Regional Management Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75052	Web
Regional Finance is violating my rights as a consumer. I am putting the company on notice, giving them a chance to cure or be faced with civil liabilities. Let me list the violations. Account number XXXX Regional Finance is violating law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions and experiences are excluded from a consumer report. Regional Finance is reporting Payment history which is transactions and reporting utilization which is experience. Regional Finance is violating law 15usc 1681a ( d ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit credit which is a social security card that is used under Truth and Lending is defined as a Credit Card. 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The law clearly states any authorization or approval of a specific extension of credit as a result of a credit card device ( social security card ) is excluded from a consumer report. Another violation is under the XXXX XXXX. Discloses are to be given to the consumer which I never have been given by Regional Finance and all conditions have to be met in order for Regional Finance to disclose my non public personal information to non affiliated third parties ( consumer reporting agencys ). I want the company to prove all conditions met under the law. Prove that the company gave an opt out disclosure. Prove that I was given an opportunity to opt out before such information was initially disclosed to third parties. Prove that I was given an explanation on how to exercise my nondisclosure right. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In addition the Federal Trade Commission states on their government website that these discourses are to be given to the customer yearly. There are multiple accounts being reported by Regional Finance and I have yet to receive any disclosures pertaining to accounts being reported. The Federal Trade Commission states without proper consent according to the law it is fraud or identity theft under 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. I will be submitting a complaint to the FTC against Regional Finance for non compliance. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. No contract can supersede federal law. Any contract that violates federal law is FRAUD. 18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
I am the victim of identity theft. I received a letter dated XX/XX/XXXX from Regional Finance which I received on XX/XX/XXXX " welcoming me to the Regional Finance family '' and " thanking me for cashing the convenience check they recently sent me. '' There was a section on the letter referring to the " details of your loan. '' I was utterly in shock and contacted the number on the letter immediately to find out what this was regarding. I spoke to the branch manager, XXXX XXXX. I told him I had no idea what this letter was regarding. The check they were referring to turned out to be an unsolicited pre-approved " live check '' that was mailed and made payable to me but was stolen from my mailbox and apparently cashed by the thief. I told XXXX XXXX that there had been more than one instance of our neighborhood mailboxes being broken into and that our Homeowners Association had video surveillance proving this which had been provided to both the USPS Office of Inspector GeneraXXXX and the Harris County Sheriff 's Office. XXXX XXXX informed me that I would need to come to his office in XXXX, Texas and fill out an affidavit stating that I was not the person who cashed the check. I dropped everything and immediately drove to his office. An employee gave me a photocopy of their check dated XX/XX/XXXX in the amount of {$2400.00} which had absolutely no visible endorsement on the back. They asked me to take this photocopy along with an " Affidavit of Check Fraud by Payee '' to their bank, XXXX XXXX, and have the affidavit notarized stating that I was not involved in any way with cashing this check. I immediately drove to their bank and had the document notarized and returned it immediately to XXXX XXXX and handed it to him personally. He asked me to complete a form titled " Forged Endorsement Victim 's Complaint and Affidavit '' while he witnessed me filling out the form and signing and dating it on 5 separate lines for signature comparisons. I gave him both of the affidavits he required and he made a photocopy of my drivers license. He also asked that I email him a copy of the police report which I had previously filed. I emailed him this police report immediately while sitting there talking to him. He confirmed he received the police report I emailed to him. As an extra measure of precaution, on XX/XX/XXXX I mailed, via certified mail, copies of all of the documents along with a letter stating that I was a victim of identity theft and that I was disputing the fraudulent account to Regional Finance 's corporate office at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. Several days later, I received a letter from Regional Finance in XXXX, SC stating that they were in receipt of my Forged Endorsement fraud claim and that the " tradeline '' will be coded to reflect that the loan is in disputed status with the credit bureaus until the investigation is complete. The letter asked that I provide a copy of the police report, forged endorsement affidavit, drivers license, and forged endorsement victim 's complaint and affidavit. These are all of the same documents which I had already submitted both in person and via certified mail. I called XXXX XXXX and informed him I had received this letter and he told me that all of the documents had already been submitted for my claim and that I did not need to worry about this additional letter I had received from his corporate office. On XX/XX/XXXX, I received a notification from XXXX that the Regional Finance account had been reported under my name. This caused a significant drop in my credit score. I immediately filed a dispute with XXXX stating that this was a fraudulent account and I provided the police report and FTC Identity Theft Report. On XX/XX/XXXX, I received a notification from XXXX that the Regional Finance account had been reported under my name. This caused a significant drop in my credit score. I immediately filed a dispute with XXXX stating that this was a fraudulent account and I provided the police report and FTC Identity Theft Report. On XX/XX/XXXX, I inquired on the status of my dispute with XXXX and was informed that Regional Finance had responded to my dispute that the account was accurate and that it would not be removed from my credit report. I was confused and livid at the same time. I have provided every shred of evidence that was requested to prove that this account does NOT belong to me! XXXX informed me that they could open up another dispute and that I would need to mail copies of all of the documents to them. I immediately typed a letter and made copies and mailed everything to XXXX via certified mail. On XX/XX/XXXX, I contacted XXXX to inquire on the status of my dispute and was informed that Regional Finance had responded to my dispute that the account was mine and would not be removed. I hereby demand that Regional Finance and/or Regional Management STOP reporting this account under my name and social security number and remove the account from all of the credit bureaus. Having been a victim of identity theft and having to spend so much time and money mailing documented proof by certified mail has been a huge and stressful burden on me especially during the current pandemic. I never asked for any loan from this company, and I can not be held accountable for their practice of not even attempting to verify people 's identity before issuing loans under their name. This is a horrible business practice that negatively impacts consumers and it is exactly why we need the United States Congress to pass SB 3734 titled " Unsolicited Loan Act of 2018 '' : A bill to amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes. Regional Finance needs to stop wasting my time with this nonsense fraudulent account otherwise I will seek punitive damages. I will file a complaint with the Texas Attorney General 's office and I will contact my Congressmen regarding this matter.
09/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 77084	Web
I am the victim of identity theft. I received a letter dated XX/XX/XXXX from Regional Finance which I received on XX/XX/XXXX " welcoming me to the Regional Finance family '' and " thanking me for cashing the convenience check they recently sent me. '' There was a section on the letter referring to the " details of your loan. '' I was utterly in shock and contacted the number on the letter immediately to find out what this was regarding. I spoke to the branch manager, XXXX XXXX. I told him I had no idea what this letter was regarding. The check they were referring to turned out to be an unsolicited pre-approved " live check '' that was mailed and made payable to me but was stolen from my mailbox and apparently cashed by the thief. I told XXXX XXXX that there had been more than one instance of our neighborhood mailboxes being broken into and that our XXXX XXXX had video surveillance proving this which had been provided to both the USPS Office of Inspector General and the XXXX County Sheriff 's Office. XXXX XXXX informed me that I would need to come to his office in XXXX, Texas and fill out an affidavit stating that I was not the person who cashed the check. I dropped everything and immediately drove to his office. An employee gave me a photocopy of their check dated XX/XX/XXXX in the amount of {$2400.00} which had absolutely no visible endorsement on the back. They asked me to take this photocopy along with an " Affidavit of Check Fraud by Payee '' to their bank, XXXX XXXX, and have the affidavit notarized stating that I was not involved in any way with cashing this check. I immediately drove to their bank and had the document notarized and returned it immediately to XXXX XXXX and handed it to him personally. He asked me to complete a form titled " Forged Endorsement Victim 's Complaint and Affidavit '' while he witnessed me filling out the form and signing and dating it on 5 separate lines for signature comparisons. I gave him both of the affidavits he required and he made a photocopy of my drivers license. He also asked that I email him a copy of the police report which I had previously filed. I emailed him this police report immediately while sitting there talking to him. He confirmed he received the police report I emailed to him. As an extra measure of precaution, on XX/XX/XXXX I mailed, via certified mail, copies of all of the documents along with a letter stating that I was a victim of identity theft and that I was disputing the fraudulent account to XXXX XXXX 's corporate office at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. Several days later, I received a letter from Regional Finance in XXXX, SC stating that they were in receipt of my Forged Endorsement fraud claim and that the " tradeline '' will be coded to reflect that the loan is in disputed status with the credit bureaus until the investigation is complete. The letter asked that I provide a copy of the police report, forged endorsement affidavit, drivers license, and forged endorsement victim 's complaint and affidavit. These are all of the same documents which I had already submitted both in person and via certified mail. I called XXXX XXXX and informed him I had received this letter and he told me that all of the documents had already been submitted for my claim and that I did not need to worry about this additional letter I had received from his corporate office. On XX/XX/XXXX, I received a notification from XXXX that the Regional Finance account had been reported under my name. This caused a significant drop in my credit score. I immediately filed a dispute with XXXX stating that this was a fraudulent account and I provided the police report and FTC Identity Theft Report. On XX/XX/XXXX, I received a notification from XXXX that the Regional Finance account had been reported under my name. This caused a significant drop in my credit score. I immediately filed a dispute with XXXX stating that this was a fraudulent account and I provided the police report and FTC Identity Theft Report. On XX/XX/XXXX, I inquired on the status of my dispute with XXXX and was informed that Regional Finance had responded to my dispute that the account was accurate and that it would not be removed from my credit report. I was confused and livid at the same time. I have provided every shred of evidence that was requested to prove that this account does NOT belong to me! XXXX informed me that they could open up another dispute and that I would need to mail copies of all of the documents to them. I immediately typed a letter and made copies and mailed everything to XXXX via certified mail. On XX/XX/XXXX, I contacted XXXX to inquire on the status of my dispute and was informed that Regional Finance had responded to my dispute that the account was mine and would not be removed. I hereby demand that Regional Finance and/or Regional Management STOP reporting this account under my name and social security number and remove the account from all of the credit bureaus. Having been a victim of identity theft and having to spend so much time and money mailing documented proof by certified mail has been a huge and stressful burden on me especially during the current pandemic. I never asked for any loan from this company, and I can not be held accountable for their practice of not even attempting to verify people 's identity before issuing loans under their name. This is a horrible business practice that negatively impacts consumers and it is exactly why we need the United States Congress to pass SB 3734 titled " Unsolicited Loan Act of XXXX '' : A bill to amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes. Regional Finance needs to stop wasting my time with this nonsense fraudulent account otherwise I will seek punitive damages. I will file a complaint with the Texas Attorney General 's office and I will contact my Congressmen regarding this matter.
07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WV 262XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .REGIONAL FINANCE CORPORATION bal. {$960.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43201	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. REGIONAL FIN bal. {$16000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28211	Web
On XX/XX/XXXX I spoke with the Regional Finance location at XXXX XXXX XXXX XXXX, XXXX, NC via the phone about a pre-approved loan offer via XXXX to consolidate high interest credit card debt. I was told I was approved for a {$3000.00} personal loan. I asked what the stipulations were for said offer, and the agent ( XXXX XXXX ) told me there were not any to speak of. I specifically asked about prepayment penalties, etc. I then moved forward to the formal application process, via the phone. XXXX asked me for quite a bit of information -- including my bank account and routing numbers for automatic debits, proof of residence, paystubs, etc. She also asked me for the make and model of my vehicle. I asked her why that was pertinent information for the loan application. Her response was " it's just something that's on the application, we ask all of our customers ''. I told her that is extremely strange -- and again asked why it is pertinent. She told me that she did not know -- but that it's a requirement. I gave her the information. After the application was complete, she told me she would be emailing me the final documents once approved. I did not hear from her for two days. I called the Regional Finance office, and was told by another agent that " you have to come in to sign the papers, they are not emailed to you ''. I told that agent I was not informed of that, and was told they would be sent via email. I ended the call thinking I would just go in and do it anyway. A few minutes later, I received a call back from a manager ( female, did not catch name ) at the Regional Finance location. The manager apologized for the fact that I was not informed or contacted following my formal application. I told her I would come in anyway, and asked what I needed to bring with me. She proceeded to inform me that I would need to bring three references, and the title to my vehicle. I stopped her at that point. I did not apply or consent to an application for a " reference backed '', title-secured loan. I informed her of that. She told me that my application was sent in for ( including a credit check ) that type of loan. I told her the agent ( XXXX XXXX ) that I spoke with NEVER informed me she was submitting an application for a secured loan. I was told it was a " simple installment loan '' ( in those exact words ). I also never received any documentation during the application process informing me that Regional Finance offered secured loans, or that I would potentially be applying for one. I explained this to the manager, and told her that I felt that I've been deceived by their lending practices. She apologized again. I told her I wanted the XXXX credit inquiry they placed on my report revoked, since I did not give authorization for my credit to be pulled on the loan product it was ran for. She told me they don't have that ability. I contacted the Regional Finance Corporate office in XXXX, SC seeking a solution on XX/XX/XXXX. I was told I'd receive a call back the following business day from the VP of the company. That did not happen. I then filed a dispute with XXXX, which was immediately denied. I then phoned XXXX, and agents told me that they will not remove the credit inquiry without a CFPB/FTC report . Conclusion : Regional Finance deceived me during the loan application process in order to run a credit check for a loan product I did not consent application for. That is a fraudulent business practice, and deceitful/predatory lending. Proof of that lies in the response I received when I asked the agent what pertinence the make and model of my vehicle had to the loan application ( an opportunity for the agent to disclose she was submitting an application for a secured loan ). I instead received a flat-out lie. XXXX will not honor their promise for full, and thorough research for dispute requests.
02/27/2021	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37363	Web
I took out a loan back in XXXX of XXXX for {$4000.00}. I used my vehicle as collateral for the loan. I have taken loans out with this company before and usually make 1 or 2 payments before paying off the loan in full. This year was no different. I took the loan out in XXXX, first payment wasn't due until XX/XX/XXXX. I went to pay off the loan and to my surprise, the payoff was over {$5000.00} before my first payment was even due. I talked with XXXX, the Branch Manager, and expressed my concerns, as a payoff should cancel all future interest on the account. He explained to me that I took out a 80/20 rule loan that entitles them to be paid interest upfront on the loan. He explained that it wasn't a prepayment penalty, but the way the loan is setup. I wasn't aware of this type of predatory loan, nor was it explained to me at closing. Frustrated, I continued to make payments, later, requesting the payoff again. To my surprise, it was still over {$5000.00}. I then requested the breakdown of the loan documents. In looking at my paperwork, I was charged for several insurance policies and " other fees '' that I did not ask for, nor was I made aware of during closing. The amount financed totaled {$5500.00}, although I was only disbursed a {$4000.00} check. I called Regional Finance to complain about them packing the loan with insurance and " other fees '' without my knowledge or consent, neither did I receive a " right to rescind '' disclosure or anything. I also told them that I had received a phone call from a quality control company asking me if anyone from Regional Finance asked me or made me aware that I was getting insurance on the loan. My answer to them was, " no '' I was told by XXXX, that the employee, XXXX, who processed my loan, was no longer with the company. She also informed me that I can request, in writing, to have those insurances removed since it showed I had not used them, but it would not change my monthly payment amounts due. She stated that it would only reduce my principal. ( I never used it, because I didn't know I had it. ) I also received a letter in the mail, threating to repossess my vehicle if I did not pay the past due amounts. However, Regional Finance 's website shows different amounts due than what the branch tells me is due. I signed a document to deter 2 payments on the back end on XXXX. They moved those payments, however the online system never showed those payments pushed back, thus I would get letters from corporate office claiming that I was behind when it should have been fixed. I called to report this as well, and I was told that their online system has a glitch, and my account was XXXX of the few that show this discrepancy and that it can not be fixed. Therefore, I have no way of knowing the true amount I owe. I had to request documents asking Regional Finance to verify the debt as well as correct the online system. They sent me a statement on letterhead showing what was owed up through XXXX, but the online system still currently shows me as being late. I also got an alert on my credit report from XXXX stating that I was over 30 days late, when I am not. We are technically still in the month of XXXX. At this point, I have no idea what type of loan I got, what the true payoff is, what I actually owe, how the payments were applied, how much of it went to interest vs principal, what insurance policies was attached to the loan and etc. Now my credit report is showing that I am behind when I am not. All of their information is conflicting.
04/24/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX XXXXX	Web
I am the victim of ID Theft. I have submitted a police report and formally disputed this account with the lender, who has provided no appropriate response. After submitting ALL of the required paperwork to prove that I never signed, accepted, nor cashed the loan in question, I have been met with incompetence, egregious misconduct, and outright neglect in handling this disputed loan. The loan in question was a pre-approved check, commonly referred to as a live check, and although it was addressed to me, the check was mailed to an old address no less than 10 months after I had moved and vacated the residence. I was subsequently notified of a new credit line opened on my credit profile on Friday, XX/XX/XXXX. I immediately disputed the loan with the original creditor, Regional Finance Corporation of Texas ( Regional Finance ), who has failed to report this as a disputed debt to the credit bureaus. This is in direct violation of the FCRA and goes against the reporting requirements enforced and maintained by the CDIA Metro2 Guide. I have continued to dispute this debt with the creditor and they have failed to provide a sufficient response to my claim or even follow up with me as they continue to review the inquiry. As of XX/XX/XXXX, they have started reporting this as a DELINQUENT loan, with no indication of dispute. Furthermore, this loan was signed and cashed ILLEGALLY and without my express knowledge or permission. I was provided a copy of the cashed check upon speaking with the creditor. The person who signed this check filled out the Drivers License Number, Phone Number, Work Phone Number, and E-mail Address using information that does not and has never belonged to me. Whats more : none of this matches my handwriting or signature and the front of the check bears a fingerprint from when the illegitimate party cashed this check. This fingerprint IS NOT MINE. I am appalled at the complete failure of the financial industry that created an environment for all of these events to transpire. Regional Finance and their affiliated lender, XXXX XXXX, XXXX, are responsible for damaging my credit and directly encouraging fraudulent activity against me. They have failed to implement appropriate practices that would prevent unsolicited mail going to an unvalidated address. More to the point, there is no proof or indication that Regional Finance has STOPPED sending mail to previous addresses. Therefore I continue to be at risk for fraudulent and unsolicited loans cashed and taken out in my name. It is inconceivable that Regional Finance and XXXX XXXX are riddled with such careless practices that intentionally place consumers at risk. This event has now made us more susceptible to future ID Theft activity against our credit. I demand compensation for damages and will continue to dispute this claim and file formal complaints about this instance of ID Theft. I also have proof that they are continuing this practice against other consumers as similar checks have been sent to our CURRENT residence, addressed to PREVIOUS OWNERS. Please note that I intend to file separate, formal complaints regarding each instance of these improper loans on behalf of the consumers to which they are addressed. I have disputed consistently since first reporting the fraud claim on XX/XX/XXXX. I am now forced to submit formal complaints through the regulatory agencies. Further incompetence and failure to respond appropriately may be met with legal action.
06/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web
My husband and I purchased furniture from XXXX XXXX company XX/XX/XXXX. The company asked for us to put down money for the furniture that we paid directly to XXXX XXXX and overpriced it and said that they offer inhouse lending through Regional finance after getting my social security number and my wet signature to access my treasury account for the full amount of the furniture. Regional acted as the Trustee ( Bank ) for XXXX because the department of treasury only deals with bank to bank transactions. After regional financed accessed my personal treasury account for the full price of the furniture they reversed the debt to me and made me the trustee which is illegal because I am the beneficiary of my trust. As I am a NATURAL PERSON which according to the XXXX ' Law Dictionary is, " Such as are formed by nature, as distinguished from artificial persons, or corporations, formed by human laws for purposes of society and government. XXXX ''. I am not an ARTIFICIAL PERSON ( CORPORATION ) which according to the XXXX ' Law Dictionary is " persons created and devised by human laws for the purposes of society and government, as distinguished from natural persons. Corporations are examples of artificial persons. 1 Bl. Comm. 123. I am requesting that this debt be fully cleared from my credit. As 1. regional finance have failed to validate the debt. 2. I was not told that I was actually creating the credit with my wet ink signature. 3. Regional finance brought nothing of value to the table and so had nothing to lose. 4. The wet ink signatures of both parties- ( corporations can't sign because they have no Right or Mind to contract since they are soul-less fictions ; and furthermore, no third party can sign a contract on their behalf ). 5. Lawful terms and conditions of the contract were based on fraud as a Corporation can not sign any contracts with a living soul i.e natural person. I have already contacted Regional finance on XX/XX/XXXX on a recorded line requesting a written verification of invoice wet signed by both parties and a verification of debt. The representive started yelling at my husband who was requesting the information and she said, " Where is XXXX put her on the phone right now! '' " Your name is not even on the account we need to speak to XXXX now! '' So I came on the phone and told her I need a written verification of invoice and debt singed in wet ink by both parties sent by certified mail and if you are unable to provide that within 5 buisness days all debt shall be cleared from my account. She then said, " I aint got no verification of invoice or a verification of debt, what is that! Then she screamed, " Why are you recording me I did not give you permission to record me '' when in the beginning of the phone call we clearly stated, " You are on a recorded line for consumer purposes ". I have been getting harassing calls from them everyday since and they have even contacted me from an unverified number requesting payment. When we requested the same information from them they refused to provide it and said they will just come and get the furniture if we do not pay. When i told them we have the pink slip to the furniture which is proof of ownership/purchase they hung up the phone and blocked our number. Also I am requesting a full refund from Regional finance for all payments that were made from XXXX. " Without Prejudice '', UCC 1-308
11/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78230	Web
On XX/XX/2020 I received a letter from Regional Finance, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX stating pleasure to welcome to family and here are the terms of your {$2400.00} loan. I called XXXX and spoke to XXXX XXXX - Branch manager and informed him that I did not apply for a loan and do not know anything about it. He stated could not give any information and had to go to office. I informed would be there in 10 mins and XXXX gave me a copy of check. I informed him that signature was forged and I have no idea how this person got my drivers license. In addition, the person wrote a fake phone number, fake email address and signed the loan check : pay to the order of XXXX XXXX XXXX with some type of id # or check # below. I was instructed that this was a third party signature and that places no longer accept this and did not know why this check was cash by establishment. I asked why was a live check sent through the mail as I had not applied for a loan and was told that it is more common with finance companies. I said doesn't this open to forgery/fraud and XXXX said yes and that more fraud gets involved but that this company operates their business like this. He said that would mark account as a fraud alert and that I need to wait for fraud packet from corporate. I asked about a police report and was told they could not tell me to called XXXXPD but for me not to worry as it will not hit my credit because it will be resolved by then. I went home and had gut feeling that something was terribly wrong and I called XXXXPD and reported forgery of the loan check and company. XXXXPD gave me a list of things to do, places to call and to place fraud/freeze alerts on all credit bureaus asap. The next day - XX/XX/XXXX, I googled XXXX XXXX XXXX and found pages of information on him and called Regional Finance to give info. I spoke to XXXX and I then asked for corporate number. XXXX would not give me information. I asked what establishment cashed the check and he could not give it either because the check was not stamped and place was not listed. I went and googled Regional Finance company and called around until someone gave me the number and placed a call with XXXX / customer service - XXXX XXXX. I was told that they would look into it and that they had not received any information on fraud alert and no notes have been written in file. I asked for their fraud department number and he would not give me any information and he will place a claim and for me to wait. It has been a week and I still have not received a call or fraud packet. I then XXXX the company and found many countless negative reports of people having the same situation that happened to me and that many of them still have not received any help and that it has gone on their credit report. In addition, I called XXXX XXXX XXXX and informed that there was a loan check from Regional Finance-XXXX XXXX and gave the account number that was listed. I explained that this was forged with my signature and I was instructed to go to one of their local branches with police report plus all documentation. I was able to get a report on XXXX XXXX XXXX and found that he has many cases of check forgery and list of phone numbers and his current address. I am extremely concerned as I can not get a straight answer from anyone.
06/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77515	Web
I took out a loan from Regional Finance in XXXX Texas on XX/XX/2019. I started to get behind are XX/XX/2019 due to my husband getting injured and being out of work. Around this time there was also a flood in our area that caused issues for many people. I called because I was unable to make my payment due to both of these reasons and I was told by XXXX they could defer one payment for {$25.00} to help me, but I had to only pay in cash and I had to come into the store. I explained I was unable to come into store because of flooding, but I could make the payment over the phone. They refused, so when I was able to make it to the store XXXX said I was to late and they could not help me. I called the district and spoke to XXXX and she informed me that I was actually able to do 2 deferments so I set that up with XXXX. I did ask XXXX what happens if I cant continue to make the payments because of everything going on with my husband, because I did not want them showing up to collect collateral and she informed me they do not take collateral yet I was required to add it to my contract and sign on it. If I provide false information I can get in trouble, yet they are making people sign a legal contract with threats they never intend to follow through on. I ended up still having issues getting into the office for the 2 deferments because of my work schedule and not being able to miss because I am the only person working right now. XXXX told me to make sure I came in before XX/XX/2019. I went in on XX/XX/2019 and XXXX told me the deferment was no longer available because I was another payment behind, which I was not and I had to tell her that a couple times before she told XXXX to go ahead and see if the computer would allow it, which it did because I was not 3 payments behind. While I was there I brought up the collateral again and asked her why I signed a legal contract putting my property up if they never intended to take it. XXXX said it is just part of the contract. So I asked her what happens if someone does not pay the loan back and she said they try to always work things out. I explained I am sure there has someone somewhere along the way who has broken there contract and I wanted to know what happened. She said they will send an officer to their house or job. During my previous calls XXXX told me that they serve you at home and you can go to jail, which again is a threat. One thing I have not told them is my address information in my contract is not spelled correctly, on not only one page, but two. My contract says I am required to carry insurance on my collateral, yet I asked them and they said that doesn't apply to me, yet it is in my signed contract. XXXX has been working at the XXXX office for 5 years and has NEVER taken collateral yet everyone has to legally sign that in their contract. I have recorded these conversations. Also, there are many times I call to speak with XXXX and XXXX answers. She will hang up on me before I finish talking, cut me off, and when I went up there to get a copy of my contract she made me wait while she joked around with her friends. When she finally did address me all she did was hand me my contract and walk off. She never spoke to me and when I leave messages no one ever returns my call like they never got the message.
12/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79763	Web
I have been trying for months now to try to resolve an issue with resolving a balance with Regional Finance that is showing on my credit report. Its a balance of {$79.00} dollars that has actually increased from {$77.00} in the past two years for some unknown reason that I have never been notified as to the reason. I have attempted to reach Regional Finance by sending to date 4 ( FOUR ) letters to the credit bureaus. I have sent these letters to the credit bureaus to not only have them verify the dollar amount is correct ( as this is a ridiculous amount for me to have allowed to go unpaid ), but for them to provide for me the appropriate contact information as they are to verify this information as accurate. I have also attempted to mail regional finance a letter asking them to show me how they arrived at the dollar amount owed, as again I do not have any history of not paying trivial dollar amounts. I have called the number available to me on my credit report, and the number available either does not work, or does not get me to the right person. I have then attempted to get in contact with the physical company here locally and they stated they cant help me because it was sent to collections and is out of their control. ( ( how is this even possible since THEY are on my credit report showing a balance owed, not a collection company ) I have attempted to get in contact with a supposed collection agency ( at the number provided by regional finance ) to resolve the balance and the number continues to tell me its not a working number. I havent been able to get anywhere or help from anyone to pay this balance. It is my understanding that items on my credit report are supposed to be accurate, verifiable and timely ... if i as a reasonably intelligent human being have been unable to reach anyone through XXXX searches, through the contact information available to me from the credit bureaus or by regional finance themselves.. I would state that there is something broken in this system. I am requesting that someone either provides me the appropriate contact information to the person to whom i can resolve this debt, or let 's all agree that this is a massive accounting error as i truly believe that it is, and waive this debt, update my credit report to show that there is a {$0.00} balance owed and if you so wish ... send me a 1099 for the balance. I don't care. I, however, think that the right, and ethical choice would be for YOU to consider that I have made incredible efforts to resolve this debt, resulting in hours of my time and although reaching someone who claims that I owe them money should be an easy feat... I have been unable to do so and waiving this debt, and consider deleting this account from my credit reprot is a more than reasonable request considering the time and money that I have spent trying to verify something that clearly has not been able to have been done... or done through the " bureaus '' or " i should not have to resort to filing a complaint with the federal government to resolve such an issue for a trivial dollar amount... everything on our credit reprot should be accurate, verifiable and timely... including the contact information for who you claim we owe money to!!!
12/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23225	Web
Company : Regional Finance XXXX XXXX XXXX XXXX, VA XXXX Conversation happened XXXX XXXX 2021. This is the email I sent to the supervisor ( XXXX XXXX ) and XXXX manager XXXX XXXX XXXX ) I have an account with your company and had called in today ( XXXX time in less than XXXX weeks ) to follow up. I became unemployed and was In Contact with XXXX XXXX ( XXXX ) regarding my situation. I was asked to prove that I was receiving unemployment benefits so I know I couldn't file until XXXX XXXX. I was given a packet to be submitted with my claim. ( Please see attachment ). On XX/XX/XXXX I came into the office to get a new page form ( as a new date was required ), I emailed all forms to the email address requested. I then called on XX/XX/XXXX to follow up again with the XXXX XXXX and they advised that they have not received anything. I called back to the office and spoke to the same lady who advised me to email it to XXXX XXXX directly, which I did. I received an email on XX/XX/XXXX from XXXX XXXX that the file was then submitted to the XXXX XXXX. Today, I called the insurance company and they tell me they still have no records. Puzzled and confused I called back into the office and asked to talk to XXXX XXXX. I was told he wasn't available. The same woman who I '' ve spoken to the last 2 times, asked if she could assist me. At first she told me that they ( XXXX staff ) spoke about me yesterday and that she " thinks '' it was submitted. She then looked up the account and told me the account was paid yesterday thru XX/XX/XXXX. Of course I had questions as I'm still confused. As I ask why wasn't I contacted and started to ask when I need to send in more proof as I am still unemployed she started over talking me. When I advised that I have been in communication and very proactive about this bill and have followed all directions given, she started to say that they ( her company ) needed to submit the claim not me. I advised that I was given a paper ( see attachment ), with all instruction that I am to follow,, and as I became more confused,, the more questions I had. I did say at XXXX point " this doesn't XXXX make sense ''. She continued to not let me get my sentence out and still continued to over talk me and then called me a " XXXX '' which of course is not my name. Yes, I am XXXX by my skin XXXX and professionally is not acceptable or tolerable. It was not only demeaning but racially vindictive. I am not entitled and don't feel that I am. I called to speak with the XXXX because he had submitted my documents and I had dealt with him in getting the loan and spoke to him when my financial situation changed. I am just appalled that this woman spoke to me in the manner she did. I pay my bills and haven't been in this situation before. As I am ending this email, I just received a call from XXXX XXXX with an apology which I appreciate, however this has no reflection on the XXXX or the company as much as the individual I was speaking with. I appreciate the time you took to understand that I am only XXXX customer and my experience today, I wouldn't wish on anyone
05/19/2015	Yes	Credit card	Billing statement	TX 77545	Web
I actually have quite a few complaints about Regional Finance. The biggest being that I do not receive a statement. When I spoke with the company about this issue, multiple employees including the supervisor acted as if they had no idea what a " statement '' was. XXXX employee even went so far as to say that they did not send " reminders '' to pay my account, but that they could give me a receipt of my payment if I came in to their office. The same office that was not the original location that I was assigned to. After about a month after the account was opened, my account was transferred to a different office without my knowledge. It was not until after I was considered " late '' on my first payment that they called me and informed me that my account had been transferred to a different office. I say " late '' because I never received a statement stating when my payment was due. After this conversation, I went to this other location to pay my account in house. Upon arriving at the office, I was informed that they could not accept any credit or debit card payments. Evidently, they only accept cash, check, or money order payments which I was never informed about before my XXXX XXXX XXXX to their office. I then left their office to find an ATM machine so I could pull out cash in order to make a payment. This company has also harassed both my husband, myself, and many of my family members. They start calling my husband, myself, and these family members if we miss our payment by XXXX day. They have even gone so far as to call before the payment was even due. They have also sent employees to my home to deliver notices that I need to make a payment. These notices do not include how much I need to pay. On XXXX instances, I was even at home when they arrived to deliver a notice, and tried to give the employee my payment. The employee told me that they were not authorized to receive any type of payment, they could only deliver a notice. XX/XX/XXXX I was told that they would have online/credit card services available the XXXX of XXXX. Then, I was told late XXXX. Then, I was told early XX/XX/XXXX. About a week ago I was told that employees were told online services should " hopefully '' be available at the end of this quarter, so XXXX. Getting to this office that my account was transferred to without my knowledge or consent is extremely difficult especially given the hours their office is open and the distance from my work. I work over an XXXX away from this office. Because of this very large distance, I have asked numerous times if I could pay at a different location to which I have to get approval from the office that my account is located at beforehand and then again when I arrive at the other office. I have never had to work so hard to pay a bill that I do not receive. While I receive a receipt for my payment when I pay in house, I have no idea when this horrendous ordeal will be over because I have no idea how much I owe ( balance ) or even the number of remaining payments.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 777XX	Web
Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. This was done through a company called Regional Finance, and the amount was for {$2400.00}. I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. I reached out to Regional Finance via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. I called Regional Finance and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX XXXX and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. I obliged. No further action was taken by this collector. On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. I would simply like for this to be removed from my credit history. Thank you for your time, XXXX XXXX
03/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75052	Web
On XX/XX/XXXX, I deposited a {$1300.00} LOAN check received from XXXX XXXX XXXX XXXX TX location. I made inquiries about the possibility of paying the loan off early and whether there were penalties. The representative stated there were no early pay off penalties and if I decided to pay the loan off early, I would only be charged interest up to that date on the balance of the loan amount. This sounded legitimate and I proceeded to deposit the check. Each month I hand deliver a money order to the local office. On XX/XX/XXXX I was three payments in, and I called the company to get a payoff figure for my account. I was told if I paid the account off on that day, I would owe {$1300.00}. This amount was more than the amount I borrowed, and this triggered concern and prompted more investigation. I further asked her how my payments were being allocated. She stated that of my {$110.00} payment, {$57.00} was being paid toward interest, and {$56.00} was being made toward the principle. This indicated my payment was being split nearly in half. I never received an amortization schedule or payment allocation notice about how my payments will be allocated from XXXX XXXX. According to the promotional material/contract, all the terms were included in this one document. I initially understood that I was accepting a loan for {$1300.00} with a 63.78 % per annum interest rate. The Payment Schedule description defines 18 payments of {$110.00} each month beginning one month after the check is paid detailed in the Truth In Lending Disclosure Statement ( TILDS ) on the front of the promo contract. To date, I have made 5 payments as of XX/XX/XXXXtotaling {$560.00} where not even half has gone toward principal. I am being charged nearly 50 % with each payment, and still being charged on the TOTAL of payments outlined in the TILDS. The Total of Payments clearly states The amount I will have paid after I have made all scheduled payments. Which I interpreted to mean only if I stick to the payment schedule until the end of the loan period of 18 months. I would have NEVER agreed to accept a loan that would charge me 50 % of each payment on top of 63.78 % annually. I believe that XXXX XXXX intentionally neglected to explain clearly the terms in their promotional contract or further confirm the conditions by following up with a written document that provided an official amortized schedule. I believe this to be predatory lending practices. I believe they intentionally overcharging consumers and being deceptive and ambiguous with their language. I have attached a copy of the promotional document that was attached to the {$1300.00} check, the last/most recent payment receipt showing payment/balance, and the amortized schedule that my attorney friend provided during our consultation.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 359XX	Web
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. Thank you for your time. Sincerely, XXXX XXXX
08/26/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29673	Web
XXXX XXXX, 2016 I traded in my car at XXXX of XXXX. I had an auto loan with Regional Finance in XXXX, SC. XXXX of XXXX called Regional Finance to confirm the pay off amount which was {$13000.00} according to Regional Finance that day. XXXX of XXXX agreed to pay the car off for me and placed me in a new car that day. One month later, XXXX from Regional Finance called me stating I have not made my car payment for the month. I told them I traded in the car with XXXX of XXXX they were suppose to send you the check for the car, they said they did n't receive it. I called XXXX at XXXX of XXXX, He stated they were working on it and should be sending them their check that week. Regional Finance accepted the pay off check from XXXX of XXXX and gave them the title of the car. XXXX from Regional Finance calls me again a week later stating I still owed them {$2000.00} for the car because the pay off amount was not correctly given to XXXX of XXXX and someone needed to pay this amount. I went up to their office that same day told them I would not pay because that was a mistake on their end not mine. I had XXXX on the phone from XXXX of XXXX with me, who stated XXXX the salesman spoke with a guy named XXXX that morning of the sale. XXXX stated it was not him. Also, XXXX stated well since no one recorded the conversation to see who it was from the office who told the incorrect pay off amount. I would still be responsible for the remaining balance. During this conversation XXXX was working on the computer when I pointed out to him and shouted to XXXX on the phone that on XXXX of the screens he was on the exact same pay off amount that was quoted to XXXX of XXXX. It stated pay off amount {$13000.00}. So I told them it was definitely Regional Finance mistake for giving XXXX of XXXX the incorrect information. XXXX of XXXX confirmed with Regional Finance TWICE on XXXX XXXX if that was the correct pay off amount and Regional Finance stated it was the correct amount. Of course, Regional Finance reported it on my credit report that I missed 5 car payments from a {$7700.00} remaining balance. {$7700.00} balance is what the full term of the car balance would be if I went to 72 months to pay it off. Regional Finance did report they received the {$13000.00} from XXXX of XXXX, however I still owed them what now what reports as {$850.00} ( where this new price came from could not even tell you ). So now the account is currently charged off, due to non payment, on my credit report because I did not give more money for a car already paid off and no longer in my possession.
02/26/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NC 28056	Web
My wife took out a loan from Regional finance, she had a past due balance of {$840.00}, she was still making her regular payment of {$200.00}, she made payments in XXXX, XXXX and XXXX, today XXXX from regional finance called my wifes cell phone, he did not properly identify himself nor did he read the mini miranda to my wife, the first words out of his mouth " where is my money '' My wife responded " I already sent the payment for {$200.00} '' he replied " that is not our agreement, I am sending your payment back '' my wife was very upset and brought me up to speed on this loan, i then called back and spoke to XXXX, asked him for his full name he refused to give me his last name or employee id gave me the number to their corporate office, i called and left a message for someone to call me back, I received a call from XXXX XXXX who claims he is the direct boss for XXXX, i began to try and explain my concerns over this collector managers actions, telling him his collector is calling my wife every day dates of calls XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and XXXX he left messages both times on the same day " this is XXXX regional finance need you to call me now '', XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and today XXXX/XXXX/16, that he is threatening legal action on XXXX/XXXX/16, they never filled legal actions after saying they will, then i tried to explain to the regional manger his collector told my wife because she did not send in the entire past due bal he was going to send her payment back, he would not allow me a chance to fully express my concerns he kept telling me to get off his phone he is to busy to talk to me, that his collector did nothing wrong, for me to get an attorney, called me buddy told him do not call me a buddy, im not your buddy do not disrespect me like that told me to shut up, then attempted to put me on a speaker phone so the entire office could hear the phone call told him he does not have permission to put me on speaker phone we argued and then he hung up on me, i called back and recorded the call he continued to argue with me telling me i had 5 minuets to talk to him, would not allow me a chance to express my concerns we continued to argue and he hung up on me again, prior to hanging up he used a XXXX slur against me, he also told me to shut up and that i only had 5 minuets to talk to him, all this and more is on a recorded line
11/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 79107	Web
On XX/XX/2022 my payment was due for Regional Finance located at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. So i called to see if i could pay it on the XXXX they said yes. So i stated that if could pay earlier i would call them to give them my debit information. So effectively i called them on the XXXX and gave them the debit information and the payment was made that day. than on the XXXX my payment was withdrawn again. I called to see what happened, they apologized, i called on a Saturday and XXXX answered me i asked her what happen why the withdraw my payment again if i had made it on the XXXX. She said she didn't do the transaction and she blamed the people that do the transactions and dont write notes stating that payments are given that this always happens. so on the following Monday i called them and asked to talk to XXXX the person that did my loan. I told her what happened she started talking to me really mad she wouldnt let me talk, she even told me that my payment was on auto pay thats why it was debited. until i told her real serious, wait XXXX can you listen to me? thats when she let me talk. i told her my payment was not on auto pay if it was on the XXXX it would of been debited from my account and she said well yes youre right its our mistake i can refund that money in 15 day to your account i told her that XXXX told me in 10 days who do i believe? she said im saying XXXX for if theres any problems, and i told her ok another problem because of that transaction my account went to negative - {$230.00}. She answered me all mad again and was yelling at me the whole time that she could not do nothing about that but she could refund my money that was debited from my acount only. I told her really mad : stay with my stupid money for the month of XXXX. I told her XXXX said that its yalls fault that you dont put notes that she is tired of telling you guys and you guys dont listen. so she said, so XXXX said that? and i told her yes, and she said i will fix that with her. So i was worried about her retaliating against XXXX for that, i dont know if she got suspended or not or even worst fired because of this horrible person XXXX XXXX who is the XXXX. I called corporate like 3 times or more i dont recall and they never answered me back.
12/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 377XX	Web
In XX/XX/XXXX, we got into a position where we were unable pay for our check by mail loans and were getting behind. As a result, we contacted each company and did a debt consolidation loan through XXXX federal credit union. The only way XXXX was willing to complete the loan was by having me talk to each creditor and having them personally fax the payoff amount from each creditor. The payoff of each creditor was sent directly to the creditor from the bank ... not us receiving the money. Beginning about a month later, we started getting the check by mail loans through the same creditors because of our credit worthiness. Does not being able to make payments qualify someone as credit worthy? We ran into a situation where we needed the money. Again, we ended up not being able to make the payments and got way behind. We attempted very small payments but lenders were not satisfied with that. The majority of our lenders were willing to arrange for half payments on our accounts. There have been XXXX companies that have continued to harass us, even with making 50 % of original payments. XXXX company is Regional Finance of XXXX, TN. In XX/XX/XXXX, XXXX XXXX XXXX said that we needed to each make XXXX full payment on account and then would be able to work out a reduced payment. We sold off our belongings to get the money. After claiming that he tried to reduce payments for us he stated that he would not be able to because they are a publicly traded company and that accepting partial payments would be breaking contract. I went ahead and sent partial payments for the both of us. We got a phone call from them complaining and I frankly told them that other creditors have worked with us on partial payments. They ended up taking those partial payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Now they are saying that we either have to form XXXX loan and have them add all of the document fees back in and increasing payment or they are going to send to collection and pursue sueing us, even with making partial payments. That would be forcing us to file bankruptcy, which does n't help this situation-for the company or us and we have been making partial payments. The other company is XXXX XXXX XXXX XXXX XXXX, TN and is nearly the exact same situation.
06/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75287	Web
I made a HORRIBLE mistake and decided take out a loan for {$1500.00} in XX/XX/XXXX. Every month, I 'd make the payments on time, paying {$110.00} every month. My 2nd to last payment with Regional Finance - ( XXXX, Texas location ), I purchased and sent in a money order for {$110.00}, as I ran out of personal checks. On XX/XX/XXXX, I received countless collection calls, even though I told them I had mailed the money order on XX/XX/XXXX. Every day until today ( XX/XX/XXXX ) I received about 5 phone calls a day regarding this payment. I had provided them with the receipt number of the money order, proving I had purchased a money order. I was told that if they had n't received a payment by that Friday, I would be charged a {$10.00} late fee. I have NEVER made a late payment. I had been paying the {$110.00} religiously since XX/XX/XXXX. I asked if this fee could be waived, as the money order was lost in the mail or was just sitting on someone 's desk, never being processed. So, on XX/XX/XXXX, I ended up driving about 25 miles to make another payment, this time by check. I presumed they received my check, as I physically dropped in off at their office, which was closed that day. Today, XX/XX/XXXX, I called to see if they had received my check and posted it to my account. One of the employees, XXXX confirmed that not only did they receive my check, they also received the money order I sent in on the XX/XX/XXXX. I asked if the late payment fee could be refunded, and XXXX advised his manager, XXXX said they would not be able to waive the late payment fee. I tried explaining that since the money order had a date of XX/XX/XXXX, that this fee should be waived. XXXX hung up on me, which made me FURIOUS!!!!! I 've been waiting to hear back from XXXX, but she has n't called me back, as she said she would. I will NEVER, EVER in life borrow money from such a greedy loan company like them EVER AGAIN!!!! It 's a real shame that companies like this treat their good paying clients in such manner, and I am APPALLED! {$10.00} just caused them to lose a good customer for good, and I will NEVER, EVER refer them to anyone I know, not even to a person I dislike. This company flat-out XXXX! Sincerely, ANNOYED!!!!!!!!!!!!!!!!!!!!!!
05/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76002	Web
I received a letter on XX/XX/2021 about an account that was past due that I never opened. The letter was from Regional Finance in XXXX TX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened an account with them so I called and spoke to the manager XXXX XXXX Apparently this company sends out LIVE checks to people and all they have to do is sign the check and deposit it and once cashed the account is open. I have not heard of this since the 80 's. The manager said that the person who did this did not have to present themselves, they required no ID, or other identifying information. She had a phone number that was not mine. I have had the same bank account since before this happened and I can prove that I did not cash this check and was not living at the address they mailed it to at the time, I have moved to another city before this. They claim to have validated a debt for a check that I never signed, nor deposited. This is a disgrace. With all of the laws in the US requiring banks to identity those seeking loans and with the requirements in place to prevent fraud, money laundering, and other illegal activities how does Regional Finance get away with this? Aren't these lenders subject to the Bank Secrecy Act ( BSA ) and related regulations, which require them to establish Customer Identification Programs ( CIPs )? These programs require lenders to verify the identity of customers and maintain records of the identification information obtained. Is this company in violation of that? I have reached out to a consumer protection attorney as they are saying that they validated a fraudulent loan, which is not accurate as they did not have any of my personal information for this other than my old address which I was not living at at the time. The phone number they were calling was not mine, I have no idea how this can happen. This is ridiculous and they need to be stopped from doing this making easy victims out of unsuspecting consumers. At the very least they could have gotten information on the bank where the check was deposited. It was never deposited in my account that is for sure. I have never been able to take out a loan without various forms of ID, Proof of income etc.
07/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 296XX	Web
I received a demand letter from XXXX XXXX on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. It appears that XXXX XXXX and XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Regional Finance SC. I have not received any goods or services from XXXX XXXX, XXXX XXXX XXXX, nor Regional Finance SC and I do not know how XXXX XXXX, XXXX XXXX XXXX, or Regional Finance SC received my private information. XXXX XXXX and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not a party to any agreements that XXXX XXXX and XXXX XXXX XXXX may or may not have with Regional Finance SC. I am not responsible for XXXX XXXX and XXXX XXXX XXXX purchase / transfer from Regional Finance SC. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance SC. Please be advised that XXXX XXXX, XXXX XXXX XXXX, and Regional Finance SC will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. With proof attached; please be advised that neither : XXXX XXXX, XXXX XXXX XXXX or Regional Finance SC are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TX 77505	Web	Older American, Servicemember
My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX
03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28027	Web
I received a call from a man from a South Carolina phone number claiming to be from Regional Finance who said he could help me with my Debt. I told him I know nothing about any company called Regional Finance and my credit is excellent. He asked to confirm my identity and I asked him to confirm his as he is the one who called me. He got upset claiming I was behind in payments and he wanted to help get my account up to date. I said I am not paying any phantom debt and he could XXXX off or I'd come to his house and make him pay the debt. He wanted to confirm my address. I said that you called me so you should have my address if I truly owe a debt, so I am not providing that for you. He mentioned my name again but this time with a different last name. I told him it wasn't me and he proceeded to tell me that my identity may have been stolen or someone used my phone number for a loan. I hung up and then searched for the Regional Finance bank office in XXXX, NC and called the office I found. I spoke with a lady who looked me up in their system by my phone number. She said that I was on a loan call list and have been marked to not call in their system. I asked to speak with someone to confirm why they were calling me about a loan I did not owe. She then transferred me to a man, whose voice I recognized as the one who called me earlier. He told me that my phone number has been marked as do not call from the loan and that he didn't wake up today and say he was going to harass people for money. I find this hard to believe as I received a piece of mail from them two days later for a different person at my home address who you can clearly see in the attached document is NOT my address and NOT my last name! It is obvious to me that the person they are after is not me and the address is different. Why then did they go find a person with the same name and call them to collect a debt - that is a poor tactic to collect money for a debt from the wrong person. It is obvious that that person is not me, so they should have never called me to pay any money I did not owe.
06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
Regional Finance s ent a live check to my address in XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in XX/XX/XXXX and the account was reported on my credit report. I spoke with XXXX XXXX on the phone as well as in person in XX/XX/XXXX and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on XX/XX/XXXX stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on XX/XX/XXXX to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on XX/XX/XXXX and I denied the claim. They had to set another court date for XX/XX/XXXX . This situation has cost me time away from work, has negatively affected my credit score I worked years to increase and caused me undue XXXX that is effecting my health. I see today they have run a hard inquiry on my credit on XX/XX/XXXX that was not authorized as well. I am contacting an attorney today.
12/01/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75042	Web
Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?
01/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WV 254XX	Web
I obtained a personal loan in XX/XX/XXXX. The original loan amount was suppose to be {$1000.00}. Yet when I went in the lady told me I was approved for {$5000.00} and that she could n't change it to the amount I requested. She used items that I did n't own in order to show lots of collateral. The loan became past due in XX/XX/XXXX. Since then I have received calls from multiple XXXX XXXX locations and representatives. When they began calling I told them that I could n't receive calls during my work hours, M-F XXXX. They consistently called during those hours. Not once mentioning that this was an attempt to collect a debt when I answered. Then they began calling from multiple local numbers all day. I couldnt distinguish their calls from business calls, interrupting my work day and placing me at a huge risk of losing my job. One representative named XXXX called I stated to her I was at work. I had a call coming in from my landlord and I had to go back to work. She stated what you owe them money too. I told her that she had no reason to make assumptions. When I asked for her name she would n't provide it. I had to call all the numbers they called from until I reached one who told me her name. Although the name provided is a nickname. I 've told them multiple times to not call during business hours. Once I threatened to sue they called before XXXX XXXX on occasions which is also illegal. They also called after XXXX, three times in one hour and still continue to do so. They even called my mother whom they were not given permission to call disclosing my personal information and my debt that I owed them. I 've asked repeatedly for them to not call yet they continue. I 've asked for them to identify themselves and they do n't. Then they jump right in to you owe thousands of dollars and to pay it now. I tell them I dont have it they state well we will keep calling for collection efforts. All in the meanwhile never once saying that this a debt collection effort.
01/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 73505	Web
I have a loan with XXXX XXXX in XXXX OK. I have fallen behind because I got hurt at work and wasnt getting paid like Im supposed to. I called and told them my situation and asked what I can do about my late payment. She said theres nothing she can do. Whoever I spoke with at the time told me I have to give her a credit card number and exact date when they can charge it. I told her I couldnt do that because I really wasnt sure when I can make the payment. So she told me that she will have to call me everyday until I can pay or set up a payment. I told her I will just call the following friday because I will be working XXXX the next 4 days, but she kept on calling me everyday anyways. So friday came and I called them to let them know I still cant come up with the payment. Then another lady answered my call and told me that I can renew my loan and actually have a debt protection insurance Im paying for. So I went to their office the next day but when I got their they told me they actually cant renew my loan But instead they would do an extension but I have to pay {$3.00} in cash but all I had was {$4.00} in bank card. So I told her I will be back. I never got to go back coz when I went to the bank I actually just have {$2.00}. Well then I didnt know what to tell them so I just didnt call them. The next day I was at work they were trying to call again. This time since I didnt answer they started calling my references, which is fine with me but then they started calling people that are not even on my reference. One was my sister in law, she said that when she called them and asked a lady name XXXX how she got her number, she told her she got it from a data base, it shows related people or something, then she also called an aunt from north carolina. But what I couldnt understand is how they called 2 people in california that dont have the same last name though they are my sister in laws sister and mother. They are people that I dont talk to.
10/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77065	Web
XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. I believe this is a bad and unfair business practice financially effecting millions of Americans.
06/13/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 77056	Web
On XX/XX/2020 I received a call from a woman who identified herself as an employee of Regional Finance and inquired when I will be paying the loan they have in my name. I never took a personal loan from Regional Finance and had never heard of the company so I told the woman exactly that. She nonchalantly told me " ok I'll transfer you to fraud '' as if this happens every day! XXXX XXXX answered the phone for the fraud department. She informed me I need to fill out & get notorized an affidavit stating I had no involvement with the loan and give her a copy of my license and a police report. So I did all of that the same day ( XX/XX/20 ). I also filed a dispute with XXXX. About 2 weeks later I received something in the mail from Regional Finance. When I opened it I discovered it was a packet asking me to get an affidavit signed and notorized stating I had nothing to do with the loan. At this point I can only assume XXXX did nothing with the information I gave her. I called Regional Finance to ask them if they had any information or status on the dispute I already filed -- there was no one there because of COVID-19. So I filled all the paperwork out once more and mailed it to Regional 's HQ in XXXX, SC. On XX/XX/XXXX I was informed that XXXX deemed my loan as " accurate ''. There is no information as to how or why that happened. There is no one available for a phone call. Their " help bot '' only directs me to the dispute center when I try to receive more information. So I filed another dispute. On XX/XX/XXXX, I also lost that dispute. At this point I filed a complaint with the Texas Attorney General and waited to hear back. It is now XX/XX/XXXX and I have heard nothing ; but I received a notice that " my '' Regional Finance account has been updated to delinquent status. I did not take out this loan so I will not pay for this loan. I need this removed from my credit report and rectified immediately.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT XXXXnder the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
07/24/2018	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	OK 73012	Web
On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.
01/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29223	Web
Someone opened a fraudulent account using my social security number..I did not give anybody permission to use my social ... I have provided the requested documents to XXXX as requested and the investigation has been ongoing since XX/XX/XXXX in which is the date the loan was open..XXXX XXXX is the name of the loan company..There is a balance of {$9600.00} with a high balance of {$16000.00} ... I dont need a loan of no type if you check my credit you will see all my credit accounts is in perfect standing ... this is causing emotional distress on me and my family ... Ive even reached out to the RMC Loan place and asked that they run there security cameras so that we could see who done this such awful thing and they told me they dont have cameras ... I have provided to XXXX several police reports that state this account is fraudulent and they still say the process hasnt been completed and that RMC has verified that the account belongs to me..I told them to provide proof that the account belongs to me bc unless I have a cloan then they need to remove this account immediately..Im trying to be patient and take the proper steps into going about this situation before I proceed with my attorney..please take into consideration that I will prosecute whomever we find out who did this ... Im convinced that the bureaus has something to do with this because they removed the inquiry but not the account ... my credit was ran 27 times in one month and they removed all of them because fraud was obvious..I have police reports all the way from XX/XX/XXXX where my entire vehicle was stolen and my wallet ... Ive been a victim of identity theft for 6 plus years now and the bureaus been aware of that.It also states that Ive paid off 41 % of the loan and Ive never made a payment on it because I didnt open a loan up .Thanks and please contact me back about this matter..XXXX or XXXX XXXX
11/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NC 28590	Web
On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.
08/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75154	Web
I received a check in the mail for {$2500.00}. The letter attached to it said I qualified for a personal loan, all I had to do was deposit the check. I needed to pay the taxes on my grandmothers land so I decided to accept the loan. I was behind on payments and they threatened me with jail, law suit, and said they would come to my place of employment. They served me with court papers at my home to sue for the entire amount of the loan plus interest and the total amount they sued for was over {$3500.00} after I had already paid off {$1000.00} of the loan. I sent in a lump sum of {$800.00} and they dropped the complaint. Then, I was XXXX from work due to my son getting XXXX and I called to talk to them about my payments being placed on hold, they refused to do so but then offered me another loan of {$1500.00}. I declined the offer but after two months of not being able to go back to work because I started showing XXXX XXXX, I called them to accept the loan because I needed to pay my mortgage. They offered me {$6000.00}, I told them I only needed {$1500.00}. I sent them proof of income, insurance, residence, and identification. They asked for 6 references which I gave them and then wrote in at the bottom of the reference page that I needed to write down five items for collateral, naming specific items : TVs cars rings, things like that. I told them no I didnt have to do any of this to get the original loan which is impossible to pay off because of a 35 % interest rate so why do I have to list my property? I declined the loan and told them to stop harassing me because they call me at least 4 times an hour and send mail everyday offering me more money. They continue to harass me everyday, I have proof of their calls, and Im not even behind on my payments.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Regional Finance Subject : Request for Account Deletion as per Metro 2 Five Points of Compliance I am writing to request the deletion of my account from your records in accordance with the Metro 2 Five Points of Compliance. As a consumer, I understand that the Metro 2 format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting. I kindly ask that you consider the following five points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness. 2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access. 3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the Metro 2 guidelines. 4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account. 5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines. Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the Metro 2 guidelines. Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information. Sincerely,
03/21/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	SC 29720	Web	Servicemember
I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.
04/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WI 530XX	Web
I originally took out a loan with Regional finance located in XXXX, Wisconsin because I was feeling the effects of the corona virus and had a loss of income. This was from a check that was sent to me in the mail without applying. When I was having issues repaying the loan back their only option to assist was for me to take out an additional loan. I spoke with XXXX the manager at that location. I ended up getting a larger loan, which was not in my best interest, but I didnt have any other options. This also allowed me to defer my payment for a couple months. When it came time to make my first payment I did not have enough money because all my other credit cards were also neglected, along with my rent, my car payment, and utilities. I was in constant contact with them regarding them ; I reached out weekly. The loan is at a 50 % + interest rate and the apr is also 50 % + rate. I told them what I could afford and they were not willing to work with me. I eventually spoke to XXXX again and asked if the work with XXXX programs and she said yes. This is a non for profit company ( XXXX XXXX ) approved by the government to assist with lowering the interest rate with lenders. They refused the proposal send from this program and told me they would like to rerun my credit again and approved me for a new loan. They are not willing to assist when the goal for the past 5 months has been to make affordable payments with a reasonable interest rate due to the effects Ive felt with the corona virus. They will also have told me they will no longer contact me because I reached out to a non for profit program ( a 3rd party ) to assist. I feel I am being taken advantage of and my hardship is being used against me for their own profit.
11/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TN 373XX	Web
Company gave original loan papers! Not what was told at time of pay off and they took my cashier 's check and paid off loan!!! I didn't have this 3-10 days if that!!! It was paid in full before the 30 days maturity date... on the cashier 's check it stated " LOAN PAID IN FULL '' With account number and all ... AND NOT 1 single other payment has EVER been made in over a year, but they keep me in great standings with my loan! Ironic! What even more ironic to me is its been a year!!! AND When I paid this loan in full with the {$1800.00} check I took up there to the branch office I have NOT made any other payment what so ever on that account at all, and they have never called me nor reported me for a late payment!!! Ironically on the cashier 's check from my bank paying this loan IN FULL it stated THIS ACCOUNT IS " PAID IN FULL '' with the account/loan number on it! Now, if I owed a balance on this loan and it wasn't paid in full like I was told at that branch, ( it's been over a year ) I think I would be called non stop, it would be reported to my credit as being late ( not in good standing ), and all ... the loan was paid in full like I was told, PERIOD! I just want it reported on my credit as being PAID IN FULL, as it is! It's been over a year, and I haven't paid not a single cent since I paid the {$1800.00}, paying it in full... so I don't know if they had a worker in the office that apparently didn't know their job and told me wrong, but I done what was told me and I PAID my loan in full not even 7 days of getting it ... the branch deposited and cashed the cashier 's check that stated " Paid In Full '' w/my Account/loan number on it so they was very clear on the fact I was paying off my loan!!! PERIOD!
02/23/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	AL 368XX	Web
I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks
03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 77057	Web
This company mailed what they called a " live check '', made payable to me, to my address without my request but as a loan offer. Someone else received the check, cashed it ( without my identification ) and received the proceeds. I have never heard of this company or utilized their services, however, they sent a " live check '' to my home and have placed this account on my credit report without any proof that I am the borrower. They did not verify my identity nor did I sign loan documents. When I reached out to the company to understand how they are able to report a delinquent account on my credit report, without having verified that I borrowed the money, I was told that this is how they do business and that the only way to have the matter resolved, was to file a fraud dispute, directly with their company. I went directly to their XXXX office and after the made a copy of my drivers ' license, they gave me a copy of the check and wanted me to complete the " fraud '' paperwork, onsite. I am not comfortable sharing ANY of my personal information with this company. There are Customer Identification Program laws and FCRA credit reporting laws that have been clearly violated by not verifying that I am the borrower, prior to extending a loan and publishing a delinquent account on my credit report. Additionally, this has negatively impacted my credit and the lender refuses to remove it without me giving them additional information including my repeated signature, checking account information and additional identity information. I don't trust this company with additional information about me, it's dangerous what they've already done with just my address. This is a violation of my rights.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 294XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
04/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 770XX	Web
On XX/XX/XXXX I had emergency XXXX and was not able to work. I was released from the hospital on XX/XX/XXXX and started receiving long-term XXXX payments. I informed Regional Finance located on XXXX XXXX XXXX. XXXX, Texas XXXX of this situation and provided them with XXXX paper work to verify my condition. I had XXXX coverage on my loan and they refused to use that coverage to make my monthly payments. Instead the supervisor XXXX XXXX forced me to refinance the loan on XX/XX/XXXX so any missed payments would be put on the back end of the loan. I was a told the XXXX payments would take affect with the new loan. Since the new loan has been in affect Regional Finance has been calling me inquiring about my payment of {$140.00}. I asked about the XXXX coverage and I was told that it was not on the new loan. XXXX XXXX the supervisor forced me to refinance the loan to cover the payments during my illness purposefully omitted the XXXX coverage so my payments would go unpaid. This has caused me a tremendous amount of stress by them violating my consumer rights and I want resolution and consideration in this matter. I do not want my credit file impacted by them reporting negatively without my permission and if any negative information has been reported I want that information removed from all three credit bureaus and secondary bureaus as well. I asked Regional Fiance to give me time as I recovered from XXXX and they only caused me more stress and anguish by using switch and bait tactics on me to sign a document that should not have been drafted. Attached is a copy of the loan document that was signed eletroncially while I was under doctors care during my XXXX.
03/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30067	Web	Servicemember
I called and spoke with Regional Finance on XX/XX/2023. I asked the young lady the requirements and she stated you need to be employed and have at least a XXXX credit score. She never mentioned that I could not be receiving employment pay under a staffing company. She simply stated you have to be employed and have at least a XXXX credit score ( again I repeated back to her and she say yes thats all you need ) I am currently working for XXXX XXXX XXXX and currently XXXX is using this staffing company to assist with payroll and Human Resource concern. I even mentioned I can have my operational manager send over a letter or my original offer letter showing I work for XXXX. Regional Finance located in XXXX, GA refused to accept my pay documents from XXXX XXXX. All of my documents are legit and verifiable and they still refused to accept documents after my credit was pulled. Regional Finance was not transparent and upfront about not accepting pay documents from a staffing company. I checked Regional Finance website and requirements and it does not state any where in the website they dont accept staffing payroll documentation. This is a violation, and very much so discriminatory and unethical. I provided the documents required to Regional Finance. The even pulled my credit report and now I have an inquiry that shouldnt be there. The branch manager suggested that I dispute it and she would have it removed. Clear requirements need to be listed on their website and provided when calling. I am very disappointed it was a slap in my face when I clearly asked upfront before providing my information to the young lady.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75212	Web	Servicemember
During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. I began receiving late notices from Regional Finance in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking Regional Finance and XXXX to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to XXXX, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written Regional Finance and XXXX stating that this was not my account, please verify. In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to Regional Finance and XXXX in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. Regional Finance has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is Regional Finance reporting negatively on my credit report, but now this Charge Off is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.
05/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28806	Web
I applied for a loan through regional finance the beginning of last month. Upon arriving to sign my loan I witnessed employees cursing, singing, horse playing, verbally communicating other clients private information such as their social security numbers and credit scores aloud in the office while I was sitting there. I also witnessed several other client applications with personal information unsecured all throughout the office, social security numbers were exposed along with all other personal information. After leaving I was told that the employees were badmouthing me, stalking me on social media, and looking up my home address on XXXX They also made XXXX comments about me. I was also told the same things happened to a lot of other customers and they expose their private information regularly. I was lied to about the process and the amount I was financing. I was also told additional insurance was not optional and I was forced to purchase it. I was told auto pay was set up and the manager said I dont care, not my problem. I was lied to about that. I called to escalate the concern and was treated with extreme disrespect. My concerns were deflected and not addressed, the lady I spoke to tried to invalidate my concerns, she wouldnt listen to me then got combative. She spoke over me the whole time in a very hostile manner, she did not offer me a resolution and told me my complaint was just hearsay and she refused to address it. She disrespected me and my position. Then at the end of the call she yelled the whole time, refusing to let me speak, then hung up on me.
02/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 87120	Web
On XX/XX/21 at Regional Finance I was approved for a loan even though I never filled out a application. The service was curbside and she brought the paperwork out to me. I asked about the amount, payments and was given vague answers. She not once explained the terms to me. She just continued to have me sign. I asked if she wanted to sit in my car so she could explain the terms to me. She said I cant do that. I know I should have insisted on a explanation of the terms. I trusted she would give me terms and payments I could afford. This was so rushed. She sent me home with the check no paperwork for me to look over. Then I get the payments in the mail XXXX monthly and this is for 3 years at 80.811 %. I can not afford these payments for 3 years. How she qualified me not sure. I do know that on the property she stated items that I do not own. I got this from the branch manager and I did tell her I do not have these items. Life insurance was added in which I did not want. I feel this representative did wrong by lying. Curbside for a loan. I have gone by and others are allowed to go in and sit down to have the terms explained. I also feel I was targeted. The branch manager said I have good credit. Then why was I given this interest rate and 3 years in payments. Something is not right in the way this representative gave me this loan. I was not given any paperwork to take home with me so I could review. I believe this was done intentionally. I should have insisted on having the loan explained to me in detail. I trusted she would do right by me. I was wrong.
01/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77840	Web
I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.
02/10/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	GA 30062	Web
I received, via mail, promotional offer get {$400.00} for opening checking account. My English is second language and I easy can misunderstand the legal English, so I decided I would ask for help from professional banker who works at the bank. I went to the bank, met with branch banker. I provided promotional documents to the branch banker, issued by bank, how to get {$400.00}. Banker took that material and insure me that she will complete online banking to meet all terms. Banker enrolled me in online banking. Banker created my login. Banker have must have followed all terms that must be met to get {$400.00}. Banker advice, that I must complete 10 transaction within one month. I have completed 10 transactions within one month. I have done all I was able to do. Everything else was banker responsibility. Now Bank refused to honor {$400.00} arguing that I did not enroll online statements. I argued that banker who enrolled my online account and followed all terms shall have enroll in online statements as she was asked to do and that was her diligent and responsibility. Not me. ( If I could understand all terms written on promotional materials, than I would never ask for help to someone else, right? ) I trusted banker at the time to open account for me and I gave a promotional material to the banker to make sure banker meet all terms. therefore, I compliant on bank for intentionally fall to enroll online statements on my behalf, so Bank will not issue {$400.00} promotion to the customer.
11/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 650XX	Web	Older American
Sometime inf XXXX XXXX Regional Finance APPARENTLY sent me a check for {$3000.00} via mail. In XXXX, they started calling me asking about my payment on the account. I said " what account?, I don't have an account with you '' She said, well, we sent you a check in XXXX, I told her right then, If I had received a check, I would not have cashed it, as we were doing fine, financially at the time..I would have torn it up. She said, this must be fraud and she would send me form to fill out to claim the fraud. They did send the form requesting all of my personal information, social security number, Dr. license, etc. I took the form to police department to get a police report and they looked on their computer and said this was a scam and they were trying to get information from me. They thought they might be preying on the XXXX Regional Finance has been calling me 4-5 time a day on my cell phone and have harrassed me at work. It has been extremely upsetting. A lawyer sent them a cease and desist letter, but they keep calling and have reported to my credit report. I'm not sure how they got my social security number. XXXX at Regional Finance is saying I need to come to XXXXXXXX XXXX ( 90 miles from here ) to sign a fraud form, but I don't feel like it is my fault they decided to send a random check ( written to XXXX XXXX ) whoever that is. They have screwed up my credit now and I'm hoping to get help getting them to stop! I would like to keep other people informed about this company, as well.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 773XX	Web
Date- XXXX-2021 To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. Sincerely, XXXX
12/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	MO 63366	Web
On XX/XX/XXXX I filled out an application for a personal loan on credit karma website for XXXX with Regional finance for a interest rate of 35.99 %, after being approved I was asked to stop by their office to sign some papers which I did. Then they told I filled out a application for {$2500.00} my response was no I filled out a application for {$3500.00} this person showed me the contract amount it said {$2500.00} after seeing the amount on the application I did not question it no more and since I really needed the money I settled for the {$2500.00} loan. Then about a month later I was trying to refinance my home and the credit union said I had a loan from Regional finance that had collateral attached to it I told I did not have no such loan that persons response was you have a tv attached as collateral I told that person that I gave regional finance no model number or a serial number for anything, then I was instructed to call regional finance and ask about that and I did just that I was told not to worry about it there was no property attached to the loan .After that I went back to my e-mail and looked up the contract there was nothing said about any tv then I looked a little bit closer and they changed my interest rate to 79.99 % after they convinced me that my application was for {$2500.00} instead of {$3500.00} they switched my application a to higher interest rate that I did not see upon signing. I believe this was done intentionally. Isn't this against the law???
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/2023 Request for Deletion of Charge-off with XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between Regional Finance and XXXX XXXX XXXX XXXX XXXX in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within XXXX business XXXX to comply with the terms of the agreement. Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
07/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NM 877XX	Web
On XX/XX/2019 i paid XXXX XXXX nm branch of regional finance amount of XXXX dollars to pay off my loan they gave me a receipt that was for my final payment supposedly the person on the receipt that took my payment was a person by the name of XXXX XXXX. I didn't think of it at the time i was happy to pay off my account. As i have with several other loan company 's that i work with. And several months later i start getting collection Calles and notices that i have an unpaid amount of $ $ $?? So i contact the company regional finance no longer located in XXXX XXXX nm XXXX that is now in XXXX XXXX nm. I questioned them asked why they say i still owe. They stat I didnt pay. I say i did and my receipt says the person who took my payment was some XXXX XXXX and the person on the phone says oh that's me but my name is XXXX. So i said ok well i paid you on the date stated above. Long story short said i didnt pay and that someone gave me a fake receipt. I still have a copy of my receipt that i submitted to regional finance and they still rebuttaled i didnt pay. With different stories that started confusing me this company needs to be shut down for destroying my credit and my self worth of always paying my debts. I will not pay another penny over the amount ive already paid. Need this fixed it was given to a debt collection agency and i have shown them my receipt also by email and they are still after me for wrong doing of regional finance.
02/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29072	Web
I went into the store on XX/XX/XXXX to sign the papers to obtain a personal loan. I was told by the rep that they include certain products with every loan and was not told it was an additional cost but rather included with the loan. Upon reviewing my paperwork later, I determined this was false and a blatant violation of the XXXX. I contacted the store immediately and asked to cancel all products associated with the loan. I was told I was unable to cancel the personal property insurance despite the contract stating otherwise and despite the fact that my renters insurance covers my personal property. The next day ( today, XX/XX/XXXX ) I received a survey in my email from their corporate office. The very last question was in regards to their personal property insurance and asked if Id been informed that my homeowners insurance or renters insurance was sufficient. Not only had I not been informed it was, I was again blatantly lied to and told that it was not sufficient without the branch even reviewing my renters insurance policy. This store misled myself and likely countless others multiple times to pad their own pockets- as I understand it, the employees at the branch receive a commission for the products that they sell. If they are doing this by telling customers its included and not explaining that its optional, they are violating the law, causing financial hardship for many, and dont seem to mind continuously lying.
10/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 78418	Web
Regional Finance Company, which does have a local branch but is a " nation-wide '' company, sent a check to a property that is owned by my family with my name on it - I did not request the loan, or a check to be mailed to me, and did not authorize any type of credit pull, or new loan account to be opened or initiated. I received a notification on my Credit Report that a NEW account had been opened on XX/XX/XXXX with RFC - Regional Finance. I tried to call on FRIDAY XX/XX/XXXX but reached them after hours, so I called them today. After I inquired about the loan and the credit report inquiry, they informed me that someone had cashed a check with my name on it on XX/XX/XXXX. I advised them that NOBODY in my family or that lives at the house cashed the check, and I did NOT cash the check myself, and they acted dumb with me... I have a strong feeling that someone came by house and went thru my mail and fraudulently cashed the check, as my Texas State Drivers License was " lost in the mail '' in XXXX, and now I am having fraud... I have been working on my Credit Score for the last 18 months, paying down debts and keeping my credit utilization rate as low as possible, while making 100 % on-time payments. I have worked really hard to increase my credit, and now I am hoping this does NOT ruin my credit... I was told by my father to report this, if you have any questions, my cell # is XXXX. Thank You, XXXX XXXX
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.
09/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 77449	Web	Servicemember
Hi My Name is XXXX I have dealt with Regional Finance ( XXXX, Texas ) branch XXXX XXXX XXXX, for 4 yrs at this point and they have service 3-4 prior loans for which i was never late with a payment and paid all of them off early. I was adversly effected by covid and lost my form of income. I notified them of this and attempted to make arrangemnets. I have submitted bank statements and proof of a drastically reduced income. On one attempt after months of recieving calls they denied a reduction in payments. What makes this worse is that My wife is an XXXX of XXXX XXXX and has been harrasssed for being married to me. My wife knew nothing of this loan was not included in references at all. I had be dealing with Regional Finance 3 yrs prior to her being XXXX by them. I have requested them to leave her out of my personal loan yet they have repeatedly attempted to involve her causing a really bad home situation. I explained this to there Corporate office and the situation has gotten worse. Intimidating me by using my wifes XXXX as harrassment is unjust. Me and my wife have never discussed finance with one another we have seperate bank accounts. They have involoved her in my personal matter and caused undue stress in my household. I have offerede to pay on interest only until I am gainfully employed once again yet was met with " have your wife Pay it ''. I dont know what else to do at this point.
04/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 783XX	Web
I have contacted this company in writing and by telephone to address the fact that my financial situation has changed and requested a settlement offer. There has been no response to the settlement offer in writing, as requested per the letter. When I received a call from them, the lady on the phone was rude and said she saw the offer and that I was still needing to make a full payment. The letter also indicated the ONLY form of communication would be through writing by mailing address or email and only communicate with me and not the references listed on the loan application to which she responded that per their documents at the time the loan was signed, they are able to contact me at any time or place and use and contact the references listed. I have been making payments, but am running out of time and money to do so in a timely manner, hence, the settlement offer. This particular company has offered 2 deferrals within the last 3 months to help the situation, but has not responded to the offer or has not offered other options. They have attempted to call all of the references listed on my account even though i have repeatedly told them not to. They did not validate these references at the time of my contract to make sure it was ok for me to list them or call them, therefore, they are being harassed for something they have no knowledge of and have been given my personal information.
04/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78653	Web
I have constantly been in communication with the company about what day I would be making my payment but they keep calling me and my job harassing me stating that they will not be able to hold the loan. For my XX/XX/2020 payment, I explained to several of the reps that I would be making the payment on XX/XX/XXXX. However, each rudely told me that that was not acceptable and they could not notate my acct unless I came in person and sought out other avenues. The reps continued to call harassing me and my job up until Thursday, XX/XX/XXXX. I told the rep on that day that since they could not respect and honor my commitment to make my payment on the XXXX, that I will not be making the payment on the XXXX due to the harassment. I even spoke with the manager XXXX and the same rude unprofessional comment ensued. She states that they do not accept and honor scheduled payment dates over the phone. I told her that I will make the past due payment on XX/XX/XXXX and if they continued to harass me up until that point, I will continue to withhold payment. This is a ruthless, unprofessional group of sharks that are out for blood and is not willing to respect their customers and the dates that they are able to pay. They continue to call and harass, which is unacceptable. I do not ignore their calls and when I say I'm going to pay. I want the constant harassment to STOP!!!!
03/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78221	Web	Older American
On XX/XX/XXXX went in person to close the account because i had tried to close it since XX/XX/XXXX. I decided to pay off early the loan since I had the opportunity to do so. I first opened the account in XX/XX/XXXX and my son was making the payments for me. Total financed {$1400.00} plus {$100.00} of origination fee plus financed charge of {$930.00} of 69.99 % for a total of 18 months, monthly payments of {$130.00}. First payment was done XX/XX/XXXX of {$130.00}, XXXX payment XX/XX/XXXX {$600.00}, XXXX payment XX/XX/XXXX {$61.00} and last payment XX/XX/XXXX {$870.00} for a total {$1600.00}. I had tried to close the account since XX/XX/XXXX but havent so because they come out with all this interest charge, So on XX/XX/XXXX went to close the account in person again and at first I was told it was {$130.00}, then {$50.00} and then it was {$200.00}. I was told because they divided payments in 12 months, those months that havent incurred interests. I read the contract and it does not say nothing about charging interest in advance and they dont let us close the account because they say we still have payment due until XXXX of XXXX, in other words they want to charge the whole interest of 18 months because they dont want to loose that amount since we are closing the account early and all I want is to save money.
04/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 730XX	Web
They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through XXXX, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the XXXX, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.
05/19/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	OK 73099	Web
I just checked my credit report - listed is late payments for regional loans andcredit recovery asso. - this is not my accounts. - Regional loans send out XXXX of thosechecks for loans letters however I did not get it my daughter ( with the samename did ) She went and got the loan - and I find out later when she missed apayment - the loan was based off my credit with my social security number. I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.
03/31/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OK XXXXX	Web
On XX/XX/2022 I was searching for personal loans on line. I looked at what Regional Finance had to offer. As I was looking on line, I get a call from the company. I told Regional Finance I was looking to borrow {$1500.00}. The Lady ( XXXX or XXXX I think ) took my information and ask some general questions like how long l have been my Job, what kind of of car I own/mileage, own or rent home etc ... .I gave permission for them to run my credit. I got asked abt a charge-off that happened abt XXXX ago ( my credit has improved since then ). The next day I get a XXXX from XXXX or XXXX saying I was approved for {$2100.00}. I said did not need the funds like I thought at that time. I was then told they hold the offer for 30-days. The next day I called to find of the offer still stands and was told the Manager/Supervisor has decided to deny my application and that I will get paperwork in the mail explaining why. I asked to speak to the Supervisor/Manager, I was told that person was busy. I also want to add I am a person XXXX XXXXXXXX and you may or whatever agency want check into how many loans they give to people in certain demographics to make sure they are discriminating against any protected class.. The business phone # XXXX. XXXX XXXX. XXXX. XXXX, XXXX
10/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29115	Web
I gotten a loan with Regional Finance in XX/XX/XXXX. I was making payments on time until I lost my job XXXX due to covid. I was months before I stated receiving unemployment due to my job closing down no one could reach anyone to verify I was laid off. Regional calls my phone day and and day out. I have try to make agreements, I have try to ask could they lower my payments being I'm on a very low income now with unemployment than what I was making on my job. They wont do anything but an deferral which is still causing me to be behind. I have XXXX children ages XXXX, XXXX, and XXXX. I loss my home and my car in a matter of months. The last thing I need is for them to keep calling me adding more stress. I made a payment for XXXX on today XX/XX/XXXX and they call me asking for another payment for XXXX today. I have explain my situation to everyone in that office and at this point I wan na just change my number and don't pay at all. Take me to court or do what you got to do. I have nothing, because they are aggravating and I'm doing the best I can. They act like they understand and they care but they really don't. calling me early in the morning and all day long. XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are all getting on my last nerves!!!!!!!!!!
11/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	SC 293XX	Web	Older American
From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.
12/05/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75119	Web
I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )
02/04/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 775XX	Web
I have been struggling since covid. I no longer help family members so there is no extra change on my end. My mother was helping me as well and unfortunately bills have gotten so bad she can not help me, so naturally I have gotten behind. I have tried to pay even just a little bit online, not the full payment, just to show an honest effort. This company has called family I don't even really talk to. I have had to block Regional Finance ( off of XXXX in XXXX, TX ) because the calls are too many in number. Yes, I've had to install a blocker on my phone. When I call back to tell them when I can pay something I get yelled at and the last person even threatened me by saying " well if you can't pay the whole payment then I don't want anything from you and I'll take you to court ''. We had just a little bit less than {$200.00} left until my mom 's check came in and she told me to just pay it. These people have me in tears and I hate them to the core. We get these loans because we need the help, only for things to get worse. I can only pay a little bit now and nothing over {$100.00} and they don't give a XXXX. I hate them and I want this nightmare to end. I hope others get to see this. They won't work with me at all.
01/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29341	Web	Servicemember
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I received a call from a XXXX XXXX XXXX area code number and when I answered the lady said that she was from Regional Finance and that she had a program that I was eligible for to catch up my payments and my next payment would be due until XXXX, I said great so she did someone paperwork on her end and said she was transferring me to XXXX at the XXXX XXXX whom I am familiar with. When I speak to XXXX she asked what's the reason I got behind and I explained it to her and she said that was ok and if my payment was too high and I told her no it was ok she said she was placing me on hold to finish process, after a short time on hold XXXX XXXX from the XXXX XXXX whom I am also familiar with picks up from and begins demanding payment and attempting to use my debit card which is on file to make a payment after I have explained to him twice that I currently do not have the funds, he becomes quite unprofessional saying that there is not assistance for me and he is not going to allow it basically from the conversation we had after the lady that first contacted me stated otherwise. XXXX XXXX XXXX has become increasingly unprofessional and deceitful with customers at Regional Finance.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 761XX	Web
I reached out to REGIONAL FINANCE XX/XX/2022. I sent a Cease and Desist letter informing them of violation I notice. They consistently called 3x 's a day despite the correspondence. They are also creating accounts w/o my knowledge as well as consist. There are 4 accounts they have made up XXXX, XXXX, XXXX ; with 3 different amounts old. My report on XXXX reports account number XXXX with a balance of {$2200.00}. XXXX with a balance of {$2400.00}, and XXXX original loan {$1500.00} ( CLOSED ) Contract they have on record says account number XXXX. My Consumer Reports have all 3 accounts on them. 3 accounts have a balance I'm not sure how they did this w/o my knowledge. They are now committing fraud and identity theft. In response to my letter dated XX/XX/2022 they have sent me 3 different correspondences dated XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} late charges : {$110.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} Late charges : {$150.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$0.00} all 3 correspondences had the same contract attached to it. As a debt collector REGIONAL FINANCE has violated multiple code pursuant TILA and the FDCPA.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 362XX	Web
I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on XXXX yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
09/23/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 75063	Web
On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.
01/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 73018	Web
Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX office on multiple occasions and have not received any call back from anyone.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28590	Web
This complaint concerns a high-Interest loan company. I acquired a secured loan with XXXX XXXX XXXX and paid the loan off early. My first loan with XXXX XXXX was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?
06/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78747	Web
I received a loan offer in the mail for a company called Regional Finance Corporation of Texas. The single worst evidence of predatory lending I've ever seen in my life. In these uncertain times with millions of people out of work it made me angry enough to take the time to report these scumbags. A {$1400.00} check at the bottom of the page. A real check, all you have to do is deposit it, which I am pretty sure is, or at least was, illegal. I wasn't about to take a loan from some random company, but there are people out there desperate enough to do so. Out of curiosity about what I was sure was ridiculously high 30-something percent interest rate I flipped it over. 69.99 % APR!!!!! Plus {$890.00} in processing fees!!! That comes out to repaying the loan to the tune of {$3200.00}!!! How is this not wholly illegal! I'm disgusted by the rank greed of these people trying to take advantage of struggling Americans in this time of national crisis. Please take action against these terrible people. Here is the contact info for the company. Regional Finance Corporation of Texas XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77083	Web
I have asked that the debt be validated by Regional Finance and verified by the credit bureaus -XXXX XXXX XXXX and XXXX. I've sent a request to remove this inaccurate information on four different days. On XXXX, XX/XX/2021, I sent letters via certified mail. XXXX XXXX and XXXX still have not removed this inaccurate information from my credit file. Regional Finance has sent me a letter stating they sold this account to XXXX XXXX XXXX and all ownership rights belong to them. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), I have the right to request validation of the debt that Regional Finance says I owe them. Therefore, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Also, in compliance of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if Regional Finance can not validate because they sold the referenced account with disputed information, then Regional Finance is reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
09/21/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75243	Web
This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.
01/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 782XX	Web
I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29205	Web
During initial contact with XXXX, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from Regional Finance. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted Regional Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted Regional again on XX/XX/XXXX certified mail as well regarding the same accounts. According to XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.
02/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60653	Web	Servicemember
I received a check in the mail from regional Finance for {$2400.00} i never applied for the loan or anything, but it stated if i needed the money i should sign the back and deposit it into my bank account and at the time I was in a tight spot. My knowledge about the interest rate wasn't good at all not knowing I'll be paying back a lot with the APR being 36 % I almost fainted when recently i was explained about the 36 % Loan date : XX/XX/XXXX Amount Financed : {$2400.00} Annual percentage rate ( APR ) : 35.5 % Monthly payment amount : $ XXXX First payment due : XX/XX/XXXX Number of monthly payments : XXXX XXXXYour final payment may vary this was what they gave me at first Loan Number # XXXX Loan Name Personal Loan Loan Status ACTIVE Account Balance {$2900.00} Loan Open Date XX/XX/XXXX Term 36 months Maturity Date XX/XX/XXXX APR 36.00 % Original Loan Amount {$2400.00} Unpaid Late Charges {$50.00} I told them I couldnt afford the money at the time and they gave me an extra {$300.00} and redid my loan and my my interest rate even higher to a 36 % interest rate from the 35.5 % interest rate it was at first crazy!!!!!!
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30314	Web
XXXX. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including Regional Finance. 3. At approximately, XXXX XXXX, I received a call from the Regional Finance branch in XXXX, Georgia, phone number ( XXXX ) XXXX. 4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 5. I said I would not be willing to do that, and hung up the phone. 6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from RFC XXXX XXXX had appeared on my report. 7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
12/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30043	Web	Servicemember
Hello, I received a installment loan from Regional Finance back in XX/XX/2021. I was consistently making payment throughout the pandemic until I was hospitalized due to XXXX and giving childbirth in XX/XX/2021. In a month when I was finally able to go home, I had to take " maternity leave '' since I just had a child, no job due to pandemic. I was unable to pay from this time until I started working. They ended up making a two months missed payment on my credit report. I was able to pay in full the amount I owed in XX/XX/2021. I reached out to the corporate office to see if they will make a goodwill adjustment this one time due to the pandemic and my unfortunate situation but they said there is nothing that they can do. When I checked my score today it updated today XX/XX/2021 stating that I still missed a payment even though it was paid in full. I don't think this is fair. I would like to purchase a home for my family and this is making it so much harder. I understand there was other steps I could have taken to handle this better. If you are able to help in anyway I would greatly appreciate it.
11/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 79602	Web	Older American
XX/XX/XXXX XXXX left a message that i was past due and today was the last day to get a payment in before there was a {$10.00} late fee tacked on to my acct. XX/XX/XXXX XXXX left a message that i was 19 days past due and they sent out a legal letter XX/XX/XXXX XXXX left a message saying they were going to keep calling me up to 5 times a day if if i didnt get back with them soon to situate everything out. XX/XX/XXXX XXXX left a message saying they got last months payment late and that that I said I was good for this month payment but they haven't heard from me. On XX/XX/XXXX they deducted XXXX dollars and then on XX/XX/XXXX they deducted XXXX dollars and when I tried to call them to let them know XXXX said that it didn't show that way on her side and then I asked her to refund the XXXX since that was the second amount taken and that I didnt authorize XXXX to be taken out of my account only XXXX. I also told her I wasnt sure my payment dates or the amount due and she said in a rude like manner that I should know all that because they went over that at the beginning of the loan IN XXXX!!!!
09/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC XXXXX	Web	Servicemember
on XX/XX/XXXX acct : # XXXX, prior XXXX took loan out interest rate:31.876 % : credit life insurance : {$19.00} ; personal property ins. {$32.00} amount financedXXXX.never requested life insurance that only covered the loan, and {$19.00} was taken monthly, with a termination date of insurance on XXXX.I then reported the high interest rate to consumer protection and then management, XXXX XXXX, reduce the interest rate to 19.945 % on a bill from XX/XX/XXXX, that was {$1400.00}, since XX/XX/XXXX, I only paid {$700.00} into my debt, and the rest went to Interest? Please investigate! I am a Widow of an American Veteran, a single senior citizen, I believe in a higher power that I have to answer to! But I am become vulnerable to the con-artistes in XXXX County! I had gotten behind in my payment due to homelessness that was done deliberately by XXXX XXXX, a 33 year XXXX XXXX I had a work-at-home job, that he sabotage, by burning his condo down and XXXX his girlfriends 2 cats! I thought the property Insurance at Regional Finance would help me, but it did not! They did not help me!
08/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28348	Web
I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please forward any documentation that you may have in regards to the removal of this credit inquiry. XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX & XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
09/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 766XX	Web
I received a copy of my credit reports and see that Credit Recovery Associates is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Credit Recovery Associates. I asked for them to validate the following : 1. Who was the original creditor on this account and what was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants Credit Recovery Associates the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did Credit Recovery Associates pay for this account, and how did you calculate the current amount owed? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
04/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29642	Web
I have a personal loan with XXXX XXXX in XXXX, SC. This loan originated at the XXXX, SC branch on XXXX XXXX XXXX. The original loan amount of {$5500.00} with payments of XXXX that started XX/XX/XXXX. I have been having to pay {$240.00} a month because they want to " round '' the payment up but I am not seeing where the extra principal is being applied to my account. Last XX/XX/XXXX my payoff balance was {$3300.00} and now they telling me it is {$4100.00}. I pay ahead in large sums of {$1500.00} which covers 5 -6 months of payments. I now find out they have been charging interest for the months that are covered. When I log into my account online, my balance is {$5100.00}. I am tired of being deceived of this account balance. I have to call every month to get a " payoff '' amount that is more true because I can't keep track on my amortization schedule of the payoff amount. they call me every hour even though I am not late. I feel they are in CFPB violation of lender laws by not being transparent of my account balance.
02/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29045	Web
I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.
08/29/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23831	Web
I was offered a deferral in XXXX they sent me this information after the date they were requesting payment by. I explained via email I had been laid off and would care for the debt in full when I get a new job. I also explained that the date they wanted me to have new payment in by and sign agreement for has already passed. XXXX of my contacts listed called me and informed they had called them XXXX times. I never gave permission for anyone to be contacted outside of my initial approval for said loan. Nonetheless I contacted them and informed of my previous communications and the agent was combative after I stated I didnt want any of my references to be contacted and to place me on the dont not contact list they stated they didnt have a list for that. Frustrated I disconnected and they proceeded to call me XXXX times back to back. This is my first step before I file a BBB complaint. I know I owe the debt and I will pay it as I informed them via email. However being laid off XXXX unable to do so at this time.
06/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 79902	Web
I have called regional finance several times and asked for covid 19 assistance,, they have informed me they could help, that was back in XXXX or XXXX but the lady told me since my payment was not due to wait tile the amount was due and then ask for a deferrement, I did, After I asked for the deferral I was furloughed. I have been out of work and I have told regional finance that I have been furloughed. The company keeps calling me and harrassing me asking for payments knowing that I requested assistance becuase of covid 19. I have called their corporate office and she informed me that they could renew the account but could not deferr the payment since they have no covid 19 assistance program and there can only be one deferral at a time. I humbly request that someone help me. I have talked to the manager and the ladies at the regional finance location and all they seem to care about is when I am going to make my payment. I am so streessed out right now it does not help with someone like me with a XXXX.
07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29223	Web	Servicemember
REGIONAL FINANCE # XXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. XXXX Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. XXXX This account is reporting XXXX different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.
09/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78216	Web
I got a mail from regional Finance with a check that has been cashed posting date XX/XX/XXXX for a vaule of {$2100.00}, i never applied or recieved this check. Regional Finance sends out live checks to people unsolicited and in this case It was stolen and cashed. At this time of this incident it is recorded with USPS my mail was in hold to be held at post office due to mail box break in. This piece of mail and many others weren't held and postman left in mail box and i was not aware of this. Check number : XXXX. I do not have an account with this company. The DL information and email as well as signature isn't mine. I went into regional Finance office and filed a fraud complaint XX/XX/XXXX got a affidavit form, which i submitted on XX/XX/XXXX a form which a notary signed off on as requested. I opened dispute with credit bureaus and received a response today stating the company verified information that they know is not mine. Per XXXX I am contacting you to assist.
06/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 567XX	Web
I was mailed an acceptance offer through the mail from Regional Finance in XXXX Alabama. If I cashed it I accepted the loan money on their terms. I took out an extension and ended up moving to another state. I live XXXX miles away from their office now and have been doing research on the Cesti que act. I know that all loans are already paid. I asked the ladies in the office earlier this week to mail me a remittance or payment coupon, to which both women I did ask, stated they did not mail out statements. This is a violation of USC 1693o-1. I was certain the USC code would mean they have to mail me one of those coupons. I have the address for their headquarters based in XXXX south Carolina, so that's where I am going to send the 1099-A, 1096, and 1040V. But I was wondering if anyone would be willing to check my code listing to see if that code applies to my particular situation. If it does, why wouldn't they be able to send a coupon by mail to my new address.
07/02/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30005	Web
Regional Finance contacted an unknown law firm / person on XX/XX/2022 which contacted me asking me to have Regional Finance stop calling them attempting to collect my debt. They contacted this person and then gave them my contact details in order for them to stop calling not only this person but for me to get in touch with them as well. They effectively were using strangers to collect on this unknown debt. I found out that this is some kind of mailed check. They forced me to make a payment or they were going to report me 30 days late. They also had the unknown third party " law firm '' contact XXXX XXXX who alleges I owe them money and have been working with this person as well, we share similar first names apparently? I'm very upset that they gave my phone number to random people they were calling and I received phone calls about some debt that I don't even really know about and they won't accept any dispute without a police report which is nonsense.
10/13/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 75067	Web
I have received this company info on my credit report for the past year. I have attempted to find a contact number for them on various websites such as XXXX and XXXX. All I find is rip off reports, a complaints. i have tried numerous phone numbers and repeatedly get hung up on. I placed a dispute through XXXX stating I do not remember taking out the loan. I got a response back saying " Account information disputed by consumer, meets FCRA requirements '' No one seems to know what that means. I have no record of taking out the loan or any documentation proving it. I asked the people that have answered the line to send me some proof of the loan and then I can agree to pay they just tell me to pay the loan and hang up. The amount of the loan is {$1300.00} allegedly opened on XX/XX/2015. If I opened the loan and are responsible with proof, I will gladly pay it. They can not provide anything for me. They are going by two names XXXX XXXX and XXXX XXXX XXXX
10/15/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 774XX	Web
I was under the impression I had paid this debt. I paid $ XXXX. Haven't heard a word from them in 2 years or gotten any paper work. Apparently, I didn't pay the full amount and there was a remaining balance of about {$1000.00} that I now need to pay. While I understand the need to pay it, I was suprised and am not in a financial position to pay right now. I told them that. They didn't accept it. They now keep calling MY JOB. They've called 3 or 4 times and I told them that was unacceptable to keep calling and asking the receptionist for me. Yet they keep doing it. It's embarrassing that I don't have the money to pay. I know it's against the Fair Debt Collection Practices Act. But I don't think they know, I know that. I've have tried calling before and after work and I get a recording on a loop of a man telling me to call during business hours. I can't even leave a message. And they're not first on my list to tend to when I have an occasional break.
04/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29730	Web
I opened this loan with Regional back in 2018. The branch manager XXXX was nice at the time of the loan, but as time went on she became very rude and unprofessional. I've had a financial hardship which caused me to fall behind on the agreement, I've reached out several of times to offer a settlement to pay this balance, and have it removed from my credit and even spoke with corporate several of times. I was approved of an {$800.00} settlement, but never received anything in writing stating that they would remove negative item from my credit report. I am wanting to resolve this issue because it is hindering me from moving forward with employment, which is causing great stress. I am willing to work with this company, but I will need them to hold their end. I was informed by the Branch Manager that she would reach out to all credit bureaus once settlement paid in full to have item no longer reported to my credit, it would be a pay for deletion.
07/27/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 152XX	Web
I had a 2017 XXXX XXXX that was stolen from my house crashed and totaled the roof had to be cut off to get the person out of the car the car was completely totaled my insurance company XXXX XXXX who I had full coverage with at the time refused to cover the car because they said that the person had access to the keys I reported the car stolen I even sent the person to jail the person is still in jail for stealing the car but yet they would not cover the car after that the car went into being supposedly repossessed even though the car was no longer able to be a car because it was completely destroyed but because I didnt pay on it after that because why would I pay on the car that I no longer have my insurance company wouldnt cover The car it went in on my credit is a repossession Ive sent the person to jail I reported it stolen I do not believe they should be on my credit at all when I made every single payment up until that happened
03/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29910	Web
Regional Finance loaned me {$5500.00} at 35.49 %. At the time of signing the loan they asked if i wanted certain insurance policies listed below. At no time did they advise me that I would be paying the 35.49 % interest on these products. In addition they should be required by law to inform consumers that the products they are selling-the extras- can be purchased from other companies- that their 's is not the only choice- especially since the high interest rate applies to these extras Please see below list of " extras '' I was sold with no knowledge of the interest or that there are other options- 1 ) Premium to Credit Life Insurance Company 2 ) XXXX XXXX XXXX XXXX Insurance XXXX 3 XXXX XXXX XXXX XXXX XXXX Insurance XXXX 4 ) XXXX XXXX XXXX XXXX for Non-Filing Insurance In addition I borrowed an additional {$1500.00} on XX/XX/21 and it looks like I was either charged again for these products or more charges were added on.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78665	Web
XXXX XXXX illegally, and unauthorized accessed my credit file, running a hard inquiry indicating that I was applying for a new line of credit, and you continued to certify that as a true and accurate statement. Ms XXXX stated that she in fact ran a hard inquiry due to my not responding to their calls, and mailings. I advised that I had no obligation to communicate with her office verbally or otherwise as my obligation was repayment of a loan, which payments were consistently made. Ms XXXX did not have a legal right under the law to access my credit file and violated my consumer rights as well as my rights under The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, and was advised to remove the false, and illegal inquiry after which she retaliated by sending me a letter stating that I was in default of my loan which was false and simply a way to intimidate me, and further violate my rights.
11/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28262	Web
XXXX Submitted a reply to Regional Finance because they have defaulted on providing consumer validation on an alleged debt. On XX/XX/2022 regional finance was given a cease and desist and an opt out request for arbitration along with validation questions that Must be answered under FDCPA XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX regional finance failed to provide any required documents to consumer during the XXXX XXXX discovery period. However regional finances branch XXXX breached consumers cease and desist by responding on XX/XX/XXXX of XXXX a statement requesting payment from consumer without validating the debt. Therefore consumer is now providing debt collector regional finance XXXX business XXXX from the date of certified mail an opportunity to cure the account by XXXX out the balance on the account and all consumers personal information in regards to the alleged debt and a copy sent to the consumer of deletion.
12/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	OK XXXXX	Web
In Regards to ACCOUNT # : XXXX. This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.
05/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78759	Web
Regional Finance contacted me about paying on a personal loan in my name. I did not take out a loan. This was a fraudulent loan based on a scam. XX/XX/2022 I submitted fraud packet with Police Report to Regional Finance for a loan they said was issued in my name for {$2100.00} effective XX/XX/2022. They gave me a copy of a cancelled check that does not match my signature, phone number, or texas driver 's license number. I have contacted Regional Finance numerous times to have this account removed from my credit report and as of today 's date, XX/XX/2022 it is still showing and now is reported as past due negatively impacting my credit score. The local Regional Finance office says it has no record of the loan and it is now with their corporate office who states it will be at least XX/XX/2022 before they finish their investigation. This company is reported numerous times on XXXX for this same fraudulent act.
12/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 656XX	Web
My husband took out a loan through Regional Finance. I did not co-sign or want anything to do with this loan. We both have separate checking accounts. He does have an account with my name on it so if he ever goes over, I can transfer money to his account the minute I learn of it. I have taken all if my bills through a debt management company, XXXX XXXX XXXX. I've been with the for several months. My credit score was in the XXXX range. Then one day during the last couple months, an employee of Regional Finance called and asked to speak to my husband about his late bill payment but he wasn't home. I spoke to the person mentioning he was going through a debt company, XXXX XXXX. During this conversation they took it upon themselves to put my name on this account and call it a joint account. Now my credit is XXXX. If it wasn't for this one bill, I'd have great credit! How can I get my name taken off
10/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 27610	Web
The company did a skip trace without needing it and called my ex husband, whom I have an injunction against. This company claims to not have a valid phone number for me. I have had the same cell phone number since XXXX and the same work number since XXXX. I told them that they might of dialed a wrong number by accident and they refused to take accountability. My cell phone hasnt been disconnected and no one uses it but me. Also they never attempted to contact me by mail. Doing a skip trace for an account that wasnt even 30 days past due is going to far. Also contacting someone I have XXXX in XXXX makes no sense to me. This violates my privacy, they told him I was late with my payment. What makes me more upset is that they are blaming me when Ive done nothing wrong. I do not want them to ever call that man again. And before skip tracing me, they should at least contact me by mail. Dont you think?
01/31/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 357XX	Web
I have a loan with XXXX XXXX XXXX. I have turned all of my debt over to a debt counseling/consolidation company. I advised XXXX XXXX their contact information and asked that they get in touch with them to work out payments but they refuse to reach out. XXXX XXXX has now started calling my employer at an office that I do not even work at, leaving voicemails on the company voice system and on other employees voicemails about me and my debt. The company has advised them to contact me personally and not to call there but they still continue to call my employer becoming a harassment issue for them as well as myself. I chose this method of debt consolidation to ensure all of my debts are paid instead of bankruptcy or just not paying and I can not understand why they choose to not contact my debt consolidation company. Any help/assistance you could offer would be greatly appreciated. Kindest Regards
02/07/2018	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	NC XXXXX	Web
XXXX XXXX XXXX was reporting this account as a collection on my report during the time when the account was showing open with the original company. The company XXXX XXXX stated they were handling the issue and was not using the reporting agency. According to my XXXX credit report, they reported past due and in collections when they were not allowed to. XXXX was also showing the same information and the account being opened with them. When I reached to XXXX XXXX over the course of 2 years, each time a representative was rude and could not provide me documentation where XXXX asked them to obtain the account. It was being reported negative wit past due and as a collection, causing my score to drop significant. XXXX stated this would be fixed and XXXX XXXX was to close and delete the account back in 2016. This is still on my report as a collection incorrectly and with 27 90 day past dues!
05/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 370XX	Web
I am currently behind on a loan with Regional Finance in XXXX. I left my job for another and was promised more money at the new job and that did n't happen. When I went into the office, like I had promised to do, to talk about getting my loan caught up, I was told to take all mine and my boyfriend 's money, pay all my bills ( as in get everything caught up ) let his car payment with XXXX fall 3 months behind and then leave him and move back in with my mom. Now I do not have a bad relationship in my personal life but giving advice like that is not okay. So I was informed if I do not make a payment by Friday then they would continue with collections. That is fine but they do not need to constantly call my work, I have a personal phone and if they can not reach me there then they do not need to constantly contact references more than once in one day. That is not how a loan company works.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38111	Web	Servicemember
Regional Finance Corp. after charging off an account it alleges belongs to me has continued for the past 3 years to Increase and report the total Balance @ {$2500.00}, by {$69.00} each month from XX/XX/XXXX to present. *They report no Actual Payment Amount, nor Scheduled Payment Amount listed on credit report ; My credit scores have been somewhat consistent for the past few months actually going up, even with charge off, however on XX/XX/XXXX there was a major drop of 32 points due to RMC Balance Increase on my credit report. RMC has financially strapped me via Charge Off, financially gain by write-off debt to IRS and again financially gained with loss via government Pandemic Reliefs. Not only is RMC reporting Account Balance information incorrect ( loan balance, payment amount ), but also Account status incorrect ( showing charged off account, but reporting late payments.
07/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29440	Web
XXXX XXXX Act Number # XXXX Credit Recovery Asso Acct Number : XXXX RFC 119 Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
08/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 87105	Web
Hi : my name is XXXX XXXX, on XX/XX/XXXX I got a XXXX loan from Regional finance XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, on XX/XX/XXXX I made a payment of XXXX that apply for a few months, from XX/XX/XXXX to XX/XX/XXXX then we made another XXXX payment on XX/XX/XXXX, to cover from XX/XX/XXXX to XX/XX/XXXX, from XX/XX/XXXX didn't make any payments till so they added XXXX interest on the balance, XX/XX/XXXX I made a payment of XXXX they applied to the interest. then I made 9 more XXXX payments, they applied all 10 payments to interest balance went up fromXXXX to .XXXX now they are charging interested over interest. I want to pay in full but I think my it's to much XXXX it's not fair. I'm willing to pay what's rights, I spoke to the manager XXXX XXXX and discuss about haw interest works and he kind of explained but I wasn't convinced I need your help please.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
Regional Finance is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX nc on XX/XX/XXXX of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with XXXX also but XXXX will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do
09/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 352XX	Web
I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.
05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37207	Web
Regional Finance is stating that I still have a balance of {$570.00} when I actually paid this account in full on X/XX/17 ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on X/X/17 they were very rude to me and offered no help even though I have proof from XXXX XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.
10/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78251	Web	Servicemember
On XX/XX/2020 I received correspondence through the post office from an entity called 'Regional Finance Corporation of Texas '. The offer was for a pre-approved cash loan for {$1400.00}. The part I am seriously concerned about is that this particular offer included a live check in the envelope. The check had clear instructions as to the steps needed to cash it and even suggested that mobile deposit would be the easiest way to get the funds. The offer came with a 69.99 % APR and {$890.00} finance charge. I find it unacceptable that this entity would send out live checks that could easily be cashed at unscrupulous places and place me in a serious financial predicament. The XX/XX/XXXX check was actually the second time I received this offer from the same entity ; I had previously received the same offer from the same entity on XX/XX/2020.
06/29/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78572	Web
On XX/XX/2018 I financed loan with XXXX XXXX a total of {$1900.00}, unfortunately I lost my job and got pregnant. My XXXX has been very hard for me and could not go to work, due to complications, such as ; stationary XXXX, XXXX XXXX XXXX, excruciating XXXX XXXX and XXXX. My husband talked to them on several occasions to be patient with us and explained the situation about my illness and my expired residential card which I need to find a job. This item also has a cost of over {$500.00}. They said that they would take the next step, which is a lawsuit. A constable dropped off a card with the case number and left it on the windshield of one of our vehicles. No papers were served. My husband called to find out what was going on and the person on the phone said that papers were to be served and that was the procedures XXXX XXXX takes.
10/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
11/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78209	Web
On XX/XX/2020 Regional Finance opened an account with someone who stole my information. This company did not verify the driver license number with an actual id. They just let them write down the driver license number and did not verify any other information when opening this account. The information was already on the pre approved information letter that they mailed out. So this personal information was given to the person who stole my information and used it to open an account. I have disputed the information with the company who has told me sorry there is nothing they can do even though I have showed them my id and showed it was not even the address that they mailed the information to or anything else matching, like phone or email. No other information was provided to this company to verify the identity.
04/28/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29649	Web
I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29485	Web	Servicemember
RFC XXXX is reporting on my credit profile that I allegedly owe {$2800.00}. They also have Credit Recovery Associates trying to collect the debt on their behalf and the alleged amount they are trying to collect is {$110.00}. The XXXX companies are reporting on my credit profile for the same alleged debt. I contacted XXXX and the only information that they provided me is that a live check was sent to an address that I did n't live at the time. No one actually came into an office to take out a loan with them. I requested a contract agreement from this company but they did n't have anything with my signature on it however they continue to report on my credit profile and ruin my credit reputation. Is it legal for this company to report something twice on my report that does n't even belong to me?
06/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 37072	Web
XXXX my main issue is insurances placed on loan and informed it is requirement to get the loan. Personal property insurance and life and XXXX. Also I noticed while at the office the lady when I paid my loan off went to the back room left the door open and threw my paid off file in a box with other closed paid off customers. My personal information as well as 100 's of others is not secured at all they are just sitting in boxes. I asked to use the bathroom and when I went back there where this box was there were dozens of boxes like this marked paid off with the month and year on them just sitting around. My credit app is in my file with my credit report. I asked why they dont secured them and the lady said this is how every Regional Finance office does it and there has never been a issue.
10/19/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	SC 29210	Web
A collection agent from Regional Finance has been repeatedly and frequently calling and texting my phone attempting to collect on an alleged debt. They are also calling and harassing my sister about this debt and that's has been very embarrassing to me and my sister has told everyone in our family that I don't pay my bills and my debt collectors are harassing her. This is a serious invasion of my right to privacy and has been really stressful to me and causing me to have anxiety attacks. I am a XXXX XXXX XXXX XXXX woman with XXXX XXXX XXXX and regional finance has been violating Federal law FDCPA. I never gave them consent to contact me or my sister, they also sent me a letter stating I owed a debt along with other accusations. i have attached the threatening letter and date sent to me.
10/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 285XX	Web
XXXX XXXX XXXX ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between XXXX XXXX XXXX and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 281XX	Web
On XX/XX/2023, I mailed a dispute to XXXX XXXX, which they received per certified mail on XX/XX/2023, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since XXXX XXXX is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.
02/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 657XX	Web
I was speaking to Journey at Regional Finance in XXXX Mo and I was explaining my circumstances that I wouldn't be able to pay due to me wrecking my vehicle and my XXXX being unable to attain employment. I told her that my wife was in the process of being hired at a job where we will be able to commute together and once her paychecks start coming in we would get caught up. I also told her of the alternative that once we get my XXXX XXXX XXXX I can get a cash advance for my income tax return to pay off or catch up my loan. She then told me she would be unable to wait for that and they would be sending it to their legal department to garnish my wages. I am only XXXX days late according to what she told me and I find it baffling that they'll XXXX my check after such a short time.
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 283XX	Web	Servicemember
Regional Finance is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XXXX of XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my XXXX and XXXX and it's now showing 90 days late with XXXX and XXXX days late with XXXX. on XXXX it's showing late for XXXX, XXXX, and XXXX, on exeperian it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to XXXX on XX/XX/XXXX with false information and XX/XX/XXXX with false information on XXXX and XXXX this is preventing me from getting credit and ive already reported them to the XXXX XXXX
09/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 770XX	Web	Older American
There is a total of 6 loans, I used each loan to payoff the new loan and the loan amount are small, not execeeding XXXX XXXX. I can provide full documentation on all these loans upon request. Called the company and requested the payoff amount, they responsed XXXX with one amount and then when I called and asked again about the payoff on XXXX they responed with a different payoff amount. XXXX - XXXX XXXX - XXXX These amounts do not match. In addition they told me that they could charge interest outside the loan payments which was a bit confusing to me as this is not what I agreed too in my documentation. The information given did not match what I had originally agreed too, they are asking for excessive payments outside the payment schedule of the loan.
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 282XX	Web
I have some hard inquiries on my XXXX and XXXX reports that should not be there. I am in the process of purchasing a home and these should be removed. I placed a fraud alert on my credit file that indicates if anyone who runs my credit should call me and that was not done and this violates my right as a consumer. The following hard inquiries are showing on my XXXX report! Regional management XXXX and XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX . The following hard inquiries are showing on my XXXX report and show be removed. XXXX XXXX XXXX , XXXX XXXX XXXX . I have already contacted the credit bureaus twice and they were no he lp. Pleae help me get these removed. Thank you!
02/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 393XX	Web
Please refer to complaint number XXXX. On XX/XX/23 I sent Regional finance another letter requesting proof of the alleged debt. I have not received any proof. I have received information from the corporation through the CFPB in which they provided a copy of a contract that proves I participated in a consumer credit transaction that somehow turned into a loan. The corporation stated that they can not provide me with any account history but yet the law says otherwise. Federal Law. The corporation continues to furnish my financial information without my permission and it still has not provided any proof that I gave them my permission to do so. Attached are several documents showing proof. Regional finance is in violation of the TILA, FDCPA, FCRA, and GLBA.
10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NC 28115	Web
If I am I am 1 day late the creditor calls my house cell and job I have told them not to call my job because it is a personal call so they call my job ask for me to make sure I 'm there then hang up .I am not even behind by months only a few days .my job hours and the creditors hours are the same I have a day off n the week every other week then I go pay them but if it is 2 weeks after the due date that I get to go pay them they call me everyday with messages on my VM hang up calls at work and calls at home I could see if I had an outstanding balance but it is not only a few days late and the creditor knows that I get a day off in the week the day off vary I have XXXX messages on my cell in 21 days not including my house and job hang ups is the legal
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
A hard inquiry was placed on my XXXX credit report on XX/XX/2023. I noticed the inquiry on my credit report on XX/XX/2023 and called the company immediately. I spoke with the manager and she said that she would get it removed. I followed up a few times after this and got the same response. This still has not happened up to this date. I spoke with the national branch a couple of times since as well including today ( XX/XX/2023 ). Today the branch manager is saying that I requested additional funds and approved the hard inquiry. These statements are totally false, and they have no proof of this. They will not remove the unauthorize inquiry, admit that they did not have my permission to run my credit, or provide proof that I requested a hard inquiry.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
08/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27834	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/15/2020	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	NC 27606	Web	Older American
When they call they always use abusive language. One person in particular whose name is XXXX works there and another guy, constantly calls at least 7 or 8 times a day after I've told them when they will receive their payment. They seem to not communicate these messages to each other so it become constant. My husband and I are over XXXX years old and this has become frustrating to him especially because he has XXXX and gets upset much more easier than I. But it has gotten so worse that I'm even tired of all the abusive calling. I told them when I sent my last payment not to call me anymore, but if they needed to reach me, they could do it through a XXXX, who I can't afford to retain. I just wanted them to leave us alone.
08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27405	Web
Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} Regional Finance XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
04/05/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	SC 295XX	Web
On XX/XX/2020, I noticed there was a loan on my credit report that I did not apply for. I found out a relative had cashed a unsolicited check that came in the mail from Regional Finance Company. I contacted the branch to find out how much the loan was for, when was it opened and how, when I never applied, signed, etc. They told me the problem was with the bank who cashed the check. I have no idea who that bank would be, since it wasn't my bank. After hanging up with the branch of Regional Finance to reach out to the supervisor, I get an alert that they ran a hard inquiry on my credit. I was not calling them for anything to do with my credit, as I was calling to inquire only on a loan that was already in my name.
03/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 757XX	Web
Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.
02/09/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 359XX	Web
A representative by name of XXXX from Regional Finance has went against the fair debt collection practices by contacting my employer ( after I specifically told them not to especially if I am having open communication ) asking my boss why I was off and when Ill be back etc, then contacting a lady she used to work with at another loan company discussing my business asking why or if I had came in and going so far as to threatening me with garnishments when I had open communication was only 12 days late. This is harassment. Upon getting the loan I was totally discriminated against due to the fact I was told they typically DO NOT loan money to other people that are employed with another finance companies.
10/10/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 36067	Web
XXXX XXXX XXXX IN XXXX ALIKE THE PERSON I GET CALLS FROM FIRST NAME BASES ONLY HER NAME IS XXXX THEY CALLED ME AT WORK MULTIPLE TIMES I ASKED THEM NOT TO CALL ME AND WORK AND THEY CONTINUE. THEY ALSO SAME DAY THEYOU CALL ME AT WORK AND THAN CALL ME ON MY CELL PHONE 3 TO 4 TIMES A DAY. I SENT A LETTER TO THEM FOR THEM NOT TO CONTACT, EMAIL AT MY JOB AND ON MY PHONE AND THEY CONTINUE TO DO SO. TODAY XXXX/XXXX/XXXX I TALK TO XXXX SHE SAID SHE IS A DEBT COLLECTOR AND THAT SHE CAN call ME 6 TIMES IN ONE DAY AND THAT IT 'S THE LAW. And that she has been a debt collector for 20 years. I told XXXX THAT CALL ME 6 TIMES A DAY IS HARASSMENT. SHE SAID IT 'S NOT AND THAT SHE WILL CONTINUE TO CALL AS SHE PLEASES
01/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NC 288XX	Web
I am a consumer law attorney in XXXX, NC. Regional Finance Company absolutely refuses to engage with counsel regarding accounts that it has filed complaints to recover money owed. They say that their company policy is not to speak to any third parties, including attorneys. This makes my job as a consumer advocate impossible. My clients have the right to be represented by counsel when a creditor files a legal action against them - even if it's in small claims court. Regional Finance Co can not just refuse to engage with counsel. My only option is to appeal every small claims judgment to district court so that Regional Finance Co will have to retain counsel to participate in the legal process.
09/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 766XX	Web
I received a copy of my credit reports and see that XXXX XXXX is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from XXXX XXXX. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 294XX	Web	Servicemember
XX/XX/2022, notified Regional Finance Company by mail with return receipt requested # XXXX. Debt was remedied by a XXXX and all documents were Notarized. I also sent a Conditional Acceptance Letter Value for proof of claim, a Letter to the Creditor, and a Remittance letter. After repeated calls harassing me for another payment I forwarded it to the Corporate Office CEO and added Cease and Desist letter informing the debtor that I was aware of the debt being " Paid from my XXXX XXXX Trust '' while I paid it again with a XXXX which was also included in in the documents. I am receiving phone calls daily repeatedly and mail requesting payment approximately once a week. This is harassing.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 75104	Web	Servicemember
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. In accordance with the Fair Credit Reporting Act, the following creditors, REGIONAL FINANCE - ACCT # XXXX have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
02/07/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 79938	Web
I, XXXX XXXX XXXX, use the services of the Regional Finance Corporation, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX. I have been asking for loans since approximately XXXX, they have lent me {$7000.00} until XX/XX/XXXX and I have been paying monthly amounts on time. different Since I started with them I have refinanced approximately 3 times, with the loans to date we have a balance of {$12000.00}, and what they have lent us, the balance is still the same. Rebreaking my contracts and I paid them double or triple what they have lent us, I also realized that the interest is always higher than when I started with them, I have contracts every time I have asked for a loan.
05/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. After looking up the number I found it to be to a XXXX XXXX dba Regional Financial. I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at XXXX. I have attached the fax confirmation proving they received it. On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
10/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 393XX	Web
Regional Finance continues to attempt to collect an alleged debt after being put on notice via certified mail and the cfpb. This entity is causing emotional damage to my well being. This entity continues to furnish an alleged debt after being put on notice of my right to opt out of the sharing of my non public personal information. Regional Finance is ruining my general reputation. I have requested verification of the alleged debt and none has been provided. I have requested the original creditor name and address and it has not been provided. A copy of a judgement against me has not been provided either. This alleged debt has been in dispute since XX/XX/2022.
04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NM 875XX	Web
XX/XX/2021, Regional Finance sent a check and somebody who is not me cashed it. This resulted in me owing them money and impacted my credit report in such a negative way that I am no longer able to receive a mortgage to buy a house. They said it has not been paid in 120 days so they wrote it off and are waiting for it to be sent to collections. I have filed a police report, contacted all of the bureau 's and was told I need a letter from Regional Finance acknowledging it was fraud to get this off my credit report. Regional Finance has been uncooperative, they told me that they wrote it off and there is nothing I can do until a collection agency buys my debt.
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 762XX	Web
THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ XXXX AND XXXX OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.
01/27/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28214	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29841	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
11/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	VA 23228	Web
I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.
02/01/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	MO 640XX	Web
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all natural inalienable rights reserved.
02/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 20110	Web
I received a loan from regional finance and began making payments on the loan. Due to economic hardship, I began having problems making on-time payments. I made payments that I could and worked with the company to refinance the loan. The company has appeared to lose my paperwork on XXXX separate occasions which have resulted in failure to refinance the loan. As a result, I have had the company call my work and personal cell phone non-stop disrupting my ability to work. I provided proof that all documentation was supplied as requested. Additionally, the about to refinance and assist me is now higher than the original amount borrowed.
02/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 37167	Web
I received their check in the mail XXXX 2020. Short on funds, I moved forward with this loan. I paid the total amount off in XX/XX/2020!! I spoke to XXXX back then and arranged the payoff. They have called me a few times asking if I needed funds since then. I declined! Today I get a call from XXXX again telling me I had a {$40.00} balance!!!! In which I replied with whatever and hung up. This is a scam!!! I dont owe them a dime!! I have not heard from them other than offering me a loan, in months!!!! Because I paid it off!! These people are drumming up charges that I dont owe and I want that {$40.00} balance removed immediately!!!
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30339	Web	Servicemember
I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.
08/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78253	Web
On XX/XX/ there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
03/10/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73099	Web
I have a loan with regional finance. XXXX XXXX is a he primary on the account. Regional has contacted my husband XXXX at his work number 6 times now. Every time they call him I call them back to let them know not to call his work number. XXXX stated she has removed the number and left notes but this is what is say to me all 6 times. I understand courtesy calls but the loan is only a day or two behind, and if the loan would be past the ten days they give them I personally give them a call to let them know. This issue has caused problems at my husband XXXX job. If he losses his job because of this then how would be able to pay back.
09/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29115	Web
When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best
08/29/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NC 27302	Web
I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.
03/26/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	AL 365XX	Web
Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.
08/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75019	Web
Regional Finance has been trying to collect a debt in the amount of XXXX. From XXXX that I never owned. I have answered the calls to let them know I never accepted their loan and they said they would send me paperwork to get a complaint filed and they never did. In addition to that, this loan was accepted while I was out of the country so it is impossible for it to have been accepted by me. Speaking with them it seems that the loans are made in the form of checks mailed then you just go cash them. The collection is affecting my credit and the calls are getting out of hand. No longer know what to do to get it removed.
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	TX 76504	Web
You are in Direct Violation of The Fair Credit Reporting Act { Acoount Name & Number # }, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open- end plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
09/20/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	VA 20171	Web
Received an actual check and letter mailed from Regional Finance to my address. The check is deceptive and is intentionally created to easily fool and take advantage of others by not realizing this is a personal cash loan. This was a pre-approved cash loan offer for {$2400.00} which I did not apply for. The sole intention of this letter and check is to take advantage of others especially stating to deposit the check at any bank. Monthly statements will also not be issued, causing victims to not realize this is not an owed check to them, but they are instead entering into a loan unknowingly and unwillingly.
05/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28314	Web
I spoke with a representative at XXXX XXXX XXXX to ask why was a debt being reported thats was inaccurate. I also notify the representative she was being recorded she said she didnt care that I need to learn how to pay my bills my response was the bill was paid and why are you reporting inaccurate information on my credit report she then said do I have proof I told her yes and then asked her for the address to provide documentation that the debt reporting is inaccurate she hung up the phone. I attempted 3 times to get the current mailing address and each time she answered and realize it was me she hung up.
10/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77845	Web
I received a check by mail for {$2400.00} and I checked in. I was paying regularly my debit but I found myself in a difficult situation and I didnt pay for two months. I woman XXXX, started calling me to my work place almost every day, been so rude and aggressive towards me. I explain to her that she can no longer call to my work place and I has having returned her calls even if she still abusive with me. She called me ones again asking me to my work address and I explained that I can give that to her. She in putting my work in risk with those calls. Im working to have that loan pay, but I cant right now.
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web
On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts XXXX XXXX XXXX XXXX for the amount of {$1500.00} and XXXX for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.
08/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28215	Web
I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, Regional Finance is listed on my XXXX report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MS 393XX	Web
On XX/XX/2022 I sent Regional Finance a cease and desist which they received as evidenced by the attached letter. I asked the company for several different documents. The corporation sent a copy of the agreement. The corporation sent nothing else. The corporation was also asked to request deletion of the named account from the credit report agencies. The letter I received did not acknowledge that request and the account is still reporting on my consumer report. I did not give the corporation permission to furnish my financial information. The corporation did not give me an opt in or opt out option.
11/12/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 78749	Web	Servicemember
I have asked the company multiple times ( at least 3 times prior to today : XXXX XXXX, spoke to ****** ) not to contact me at my work place, she has told my staff members to tell me I need to call that company to resolve an issue. I have explained to them that I am unable to get personal calls at my job. Each time I had been told that they would remove the phone number but base on the calls it has not taken place. I have expressed my concern with the manager he stated they are doing their job and will speak to them to be sure the phone number is removed. My rights have been violated more than once
03/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 272XX	Web
We are 2 months behind on car payment. Called today to make a payment of {$420.00} which is my monthly payment. The caller refuse saying if I didn't have {$600.00}, I had to turn the car in. I asked the caller to explain there policy. Caller stated he was told to only accept {$600.00} from me. I am on a fix income and I make a payment once a month. they refuse my payment but will try to report it to credit bureau like I was late but I'm on time. Caller stated I had to have {$600.00} or turn the car in. I just want to pay my car payment and drive in peace but the works at the location is very rude.
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77346	Web	Servicemember
Regional Finance in XXXX, Louisiana sent a convenience check to my parents with the name XXXX XXXX on it to my parents house. My father named XXXX XXXX XXXX XXXX cashed the check by signing his phone number email and drivers license number. My name is XXXX XXXX XXXX. This company placed it on my credit report and after numerous discussions they are aware it is a mistake but refuse to take it off my credit report. I also disputed the account with the bureaus and Regional Finance claims that it is verifiably my account even though they are aware it is not which is a lie to the bureaus and fraud.
01/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX data breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
07/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MT 598XX	Web	Servicemember
When I contacted the company : regional finance company of New Mexico and XXXX XXXX XXXX XXXXXXXX, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
05/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 241XX	Web
My hours were cut at work due to covid-19. I sent a letter with a payment saying not to contact me that I would make a payment every other week because of my situation. They cashed my check but still called me. I got a call from them so I picked up the phone and asked the lady while she was calling me when I sent a letter saying not to contact me. Her response was because you still owe money. I informed her not to contact me that is was breaking FDCPA rules. When I sent in my next payment I sent in another letter telling them to stop contacting me. But again the continue to call me.
09/01/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 78247	Web
XXXX XXXX purchased " debt '' without my permission from Regional Finance TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside Regional Finance ( which was very abusive and harassing ). They continue to call and email me. I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. In violation of USC 15 1602. I could list more if needed
10/17/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78363	Web
Regional Finance has been calling my place of employment. I have already asked them to not contact my place of employment as I am not supposed to receive personal calls at work. The woman I spoke to stated she would note my account however I keep receiving calls from XXXX at work, who is also the branch manager, I know this because he is the one that calls my cell and leaves voicemails. Although he does not directly speak to me at work as I am usually in meetings when he calls, I am always left with a message that a XXXX has called, left no message, said he would call back.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29016	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29016	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35209	Web
On XX/XX/2023 I was notified by regional finance that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. Regional finance proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.
07/22/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 29730	Web
Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.
10/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78251	Web
Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.
10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36532	Web
On XX/XX/2019 I received calls from XXXX twice within 10min. They claim they are Regions Financial collecting on an account for a company called XXXX XXXX. I have never heard of this company nor have I ever purchased furniture on time. They asked for my SS #. I would not give it & they actually read off the SS # attached to the account they were referring to! When I stated that was not my SS # or my address that they gave, I was threatened that the police would be contacted. I told them, Please do. I do not even live in the city of the address they gave.
10/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30127	Web
I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.
05/19/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NC 283XX	Web	Servicemember
on XX/XX/XXXX i contacted regional finance corporate office to let them know that an employee in their XXXX branch got a copy of my credit report without my authorization a few days earlier. they said someone would reach out but never did. i reported them to the cfpb and now they are saying i did give the employee to run my credit. this is not true. i never told XXXX of the XXXX branch to run my credit. i called the corporate office again today to tell them this. now i have to get an attorney in this case and get the nc doj involved because of this
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 283XX	Web	Servicemember
XXXX and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is regional finance. XXXX financial also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. regional finance and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with regional and hopefully XXXX has put one out like i requested since i reported both companies the nc doj
12/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78728	Web
I had taken out a personal loan and have gotten into a financial hardship due to my roommate losing her job due to Covid and not able to pay her part of the bills. I have let them know that I have falling into the hardship and working on trying to get them paid but right now I cant. I have received several phone calls at my job. I have asked them more than once not to call me at my job as we are not allowed to receive any type of personal calls. I have asked XXXX the manager to quit calling me at my job and she has continued to call me at job.
01/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OK 73012	Web	Servicemember
I applied for a loan with this company for {$5000.00}. I made multiple payments and they didnt report them to the credit bureaus. I then fell into a situation where I was laid off and had the insurance where if I lost my job the loan would be paid off. I provided proof of this to them. Since then the have reported negatively charged it off and still continue to add interest each month to my account and pull my credit report without my permission. They have done this four times different months. I have tried to dispute this and they wont stop.
09/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30080	Web
XXXX at Regional Finance in XXXX, GA was EXTREMELY rude and disrespectful on XX/XX/2019. I explained to her my case on my payment. She accused me of making a fraudulent payment to get them off my back which I did not. That is tarnishing my character and completely inappropriate. I told her I didnt appreciate her attitude and she kept assaulting me. She said I do what I want to do Im mad at her because I can not pay bills. This is absolutely no way an individual should be treated. Horrible finance institution and completely unbelievable.
09/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO XXXXX	Web
On or about XX/XX/2020 attempted to get a loan from Regional Finance and was never told I was denied they wanted my spouse to also apply in an attempt to get us approved then the lady never called me back as she stated she would and mailed us denial letters over past credit experiences on my report I was told regional was a company who helps fix credit and they market that but yet refused to give us a loan they are new to XXXX and already have no transparency also XXXX is reporting accounts that are disposed in court and or paid off.
07/18/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29650	Web
Every since XXXX, I have been disputing this inaccurate information with the collection agency and the creditor. This information has been deleted from XXXX and XXXX, after they have proven for it to be inaccurate. However XXXX keeps reporting this information and the Collection agency are not looking into this matter. It is now, XX/XX/XXXX, and they are still reporting this inaccurate information.AND DO NOT ATTEMPT TO ADD INACCURATE UNVERIFIED INFORMATION BACK ON MY CREDIT AS THAT IS A VIOLATION UNDER THE FAIR CREDIT REPORTING ACT
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29154	Web
In XX/XX/XXXX i was notified that Regional Finance reported to the credit bureaus that an account that is paid off as having a balance of {$1100.00} and 30 day late remark. That IS NOT TRUE! I paid this account in full on XX/XX/XXXX, I have bank statements showing the funds deducted. Ive received the title for the vehicle I paid off. The company had already updated the account to a XXXX balance and payoff date to the credit reporting agencies. This company has violated the Fair Credit Reporting Act by reporting this account twice.
10/26/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77396	Web
Hello there well i have a loan with regional finance, i was doing just fine. Till all this Came down, i was still paying them i was a couple days late but never as late so they can report, but they reported to my credit payment missed wen it wasnt even late, so laid about it, i was still paying them but. Then I wasnt working at all helping my family at home. Then they started to call, they have called me up to 206 times a day. Then they got the number of my mother, cause she had a loan there. And e started to call her.
01/27/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 765XX	Web	Servicemember
I am in a program that is helping Me get out of Debt and all but 1 Company keeps Calling Me Everyday 2-3 times a Day and is Calling My Employer I have told them I am getting things taken care of and They Continue to call everyday even when I'm already in Bed My Phone rings I am a XXXX for My Employer and I get Phone Calls while I'm XXXX The Company Ithat is Helping Me told Me not to answer their calls My Wife Spoke to the person in the office of the Consumer and asked Her not to call She said She would Continue to Call
06/21/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 741XX	Web	Older American
Repeated phone calls to me and my references since XX/XX/23 thru XX/XX/23. Asked them not to call me or my references since loan is being taken care of by XXXX settlement company. I've offered to give them the phone number to call to verify with XXXX settlement company and they said they can't call them and they'll need to call them. The settlement company has sent letter to notify them of what is going on, but they continue to call. I've blocked there number and now calling from another number and leaving voicemail.
04/14/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77054	Web
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73110	Web
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
09/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 367XX	Web
I am approximately 2 payments behind with Regional Finance. I paid them in XXXX. I asked if there were other payment options that I could afford, but I was told no. The company repeatedly calls my phone or job multiple times per day. If they can't get an answer from the store that issued the loan, they will call from other Regional Finance store somewhere else. I have received numerous calls on today already. I'm asking for them to work with me to establish a reduced payment. This is ridiculous!!
02/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI XXXXX	Web
Today, XX/XX/2019, I, XXXX XXXX, received an envelope from XXXX XXXX. Clearly in the address window were the words " payable to '' followed by my name and address. I opened it out of curiosity. It was a solicitation to take a loan with XXXX XXXX. Upon reading further, the check was live and cashable. The terms of the installment loan would be an APR of 44.99 % for a two year, {$2000.00} loan. I have pictures and originals of all documents. I think this would qualify as predatory and deceptive.
02/10/2016	Yes	Payday loan	Received a loan I didn't apply for	OK 735XX	Web
A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.
04/18/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 761XX	Web
I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX
04/21/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 77036	Web
I never applied or received a loan from them, someone else did. I don't know anything about it. When they sent me the information it was not me everything was wrong on the copy of the check. It didn't have my correct driving license number, it doesn't have my signature on it, it has my old child hood phone number that has been disconnected over 20 years. I don't know why the place would cash a check with none of the right information. I did not do this and I want it off my credit report.
04/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77077	Web
I owe a loan with Regional Financial and have fallen behind of which I plan to pay. My major complaint is they continuously call my work place which is not allowed even after I have explicitly ask them not to call over the phone on numerous occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. My coworker has also asked them to stop calling the office on the same days when they picked the calls. I have sent an email on XX/XX/19, and sent a formal complaint on XX/XX/19 to them.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75010	Web
My social was used for a loan of XXXX $ that I did not apply for on the company call Regional financial. This account was open on XXXX XXXX. It start showing on my credit report a week ago. I called the company a couple time and we verified that the info they have under my name its not mine and they have not resolved this problem. They said something about some forms that I have to fill out but they never send me nothing. I would appreciate if someone would help me please. Thanks.
02/24/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29505	Web
It was being reported on my credit report that I had a collections account for a past due loan Through XXXX XXXX being shown on my credit report. Ive disputed this collection and in return I was told that and show where XXXX XXXX was removed as the Original Creditor of the collection and Regional Finance Loan company was then stated as the original creditor. Ima convinced there is a fraud taking place here and I would like The CFPB to investigate into this matter thoroughly please.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29485	Web	Servicemember
I have contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.
08/21/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77530	Web
I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.
09/15/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 60628	Web
On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.
09/15/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 60628	Web
On XXXX XXXX, XXXX, she called my personal phone a total of 5 times back to back. The collector then called my place of business 3 times. I am listed as reference only not a cosigner, so my work information was never given to this or any other business. The car in question is not in my name so therefore I should have never received a call at my job. I then returned to work on XXXX XXXX, XXXX, to find out this information. I called her and told her to never call my job again.
06/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29730	Web
The collection agency is Regional. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28602	Web
I have received a copy of my credit report and it shows company REGIONAL FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
06/08/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77449	Web
I am behind on my bill less than 30 days, and they have called me at work several times. I have specified that I can not receive personal calls at work. I called on XX/XX/20 and spoke with XXXX and made a payment and told her to not call me at work any more. Now a XXXX is calling me and says their are no notes in her system to not call me at work with a very sarcastic tone. I was told again by my boss that I can not receive calls at work, and now my job is on the line.
03/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37129	Web
I currently went through a major financial life change A divorce Ive tried working with the company I informed them Im using a debt consolidation company I currently work from home I have multiple zoom and teams meetings per day Ive asked them not to call back to back They state they have a right because its my cell My office sent all employees home to work due to covid 2 years ago so this serves as my office phone as well XXXX particularly is extremely unreasonable.
05/21/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79936	Web
I have turned this debt over to XXXX XXXX to work out a settlement to work with Regional Finance to settle this debt and they refuse to work with me to settle. They call me all day over XXXX to XXXX times a day. They sent me a letter to seize my personal property. I again referred them to XXXX XXXX to work with them and they refuse. They call my employer and do not want to work on a compromise. I already informed them I am trying to work on a settlement they refuse
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78666	Web
Regional Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
06/27/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35022	Web
I have an account with this company and have talked with them about my account. I can never get a correct amount of what is owe and when I pay never receive payment receipt for what I have paid. This company calls my job 3 to 4 times a day and I have asked them not too. I have also asked about making arrangement they will agree on phone but will never provide me with written documentation. The employees are rude and I have reported them to upper management before.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web
I got a call from Regional Finance on XX/XX/2023 stating that I had cashed a pre-approved check from them on XX/XX/2023. I told them that I have never cashed any check from them or even heard of their company. They told me that the check could have been cashed by someone else and that they would file a complaint with their fraud department so that this wouldnt affect my credit score. I havent gotten any updates from them and have also filed a complaint with XXXX.
10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	TN 373XX	Web
In XX/XX/XXXX a loan for {$1800.00} was taken out, and we was told if it was paid within back within 30 days there would be no interest or penalties! So on XX/XX/XXXX I paid the {$1800.00} back in full in the form of a cashier 's check from my bank XXXX, but Regional Finance still shows on my credit report that I owe them money ( never marked late or nothing ) instead of stating paid in full... so this needs to be corrected immediately, cause I owe them nothing!
01/23/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77502	Web
There was a loan of {$2500.00} taken out from regional finance on XX/XX/2020 using my name, fake email address, phone numbers i do not recognize, and my accurate drivers license number. I was not aware until XX/XX/2020 when i checked my credit karma which I then disputed right away. I have made a police report, sent an affidavit I was asked to complete, and filled out paper work the loan office. I disputed the loan from my credit and it came back as accurate.
12/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
Company say a live check was sent out in my name and was deposited into a account not linked to me without and signature on this live check they created without my permission.. Ive requested information under the ( FDCPA ) twice, once on XX/XX/21 and XX/XX/21 which I requested certain documents and didnt receive all of those documents I have requested from the company Regional Management. I will send copies of both letters show the request that was giving
07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 981XX	Web
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Report Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Address Identification Number:XXXX The address associated is mine. The name on the account is incorrect. Ive been harassed by multiple debt collection age agencies.
04/09/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77375	Web
I'm trying to make a principal payment to the loan in order to pay it earlier. They say that their system won't allow it. Any extra payment I make part of it will go toward future interest and the other part toward principal, even though I'm making the regular monthly payment. I want they to apply all the extra payments to principal in order to reduce the interest payments and term of the loan. They never disclose that when I signed the loan agreement.
12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72113	Web
HI, An unknown personal loan was added to my credit report which was never taken by me and opened fraudulently. The company Regional Finance which claimed that I have taken the loan hasn't helped in fixing in the issue but was rather more focused on collecting the debt amount of {$1500.00} which I have not taken and the interest has been charged every month. This has greatly affected my credit score and shows at charged off on one of my credit score.
09/07/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 73099	Web
I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 338XX	Web
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
02/10/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NV 89032	Web
XXXX XXXX XXXX of Regional Finance is in violation of { 15 U.S.C. 1692 }. He call my phone an about debt I do not owXXXX XXXX XXXX in the morning. He keep stating that he want me to file fraud charges on an unknown person. He accused me of lying when I showed him letter from XXXX XXXX. He is in violation of { 15 USC 1611 } willing & knowing committing illegal act. PDF is in filled of proof includes call log screenshots, letters, cfpb screenshots
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27610	Web
in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78501	Web
The past 3 weeks ago I had 2 different phone calls from 1. XXXX XXXX XXXX and the other is Regional Financial about online applications of {$10000.00} loan that I didn't apply for. I am afraid that my identity has been compromised. I also received some letters about some banking accounts being opening in my name and I don't know if there is more frauds going on. I also have a couple of hard inquiries on my credit report. Thank you for the help.
10/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28217	Web
XXXX XXXX has been calling not only me, but several of it's customers threatening to take personal property, threatening to take them to court when no legal documents have been served and using abusive language, harassing family members and calling my place of employment after i told them not to. Much of this illegal behavior occurred during XXXX, XXXX and XXXX of 2018. However, I'm sure it has been going on for much longer than my situation.
07/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 283XX	Web	Servicemember
Account was paid in full since XXXX once company had informed me of other accounts associated to me. Id agreed to pay the account under the impression that it would be removed from my credit report. Id made the payment despite of my financial hardship due to my sons hospitalization. Its been inaccurate reporting to a couple of major credit report bureaus making it impossible for me to fulfill my dreams for better opportunities for my family.
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64114	Web
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the the rights to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16665 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78230	Web	Servicemember
XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me. There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number. A credit line I had just closed my account without giving me any explanations.
10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 78640	Web
I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.
01/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78539	Web
Over 1 year ago and 30 days ago, I sent a letter. Regional Finance XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX and XXXX that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and XXXX to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.
04/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78748	Web	Older American
Regional Finance XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX I paid the company off in 2015, and they still have a judgement on my property, and my bank refused to give me a loan to fix my leaking roof, until Regional Finance, issues a release of judgement off my property. I am a XXXX year old XXXX senior citizen, and I need my leaking roof repaired ASAP. This has been an ongoing battle for the last few months. Please help me.
08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53225	Web
Company Regional Finance Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wisconsin XXXX XXXX is reporting debt information TWICE on my credit report ACCOUNT NUMBER XXXX which is illegal and violation of the FCRA.Also reporting this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXXThis is illegal and should be removed from my credit reports from all 3 credit bureaus from the original creditor thank u.
08/21/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 27858	Web
The company is Regional Finance.I paid my debt in full on XX/XX/21. I had to wait 10 business days before a written letter from this company would email and/or mail out to me a letter that this account is satisfied. I have called twice and it is repeated to me, " its in the mail ''. Please assist with me obtaining this letter. This loan is paid in full. I would like to submit the letter to the three credit bureaus. Thank you
10/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	TX 775XX	Web
This company has called me 28 times left 9 voicemail and 2 text within 7 days of being late. The manager called me from her personal phone and told me she is allowed to call up to 6 times per day. They also continue to offer a resolution under the guise of help called a fresh start when in reality it starts over your year period of paying interest only which they do not tell you upfront since they represent it as help.
02/28/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 24502	Web
Company is Regional Finance. Their ph number is XXXX. Repeatedly calling me on my cell then XX/XX/2020 called me at work on my employers ph. Then called my cell for the 30th plus time and left voicemail stating I was going to be sued and they were going to garnish my wages to 25 %. I explained my hardship to them and that I was currently using a debt settlement company. I have saved the threatening phone message.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78221	Web
I had disputed the problem to remove the negative remarks on my credit report, Its showing POTENTIAL NEGATIVE, in a couple weeks, I looked for the dispute to be compete and it stated payment late. I had called to explain to them that the payment was paid completely and the negative remarks need to be removed completely. This needs to be settled right away. I am paying off my debt and credit cards completely.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	NC 283XX	Web	Servicemember
regional finance pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.
01/19/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TX 75042	Web
On XX/XX/XXXX20, there was a fraudulent loan account created on my credit which I never involved with. The company call Regional Finance contacted me a few months ago regarding the loan check they issued to my old address. I told them that Im no longer residing at the address XXXX XXXX XXXX XXXX TX XXXX. And Im not going to responsible any actions that they have been fraudulently doing without my consent.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 313XX	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also states can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card and open - end consumer credit plan as late for any purpose.
11/16/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 78741	Web
I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.
03/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32244	Web	Servicemember
On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
09/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 794XX	Web
Regional finance XXXX Texas keeps calling my work And its unethical I told them Im not allowed to take personal calls at work They call everyday I wan na put a complaint on them! They are rude and aggressive They call me at work I have proof they call me everyday on my phone And proof they call my work everyday Its annoying my work is getting mad I dont even answer the call anymore
09/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	SC 29640	Web
We noticed on our credit reports that the information pertaining to the loan was incorrect. Payments had no been reported since XXXX of 2022 and our balance wasn't changing. Reached out to local and corporate branch and they insisted that they were reporting it sine we had never missed a payment. They balance over the phone was almost XXXX less than what is showing on credit reports
10/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 981XX	Web
I competed the Identity Theft packet from Regional Finance and sent it back to the business with a notary from chase bank attached with a police report and copy drivers license via certified mail. XX/XX/2023 through my recent dispute they have confirmed they have received the documents and agreed to delete the fraudulent account. I would like to be remove asap as it is inaccurate.
02/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77539	Web
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : Regional Finance Corp. Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30088	Web
I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.
12/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78217	Web
XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing
03/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 38501	Web
I gave this company hand delivered letter stating not to call my work per the fair debit protection act. They refuse to honor this and they will contact family members asking them to get in touch with me. They will constantly call my home phone off and on all day sometimes back to back. They have come out to my home without noticed. I am harrass my them daily
03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 30017	Web
My debt/original balance of {$1500.00} has since been paid, however the late payment history of 30-59 days was reported on my credit report for al 3 credit bureaus was reported for XX/XX/2022. I was impacted due to covid19. Please remove the negative payment history from my credit report with all 3 credit bureaus as this debt has been fully paid. Thanks!
09/28/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75211	Web
On XX/XX/18 XXXX XXXX contacted my mother in law and told her that they were going to sue us if we didn't pay them. Not only did they tell her about our debt, they threatened legal action. This company has also repeatedly called my husband claiming to be someone from his place of work just to get him to talk to them. They are dishonest and corrupt.
01/28/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 78705	Web
I recieved this loan in the mail, but I did not apply for this ( or any ) loans. The check is for {$1400.00} but the charges are {$890.00} and the APR is 69.99 %. These terms are clearly predatory. This is no better than a phishing scam! Also the check is issued by XXXX XXXX and they should be held responsible for participating in this garbage.
10/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95835	Web	Servicemember
XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.
08/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29464	Web
The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46038	Web	Servicemember
Violation of bankruptcy laws- Regional Finance Corp continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
12/01/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77339	Web
To Whom It May Concern : I XXXX XXXX recently made a requested to Regional finance for a debt validation for a account that is reporting on my XXXX, As a charge off account on XX/XX/2021. Regional Finance sent me back a contract on XX/XX/2021. I do not recognize the amount, account number or the address in the contract.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30088	Web
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC XXXXX	Web	Servicemember
i would like for XXXX XXXX XXXX, XXXX XXXX XXXX and regional finance to zero out my account balances with the credit bureaus. i am not reporting them or anything. i paid off my accounts with them earlier this month and i asked the credit bureaus to send them a request to zero out the balances on the credit reports
11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63043	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
04/04/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29488	Web
I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.
07/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 36869	Web	Servicemember
I obtain a personal loan from this company and to my surprise they took out a life insurance policy after documents was signed. I did not consent to this, plus I was charged 35.99 % APR. Now I have to pay all interest up front ( rule 78 ). I have tried several times to resolve the issue. I need help..
12/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 87108	Web	Servicemember
This is the company that is calling us each and everyday. Three or four times a day. Regional Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Phone : ( XXXX ) XXXX We have all ready told that we have a lawyer to help has filed for Bankruptcy. My Name is XXXX XXXX email address is XXXX XXXX
07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29673	Web
Regional Management Corp sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. Regional Management Corp is still reporting on my credit report AND is still showing a balance.
07/10/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 78729	Web
My intrest rate is now 66 %! I would have never signed up or a loan at that APR. The terms are changing on my loan without notification. Harassing phone calls. I have paid over {$1000.00} on this loan and only about {$200.00} going towards pay off. Deceptive marketing. Predatory lending.
01/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web
Regional Finance has been sending me collection notices in the amount of {$2100.00}. This collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have not have a contract with my signature.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 367XX	Web
I've discovered a billing error!! 12 CFR 1026.13. I've noticed Regional Finance reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 367XX	Web
I've discovered a billing error!! 12 CFR 1026.13. I've noticed XXXX XXXX reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77578	Web
I have a loan with REGIONAL FIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and REGIONAL FIN with no successful resolution. There was definitely an error on their part.
07/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 451XX	Web
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.
11/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	IN 46324	Web
Yes I received an installment loan in the mail for XXXX once I cash the check I was to repay back XXXX I made my payment on time for 5 months which took my balance down to XXXX. My payment are XXXX now they are charging more interest on this payment an harassing me.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
01/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76108	Web
I explained more than once that I had to have XXXX and was unable to pay in my loan. They call me 30-50 time in a row each day. I have had to block them because of repeated calls. I have asked them to stop and they continue daily, and have been contacting friends.
06/02/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 770XX	Web
Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''
04/13/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 78242	Web	Servicemember
On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
Affidavit completed and sent to company showing this account was not opened by me. No documentation from regional finance has shown that I took out the loan. Police report filed. Disputed with all 3 credit bureaus. Still not removed from my credit report.
09/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 981XX	Web
I was told to fill out forms for fraud, yet they werent fully submitted by the representative at the time. Ive re filled out the forms and re-submitted them with a notary and police report of the incident and its still reflecting on my credit report.
04/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 740XX	Web
I have received multiple calls from Regional Finance in XXXX XXXX, to my place of employment after asking them on multiple times not to contact me at my job. I had to give them a notarized cist and desist to get them to stop communication at my job.
06/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77054	Web
I took out a furniture loan with Regional Finance and at the time I had a Roomate that was helping me pay it off and now shes no longer helping and I dont have enough money but they have called me and threatened to take me to prison for not paying.
06/02/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76513	Web
This company harasses you when your payment is due starting on the day it is due. They call on average 3 times a day. Even after speaking to someone in the office letting them know I will pay the payment they continue to call multiple times a day.
10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29406	Web
I disputed the debt online with XXXX XX/XX/2019. I checked my credit today and reported it again through XXXX. I have no acknowledgment of this debt. Ive never received any information about it. Ive never opened an account through this company.
09/18/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37918	Web
This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA XXXXX	Web
Unauthorized credit inquiry into my XXXX credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. The inquiry is unauthorized and not legal
08/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 981XX	Web
Please report your method of validation on how you are reporting a collection with a past due amount as accurate. The account was charged off and is still reporting a balance. Ive yet to receive a 1099-C for the supposed charge off amount.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29461	Web
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.
03/03/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	SC 29223	Web	Servicemember
On XX/XX/XXXX Regional Finance located at XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX attempted to contact me at work again, I have told them before that they can't contact me at work. This is not the first time they have called.
05/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 31907	Web
Involved with XXXX XXXX XXXX for debt consolidation and paying the company to handle all debts including the debt with Regional Finance. Regional Finance was informed of this and continues to contact my personal and work place.
02/25/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29673	Web
I couldn't afford the amount that I was owning on both of the vehicles that I was owning on ate the time because of my income has changed but now my income has been now I would love you get everything straightened out thank you
01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89032	Web
Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
03/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28027	Web	Older American
Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. I have tried, over several months, and several complaints, to have it removed, all in vain.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
09/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28806	Web
Company calls excessively, calls others not listed on loan ( listed as " references '' ), charges usury level interest, filed loan application using fraudulent information ( claimed assets that are non-existent ).
12/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75007	Web
I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded
12/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28211	Web
Yes the company is coming to my home leaving mail stating field visits to me. To collect I find this to be harassment and unorthodox and scary.Also they call all the time constantlety through out my work day
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 352XX	Web
XXXX is reporting a charge off account on my consumer report and it a fraud account. I have already sent a police report to XXXX to let them know that it is fraudulent from the company regional finance llc
06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	AL 360XX	Web
I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX cra violation inaccurate information sent my police report what else do they want
08/17/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 981XX	Web
A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. This account is closed yet accumulated interest daily since the closed date.
03/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30134	Web
REGIONAL FINANCE is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
09/13/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 765XX	Web	Servicemember
I have already spoken with them and made arrangements to make my payment and they called me today 3. Times back to back. Also told them to not contact my at my job and they keep calling there too
11/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
02/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77657	Web
Even if I am a day late on my payment, they begin calling. Typically call my cell 3-5 times in a row. Then begin calling each reference. Threatened to sue me after being 5 days late last month.
11/20/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78586	Web
Regional Finance continues to contact my personal phone and my work after being told I have no knowledge of this debt and to stop calling. A letter was also sent to them to cease and desist
06/19/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX XXXXX	Web	Servicemember
XXXXXXXX XXXX XXXX I opened an account in XXXX XXXX closed XXXX account in XX/XX/XXXX. I have no knowledge of this loan. I either want physical proof or it removed from my credit bureaus.
04/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77901	Web
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/15/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28403	Web
I have dealt with many companies during this time of unemployment and the virus. This company only offered more dept no delay in payments. Were very rude. Will never deal with them again.
07/01/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	OH 44143	Web	Servicemember
this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29440	Web
Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency
03/21/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29550	Web
Already been to branch about my hardship time n decreased job took on and explained that I cant make payments because Im now over budget now agency stated their nothing they can do.
02/23/2019	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	SC 29640	Web
Called one of the references on my loan account at XXXX XXXX central time. And left message regarding my debt. Regional Finance from XXXX, XXXX calling a reference in XXXX, XXXX.
06/24/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 77539	Web
I am struggling to make my payments due to being overwhelmed with finances. The company calls up to 10 times a day, harassing me at this point and I don't know what else to do..
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 290XX	Web
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
12/21/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 778XX	Web
threatens says they will keep calling to call my family about my debt and threatens to keep calling my job.call sometimes 3 times a day.keeps calling when i tell them to stop.
09/17/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 350XX	Web
Calling my work numerous times asking personal questions. Asked my hire date! Calls at least 3 times a week. Her name is XXXX XXXX, she is not the only one calling now ...
11/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	OK 74066	Web
The main issue is they are calling my family and friends and disclosing what I owe and how much I am behind on. They are giving information that supposed to be illegal.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28212	Web
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
11/20/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 77511	Web
XX/XX/2019, They are making calls to my job and harnessing me when I tell them to not call they stated that don't care and that they will continue to call anyways.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30309	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29440	Web
debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification
10/31/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 365XX	Web
They keep calling my phone because my brother used me as a reference. I told them before this is not his number and to stop calling but the calls continue.
12/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	SC 290XX	Web	Servicemember
you are not reporting the correct information to the consumer reporting agency i have giving you the correct information, but you fail to make the change.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35404	Web
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23139	Web
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15210	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
12/02/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 37918	Web
I still have an account showing on my credit report who was included in my bankruptcy. I still also received treated phone calls regarding this debt.
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	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.
06/06/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	SC 295XX	Web
THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.
04/18/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	WI 530XX	Web
Regional Finance sent me a loan in the mail. They failed to inform me of my right to rescission pursuant to 15 USC 1635 ( a ).
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35404	Web
I just looked at my Credit Report and Regionsl Finance is reporting on Credit Report for a total of XXXX. This account is old
08/31/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78541	Web
This company has contacted a 3rd party and revealed personal information to said 3rd party breaking federal privacy policies.
10/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 75154	Web
The regional finance in XXXX Texas and the person worked there at that time hit my daughter with door this was year 's ago
04/02/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 30102	Web
regional XXXX XXXX refuses to provide me with a statement of my account so that i can determine what my payoff amount is.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NC 27704	Web
I paid off this bill with regional financial and they have yet to remove account off my greater or report it as paid off
05/22/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 75243	Web
On XXXX XXXX I witness negative information on my credit report about a loan I never applied for from Regions Financial
01/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76179	Web
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX ACCOUNT IS STILL REFLECTING OPEN AND COLLECTION ATTEMPTS MADE
01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30043	Web
Regional finance reported I was late/missed payment for XX/XX/2021 when the account has been paid in full and closed.
11/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 296XX	Web	Servicemember
Predatory lending. Contract states 39 % but charged 71 %. Have paid back full amount won't negotiate interest pay off
07/12/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53215	Web
XX/XX/2022 Contacted my mother. My mother is not authorized on my account. Told her I had a debt. Very stressing!
10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76063	Web
this account has been disputed and removed once for errors and it keeps showing up on my reports.
03/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28390	Web
XX/XX/2023 I received XXXX And they have me as I borrowed XXXX. Not right im on a fix income
10/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	SC 295XX	Web
Regional finance contacted XXXX of my listed references and discusses how much I was behind.
07/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 751XX	Web	Servicemember
It shows that this is an unsecured loan. I have never applied for a loan with the company.
04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
Notified company that the information being reported is not accurate and should be removed
04/05/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78148	Web
keep calling us, even i stated we are XXXX XXXX and demand the other side stop calling
01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77038	Web
ON XX/XX/2021 XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION PLEASE REMOVE THIS INQUIRY
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
loan company illegally ran my credit for a consumer loan that i did not authorize
05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 393XX	Web
Regional Finance will not answer my questions or attempt to resolve my concerns.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92404	Web
XX/XX/23 contacted company I was informed to handle through dispute resolution
06/20/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29532	Web
Regional finance keep calling my job without my permission and harassing me
11/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 981XX	Web
Regional Finance failed to recognize and terminate the fraudulent account.
01/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 352XX	Web
Regional finance charge too much money for the small loan I received
02/07/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OK 741XX	Web
Cant afford to pay loan back loan was supposed to help for bills
07/18/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	AL 364XX	Web
XXXX XXXX XXXX some one been using my information fraudulently
05/12/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OH 45371	Web
Calls at least XXXX 5 times daily.
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29016	Web

01/31/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	MO 64154	Web

01/29/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39773	Web

01/22/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	VA 23225	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36109	Web

01/15/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	VA 23455	Web	Servicemember

01/12/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NM 874XX	Web	Servicemember

01/11/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	SC 29672	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73120	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23233	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30134	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

12/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 787XX	Web

12/20/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29203	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	VA 23223	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35405	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	TN 38305	Web

11/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	OK 74426	Phone	Older American

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28348	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web	Servicemember

11/07/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	NC 28052	Web

10/28/2023	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 77346	Web	Servicemember

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89147	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77388	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78108	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38305	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93551	Web

10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

10/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27604	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77007	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27616	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91710	Web

09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	TX 77598	Web

09/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	SC 29115	Web	Servicemember

09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	GA 30253	Phone

09/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	NC 27330	Web

08/31/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WI 53224	Web

08/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 27045	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38105	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AL 35405	Web

08/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 78245	Web

08/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38127	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29204	Web

07/22/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OK 73112	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89032	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32505	Web

07/18/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 78245	Web

07/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77016	Phone

07/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28202	Web

07/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OK 73013	Web

07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29301	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web

06/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77598	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73179	Web	Servicemember

06/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73013	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30086	Web

06/08/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NC 27408	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75075	Web

05/31/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38464	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28337	Phone	Servicemember

04/29/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 36605	Web

04/29/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 47201	Web	Servicemember

04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76137	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web

04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 79912	Phone

04/14/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78754	Web	Older American

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77807	Web

03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27229	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36093	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36693	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38362	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29625	Web

03/08/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 23462	Phone	Servicemember

02/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78660	Web

02/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	NC 27409	Postal mail

02/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TX 78542	Phone	Older American, Servicemember

01/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28216	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29073	Web

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

01/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29016	Web	Servicemember

12/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 78741	Web	Servicemember

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13057	Web	Servicemember

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28202	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76039	Web

11/16/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27703	Web

11/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28277	Web	Older American

11/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	NC 27330	Web

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77004	Web

10/20/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OK 73013	Web

10/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 27703	Web

10/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 35127	Web

10/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89032	Web

10/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AL 35127	Web

10/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33134	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35014	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35014	Web

09/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75766	Referral

09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28398	Web

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

09/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX 75203	Web

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

09/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35127	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28390	Web

09/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79762	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78717	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78717	Web

09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23860	Web

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77493	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60089	Web

08/27/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77591	Web

08/26/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30461	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 28216	Web

08/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 75251	Web

08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33134	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30328	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30331	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29673	Web

07/08/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MI 48021	Web

07/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 28216	Web

07/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	OK 73012	Web

06/27/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 79936	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77406	Web

06/10/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29605	Web

06/07/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29605	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29611	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33134	Web

05/24/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75050	Web

05/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79915	Web

05/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36544	Web

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

05/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77092	Phone

05/02/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75241	Web

04/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77491	Web	Servicemember

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30329	Web

04/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75024	Web

04/05/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78249	Phone	Older American, Servicemember

04/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78727	Web

03/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53225	Web

03/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36081	Web

03/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 36526	Web

03/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78741	Web	Servicemember

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36867	Web

02/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 46368	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36081	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77082	Web

01/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76543	Web

01/19/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web

01/13/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web

12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web

12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34983	Web

12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30188	Web

12/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Phone

12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27101	Web

12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77092	Web

12/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77051	Web

12/07/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 75154	Web

12/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48184	Web

12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77453	Web

12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11236	Web

12/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44137	Web

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web

11/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43201	Web

11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OK 73110	Web

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77089	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28217	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27529	Web

10/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28211	Web

10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30906	Web	Servicemember

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35226	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78237	Web

08/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78237	Web

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75039	Web

08/18/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78753	Web

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

08/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77028	Web

08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28358	Web

08/04/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web

08/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75006	Phone	Older American

07/28/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75087	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77042	Web

06/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 36116	Web

06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30813	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77469	Web

06/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29483	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76036	Web

05/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89119	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78258	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28269	Web

05/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75033	Web

04/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NC 28269	Web

04/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38637	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63109	Web

04/01/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30518	Phone

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15215	Web

03/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73071	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77059	Web

02/04/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 79423	Web

02/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28208	Web

01/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75071	Web

01/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21206	Web

12/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93535	Web

12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35160	Web

11/30/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30044	Referral

11/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29456	Web

11/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29456	Web

10/30/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77083	Web

10/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29039	Web

10/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TN 38134	Phone

09/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77450	Web

09/15/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30096	Web

09/14/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75025	Web	Servicemember

09/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73012	Web

08/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else		Phone

08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73108	Phone

08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23059	Referral

08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75104	Web

08/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 53211	Postal mail	Older American

08/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79605	Web

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27377	Web

07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29153	Web

07/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29692	Web	Older American

06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76548	Web

05/28/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35405	Fax

05/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

04/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31406	Web

02/26/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28360	Phone

02/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27565	Web

01/16/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 29341	Phone	Older American

12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77479	Web

12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36695	Web

11/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29456	Phone	Servicemember

11/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29203	Web

11/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28214	Web

11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75033	Web

10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29045	Web

10/29/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Postal mail

10/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77388	Web

09/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63125	Phone

09/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

08/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 78521	Web

08/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 35214	Web

07/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78207	Referral

07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23701	Web

07/24/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78227	Web

07/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28114	Phone

07/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 75703	Phone

07/02/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35010	Phone	Older American

06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74134	Web

05/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77058	Web	Servicemember

05/09/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77057	Web

04/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 38340	Web

04/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 36575	Web

04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76120	Web

04/04/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77396	Referral

03/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77051	Web

03/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM 88352	Web	Servicemember

03/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36769	Phone

01/31/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 73703	Phone

01/23/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 32901	Phone

01/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28016	Web

12/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77516	Phone

12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22554	Web

10/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78130	Web

09/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77098	Web

08/01/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt		Phone

07/31/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 23072	Referral

07/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76137	Web

07/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73165	Web

07/06/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt		Phone

07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77067	Web

07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web

06/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35989	Web

06/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft		Phone

06/04/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29461	Phone	Servicemember

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29568	Postal mail

03/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

03/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

03/17/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 76009	Web

03/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed		Phone

03/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29566	Postal mail

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27705	Web

02/24/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30102	Web

02/14/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 29801	Web

01/31/2018	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29018	Web	Servicemember

01/26/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29906	Web	Servicemember

01/08/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29209	Web

12/27/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

12/19/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Referral

11/28/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AL 35004	Web	Older American

10/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

10/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27355	Web

10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75904	Web

10/16/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28262	Web	Servicemember

10/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	AL 35211	Web

10/06/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 27616	Web

09/21/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78596	Web

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77028	Web

08/01/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

07/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28054	Web

07/10/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77083	Web

06/19/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78735	Web

05/22/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77098	Web

05/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33416	Web

05/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77098	Web

03/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	AL 36265	Web

03/17/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22405	Web	Older American

03/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28269	Referral

02/02/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29153	Web

12/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27704	Web

12/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75087	Web

11/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29650	Phone

11/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87420	Web

11/02/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 87420	Web

09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NC 28278	Web

08/25/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	GA 30309	Web

08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79762	Phone

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29809	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78070	Web

07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78230	Web

07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29010	Web

05/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78586	Phone

05/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36618	Web

05/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29710	Phone

05/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75216	Web

05/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29483	Web

04/11/2016	Yes	Payday loan	Received a loan I didn't apply for	TX 77338	Web

04/04/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75077	Web

03/24/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 79905	Web

03/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28056	Web

03/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73012	Web

02/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28025	Web

02/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 351XX	Web	Servicemember

01/27/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NM 87144	Referral

01/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28206	Web

12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 31905	Web	Servicemember

12/22/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	SC 29123	Web

12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NM 87111	Web	Servicemember

12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75228	Web

11/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73142	Web

11/24/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27105	Web

11/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28227	Web

11/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29501	Web	Older American

10/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35490	Web

10/20/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	SC 29449	Web

10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 28027	Web

09/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78228	Web

09/09/2015	Yes	Payday loan	Received a loan I didn't apply for	NC 27408	Web

08/07/2015	Yes	Consumer Loan Title loan	Can't contact lender	NC 28562	Web

07/06/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	SC 29801	Phone

06/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27263	Phone	Servicemember

05/26/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79925	Phone

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	SC 29574	Phone

05/11/2015	Yes	Payday loan	Received a loan I didn't apply for	SC 29115	Web

04/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29681	Web

03/26/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78237	Web

03/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75231	Web	Older American

03/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37922	Web	Servicemember

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

02/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 37931	Web	Servicemember

02/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60423	Web

02/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87008	Web	Older American

01/30/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	TX 78109	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	SC 29388	Web

01/26/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	OK 74701	Web

01/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29303	Web

01/20/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	SC 29418	Web

01/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77705	Web

01/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36877	Web

01/07/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	NM 87042	Web

01/05/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77546	Web	Older American

12/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NC 28203	Web

12/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 88001	Web

12/06/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29649	Web

12/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78332	Web

12/05/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76502	Web

12/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37363	Web

11/18/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	SC 29138	Web	Servicemember

10/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 22204	Web

10/27/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28732	Web

10/16/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73160	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	SC 29038	Web

10/16/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OK 73160	Web

09/26/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	SC 29574	Phone

09/03/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76112	Phone	Older American

08/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35214	Web

08/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 77086	Web

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OK 74019	Web

08/14/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28027	Web

08/11/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TN 37323	Web	Servicemember

08/04/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30909	Web

07/21/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29607	Web	Servicemember

07/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78056	Web	Older American

07/11/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	SC 29466	Web

07/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78240	Web

07/07/2014	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	SC 29649	Web

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28348	Web

06/21/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78207	Web

06/06/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 79912	Web

05/22/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29644	Web

05/15/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29644	Web

05/13/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 75042	Web

04/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NC 27615	Web	Servicemember

04/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NM 87108	Web

03/19/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 74011	Web

02/13/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	XXXXX	Web	Servicemember

02/11/2014	No	Consumer Loan Personal line of credit	Managing the line of credit	TX 77449	Web	Older American

02/09/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37072	Web

01/28/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 78239	Web

01/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77511	Web

01/23/2014	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	NM 87144	Web	Servicemember

01/10/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76021	Web	Servicemember

01/10/2014	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78249	Web

12/27/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78725	Web

12/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75181	Referral

12/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

12/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

11/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 76712	Web

11/25/2013	No	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28791	Phone	Older American

11/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75010	Web

11/14/2013	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75052	Web	Servicemember

10/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	OK 74011	Web

10/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 28306	Postal mail

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	AL 35208	Web

07/31/2013	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	NC 28214	Postal mail

07/18/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77449	Referral

07/09/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28282	Phone	Older American

05/08/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78233	Phone

09/06/2012	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27041	Web	Servicemember