PREFERRED CREDIT INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 38863	Web
XXXX XXXX : XXXX The status of this is account is actively reporting as " Closed '' on XXXX consumer report, " XXXX '' on another, and then " 120 days Late '' on another. Other discrepancies : Count of Late Payments, XXXX, as well as the XXXX XXXX information. I don't understand how this company can report information to XXXX different reporting agencies, with each dispute coming back as " verified as accurate, mind you I've filed multiple disputes over the last 3 years, yet the information is still reporting inaccurate. This has really had a negative impact on my ability to obtain any new credit accounts, which has negatively affected my wellbeing. I am aware that the creditors and consumer reporting agencies have laws they must abide by and failure to do so is a violation with penalities resulting in {$1000.00} PER VIOLATION. Seeing as this company has been reporting inaccuraties since 2020, those violations will add up quickly, as well as the tens of thousands I'm to be compensated as a result of the companies inability to follow the rules, regulations, laws, etc. I will accept a settlement of {$5000.00} which would be for ONE VIOLATION for the last 5 months from ONE CONSUMER REPORTING AGENCY. Yet in all actuality, it's MULTIPLE violations on this account, reported for 30 months, as well as reported to 3 different consumer reporting agencies- I would say those violation fees will add up substantially, therefore, I think we can agree that {$5000.00} is a very reasonable settlement. The account is also to be removed from all XXXX of the consumer reporting agencies : XXXX, XXXX, XXXX. Personally, I believe this a far better settlement. I expect payment and removal within the next 10 days. Failure to comply with those terms, will result in myself taking the next course of action, that they will be financially responsible for all cost, per my Consumer Rights Lawyer Included below are some of the active violations, for this one account, as well as only one reported month, for one consumer reporting agency. US Code Title 15 Section 1681a ( 2 ) ( a ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( disputed information multiple times, is reported differently among all 3 Consumer Reports. ) US Code Title 15 Section 1681 Violations reported by this company : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. -The information CAN NOT be accurate, nor verified as accurate, when all 3 consumer reports do not match! ( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 15 USC 1692k ( 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 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. ( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ) of this section, the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional. Disputes submitted with all 3 consumer reporting agencies, they all came back as accurate or verified. However none of the information reported to one matches the information reported to the other two. That is called INACCURATE- still after several disputes, they fail to comply with the law. Thank you for your time in this very important matter.
02/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30906	Web
Preferred Credit was reporting that the full amount of the original Loan for the Purchase of a XXXX XXXX was still outstanding due and payable, after per the instruction of XXXX XXXX and prior authorization from Preferred Credit, that thru my own volition, contacted XXXX XXXX, told them that I was experiencing a financial hardship, had had a death in the family, had no late outstanding balance due, but could see continued financial hardship and asked if I would be authorized to voluntarily return the XXXX XXXX to XXXX, and my account zeroed and closed. XXXX, the Owner of XXXX XXXX, XXXX said yes, however he would need to contact Preferred Credit first, and receive their prior authorization for the XXXX returned, and the account immediately XXXX balanced, and closed and removed from the Credit Reports. Shortly after my/his request, Preferred Credited provided their prior authorization for the return and the account would be XXXX, the account closed, and removed from the credit report. I contacted XXXX XXXX. They stated that the paperwork had been submitted to Preferred Credit, and as soon as the Paperwork was processed, my Account would be updated to reflect the XXXX balance, the account closed, the obligation satisfactorily addressed and removed from Preferred Credit, and the Credit Reports. I reported that Preferred Credit had taken months to reflect this Update and XXXX balance, and was still vigorously persuing monthly payments from me. XXXX XXXX said, they were sorry about these contacts, that the process should be over soon, and that I should contact Preferred Credit and let them know they need not continue attempting to receive monthly payments, and that we were waiting for this XXXX balance update. Preferred Credit said, until the matter is fully update, they will continue to contact me for payment, regardless. Finally we received the news at XXXX XXXX, that Preferred Credit had finished processing the return, and my account had been updated. However, on my credit reports and letters from Preferred Credit stated, that the amount owed on the account was the same. XXXX said, this is an error. We have the vacuum back, never out of the box, and the account with preferred credit is closed. They in fact never loaned me anything and XXXX had returned the advanced funds for the Vac Loan to Preferred Credit. Preferred Credit said, although they have the merchandise back, never out of the box, the Original Loan still existed, and I still owe the full amount of the Loan. I had made 12 payments of $ XXXX true, but these amounts were being applied to interest ( even after the return of the Vac ), and the Orginial Loan Amount, although XXXX had given it back to PC, they still believed I should owe and pay them the Balance. I told them, this made no since. Per our agreement, we have the prior Authorization for PC to me and XXXX, that the voluntary return of the Vac, was authorized by PC, the account was satisfied and XXXX balanced by XXXX, and PC was to indicated the account was closed, satisfied, XXXX balanced and removed from the Credit Reports. Preferred Credit had the vac back, they have the funds back from XXXX, they had 12 months of payments from me with no refunds at all, and they still stated I owed the full balance of the original loan. For almost a year, I fought to have this inacurracy updated and my account XXXX balanced with PC and removed from all credit reports as promised by XXXX, and authorized by PC. Finally over a year later and with the help of my Attorney 's Office and the DOCP, PC finally listed the account as 'no balance owed. ' Even after receiving 12 months of from me and the return of the XXXX XXXX still in it's original packing, they marked the account per the credit bureaus, repossession. How rude, unfair, not what was agreed to as expressed by XXXX and the Prior Authorization. When they FINALLY removed the balance from the account, years later, they still left it on my credit report, this time not as an outstanding balance, but as a repossession. The Original agreement was to XXXX balance or no balance the account and remove the account from Preferred Credit and the Credit Bureaus. PC has always been unreasonable and they try to not adhere to common and common sense practices. I have suffered enough, with the loss of my family member, the financial hardship itself, the loss of 12 monthly payments and no product or benefit from it, the fighting with PC to have the account updated as per their agreement and prior authorization, to have my name slandered and credit denied because of this so called {$1000.00} debt with PC which was completely false, they have 12 payments and the Vac and notice that the account is closed and satisfied. This reporting is incorrect. The Account was supposed to be closed as satisfied, XXXX balanced and removed from all credit bureau reports and from PC. Why is PC continuing to report this when XXXX is stating, there is nothing to report, the account is closed satisfied. PC is reporting this issue as an involuntary repossession, which is false and they were instructed to close account, satisfied, and remove account from all credit bureaus, which they have not.
09/15/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 159XX	Web	Older American
I responded to a postcard received in the mail stating I could receive a free XXXX detergent. Curious about this I called & talked to a XXXX XXXX telling me that I could get a free air quality check. He told me he normally only did this for a home ; but because of my concern about my XXXX & XXXX problems he would come & test my apartment. On XX/XX/XXXX he came & did a air check & told me that I had mold a pet danger in high amounts. Next thing I knew, he brought an air purifier in & turned it on & proceeded to lit up a cigarette to show how it took the smoke in. He told me he would give it to me for the price of {$500.00}. Out of desperation to help my XXXX problem, I thought I would try it ; but asked him if I could change my mind & he just gave me this funny look & told me that I would ruin my credit. The day after, I received a unexpected medical bill & would not be able to afford another payment. I called Preferred Credit, the financial place, the operator could not find my a/c number I was given. I told her I wanted to cancel my contract & she told me to call the seller. I called Mr. XXXX the same day & had to let a message telling him I needed to cancel my contract. He called me the following day & was not happy that I was cancelling. He told me that he would come & pick the purifier up in a couple of days. Next thing I knew, he dropped off a remote for the purifier when I was not home. I called Preferred Credit again to cancel telling them that I talked to Mr. XXXX. They told me they would contact him. They called me back & told me that he said he never talked to me. I talked to them again, I think they called me telling that I needed to cancel within 3 days which I did. The person got smart telling me that I had to cancel by signing & returning the contract. Now I know why when I got the contract from Mr. XXXX that he had it stapled all together. Normally u are just given the contract. She told me that it was not the responsibility of the seller to tell me that I needed to sign the contract & return it in order to cancel the contract. I signed the contract & mailed to Mr. XXXX with a letter stating that I wanted to cancel the contract & to delete all my personal & financial information. I told him I would let everybody know what a honest salesman he was especially to a single senior citizen. He called me that he received it & that he now remembers talking to me. He had fallen & had a concussion & he now remembers talking to me. He told me he could not cancel the contract that only Preferred Credit could cancel it. I have never experienced such unprofessional & deception ever. Now I can not afford to make this payment in XXXX & if I don't I will damage my credit. I still have the purifier ; but I do not use it. I think I was scammed because I desperate to find something to work for my XXXX. Somebody was lying to me about cancelling when Preferred Credit told me I had to talk to Mr. XXXX & he told me I had to talk to Preferred Credit. Mr. XXXX I feel tried to deceive me by stapling the contract so I could not see the conditions of the cancellation & nobody told me this. I signed the about part about the financing. I never heard of not being able to cancel anything.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 843XX	Web
On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX XXXX myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.
02/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78253	Web	Servicemember
This company has predatory lending practices and has not honored the agreement that was discussed between the preffered credit rep and the titanium rep and communicated to me. The company is rephrasing cash savings for the 0 apr any lending company can offer as an incentive. Also in talking to the project specialist they said my.apr was not established by my credit rating which at the time was between XXXX to XXXX. I was also mailed a revised contract that had a different apr rate orignal.apr was 21. 20 % and now it's 20.60 % on my online account so why was it lowered.? I am not mistaken about the incentive I was offered. As consolation prize they want me to clear 36 month tem loan in 2 monthsand they wont charge me interest? That would require me to make {$400.00} payments monthly They have sympathy for me but they should have also done their due dilgence to screen the companies they provided financial services to theough solucitation. The customer service representative was also impolite. Since I've paid 770 to date only 400 isj dollars has went to principal on {$1600.00} dollar loan as military spouse and vet I know the mla act covers up to 36 %. I notified the specialist as well that I was being overcharged in interest in addition the finance charge and premium service fee?. I want the 6 months of no interest/cash savings honored. My next resolve is to file a complaint with the ftc. I have no problem paying off the balance. I would like to do it in the allotted time I was given. Please see the email i sent to furyher discuss.. Especially how contrite their service rep was with me. I feel like I'm being preyed upon again with payday loan agreement terms. That's not what I signed up for. Credit cards financing are not this predatory. The company is listed as a financial institution surely they can fix this issue of fraudulent service. I can provide the altered original contract sent to me by them. I filled a complaint with XXXX. The company did not want to honor the agreement
08/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85742	Web
On XX/XX/XXXX I submitted a Payment for the final amount of {$42.00} it was processed on the following day, On XX/XX/XXXX they took another full payment of {$68.00}. I called them on XX/XX/XXXX to get the problem resolved. I was told that the payment would not stop until I called them, so they would have continued to take monthly payments every month had I not called on the XX/XX/XXXX but it was to late and they could not refund the amount taken on XX/XX/XXXX even though they were paid in full. I again tried to contact them by email and again on XX/XX/XXXX with no avail they keep insisting that They do not owe me anything but the {$19.00} which would have been the only over payment if I had not paid the full amount on XX/XX/XXXX. So now I am going to have to go to my bank and have them refund my money to me that they will not an go through the whole aggravation of fixing their mistake. It is not fair nor is it right that this is how they conduct their business. Thank you for your payment. Below you will see the email sent to me. Due date of XX/XX/XXXX2018 paid on the XX/XX/XXXX. I removed account information for privacy reasons. Their should not have been any other payment due on the account or any more money take from my account. This email is to confirm your payment submitted on XX/XX/2018 for your Preferred Credit account. Confirmation Number : XXXX Payment Amount : {$42.00} Scheduled Payment Date : XX/XX/2018 Amount Due : {$42.00} Payment Due Date : XXXX-2018 Account Nickname : XXXXXXXX Routing Transit Number : XXXX Account Number : XXXX Account Type : Checking Account Category : Consumer If you have questions about this payment or need assistance, please view the payment online at http : //www.preferredcredit.com, or call Customer Service at ( XXXX ) XXXX. Thank you for using the Preferred Credit electronic payment system. ( A friendly voice when you need it - easy, self-help options when you don't. )
11/21/2017	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX XXXXX	Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
06/01/2021	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	GA 30127	Web
XX/XX/2021 the full remaining balance of loan account XXXX with Preferred Credit was paid in full. Prior to this in XXXX the balance was paid 50 % off. I called Preferred Credit multiple times in XXXX, XXXX and XXXX to ensure these payment updates would be reflected and they were not. I called the credit bureau XXXX multiple times and not only was the information never corrected their questions used to identify my identity were accounts that were not mine or did not have a valid answer. When I informed them of this they hung up the call after one to two hour hold times. I disputed this online twice and the last time on XX/XX/2021 confirmation : XXXX and the investigation should have been completed XX/XX/2021, but it remains locked with no results. Therefore, I can not dispute it again because it shows active but nothing being done to resolve it. I have called the credit bureau XXXX and they have refused to fix it. I have called Preferred Credit and spoke with two Supervisors one XXXX and explained how it affected my credit score and needed to be removed from my credit report and it was not fixed. I emailed complaints with supporting documentation on XX/XX/XXXX and XX/XX/XXXX and have not received any responses. On XX/XX/XXXX again my credit score went down XXXX points on XXXX with no explanation or supporting documentation and this account remains on there. I need this preferred credit account removed immediately and my credit score updated immediately. I would also like to file a formal complaint against XXXX for knowingly reporting false information, refusing to correct false information and knowingly allowing my credit score to be impacted by this false information. I also want to file a formal investigation into Preferred Credit for refusing to ensure correct information is reported to the credit bureau and causing harm to my credit score and ability to purchase.
06/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 957XX	Web
On XX/XX/2020, a certain company made a vacuum cleaner which doubles as a air refresher presentation at my residence. I decided to buy the product so they linked me up via phone call with their affiliate loan company to finance the product for me. The loan company is called Preferred Credit Inc. During the call, I requested to know the interest rate on the loan, the Preferred Credit Inc. rep said he does not know, and that I will find out later. I pressed on him several times to disclose the loan 's interest rate, but he will not disclose it. Besides, the invoice they send via email does not provide interest rate, interest amount, not even account number on it. I saw some numbers on my bank account description and I assumed it was the loan account number. I called their customer service and asked again what is the interest rate I pay on the loan every month since XX/XX/2020, and the rep, who is a different person from the one I talked to at the time of signing the loan, will not tell me but I managed to get the interest amount from her. Out of a monthly payment of {$99.00}, {$64.00} was charged as interest amount for XX/XX/2020. Suspecting that the interest rate will be so high and they failing to fully disclose the interest rate to me, i requested to sign-up to their online portal. The rep sent me a link to sign-up ; after clicking on the link and having several error webpages, I got a way around it to sign-up to their web portal ; and confirming my suspicion, the interest rate was as high as approximately 22 %. Had this interest rate was disclosed to me at the time of signing up for the loan, I will not take this loan. The interest rate is outrageous and I am therefore filing a complaint for failure to fully disclose material information that will help me, a person of sound mind, make a reasonable decision ; especially when I requested for it.
09/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73160	Web
On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.
03/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92503	Web	Servicemember
I purchased a set of Saladmaster cookware and used Preferred Credit, Inc. ( PCI ) for the financing. The promotional financing was 12 months same-as-cash. The contract says that I will not be charged interest on the balance until the 12 month period expires and the interest will only be applied to the unpaid balance. I received XXXX statements, XXXX in XXXX and XXXX in XXXX. My XXXX statements shows an interest charge of {$55.00}, which increased my overall balance. I contacted PCI and spoke to a supervisor named XXXX. I explained that I was not supposed to be charged interest and that I wanted the statement corrected. She said that even though I do n't have to pay the interest right now, PCI is required to show the interest that " would be due '' if I did n't pay before 12 months. They do not however, report the actual balance without the interest charge. I asked her if the balance that PCI reported to the credit bureaus included the interest charge and she said yes. I demanded that PCI stop reporting a debt amount that I did not actually owe and that PCI correct my statement to show the actual amount I owed under the 12 month same-as-cash agreement. The supervisor refused and said they were required " by law '' to report the balance that included the interest, even though I do n't owe that amount unless and until I do n't pay the balance within 12 months. PCI is falsely reporting my actual debt balance on my monthly statements by including the unearned interest. The statement does not reflect the actual balance, which does not include the interest. Additionally, PCI is falsely reporting the debt balance that includes the unearned interest to the credit bureaus, which makes it appear that my actual debt is greater than it currently is.
09/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23803	Web
XX/XX/XXXX I had the XXXX XXXX XXXX come by my house and give me a demonstration and at the end of the demonstration I decided to purchase the bed and when I did they wanted to get the money right away or me sign for this credit : Preferred Credit, inc. Or pay a higher price if I didn't purchase the bed the same day, basically bullied into going with this Preferred Credit Inc. After paying for 9 months I called the Preferred Credit and decided to make an extra payment and got the payoff amount. I decided to make a payment of {$2000.00}. They told me that I have an installment plan, and that the {$2000.00} would not go to just the principle. So all the time I wasn't getting any statements to see what they were doing, I asked them to send me statements when I called in XX/XX/XXXX and I just recently got a statement for the first time that I had to call them for the third time XX/XX/XXXX it arrived XX/XX/XXXX. They told me I was not allowed to call them anymore and would be charged {$10.00} every time I talk to a agent and was referred to the website to look at my statement so I did and that's when I discovered that the payments I have been making to the principal was not equal the amount that they were showing and they took more interest off of the XXXX I paid that I believe that they should have. I don't understand this company the way the interest is calculated seems to be every month is different. I want to get out of this contract and pay this off immediately but they do not want to discuss anything over the phone and they're saying that I owe more money then obviously I paid so they seem to be treating me unfairly and paying more interest than nessary.
09/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft. Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.
08/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	ME 043XX	Web
I called Preferred Credit on XX/XX/XXXX. Spoke with the rep who answered the phone. Asked about the debt and how to take care of it. She told me that the debt was charged off in XXXX as a loss. And at this time I was not obligated to pay off the debt. She couldn't give me written proof that I was obligated to pay the debt off. And that I could pay it in full if I wanted to but not obligated. I asked to settle and have it removed and she told me she couldn't do that as if it wasn't paid in full they couldn't take it off my credit report. And I asked her if I wasn't obligated to pay the debt, but offering to settling it with a agreement of less than what was owed, and they still wouldn't take it off my credit report doesn't make sense. I was trying to settle a debt that the company told me I wasn't obligated to even pay, and all I asked was to remove it from my credit report if we came to an agreement for a fair settlement price. They still wouldn't accept that. And I asked again if I wasn't obligated to pay then they need to remove it from my credit report and they said they couldn't. The company isn't even reporting the correct information on how much the debt is for. It says XXXX but it is actually around XXXX. I am asking that you investigate this information. And if it's not correct, that is to be taken of my credit report. Thank you. XXXX XXXX XXXX
07/18/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web
I was pressured into buying this product by a sales person that would not leave my home after coming in to drop off a " free '' product that I had " won '' at the XXXXXXXX XXXX Woman 's Show. She played upon my son 's health issues and assured me that by providing ten people 's contact information I would not owe anything for the machine. I was leery of the purchase because of the extremely high interest rate and the predatory nature of the whole pitch, but she would not leave until I purchased from the XXXX XXXX XXXX Systems. When I did not make payments I reached out the sales person ( the only contact number I had ) and she did not return my calls. I could not locate anyone to speak to and they never reached out to me despite my phone number not changing since 2005. When I attempted to buy a home this Preferred Credit showed up as a negative account on my credit report. I had no clue who that was so I disputed it, but the reporting agencies told me to deal directly with Preferred Credit. After two weeks of constant back and forth and arguing I finally paid a settlement amount just to be able to move on with my life. This company starts out by lying to its customers and then backs people into unwinnable situations to extort money out of them all for products that do not do what they promised to do.
09/11/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76048	Web
I purchased a vacuum on a XXXX XXXX. I performed everything i was supposed to in order to receive a total write off on the item I purchased. My sales rep refused to submit the appropriate paperwork to have this debt taken away. I have told the company repeatedly to stop calling, that my financial situation was not the best right now due to the pandemic and getting a divorce. They still continue to call and send mail correspondence. They have even contacted me via phone at my place of employment. This could cost me my job. A representative with the company came to my home, crossed a gate that states no trespassing. My XXXX XXXX were home at the time. This is not ok as we are in the middle of a pandemic and everyone in my home is considered high risk. I was also granted this in the divorce as I had completed the contingency terms of my contract and was having difficulties with my original representative. I have asked them repeatedly to remove my ex-husband from the account, provided them with a copy of my divorce decree and asked them to remove this from his credit report. They said they removed him from the account and they have not. The notice left on my door from their rep has his name on it and they are still posting his credit. I have disputed this on my credit and he has disputed it on his.
04/18/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 77407	Web
a week ago ( XX/XX/2023 ) a XXXX salesperson came to my house and i politely declined at the door but was basically forced in to letting her in to give me a demo. i told her i had to go to XXXX and she told me " i'll be done before XXXX closes '' she was at my home for FIVE hours. i told her i wasn't interested because i couldnt afford it due to me being a XXXX XXXX XXXX taking care of my XXXX XXXX XXXX brother. she insisted and would not take no for an answer, i was scared for me safety as she was in my home and then called her boss into my home as well. she told me her boss could get me a lower down payment of {$21.00} and brought him into to quote me and give me paper work. i continuously said no but i eventually gave in because she told me i had 30 days to cancel and return and she was growing more impatient and agitated. my mom was XXXX they ran my credit and i told her i was planning on canceling. i call today and they tell me i only had 3 DAYS to cancel my contract. its been a week. i cant afford {$79.00} a month, i dont have a job and if i dont pay them my credit score is XXXX she scammed and manipulate me into not only taking out a line of credit but getting this stupid vacuum! i really cant afford this and no one is helping or answering the phone
08/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WI 54751	Web
XX/XX/XXXX I paid XXXX as the payoff amount of the loan per an email I received from the company, PCI. Then XX/XX/XXXX I logged into the website to follow up from an invoice email I received from them. The website showed the " regular amount due '' but also showed the account balance in parentheses, which typically implies a credit balance. I called to clarify and was told that my account did have a credit balance and they would be requesting a refund. XX/XX/XXXX I called again because I no longer had access to the online account and was told that I did not have a credit due. In fact, XXXX the Manager on duty at the time, told me that there was a " few dollars '' remaining and the company likely just closed out the account out of a courtesy. I tried explaining my previous conversation with the representatives from his company and he was dismissive of the information. I have received my refund and a letter stating that my account is now satisfied. I am concerned that this company is not keeping accurate books for their clients. The way the statements read appears that there is still an amount due and that is misleading.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
02/13/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 499XX	Web	Servicemember
In XXXX of 2015 I was contacted by XXXX of Minnesota. I was understanding that they wanted to talk to me about some health issue. When they came to my home, they turned out to be vaccume selling people. They sold me a vaccume and an air purifier and I had it financed thru Preferred Credit , Inc. of XXXX XXXX, MN. in the amount of {$4000.00}. My wife worked at XXXX at the time of purchase. In early 2015 XXXX closed and she lost her job. I contacted P.C.I. and told them I would have to reduce the payments for awhile until she found a new job. Apparently they did n't like that I had to do that and they started reporting negatively on my credit report from then thru now. I have contacted them several times regarding this matter and they refuse to remove negative reporting, even tho I am now making regular payments to them. They said, I signed a contract and there 's nothing they can do about it. It has really damaged my credit and I am trying to get a mortgage and with this on my credit, I ca n't get a loan. My lease is up in XXXX and I have to move so I need help. Thank you
11/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60707	Web
previously disputed a CFPB complain and results came back stating account not reported with XXXX. Preferred credit revolving account is factually incorrectly. All 3 bureaus are reporting account status as closed with a balance of {$5600.00} with the payment status of charge off with different account #. XXXX XXXX is reporting account # as XX and no data whatsoever on payment history whereas XXXX is reporting account # as XXXX with payments and late payments on payment history. XXXX is reporting account # as XXXX with OK as agreed from XX/XX/XXXX through XX/XX/XXXX, yet all three bureaus are missing data on date last payment. This is ridiculous! There is no way that account can be accurate and reporting on credit report when all three bureaus are reporting differently. Information should be the same when coming from the same furniture data. date less active is being reported at XXXX XXXX by XXXX XXXX and XXXX while XXXX reports XX/XX/XXXX. It is not acceptable that all three bureaus are reporting the same account separately! This is increasing my total debt by doing so.
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33009	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
02/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OR 97086	Web
Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.
04/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	TX 78253	Web	Servicemember
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76244	Web
XXXX. {$2000.00} is the " past due '' notated on credit report. I have disputed this with the credit reporting agencies several times to no avail. If anything, the company take punitive behavior toward me in regards to what the report to the credit agencies. At once point, this company, sent someone to my front door in XXXX XXXX, TX to intimidate me into paying a debt that isn't mine. I found that to be completely unacceptable. No one has the right the come on my property and intimidate more or should I say attempted to intimidate me. I asked him politely to remove himself from my property. This has never happened to me before and was way over the top. The company in question is Preferred Credit, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX, phone number is XXXX. The continually harass me about a debt that isn't mine to begin with is completely unacceptable. I want this to end and to have all information removed from all three credit reporting agencies ASAP!!!
02/18/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web
I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78232	Web
Preferred Credit Account Number XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. I've disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within XXXX business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and XXXX due to the company 's inaccuracies, yet XXXX has failed to do so even after providing proof And the company is refusing to remove it. Please delete it from my file.
05/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	HI 96786	Web	Servicemember
This was opened XX/XX/2017. I didn't not get this loan in person or online. Two individuals that are XXXX distributors were going door to door selling vacuums in our neighborhood which is government housing. ( We were not aware until after purchase that they are not allowed to be doing so ) They called this company where we have the loan, Preferred Credit. Me and my husband do not feel as if we should pay them anymore due to the distributors going about this illegally. If they refused to close account and take off of our credit report we will have to get my husband 's command involved and JAG ( military legal team ) We attempted to go in person and return item but the address given took us to an abandoned building. They're are several complaints in our neighborhood about preferred credit and these distributors as they are basically teaming up and getting over on military spouses
06/09/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78665	Web	Servicemember
I am a real person with federally protected consumer rights that you are required to follow under FCRA. XXXX Preferred Credit account is inaccurately being reported as late for the month of XX/XX/2022. I have had this account for 3 years and have never missed a payment. Information systems are not always accurate as consumer case law has proven. I am a XXXX XXXX and this inaccurate info is hurting me. Can you please improve this reporting the paid as I was paid and I have never been late. Why be so stubborn and committed to dishonoring my request for a fair reporting? I should be honored as a loyal paying client. Much larger companies have been more fair and ready to correct inaccuracies. Please be reasonable. It will be greatly appreciated. Please I am begging you to consider that the system can be in error and an removal of the late payment record is in order.
07/23/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ XXXXX	Web
I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93306	Web
I am currently having an issue with Preferred Credit. I called them back in XXXX to find out what this account was for. They informed me that though it was for an old vacuum, they were not collecting this debt. When I asked why there is a balance and why it is even on my credit report, they couldn't tell me. The representative spoke to a supervisor and then told me they had nothing to do with this account anymore and it was sent back to the distributor. I even spoke to the supervisor myself and they told me the same. I then disputed the account with the credit bureaus. I never received a response from the credit bureaus or Preferred Credit. I checked up on my credit again at the beginning of XXXX and the account IS STILL THERE AND STILL HAS A BALANCE. Credit reporting IS an attempt to collect so Preferred Credit should have removed this account.
03/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89502	Web
I received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.
10/31/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web
Theyve called XXXX times about a water soft system, and Ive repeatedly told them I dont have whatever that is! They are saying they have my signature but I havent signed anything about a water soft system! I dont live at this address they say it is located! I was told by XXXX of there agents that this would be removed, and now I have to go through all this headache. Ive never been married ever, they are saying I signed this with a spouse. This is putting a bad impact on my credit report, not to mention it is reporting as a credit card, I dont have any credit card for this company! I would like this fraudulent inaccurate information removed from my credit report. I have attached a image of this reporting as a credit card, but how can a water system be a credit card! This really hurting me, reporting this false information
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 33610	Web	Older American
When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.
02/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WI 549XX	Web
In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.
03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33073	Web
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
02/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MN 55433	Web	Servicemember
I purchased a XXXX in XX/XX/2016, we made payments for a few months. In XXXX and XXXX we had some financial trouble and fell behind. We picked back up and made payments over what we owed to get out of " collections '' even though they were still accepting our payments. In XXXX the finance company called my work phone, I explained that I can not take calls at work and asked them very firmly never to call my desk again. This month we are short due to me having to take time off of work for health issues. the payment came out this morning and they called my desk phone again! I may lose my job because of this and it is a huge violation since I have asked them previously to take that number off of my file they CAN NOT call it.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IA 511XX	Web
I am a cosigner on an account with preferred credit I have never been late on any loan when the XXXX and XXXX payments were not paid they never sent anything to my resident or a call for me to resolve the problem but instead reported a missed payment on my great credit score which in return dropped my score XXXX points after learning this I was able to call and the response I was given is they can not take this off my record in return I paid to get the account up to date but I am very upset they didn't notify me to get this resolved before the damage to my credit score I would like this missed payment removed from my record since I was not informed of this and was not given a chance to resolve this problem
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 730XX	Web
During this Covid-19 pandemic I have been unable to make a payment on my preferred credit account as my wife lost her job and my income was hit hard. They said that wouldnt be an issue and then whenever I got some money I paid the entire balance off but they reported a missed payment for 90 days which really hurts my credit. I have never missed a payment and have always had 100 % payment history on all my accounts. I would really like to get this removed and to show that I still have 100 % payment history. I think its really unfair and a really bad look to report something like that during a pandemic and a crisis that most everyone has suffered.
04/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AR 721XX	Web
On XX/XX/2022 I financed a rainbow XXXX and power nozzle from Preferred Credit LLC. On the bottom of the contract that I signed it clearly stated that I had a 3 day return policy. On XX/XX/XXXX I contacted the seller of the rainbow and told her I wanted to return it, she said she would come pick it up and in the mean time I sent over certified mail of written statement that I was canceling the contract. The rainbow was returned and Im still getting charged for the rainbow although I no longer have it in my possession, they have put a big impact on my credit, Ive called Preferred Credit LLC and they have been no help.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84075	Web
I did not do what the company said I did. An agent from the XXXXXXXX XXXX had my phone and information and did it all. I did not agree to any of this and my monthly budget did not fit in. The agent from the XXXX XXXX lied about her intentions with my information and lied about the amount I make monthly. I did not agree to these charges And payments, I was told the company was covering it all. I do not have the product they claim I have because I did not agree with it after I found out what she signed me up for. I sent in a previous report please refer to it for additional information on this complaint.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33073	Web
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
11/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I need this company to prove that that is my signature on the documents that they claim they have. If that signature can not be proven to be mine, then this fraudulent information needs to be removed from my credit report.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84075	Web
I never signed any paperwork, anything on a devise or verbally agree with anything. I do not have the product that was supposedly sold to me. All my information was filled out by an agent with some company and I did not acknowledge the loan she was creating in my name. I have attempted to reach out and cancel it through the loan company and they have done nothing even after saying they will multiple times. I have also disputed it with all 3 credit bureaus and only XXXX has taken it off. The other two keep saying it was verified and updated. I am a victim of fraud.
04/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28262	Web
After contacting the company by email, phone and through the XXXX, the company replied with information to identify me that was incorrect. For example : my name was not spelled correct in there system and my address and phone number were not mine that they had. I spoke with a women by the name of XXXX as well and faxes over police reports and complaint filed with the FTC identity theft report. The company which goes by PCI preferred credit inc. has refused to delete this account from my credit report and has caused my credit score to decrease by over 124 points.
07/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30606	Web
On XX/XX/2018 XXXX XXXX XXXX XXXX, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
10/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33414	Web	Older American
My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved. I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!! XXXX XXXX
12/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76040	Web	Older American, Servicemember
A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done
03/13/2018	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	LA 70769	Web	Servicemember
It is showing on my credit reports that Preferred Credit did a hard inquiry on XX/XX/17. An inquiry/letter was sent to the company to provide explanation for the hard inquiry. Preferred Credit responded by stating that my credit was pulled on behalf of XXXX. I have never visited XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received any services or financing from XXXX. XXXX is an unknown company.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84088	Web
Preferred Credit Inc. Is reporting lates on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 and they are inaccurate. I recently took a look at my credit and noticed these lates reporting. However, when I go this account I set it up to auto draft and have never had an issue. However, my bank statements show that payment has been drafted from you but I'm not sure why late notations are reporting. My payments have always been on time, this is not my error and they must be removed.
10/14/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IA 52761	Web
Inaccuracy on reporting - last activity Date of last activities per bureau on the credit report : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX - The high balance amount is also different between credit bureaus XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX - Date of the last payment has been reported incorrectly XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This means that they kept reporting even after 90 days, which is against the fair act.
03/30/2018	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	AL 368XX	Web
I have requested multiple times that this company provide proof of my authorization to inquire on my credit. I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
04/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80817	Web	Servicemember
I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.
09/28/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 38135	Web
Preferred Credit has continued to call us within minutes of each other to let us know our payment is late even during the grace period before its actually late. We let them know our payment would be late due to us having a XXXX. Today on XX/XX/XXXX, they called twice in a row 3 minutes apart after already leaving a voicemail. Having worked in collections myself, I happen to know this is not legal. We have a XXXX XXXX and this has to stop.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87124	Web
I disputed the account for Preferred this on XXXX website, the XXXX website and thru XXXX website. I also made a complaint thru the FTC regarding this as well. I tried calling the company, but got no where. They said that the person had submitted a copy of my license to finance this. I'm not sure if this was a fake license or what. Which has happened years ago where someone made a fake license to cash a fraud check against my account.
05/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85033	Web
I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.
10/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92404	Web
XX/XX/2013 I sign this contract and payments are {$90.00} per month and I have three years with this account and gave me an interest of 13.99 and this does not lower the total cost account I look at credit report and there are XXXX debts the same company called Credit preferrred, inc like me saver that is not the low debt I already talk to them and say that everything is fine but I see how much state or payments
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77407	Web
The account with Preferred Credit was settled for less than full amount recenty for around {$110.00}. The company made a settlement offer to consider the account paid and closed. The payment was sent on XX/XX/2020 and cleared my bank. As of XX/XX/2020, the company reported the remaining balance is still due and failed to update all 3 bureaus. Requesting immediate update to all bureaus and account closed.
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	GA 310XX	Web
I WANTED TO DISPUTED THIS OLD ITEM I FELL INTO HARD TIMES AN WAS UNABLE TO PAY I TRIED TO WORK OUT A PAYMENT PLAN WITH ORIGINAL CREDITOR AN COULD NT WITH STAND PAYMENTS THIS WAS BACK IN 2016 FOR ORIGINAL AMOUNT FOR {$2000.00} I WANTED TO REMOVE IT BECAUSE IT DOES NOT BELONG TO ORIGINAL CREDITOR THIS IS THE WRONG INFORMATION AN HURTING MY CREDIT PLEASE HAVE ALL 3 CREDIT DEPARTMENT REMOVE IT
10/17/2018	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	GA 30046	Web
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
01/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 743XX	Web
My credit report shows a loan of XXXX dollars opened in XX/XX/XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.
01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76087	Web	Servicemember
I applied for a XXXX vaccum cleaner through Preferred Credit they gave me the product and I received 2 letters stating that I was not approved 2-3 days after I received the letter I Called and asked them to pick the vaccum up they never came so now they are reporting this on my credit report still have the vaccum still in the box just want this off my credit report
07/21/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	HI 96707	Web	Servicemember
This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.
09/13/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	WA 98023	Web	Servicemember
I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.
09/28/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	TX 77095	Web
On XX/XX/23 a fraudulent credit card by preferred credit was opened in my name using my social security number. I have contacted the merchant to get this fraudulent credit card removed. I did open this card and ask that it be removed from my credit profile. Preferred credit XX/XX/23 {$9600.00}
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28031	Web
FCRA Violation: credit card not mine PREFERRED CREDIT XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX FCRA Violation: hard enquiries not mine XX/XX/XXXX FCRA Violation: addresses and name not mine XX/XX/XXXX, TX XX/XX/XXXXXX/XX/XXXX TX XX/XX/XXXX FCRA Violation: auto loan never lateXX/XX/XXXX
01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 34638	Web
I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
01/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WI 549XX	Web
I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX
05/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 549XX	Web
my account should be listed as closed on my XXXX and XXXX credit file prefered credit inc refuses to send me a letter stating my account was closed and has a XXXX balance i need that letter to prove my account was closed i am very mad at this company
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92584	Web
THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 815XX	Web
Lost job and are not able to make a payment. Payment is only 3 weeks late and have received up to XXXX phone calls per day asking to make a payment and telling me they are turning me over to collections.
11/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79932	Web	Servicemember
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.
05/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30906	Web
Preferred Credit has been paid off and they stated they reported he information to the bureau. The bureau is showing the account open with a balance. I have a letter verifying it is paid.
02/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
Not sure what this is it, reports on my credit as a loan which I never took or received. Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff
06/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30024	Web
PREFERRED CREDIT Potentially negative Date opened XX/XX/ Balance - Status Paid, Closed. {$3100.00} written off. Unaware of this debt ... .no knowledge...
12/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94577	Web
I provided police reports. Someone open an account with Preferred Credit. I didn't authorize this account. This is fraudulent and needs to be removed!
10/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77035	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27834	Web
Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.
05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web
I had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30066	Web
I have a duplicate account from the same company with a different account blance but i only have one account with this company.
11/05/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	AZ 85051	Web
I noticed an account on my credit report that isnt mine. PREFERRED CREDIT XXXX XXXX XXXX XXXX, MN XXXX Account Balance XXXX
12/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94577	Web
SOMEONE STOLE MY INFORMATION AND OPEN AN ACCOUNT WITH PREFERRED CREDIT.
01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91324	Web

12/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	CA 935XX	Web

11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33021	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91730	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77056	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77056	Web

07/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33069	Web	Servicemember

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77069	Web	Servicemember

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77069	Web	Servicemember

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28214	Web

06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77090	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77320	Web

04/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39194	Web

03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30813	Web	Servicemember

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

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33177	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72117	Web

06/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39071	Referral

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16101	Web	Servicemember

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90056	Web

04/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Referral

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07065	Web

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07201	Web

03/21/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 36442	Phone	Older American

03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	KY 40121	Web	Servicemember

02/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40121	Web	Servicemember

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33314	Web

01/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70006	Phone	Older American

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32615	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77365	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77365	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85326	Web

08/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93560	Web

07/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PR 00979	Phone	Older American, Servicemember

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78251	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15219	Web

03/01/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MO 64085	Phone	Older American

02/08/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95993	Web

01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52761	Web

10/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33137	Web

07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77507	Web

07/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77507	Web

05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79762	Web

01/07/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20785	Web

07/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90710	Web

07/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90033	Web

06/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WA 98226	Postal mail

06/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 06042	Web

02/07/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78046	Web

12/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33410	Web	Servicemember

11/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33024	Web

09/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

09/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 33527	Web

08/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95815	Web

07/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40175	Web

05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29229	Web	Servicemember

12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95125	Phone

11/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MA 02653	Phone

10/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	MN 55433	Web	Servicemember

04/04/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30046	Web

03/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87120	Web

03/10/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73566	Web

02/28/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NY 10549	Web

10/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 11201	Web	Older American

10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10710	Referral

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NE 68528	Web

06/29/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 78108	Referral

05/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78660	Web

04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	HI 96720	Web

04/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33025	Web

03/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30741	Web	Older American

12/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33025	Web

10/22/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NC 27360	Phone

10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MO 64158	Web	Older American

08/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 64158	Web	Older American

07/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76123	Web

07/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 980XX	Web

04/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32435	Phone	Older American, Servicemember

01/22/2015	Yes	Credit card	Billing disputes	DC 20036	Web

12/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75454	Referral

12/15/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	GA 30318	Web

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00739	Postal mail	Older American

11/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94510	Web

11/15/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 38242	Web	Older American

10/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92110	Web	Servicemember

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NE 68516	Web

09/24/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64114	Web

08/15/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92056	Web

08/07/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KS 66061	Web