FIRST HERITAGE CREDIT LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS 390XX	Web	Older American, Servicemember
Sir, I am complaining about the method of business used in my case and presumably in all cases, by 1st Heritage XXXX XXXX XXXX XXXX XXXX XXXX ( full address enclosed ). If this practice is used in all their loan processes, many people have been and are today, being cheated out of thousands of dollars. I offer two scenarios, both of which can be substantiated by my testimony and anecdotal evidence and/or the testimony and position taken by 1st Heritage themselves. I borrowed money from 1st Heritage over a year ago and have been paying monthly installments on this loan since that time. I am a retired XXXX veteran and recently came into a sum of money from the VA. Deciding to pay all my loans and get out of debt, I called 1st Heritage to get the payoff amount. Scenario number one ; I called 1st Heritage around XXXX XXXX, XXXX, and asked them how much they needed for me to pay the loan completely and close the account. I was advised, an amount of approximately {$2400.00}. I didnt write this amount down and I didnt record the call. 1st Heritage will dispute the amount, asserting instead that they had told me an amount closer to {$2500.00}. They didnt record the call either so this amount is their word against mine however, I ask that you consider two things, ( anecdotally ). First, if my intention was to pay off the full amount, why would I have intentionally shorted them by less than {$100.00}? Second, since I was sending them such a large amount, ( I immediately scheduled a payment since I use online banking with XXXX XXXX here in XXXX Mississippi ) is it likely that I would have gotten this amount wrong since I was sending such a large amount. At any rate, I sent them {$2500.00}, approximately {$50.00} more than they quoted, in an attempt to make sure the required payoff amount was covered. My scenario number one asserts that they intentionally misled me about the amount I was told to send, ostensibly so they could keep the account open and add more interest to the payoff amount. Scenario number two ; Later, I received a statement from 1st Heritage, ( statement date, XXXX XX/XX/XXXX ), indicating that I had a balance on the account of {$1600.00}, with a payment due of {$190.00}, indicating additionally that they had received my payment of {$2500.00} on the XXXX of XXXX. I called them immediately and was told that the {$2500.00} was short of the full amount owed, and that there was actually an additional {$50.00} approximately, owed on the loan, over and above the {$2500.00}, and further, that extra {$50.00} had increased, due to interest, to approximately {$320.00}. In short, to pay the loan in full, I had to give them an additional {$320.00}. This meant that the extra {$50.00} ( they alleged was still owed on the account ) had increased six times the full amount, to {$320.00}, in less than three weeks. I asked them how that could possibly be, even if they were right in that I had sent the wrong amount, with the {$2500.00}, and I was told that they charged the amount the state of Mississippi allowed them to charge and that the increase of six-fold was allowable under Mississippi law, ( in the interim I went to 1st Heritage two days ago with cash and paid this {$320.00} and obtained a paid in full receipt ). At any rate, I sent a complaint to the Mississippi XXXX and was advised to further contact your office. The state XXXX has asked for a response from 1st Heritage and I have asked for a full accounting of my transaction with them from the beginning of the loan process. Neither of these has been received as of this date, XXXX XX/XX/XXXX. If 1st Heritage is allowed to add on such outrageous interest to a loan, many people will be indebted to them their entire lives. I was fortunate in that I had come into a sum of unexpected income, but even I have been cheated, in my opinion. I am appealing to your office for regress and to move to keep this from ever happening to anyone else. If such criminal behavior is allowable under Mississippi law, this too needs to be addressed or at least the public needs to be made aware so people will be warned and decline to do business with such loan-sharking operations. I have the documentation to substantiate these claims other than the accounting Id asked for from 1st Heritage. I have been in communication with XXXX from the Mississippi state XXXX office, XXXX XXXX. She agreed to allow me to give her first name. I will attach the original letter I sent to the XXXX, if the website allows for such, otherwise I will mail, it traditionally. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX
02/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 379XX	Web
I received a personal loan from First Heritage Credit on XX/XX/XXXX in the amount of {$XXXX}. 13. My first payment was due on XX/XX/XXXX and when they contacted me to remind me about this payment, I explained to them that it would be a couples days late. I began receiving 7-10 phone calls, random text messages, and repeated calls to my employer over the next week from our first conversation. I finally spoke to the company rep again and she proceeded to call me " ghetto trash '' while cursing and degrading me over the phone. I have to admit, I lost my temper and told her I would see her in court. I was angry and at the time not willing to discuss any further business with this company. As time went along receiving multiple calls, text messages from the employees personal cell phones pretending to be a friend or acquaintance of mine, I ignored the harassment. First Heritage filed a motion against me in civil court. We agreed upon a payment arrangement during this court date and I agreed to make monthly payments to the local court clerks office. The attorney there representing First Heritage was nice, but simply told me that the amount was going to be higher because he wanted his money too. I ended up filing for bankruptcy in XXXX of XXXX, but the trustee denied my repayment plan agreement based upon a job change with higher income. This resulted in my attorney dismissing that request and refiling with a new repayment plan in XXXX of XXXX. First Heritage Credit was included and notified of all of these motions per federal bankruptcy rules. First Heritage received payments on a total balance of {$XXXX} worth of debt owed to them in accordance to the repayment plan that was approved and managed by the bankruptcy trustee from XX/XX/XXXX until XX/XX/XXXX. I requested a dismissal from my bankruptcy in XX/XX/XXXX based on the fact that I feel like I can manage the small amount of debt I have, outside of student loans, on my own. The case was officially dismissed, per my request, on XX/XX/XXXX. On XX/XX/XXXX I received a call from a First Heritage rep stating that I had made no payments and that my balance was in excess of {$XXXX}. I explained to him the situation, but he was extremely rude. He stated that I didn't request the bankruptcy dismissal and that the payment I was in agreement and able to afford wasn't enough for them. I pulled all of my paperwork up and called the rep back. I advised him that there was a total of {$XXXX} paid toward the debt and that the balance he gave me was incorrect.He was adamant that I was wrong and threatened legal action. Upon review of my paperwork, I noticed that I was charged fees for life insurance, XXXX XXXX, property insurance, unemployment insurance, and an auto club fee of {$XXXX} that I had no idea about. The annual percentage rate for the original loan was XXXX %. I'm not sure how much in attorney fees have been added to my account, but the rep advised me today that interest was being charged daily since the loan origination date and that XXXXy didn't matter because it wouldn't protect me from daily interest charges even though payments were being made to them. I feel like this company has unethical business practices. I am in no way disputing the fact that I owe for this loan, but I am firmly in disagreement with the erroneous fees and collection practices in place.I am willing to make monthly payments that fit my budget in order to still be able to maintain my household and feed my child. I would like to see some of the erroneous fees removed from my account and have a written agreement in place for a payment plan. I would also like to ensure that during my XXXX time that no further fees and/or interest were added on to my account balance.
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91770	Web
I borrowed a loan XX/XX/2014 to cover some of my expenses. I was struggling to pay my bills, rent and go to school full-time. In the beginning, I was able to comfortably make my payments every month but after a while I got behind and I was making sure to called this company periodically to explain my financial crises. Sometimes, they would call me if they did n't hear from me and I thought everything was fine. I figured they would be willing to work with me. I WAS SO WRONG. When they finally found out a got a new job that paid me every week, they wanted to know when I would be able to pay. Of course, I was ecstatic about finally finding a job that paid me frequently ; however, I was hit with my job cutting hours and my rent went up AGAIN. So I had only made one payment before I could n't pay again. One of the representatives, XXXX made a point to call my job without my consent to look to collect debt from me. I had already talked to her a few weeks earlier but she was hunting me down, although every time we spoke, she claimed she understood and would be willing to work with me. As time passed, this company got more aggressive in their attempts.They would call me from every possible extension, leaving voicemail after voicemail. It gotten to the point where they were deceptive -- -XXXX would call from her personal cell number and leave messages, looking for me to pay up. It was times I would call and ask could they possibly settle my account. Besides, the account was established almost two years but they said they absolutely did n't take any amount less than the balance owed. No matter what I did to get help, these people have been inconsiderate, harrassing and complete liars. Recently, the calls have stopped but now I have a new problem, the company is pulling my credit report every few months, trying to ruin my credit further with hard inquiries because I could n't pay them. So I called the company up last week and complained about my credit report being pulled. According to them, I agreed to them pulling my credit when necessary but I do n't recall signing anything agreeing to that but then again, it has been two years ago when I opened the account. So I explained to XXXX I am looking to settle my account. I do n't know why I thought anything would change but she said she could n't settle the account. I owe {$1200.00}. I asked to settle for {$600.00}. However, XXXX said she would n't settle for half. So she put me on the phone with her supervisor XXXX. When I spoke with the supervisor XXXX, I had complained about the harrassment and the unwillingness to settle. So, she finally asked me what did I want to settle the account for. I negotiated {$800.00} and she agreed over the phone. She told me to call her back Monday with an update when I got the {$80.00}, Now, today is Monday, XX/XX/XXXX. I called and asked to speak to XXXX but XXXX spoke with me instead. I explained to XXXX that her supervisor XXXX and I spoke last week about settling the account for {$800.00}. She was quiet a minute on the phone and she placed me on hold before coming back. She informed me that XXXX never agreed to settle the account for {$800.00}. According to XXXX, XXXX said as I quote word for word " Some customer called her and said she would pay {$800.00} towards the account and pay the remainder at a later date. '' XXXX completely lied about what we had discussed and got my hopes up of finally settling this account and moving on with my life. I am very disgusted that they play mind games and try to ruin customers ' lives over money. I could see if I was a customer that did n't call and update them or did n't offer anything. But two years is just too long to deal with bull like this.
02/01/2021	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 28376	Web	Servicemember
CFPB, I am currently serving in the military. I was informed on some errors on my credit report due to renewal of my security clearance. XXXX, I wrote to the credit bureaus and informed them they were inaccurately reporting information that will potentially cost me my job. I submitted supporting documentation ; fast forward to XXXX, I lost my job because they didn't fix the errors on the credit report. 1. I submitted information to fix the following accounts : XXXX XXXX ( Mortgage ), First Heritage, XXXX XXXX, and XXXX. 2. XXXX, I sent certified mail to the credit bureaus ; still no change. 3. XXXX, I sent certified mail explaining and pointing out the errors, still no change. 4. XXXX, I sent certified mail to explaining and pointing out the errors with supporting documents, still no change. 5. XXXX, I sent and added credit report image from XXXX showing the each entry side by side with clear errors, still no change. I also contacted the creditors reporting the information by mail asking them to fix and errors and provide me proof of the debt, still no change and no response. 1. XXXX XXXX is reporting a Foreclosure on one bureau, 120 days on another, payment history does not match, date open doesn't match etc. This is a major account responsible for my job lost in the military. 2. First Heritage, I sent multiple letters asking them to verify the debt and or delete the debt. Still no response. I called and spoke to the company and ask the don't have document to provide me but keep stating the account information is accurate and verified. 3. XXXX XXXX have been taking payment from me but will not update the account. They stated they closed and charged off the account, but I was still making payments. The military had me used a company to make payments to them just to show external payment history to provide proof for my security clearance. The account is still not update. I called and asked who they sold the account to, and no representative can give me a straight answer. I lost my security clearance and job because of this account. 4. XXXX. I had to paid this account because the military wanted proof of action. I don't own this account. I asked them to since remove it, but they keep stating is verifiable but will not provide me proof. This is one of the account listed on my security clearance file. Lastly, I asked the credit bureau by mail to provide me proof of their method of verification and have not received anything since XX/XX/2019. The creditors and data furnisher have not provided me any documentation to substantiated these debts. I have called and sent certified mail even with evidence ; still refusing to make the changes. I went as far as sending image of the each credit report side by side from IdentityIq showing the errors, but they will not make fix the issue. I have lost my security clearance and my job. I kept receipts of my certified mail and certified mail receipts in case they denied receiving it. Critically, I pointed out that my information was also used by someone living at these address because I have never lived at these address/state in my years of assignment in the military : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
12/21/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TN 376XX	Web	Older American
Sadly it has become necessary to file a chapter XXXX. I have retained an Attorney and preparations for a bankruptcy filing are being made. My Attorney has instructed me to direct creditors to his office. In XXXX/ XXXX of this year ( 2016 ) I notified several of my creditors of this development and all of my creditors with the exception of one have shifted communication to his office. I have a loan with First Heritage Credit,XXXX, TN XXXX Voice : XXXX Fax : XXXX In addition to making initial notification of the impending bankruptcy by phone to them in XXXX/XXXX. 2016 I also sent them via certified mail on XXXX/XXXX/16 a correspondence which served as my cease communication written notification. I again re-iterated my Attorney contact information in this communication that was received and signed for by First Heritage Credit on XXXX/XXXX/16. This communication also had the following FDCPA excerpt enclosure which highlighted point # 2 : 805. Communication in connection with debt collection ( 15 USC 1692c ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ( 1 ) At any unusual time or place or a time or place known or which should be known to be inconvenient to the 15 USC 1692b 15 USC 1692c 805 15 USC 1692c consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antimeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; My Attorney information is available upon request incidentally. Despite these developments First Heritage Credit continues to make collection calls and has now begun to also harass the personal references I provided at the inception of the loan. I have three dated recordings from them ( XXXX and XXXX ) saved on my phone at present. Since I am also choosing to publish this complaint I am including this link : XXXX which give a lot of good information about repeated calls to debtors and references as well as a reference to a written cease communication. I see multiple violations regarding the conduct of First Heritage Credit in this matter. Thank You for the opportunity to file this complaint.
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37138	Web
Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. XXXX XXXX the update reported and instead of removing the error First Heritage went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. First Heritage Credit XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX first-heritage.com
04/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	LA 705XX	Web
I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!
11/17/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	TN 380XX	Web
1.I have never had an account with this company XXXX XXXX XXXX XXXX REMOVE 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 FIRST HERITAGE CREDIT 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.
09/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL XXXXX	Web
I feel my consumer rights have been violate by First Heritage Credit. I recently received my XXXX report. To my surprise on section 8 i had a small claims judgement. I had no knowledge of. I called the clerk 's offices and asked about this judgement. The lady stated i was served on XXXX XXXX. I told her no one had served me anything. The lady stated they can tape it to the door. I told her no one left anything taped to my door. She looked to see where it was left. But she couldn't find where it was left. Only a note stating i was hostile and uncooperative. She told me the judgement was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cents. I told her i never received anything about this judgement. She stated because i didn't show up for court. The courts side with First Heritage Credit. She told me i can write the courts. On XXXX XXXX i received an alert from XXXX XXXX letting me know First Heritage ran my credit. I called CFPB to file a complaint on them. The agent i spoke with told me to call First Heritage. To see why they ran my credit. I called First Heritage and spoke with XXXX. She stated as long as i owe them, they can run my credit anytime. XXXX stated i was served on XXXX XXXX. I told her i was never served and that was a different date from the courts. XXXX stated the could be the wrong date. She placed me on hold. Then the manager XXXX took over the call. He stated the same thing about running my credit. I asked when i supposed to been served. He said XXXX XXXX. XXXX stated the balance was over XXXX XXXX dollars and some dollars. How would you like to pay this. I told him my ex-husband the one whos been paying this. He stated spouses do it all the time. I asked him for a printout of the payment history. The one they gave me i gave it to my divorce attorney. It had on it the husband made payment or made a payment arrangement. He said no get it from your attorney. I called the corporate office at XXXX. I was transferred to the audit compliance department. I spoke with a XXXX told her what happen. She stated the same thing about running the credit. XXXX in the audit compliance department stated my balance was XXXX XXXX dollars but that could be wrong. The account was charge off XXXX XXXX. This company is reporting inconsistent. This account was update on my credit report XX/XX/2022.
04/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71201	Web
I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	LA 70458	Web
Some time prior to the initial incident, XXXX contacted me after I had already made a promise to pay. She contacted me the day prior, then again the day of my pay promise. I asked her not to repeatedly contact me unless I miss my pay promise. Once a pay promise is made and they make contact with me, I do n't believe I should be repeatedly harassed for the payment. XXXX, possibly the XXXX or XXXX, got on the phone with me and proceeded to DEMAND a post dated check. I informed her that I do n't have checks then she said that 's what they have to do. However, I had never been demanded a post dated check at this office. She basically attacked me and spoke to me like I was a child. I felt very attacked. I was then accused of using obscene language with others in the past, which I have never done. She claimed that XXXX expressed to her that I had cursed her out before. I informed her that was a lie. She then retracted and said that XXXX expressed I was rude, not that I cursed her out. During the course of the conversation, I was told by XXXX, " I can go at this all day. You ai n't gon na win, '' then " You just mad cuz I called you out on your mess, '' and " I do n't care because imma be ok after this arbitration, honey. '' She then accused me of speaking to her in such a manner because " she 's XXXX ''. She expressed that I spoke to her colleagues differently because she 's the only XXXX girl in the office. It is my understanding that she is new to the office, therefore, I 've never met her and only conversed with her via telephone. This was actually the first conversation I ever had with her. I had no way of knowing the XXXX of her skin and that is absolutely irrelevant and absurd. Never in my years working with First Heritage Credit have I been harassed, disrespected or spoken to in such a vulgar and obscene manner. Prior to this incident, First Heritage Credit has always been professional, sympathetic with my shortcomings, and willing to work with me to find solutions. It baffles me that they would employ such a negative representation with their company. I am absolutely ashamed of this company at this point and never want to do business with them again.
10/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 350XX	Web
I filed an original complaint against First Heritage Credit in XX/XX/2018 because they continued to contact me at work after I told them back in XX/XX/2018 to remove my work number and not contact me at the number again. They continued to contact me there on multiple occasions. I filed the original complaint, to which the company responded saying that no calls had been made since I instructed them not to back in XX/XX/XXXX. That was a complete lie. Today, XX/XX/2018 at XXXX XXXX, XXXX XXXX at the XXXX location of 1st Heritage Credit contacted me again at my work number. I asked her for her full name, which branch she was calling from and who her manager was. She provided this information. I asked to speak with XXXX, who she said was the branch manager. I asked XXXX why she was contacting me at work, after they have been told repeatedly not to contact me at that number. XXXX said he was not aware of her calling my work number and apologized. I asked why my work number was still in their system, as I had previously been told it had been deleted. He said he wasn't sure, made a reference about his DM that I didn't understand, and said he would make sure it was removed. I told him I had already filed a complaint with the CFPB and that I would be filing another one. I hung up with XXXX and then called XXXX XXXX, who wrote the response on behalf of 1st Heritage for the initial complaint. I told her who I was, what had happened that instructed her to get her XXXX branch under control. I also informed her that I would be filing another complaint with the CFPB. I then hung up. They continue to harass me and put my job in jeopardy. I want them fined this time around.
08/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48239	Web
First heritage Credit in XXXX, TN called asked for the wrong person I asked that the not call the phone anymore and XXXX XXXX or should I say XXXX still did. Also called a work number and was asked not to call there and she called again the next day which is a violation of the fair debt collection practices act. That vey next day when she was told not to call the day before spoke to an HR director asking personal information about an employee. And told the HR director that she was going to garnish the wages when she shouldn't and where can she send the garnishment to. This employee has not even been served so that was a threat when the company doesn't even have a judgement. XXXX XXXX XXXX slandered this employees name and discredited her deformation of character. I spoke with her supervisor XXXX XXXX who works out of XXXX, TN office he said he knows nothing of the issue and that she shouldn't have said that if there was no judgment and employee has not been served. I also called the county clerk office in XXXX to see if they sent anything through there courts in XXXX county circuit court. I spoke with XXXX and XXXX on XX/XX/XXXX she explained she has not filings with the courts under any such name or other names possibly used. XXXX XXXX also said he would contact me by the end of the day to let me know what was going on. I never heard from him and I as well called the office back and he still was not there. This is a violation of practices when the employee has not been served or a judgement nor even a letter to inform her of the account delinquency.
05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 39648	Web
On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.
04/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 373XX	Web
I had the account for over XXXX years with timely payments until I lost my job in XXXX 2014. I made my last payment as of XXXX 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in XXXX regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small XXXX {$1200.00} XXXX. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last XXXX months. They demanded I pay {$400.00} immediately and I stated I do n't start my new job until Monday XXXX and could n't make a payment until XXXX my XXXX payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called XXXX more times after my request.
01/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 712XX	Web
I received a letter from XXXX XXXX XX/XX/XXXX stating that owed an original creditor an amount. The letter stated that I needed to contact the firm. That the amount stated is delinquent & owed. That there have been no indications that I have made any payment arrangements to resolve the matter. The letter stated I had 30 days to dispute the validity of the debt. On XX/XX/XXXX reiterating the same rhetoric and language. I responded to the letter with my own letter on XX/XX/XXXX in which I disputed the validity of the debt. I requested that they provide me with validation of the debt as well as other remedies required of them by law. On XX/XX/XXXX they responded with no validations and further threatened to sue or litigate matter if I did not provide full payment within ( 10 ) days, together with any court costs, attorneys fees, and other fees which may be incurred. They requested that I call them immediately to theyre office or face legal actions after I requested in writing to communicate only thru writing.This law firm is unprofessional in its conduct concerning this collection matter. I have consulted an attorney and was advised to file this complaint to aide in our defense should litigation occur. I will be responding to theyre most recent letter of XX/XX/XXXX. I will include the all the correspondence between us for your preview. Thank you
02/01/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 367XX	Web
I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!
08/10/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MS 388XX	Web
At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.
07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37415	Web
I have been receiving several calls and letters in the mail from a company called 1st Heritage Credit. They stated that they sent a live check in the mail and that I have cashed it or gotten a loan from them. However, I have NOT received any sort check in the mail neither have ever cashed one. I do know that all mail that looks like junk mail to me I just throw away. I never opened any mail I received from this company until one day when I got a nasty phone call from 1st Heritage Credit. I told them that I have not received a check from them, I have not cashed a check from them, I have never taken a loan out from them, have never did business with them and furthermore don't need too. However, they kept calling and continued sending me nasty letters in the mail and they are still doing so to this present day. I called the none emergency police agency twice and talked to an officer and had them look up the company. The police told me it sounded like a scam and the other person at the police office who looked up the company told me that 1st Heritage Credit has a scam alert. This company is still sending me these bogus letter, nasty letters at that about a debt I don't owe.
07/26/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 70301	Web
My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!
09/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70769	Web
My husband and I purchased furniture from XXXX XXXX. We applied for a 24 month interest free loan through XXXX XXXX that was being financed by 1st Heritage Credit ( First Heritage Credit XXXX XXXX XXXX XXXX, XXXX, XXXX, LA XXXX, Branch Manager XXXX XXXX ). The amount of the furniture purchase was {$2700.00}. We received correspondence from 1st Heritage stating our payment amount was {$100.00}. This means we would not pay off the purchase price within the 24 month interest free period if we paid their " payment amount. '' We then received a " 1st Heritage Payment Statement '' stating that our loan amount is {$3800.00}. 1st Heritage 's statements and correspondence have been very misleading. We did not agree to a loan amount of {$3800.00}. We also do not owe them {$3800.00}. We feel as though 1st Heritage is making these process misleading and trying to get us to pay an extra $ XXXX for the furniture that was financed. This process is so frustrating that will likely take money out of a saving account to pay off this loan as to not deal with a dishonest lender. It 's frustrating that this loan appears to be hard for the average consumer to manage and understand.
07/15/2019	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	SC 29203	Web
Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company first heritage ran a hard inquiry with XXXX knocking my score down XXXX points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.
06/09/2021	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 329XX	Web	Servicemember
On XX/XX/2020 I called 1st heritage credit of XXXX mississippi and asked if they give loans to military personnel. They said they do so I applied and got the loan. At this time I was XXXX XXXX military and did not know anything about the military lending act. The APR of this loan is 37.640 % which is above the 36 % limit enforced by the military lending act. Also they required me to have premiums in order to receive this loan which is another violation of the MLA. I want to take the next step in order to void this loan but do not know how because it does not say on the internet and many attorneys I have called do not know of the military lending act. I have reached out to the issuer of the loan saying they violated the rules of the act and to void the loan but they will not. They sent this information to their attorneys to review this situation and are waiting for an answer. The excuse they used was that on my credit report it did not say I was XXXX XXXX when I told them I was in the military, showed up to the office in uniform, and gave a copy of my LES which clearly says on the top states that I'm XXXX XXXX.
12/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 363XX	Web
I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. To cancel your payment, please click " Cancel ''.
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38134	Web
Received a THIS IS A LOAN check in the mail from 1st Heritage approximate amount {$1500.00}, deposited to account and made 5 {$110.00} payments and got behind 2 payments. Branch manager came to my HOUSE and left handwritten threatening notes in my mailbox spring of XXXX during XXXX! When I called to ask why he was putting things in my mailbox he replied I walked up and knocked on your door too. Spoke with district manager who profusely apologized said no one should be knocking on your door or coming to your home to demand payment told me that I could keep making payments and account was in good standing. Made 3 more payments that never credited to account and 2 years later ( XX/XX/XXXX I receive a notice that my paycheck would be garnished for {$2000.00} XXXX from an attorney so called 1st heritage and got the same branch manager and I requested a copy of my payoff because I thought I had paid the loan off in full he told me to prove it and hung up on me.
06/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
I have a closed account on my credit report from a company called First Heritage Credit that I am not aware of. I have never had any dealings with this company. I contacted them onXX/XX/2021 to see what it was and asked them to remove it. The representative was rude and I was told to dispute with credit bureaus and got hung up on when I started to site the law to them. When I disputed with the credit bureaus it came back as valid debt. There are so many things wrong with this reporting which is a violation of 15 U.S. Code 1692g - Validation of debts 1 ) I NEVER receive a notice about this alleged debt- ( Violation of FDCPA ) 2 ) The credit bureaus ( XXXX XXXX XXXX XXXX XXXX ) reported inaccurate information that was NOT VALIDATED instead went by the words of the creditor and not the consumer. ( Unfair practices ) 3 ) This company failed to provide me with debt verification that this alleged debt is mine.
07/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37922	Web
Fair Debt Collection Practices Act, 15 USC 1692 ( e ), violation. On XXXX XXXX, 2015 my spouse received a call from an unknown number. There was no message left. She then, received a text that said, " Hey girl, how are you? '' This content of this text leads my spouse to believe it 's from someone she has a personal relationship with ( a friend/acquaintance ). Since she was in a meeting she was unable to answer the phone but did respond to the text asking who the caller was. She receive no response and then sent another text asking the caller to call back and leave a message or to respond back with who it is. She received a response back asking her to just call when she was out. My spouse called the number after she got out of her meeting and it was a representative with First Heritage Credit of TN, LLC attempting to collect on the debt.
08/29/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MS 38654	Web	Servicemember
I requested a cash loan. I was told that I qualified for the loan but had to list personal property to secure the loan. I was then told that I had to also purchase property insurance to make payments in the event that I defaulted on the payments. I was told that the loan also came with life and XXXX insurance and road side assisstance. These products were NOT offered to me as an option, but rather a condition. I was told all premiums would be prorated only for the months the loan remained active. When I returned the next month to pay off the loan in full all before the first monthly installment was ever due. I was told that I owed all of the money I borrowed plus 403 %. The cash I received {$2000.00}. All insurance was never used and cancelled. Total payments demanded {$2700.00} ... .. all before the 1st payment was ever due!
05/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 38016	Web	Older American
The loan was originally taken out on XXXX XXXX, 2015 whereby the first inquiry was authorized & initiated. The loan was for the purchase of furniture, which was delivered in XXXX, 2015. While reviewing my credit profile, I noticed that said lender had run another credit inquiry on XXXX XXXX, 2015, which was not authorized. This XXXX inquiry prevented me from acquiring another loan! I have called the lender endlessly since I noticed the second inquiry, and even made several trips to their office - all of which seemed to have literally gone unnoticed! The manager had once instructed me to type a letter, which would be forwarded to their corporate office ( see attached ) to clear the matter up. To this date ( it 's been over 4 months since the letter ), all I get is the run around with nothing being accomplished!
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77450	Web
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
08/29/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 370XX	Web
1st Hertiage Credit continually called me at work, when I repeatedly ask them not to contact me at work. They tried to serve me papers at work and when I wasn't there he made one of my employees call me and put me on speaker phone so she could hear everything that was going. He then wanted to know if he could leave the papers at work where all my emoyees could see. I told him no that he needed to delivery to my house. Which a week later he came to the hoiuse, i was not home, but my XXXX year old daughter was home and she said some man banged on the door for almost 30 minutes, to where he then venture around to the back of the house where my other daughter was located and gave her the papers. I had also just made 2 payments the month to get the account caught up.
10/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 386XX	Web
I have applied for loan through first heritage credit and have not heard from them about my application. I have not received any letter in the mail for denial or approval. I am sure I have been denied but I am legally entitled to an adverse action letter. I havent received anything. My credit has been checked by them as I can see it listed as an inquire on my credit report. I have called a couple times to a couple different branches and I havent been able to get any information about anything. This is not the proper or legal way to do business. I applied for a personal loan on XX/XX/XXXX and now it is XX/XX/XXXX and I haven yet to get any kind of answer as to what happened or to get a letter in the mail.
03/30/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 707XX	Web
This company has made repeated calls to me on my cell phone and at work. They call me from cell phones without identifying who they are just saying " hey, call me ''. they call my contacts and relatives from unknown cell numbers saying " hey, call me '' so that they will get a returned call. They have called every one of my list of contacts in one day saying they were looking for me. They call me one time and if I do n't answer they call my daughter and tell her that they are looking for me. They 've called my daughter 's boyfriend, my former mother in law and both my daughters on their cell phones saying they were looking for me. They have also done an unauthorized credit bureau check in XX/XX/2016.
07/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MS 39466	Web
on XX/XX/2019 @ XXXX she came to my door in person and threaten to garnish my wages beginning on XX/XX/2019. This is a unsecured loan that I have in a Debt reduction program. I have sent notice to the creditor First Heritage Bank that I am in this program. the lady that came to my property and threatened me is XXXX XXXX -Branch Mgr phone XXXX this is not acceptable and is against the law. Unfair Collection Practice I do not want any further contact from this bank. They have been notified to call the Company I enrolled my Debt with XXXX @ XXXX which is the main # I requested this account to be closed at consumers request and that I fully intend to complete the debt reduction program.
04/19/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TN 37801	Web
I called : Creditor Contact Details : FIRST HERITAGE XXXX XXXX , XXXX XXXX XXXX , XXXX , TN XXXX , ( XXXX ) XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my credit score . I will pay them immediately. Thank you very much. Your quick response would be greatly appreciated. Sincerely. XXXX XXXX
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29170	Web
Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.
12/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70737	Web
I have a personal loan with First Heritage and I am behind on payments because of financial problems. I have spoken with the company that I will make a payment on XX/XX/XXXX-20. THE PROBLEM IS I TOLD THE COMPANY I CAN NOT RECEIVE CALLS AT MY JOB BECAUSE MY JOB DO NOT ALLOW PERSONAL CALLS AND THEY ARE STILL CALLING ME AT MY JOB AFTER I HAVE REQUESTED 4 TIMES FOR THEM NOT TO. WILL YOU PLEASE CONTACT THEM AT XXXX AT TELL THEM IT IS THE LAW THEY CAN NOT CONTINUE TO CALL ME AT MY JOB IF I TOLD THEM NOT TO OVER AND OVER AGAIN. THE ADDRESS IS FIRST HERITAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. THANKS, XXXX XXXX
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37086	Web
I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.
02/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 707XX	Web	Servicemember
I received a loan check in the mail from 1st Heritage located in XXXX, LA .. XXXX XXXX XXXX..in the amount of {$1200.00} it hit their bank as XX/XX/XXXX ... I repaid {$1200.00} and {$20.00} and XXXX.. They are trying to charge interest in excess of of 26 days of interest .The loan really hasn't been originated since I paid off before 30 days .. I was told on the phone that the loan was due to be repaid on XX/XX/XXXX ... so they are definitely loan sharking. I would like them to accept the two fees and the amount of the check back as payment in full ... {$1200.00}
10/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 38834	Web
I received a loan for $ XXXX {$800.00} from 1st heritage credit and was signed up for extra stuff I didn't want or need. I inquired about paying the loan off early as to avoid some the interest and was told it wouldn't do any good. I was going to have to payback {$900.00} over what I borrow. At first I was told I couldn't cancel some insurance they tricked me into. Then I was told I could but it wouldn't really do any good. I don't believe it is fair borrowing a little over {$700.00} and having to pay back over {$1600.00} regardless of early pay off.
09/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37209	Web	Servicemember
The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.
03/02/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37643	Web
I have been harassed on a daily bases by this person named XXXX XXXX. I have told him on 4 different phone calls that I was working with a Debt Settlement Program and to stop calling me. He informed me that his company does not work with Debt Settlement company 's and that he can continue to call me. He has threatened me saying that there is going to be a problem if I don't pay. He continues to make this personal and I am feeling like I am being threatened.I have to add that I have only missed 1 payment.
06/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39042	Web
I had spoke with three different people at the 1st heritage credit location in XXXX MS we had agreed to make a one time payment of and work out the rest.. I then the very next day got an email from a XXXX saying I needed to make a payment I had been tested for covid that day and this has been an ongoing process I have had three tests and have been off work for three months in and out of the hospital I have been told that the people have shown up at my house demanding money. This is harassment
10/07/2022	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	SC 29203	Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
04/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 383XX	Web
My husband and I are being harassed by this company by phone calls to our phone, our jobs and certified mail. The loan is being handled by a debt settlement company. We are being told 2-3 times a week that someone from this company is calling. My personnel manager stated they have also threatened to garnishment my check. I understand that they can contact us through phone calls and letters but not calling my job. I am unable to receive personal phone calls at my job.
11/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 077XX	Web
I am being harassed by a company called 1st Heritage credit out of XXXX Tennessee XXXX for an account my father owns. They are making threats to my wife and I stating we are liable for my fathers debt and our credit will be affected and our house will be repossessed. They are constantly calling my phone mumber demanding payment. They recently called my in laws demanding payment as well. The debt owed is between them and the my father and these threats need to stop.
12/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71291	Web
XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.
12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	LA 71301	Web
I owed a debt to this finace company.I contacted them and gave them a number to contact about my debt.I am trying to have my bills consolidated.They were contacted through my consolidaters.Since then, this woman named XXXX has been contacting people I do n't even associate with or have not talked to in years.To me this is harrasment.I do not know where she even gets their numbers from.I do n't even have there numbers.
03/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 379XX	Web
We acknowledge that we owe this company money and that we are a Month behind. They call repeatedly throughout the day expecting a different answer and as a harassment technique meant to bully us into giving them money we obviously dont have. They are also calling my work number and I can not receive calls at work and they have been told this multiple times. Yet they persist. This is harassment pure and simple.
04/02/2016	Yes	Consumer Loan Pawn loan	Can't contact lender	TN 38109	Web
First hertiage Credit is worst company to due bussiness with..My loan be current and they be calling my phone back to back and it do n't even be near 30 days late..My fiance has a loan with them also and he will pay my bill sumtime and they be telling him what I owe and to pay more ... And threatened me to report to the credit bureau and my loan was n't even late ... I will never do business with them again.
04/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 363XX	Web	Servicemember
I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.
10/17/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71303	Web
They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.
09/18/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	SC 29154	Web
My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37931	Web
In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now First Heritage is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.
08/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29170	Web
New Manger discrimination against me about renewing my loan. I always make my payments on time and she was putting lies on my account so I can't get the loan request I ask for. I put in 2 request for the district manager to call me and he refused to call me also about the loan. The new manager at this location just didn't want me to get the loan because I was XXXX.
02/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN XXXXX	Web
XXXX from this office called my employer today, called my office phone today, called my cell phone and left a voicemail then called my wife 's cell phone today and left another message for me to call them. Per complaint XXXX they agreed to mark my accounts as a " Do Not Call ''. They are free to use mail or email to contact me. See attached letter.
05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 38632	Web
Per review of my credit report recently, i happened on a discretion. It stated " Paid Collection '' but i never was a collection account. This account never went legal. And i paid it all the way out shortly after. So, the account should not appear as a " Paid Collection '' I would like this thoroughly looked into and not just pushed to the side.
12/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 704XX	Web
The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.
12/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70726	Web
Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.
06/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70364	Web	Servicemember
I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.
05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 393XX	Web
I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.
08/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37128	Web
The company does not listen to repeated request to not contact me at work. They will call me on my cell phone and on my work line just to keep forcing the issue. This has been happening for about 2-3 months.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29710	Web
Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
First Heritage has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
12/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29461	Web
My loan was sent to court through XXXX county SC. It was disposed on XXXX. Today XXXX the store in XXXX SC contacted me to collect the debit. Isn't this illegal?
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 393XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 393XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 393XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
04/21/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35630	Web
They called and left a voicemail saying that I needed to call them about my account that is due and I share my voicemail with my boyfriend.
08/18/2016	Yes	Payday loan	Charged fees or interest I didn't expect	LA 71107	Web
I have a loan through a loan company and they have been calling my work place over and over again even after I asked them not to call.
02/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71291	Web
The company submitted a tax form at the end of the year XXXX- XXXX not sure but they stated that the loan had been cancelled out
03/19/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 705XX	Web
I was hurt on the job with a XXXX XXXX at the time of collection. I am now legally XXXX and cant afford to repay.
07/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	SC 29360	Web
I believe my privacy has been violated because I did not give written consent to report to the credit bureau.
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 711XX	Web
Information has been disputed and asked companies to provide original contract for services rendered.
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36507	Web
DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 364XX	Web
Im a victim of identity theft. I have no acknowledgment of applying for these
07/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22405	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71074	Web

04/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	LA 70726	Web

04/25/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77087	Web

04/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36526	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23002	Web Referral

02/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29148	Phone

01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70814	Web

12/28/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	LA 711XX	Web	Older American

12/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70592	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70814	Web

09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29687	Referral

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38128	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

08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36526	Web

08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36526	Web

08/05/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 37367	Phone

07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35022	Web	Servicemember

06/22/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 37086	Web

06/10/2021	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	MS 38652	Web

04/28/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71483	Web

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37087	Web

02/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39429	Phone

02/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29644	Web

08/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70301	Web

08/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	MS 38680	Web

07/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37415	Phone

07/08/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70764	Web

06/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37128	Web

05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37207	Web

03/13/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MS 39218	Web

03/11/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan		Phone	Older American

02/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39140	Web

10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29150	Phone

07/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71269	Web

07/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71107	Web

06/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39465	Phone

06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly		Phone

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70301	Web

06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70301	Web

05/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29483	Web

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

04/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39339	Postal mail

02/07/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	SC 29223	Web

01/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70583	Web

01/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37343	Web

09/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39648	Web

08/23/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70560	Web

08/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71112	Phone

07/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39111	Web

07/13/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35040	Web

04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web

02/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

01/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38637	Web

10/25/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 37659	Web

05/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70070	Web

04/27/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 37865	Web

03/27/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75115	Web

03/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37128	Web

03/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39119	Web

12/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 386XX	Web

11/03/2016	Yes	Credit reporting	Incorrect information on credit report Account status	MS 39501	Web	Servicemember

10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39059	Web

10/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70605	Web

09/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39402	Web	Servicemember

09/28/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 71446	Web

09/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70535	Postal mail

09/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	LA 70601	Referral

06/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70392	Web

02/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37922	Web

09/30/2015	Yes	Consumer Loan Pawn loan	Applied for loan/did not receive money	LA 70301	Web

09/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37918	Web	Older American

08/13/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	LA 71107	Fax

07/24/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70448	Referral

07/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70734	Web

07/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39553	Web	Servicemember

05/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39452	Web

03/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36693	Web

02/25/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37122	Web

02/11/2015	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 37938	Web

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	LA 70360	Web

02/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38865	Web

01/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TN 37379	Web	Servicemember

12/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	LA 70454	Web

12/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MS 39667	Web

12/03/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37416	Web

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 38104	Web

11/19/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	LA 71108	Web

10/21/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71043	Web

10/15/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71108	Web

10/08/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 38866	Web

09/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37777	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls		Fax

08/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 32701	Web

08/18/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 70815	Web	Older American

08/16/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MS 39206	Web	Older American, Servicemember

12/13/2013	Yes	Consumer Loan Personal line of credit	Account terms and changes	LA 70769	Web