay them back
06/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36867	Web	Servicemember
Credit Central is coming to my house harassing my wife and have been for the last XXXX days. I owe then about XXXX bucks and they are sending people to my home telling my wife I set up a meeting with them weeks ago. Kinda hard when I 'm on a otr truck driver. They are harassing my family and it needs to stop.
02/20/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC XXXXX	Web
This company called Credit Central keeps calling me. I am not the person or persons they are looking for and I have advised them of that but they keep calling me. I do not know if this company is legitimate or not, but I have never done business with them and want them to stop calling me.
12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 29203	Web
on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.
09/28/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 377XX	Web
They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.
03/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29072	Web
This company made attempts to speak to my supervisor AND asked for the physical location of my office. Neither of which are reasonable requests in an attempt to collect a debt. These are attempts to embarrass and harrass an individual and should not be legally allowed.
06/23/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
In XXXX I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.
04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29485	Web
The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 310XX	Web
I was just checking my credit report and I see where a payment XXXX this account was late on XXXX 2019. I never made any late payments on this account. The information reported is incorrect.
06/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29550	Web
The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me
05/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 374XX	Web
What happened I got sick I was in the hospital my income was not the same any more I had to move out of town for awhile now they are harassing people I know and they will not stop
03/11/2016	Yes	Payday loan	Charged fees or interest I didn't expect	AL 351XX	Web
I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.
08/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78573	Web
they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.
12/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78572	Web
The loan company employees continuously visit me at my work place even after I have set up payment agreement. They call my workplace as well constantly.
10/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 379XX	Web
Credit central calls my phone 6 times a day everyday excluding Sunday 's they have came to my home on 9 different occasions in the last 3 months
10/23/2023	No	Debt or credit management Credit repair services	Problem with customer service	TN 37303	Web
They will not settle with me bc I have fell under financial hardship they wont take what I can afford and they call and harassment my old jobs!
03/01/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	GA 30117	Web
I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them
11/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 816XX	Web
Became XXXX and loan payment went unpaid. They forgave that negative account and opened a new account. Hasnt reported to XXXX or XXXX.
11/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/13/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28379	Web
The debt is related to a family member but the collection agency keeps contacting my wife after being repeatedly asked to stop.
10/03/2022	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	AL 360XX	Web
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit
10/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	SC 29115	Web	Servicemember
CEASE ALL COMMUNICATION WITH ME AND MY REFERENCES MY LAWYER WILL BE IN TOUCH
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 351XX	Web
I have a fraudulent account on my credit report that I have never heard of.
02/05/2024	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	AL 361XX	Web

01/29/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	AL 366XX	Web

01/14/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	AL 361XX	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

01/04/2024	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	TX 76522	Web	Servicemember

12/26/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	AL 36532	Web

12/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36701	Web

11/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	SC 29572	Phone

11/17/2023	No	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	AL 36801	Web

10/20/2023	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	GA 30179	Web

10/06/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37128	Web

09/01/2023	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35215	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

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30039	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30039	Web

06/21/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30241	Web

06/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37917	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36853	Web

04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29316	Web

03/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29625	Phone

03/24/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37373	Phone	Older American, Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31907	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	TX 77389	Web

02/25/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	Web

02/21/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37160	Web

01/14/2023	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	TN 37921	Web

10/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35216	Web

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	GA 30116	Web

09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29351	Web

09/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29307	Web

08/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29646	Web

07/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30907	Web	Servicemember

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43326	Web

07/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43326	Web

06/06/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36866	Web

05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web

05/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29210	Web

03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web

09/06/2021	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	AL 35226	Web

08/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29302	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30064	Web

08/17/2021	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	SC 29651	Web

07/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29205	Web

06/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31005	Web

06/10/2021	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	KY 40330	Web

06/05/2021	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	GA 30094	Web

06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29477	Web

05/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	SC 29651	Web

05/14/2021	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 Their investigation did not fix an error on your report	AZ 85374	Web

05/07/2021	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 Their investigation did not fix an error on your report	KY 40330	Web

12/02/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AL 36701	Phone

09/22/2020	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	SC 290XX	Web

08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35474	Web

06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29621	Web

06/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28214	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35405	Fax

04/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

04/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 36535	Web

03/28/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 36832	Web

03/17/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TN 37323	Phone

01/15/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 35126	Phone

11/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30308	Web

10/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35565	Web

10/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30906	Web

09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29615	Phone	Older American

07/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29615	Phone	Older American

03/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	SC 29906	Web	Servicemember

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35473	Web

10/09/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29606	Web

09/20/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 78239	Web	Servicemember

07/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29340	Web

03/23/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 29924	Web

03/01/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37354	Web

02/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29445	Web

11/29/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29550	Phone

11/22/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37043	Web

10/12/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 24202	Web

07/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 37725	Phone

05/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36801	Web

04/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	TX 78504	Web

03/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37862	Web

02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	SC 29379	Web	Servicemember

02/04/2017	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	SC 29550	Web

02/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35020	Web

01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	SC 29303	Phone	Servicemember

01/19/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29203	Phone

01/16/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29526	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 39840	Web

12/01/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	AL 35007	Web

11/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35401	Phone	Servicemember

10/20/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 29536	Phone

09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37660	Web	Servicemember

08/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37771	Phone

07/25/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37921	Web

06/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78201	Web

05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	AL 35042	Postal mail	Older American

05/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29302	Web

04/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29827	Phone	Older American, Servicemember

04/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30058	Web

04/26/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31069	Web

04/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29102	Web

03/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35673	Phone

03/10/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 31907	Web

02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35042	Web

02/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36572	Web

12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SC 29201	Web

11/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 38340	Web

10/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29732	Phone

07/31/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29642	Web

07/30/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	AL 35215	Phone

07/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29650	Web

07/10/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30458	Phone

07/01/2015	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78251	Web

06/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

05/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37130	Web

05/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30016	Web

05/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37324	Phone

04/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37743	Phone

03/06/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KY 42202	Web	Older American, Servicemember

03/02/2015	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	AL 35071	Web

03/02/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29301	Web

03/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78415	Phone

02/24/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37388	Web

02/24/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31410	Web

02/17/2015	Yes	Payday loan	Charged fees or interest I didn't expect	AL 36104	Web

01/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29630	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35473	Web	Servicemember

12/17/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	SC 29506	Phone

11/28/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37912	Web

11/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37311	Web

11/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TN 37115	Web

11/05/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29625	Web

11/05/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35953	Web

10/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38574	Phone

10/24/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37821	Web

10/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36740	Web

10/22/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	AL 36080	Web

10/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29640	Web

10/02/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37660	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AL 35055	Web

09/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35055	Web

09/09/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28340	Web

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38501	Phone	Servicemember

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30906	Referral

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	SC 29431	Web

07/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31069	Phone

07/25/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	AL 35401	Web

07/24/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29488	Web

07/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 29626	Phone

07/14/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	TN 37415	Phone

05/21/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 36867	Phone	Servicemember

05/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TN 38240	Web

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 78570	Web

03/31/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	SC 29920	Phone

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TN 37909	Web

03/18/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	AL 35044	Web

03/10/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29154	Web

03/04/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37821	Web

02/27/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	SC 29150	Web

02/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30906	Web

02/17/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	SC 29687	Web

01/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29316	Web

01/21/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	SC 29445	Web

01/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29372	Web

01/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34952	Web

12/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37643	Web

12/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 31220	Web

12/16/2013	Yes	Payday loan	Charged fees or interest I didn't expect	AL 35007	Phone	Older American

11/19/2013	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 35228	Referral

10/22/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29372	Web