SECURITY FINANCE CORP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30132	Web
Security Finance alleges I owe a debt to them which can not be validated as accurate and they are furnishing deceptive information to XXXX to damage my character. Security Finance received a letter of credit from me to fund this credit sale between them and I. Security Finance is profiting from this sale of my credit and the proceeds are due to me immediately. 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev \| next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev \| next XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev \| next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
01/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
Dear Sir or Madam, 1. MAVERICK FIN Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with MAVERICK FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
01/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
Dear Sir or Madam, 1. SECURITY FIN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with SECURITY FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75126	Web
Dear Sir or Madam, XXXX. SECURITY FIN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX also 90 days late on XX/XX/XXXX and XX/XX/XXXX lastly 120 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with SECURITY FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OK 741XX	Web
Dear Sir or Madam, 1. MAVERICK FIN Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX as well 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX lastly 90 days late on this account in XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with MAVERICK FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76209	Web
Dear Sir or Madam, 1. SECURITY FIN Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX also 90 days late on XX/XX/XXXX. I immediately disputed this information with SECURITY FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
09/22/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX XXXXX	Web
I am publishing what lending companies like Security Finance do to their debtors when debtors like myself need to file for chapter XXXX bankruptcy..In the month of XX/XX/XXXX I contacted all of my creditors to inform them of my intent to file a chapter XXXX bankruptcy and I asked all of my creditors to stop calling me ... As evidence that I did this I attach an email from XXXX XXXX a paralegal at XXXX XXXX XXXX who instructed me to save my money and pay their fee all at once and to have my creditors call XXXXXXXX XXXX XXXXXXXX because they will get my creditors to stop calling me ... What unfolded next was a nightmare ... My I did what XXXX XXXX told me to do and my creditors did call XXXXXXXX XXXX XXXX who told them that they did not represent me ... This placed me in a very awkward position with my borrowers and I looked like a horses XXXX a village XXXX ... I was very hurt and upset by what XXXX XXXX did XXXXo me which was not professional at all..Further to this in one of my personal meetings with XXXX XXXX - XXXX XXXX told me that she works for XXXX either as a volunteer or an employee ... XXXX stands for XXXX XXXX XXXX XXXX a place I called when I needed to talk as I was processing new information from past trauma ... When XXXX XXXX told me at an appointment at XXXXXXXX XXXX XXXXXXXX that she fielded some of my phone calls to XXXX 's call line ... I felt violated I felt XXXX all over again and I was appalled and gobsmacked that XXXX XXXX said this to me ... Then XXXX XXXX proceeded to undermine me in a vary nasty way by telling me to have my creditors call XXXX XXXX XXXX only to be told that XXXXXXXX XXXX XXXXXXXX does not represent me ... This brought on a barrage of phone calls for months on end many times a day from my creditors this call log of 37 voicemails is just for one creditor and does not include the phone calls I answered ... All of this interfered with my ability to work and to function ... This behavior by XXXX XXXX set me up to fail and added to my duress and stress ... I got sick from the XXXX so sick that I have to use XXXX XXXX for XXXX on my scalp and use cream for XXXX on my eyelid as my body is shutting down from the XXXX ... I am XXXX from XXXX and if I do not take it easy I could drop XXXX from a XXXX XXXX in less than six months ... I am doing what my doctor tells me to do ... I am taking a medicine for XXXX XXXX and for XXXX ... I did try to tell XXXX XXXX XXXXXXXX what XXXX XXXX did to me ... Instead of giving me a voice at all in the month of XXXX I received a letter from XXXX XXXX claiming that since I could not be reasonable that XXXXXXXX XXXX XXXXXXXX no longer represents me ... I present this letter because it is evidence that XXXXXXXX XXXX XXXXXXXX did represent me in XXXX but failed me as their new client ... Because I never made a payment per XXXX XXXX 's instructions this law firm was not legally obliged to represent me ... I put to Security Finance the following ... Due to misconduct on the part of XXXX XXXX who did an obstruction of Justice by failing to give me sound advice ... I was set up by XXXX XXXX to be abused by creditors like Security Finance who refused to listen to my repeated requests to cease and desist these harassing and excessive phone calls ... I also submit an email I sent to XXXX XXXX XXXX in the month of XXXX an email XXXX XXXX asked me to email her a copy of ... I present this because XXXX XXXX acted like she would help me but instead turned on me like a pit viper ... I ask that this matter be investigated because what was done to me was horrible and wrong ... Below my signature please find details about my Security Finance loan and the call log for voice mails alone that does not include calls that I answered from creditors like this one ... What I experienced was a bloody nightmare XXXX on earth and I do not want to see others suffer the way I did ... Respectfully Submitted by Ms. XXXX XXXX XXXX Security Finance Co. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
11/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
I am utilizing CFPB as a credible agency to provide evidence in an ongoing complaint I have with XXXX XXXX XXXX. This is my formal notice of intent to sue for compensatory damages. This company has maliciously reported false information on my credit report, they have ignored my written documentation stating this account was fraud and they have repeatedly supplied false information to a government agency ( CFPB ). I wanted to establish a clear and irrefutable trail of documentation to show this companys repeated violation of my rights. This companys continued false reporting on my credit report has impacted my ability to purchase a home and has caused an increase in interest rates thereby causing undue and unjust hardship. The details are as follows. This company purchased an account from Security Finance XX/XX/XXXX with my maiden name detailed. Without prior correspondence or communication, this company immediately reported this account on my credit bureaus the same month of purchase and falsified information received from Security Finance to negatively impact my credit report. This company violated my rights. They failed to notify me of the account thereby forfeiting my right to dispute its validity. Due to this unjust and illegal practice, my pre-approval loan to purchase a home was impacted. This company blatantly ignored correspondence sent directly to its company from me advising the account they were reporting was fraud and also the details of the account ( furnished to them by Security Finance Corporation ) were not being reported correctly to the credit bureaus. This company falsified the charge off date given to them by Security Finance and reported to the credit bureaus as charged off as of XX/XX/XXXX. This company maliciously re-aged the debt. This company also reported a current balance on a charged off account as well. I contacted this company to verify the information they had on file and indeed, they did have what Security Finance Corporation provided to them however due to malicious collection practices this company falsified the information to the credit bureaus and re-aged the debt along with reporting a current balance on a charged off account. The Information Security Finance Corporation provided to XXXX XXXX XXXX is as follows. Opened on XX/XX/XXXX Defaulted XX/XX/XXXX. Charged off {$2000.00} opened {$0.00} balance I contacted XXXX XXXX XXXX to verify the information they have on file and a representative confirmed the information above. CFPB Records will show how the company reported knowingly reported false information to the credit bureau. The Information XXXX XXXX is reporting XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Loan Amount : {$1300.00} Past Due Amount : {$1800.00} Status : Charge Off XX/XX/XXXX XXXX : Account Number XXXX Balance {$1300.00} Past Due {$1800.00} Date Closed XX/XX/XXXX Pay Status : charge off Date Updated : XX/XX/XXXX Date Opened XX/XX/XXXX This company responded to a government agency 3x stating false information. This company violated the FCRA and this company violated my consumer rights under the FCRA. The FCRA requires that those furnishing information to credit reporting agencies ( CRAs ) provide information that is accurate and complete. Furnishers also should prevent re-aging of debt, whereby they report the date of first delinquency as a later date than it actually is. They should be particularly careful in circumstances involving mergers, when a portfolio is acquired or sold, or in other situations where debt is transferred. The Federal Trade Commission, the Consumer Financial Protection Bureau and banking agencies also have rules for so-called furnishers. If any agency that furnishes information to credit reporting bureaus provides inaccurate information on your date of first delinquency, it could face monetary penalties. This company re-aged a debt on purpose and repeatedly reported the false information after receiving disputes from myself. This company responded to the CFPB 3 times with falsified information regarding the account. There are 3 documented occurrences from this that will be used as evidence. I contacted the original owner of the account ( Security Finance Corporation ) and advised them, the account they sold was from fraudulent activity and they are actively investigating it as there is also an open case with CFPB. At the same time I opened the same dispute with XXXX XXXX XXXX and they failed to notify the credit bureaus and failed to investigate, instead they responded to through CFPB as if the account was accurate even though the original owner is actively investigating. This will also be used as evidence. I would like the CFPB to open a deeper investigation into the practices of this company as they are clearly violating consumer rights. This documentation will be used to show the ongoing violations XXXX XXXX XXXX has committed and I will be seeking compensatory damages due to this. XXXX XXXX XXXX this is my formal notice of intent to sue.
04/29/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 321XX	Web
they somehow recently bought a debt that isn't owed. I had a car in XX/XX/XXXXand was sold by the bank. they said I dont owe anything. Security finance just popped on my credit as negative after 4 years .... Security Finance is a consumer finance company based in South Carolina. Security Finance has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of debts. If you have been contacted by Security Finance, understand your rights before responding. According to the XXXX XXXX XXXX ( XXXX ), Security Finance is part of XXXX XXXX XXXX XXXX. Originally founded in XX/XX/XXXX, XXXX XXXX was incorporated in XX/XX/XXXX, and the XXXX opened its file in XX/XX/XXXX. In addition to Security Finance, XXXX XXXX uses over 20 alternate business names, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several more. The XXXX lists over XXXX different phone numbers for XXXX XXXX XXXX XXXX and its affiliates. XXXX has 9 separate listings for companies associated with Security Finance, all listed at two addresses in XXXX, SC : XXXX XXXX XXXX, XXXX ; Security Finance of Oklahoma , LLC ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX of XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Together, XXXX estimates an annual revenue of over {$630.00} XXXX and a staff of over 250 people. According to its website, Security is licensed to offer traditional installment loans, which vary in amount and terms and available ancillary products based on the state of operation and the type of license obtained within that state. Security advertises loan services in Alabama, Georgia, Idaho, Illinois, Louisiana, Missouri, New Mexico, Nevada, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Minimum loan amounts range from {$250.00} to {$350.00} ; maximum amounts range from {$1000.00} to {$2000.00}. The XXXX has closed 210 consumer complaints against XXXX XXXX in the past three years, with 87 closed in the past 12 months. Most of these complaints allege problems with billing and collections, with a large number also alleging problems with customer service. An accredited business with the XXXX, XXXX XXXX has been given an A+ rating. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has closed 58 complaints against Security. XXXX lists at least 13 cases of civil litigation involving the XXXX XXXX of companies. In XX/XX/XXXX, in The Supreme Court of the State of Oklahoma, a judge issued a decision regarding a suit filed against XXXX XXXX alleging fraud, breach of fiduciary duty, breach of the duty of good faith, and other claims. In this case, the plaintiff, who can not read, acts as though he can, and is noticeably XXXX XXXX XXXXXXXX, was represented by a guardian at an appeal hearing in which XXXX XXXX had filed objections to the jurys findings in favor of the plaintiff in the original case. In the original case, XXXX XXXX was charged with ( 1 ) fraud, deceit, and misrepresentation, ( 2 ) breach of fiduciary duty, and ( 3 ) breach of implied covenant of good faith and fair dealing. These charges resulted from actions of XXXX XXXX that included, between XX/XX/XXXX and XX/XX/XXXX lending money to the plaintiff who at the time was not under a guardianship [ was living ] independently in an apartment, and [ whose ] only income was a monthly social security XXXX check of {$500.00} to {$600.00}. XXXX XXXX representatives testified that they encouraged their customers to renew their loans every two months [ and that their ] policy was for employees to tell their customers the benefits of renewing loans without telling them the costs associated with the renewal. Then before the customer signed the loan agreement, an employee reviewed the loan renewal terms, including the costs and interest. The defendants referred to this as selling the renewal. At times a customer would request a renewal without an employees selling it. Loan renewals account for a significant portion of Securitys income. The Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language ; harassment ; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act ( TCPA ) and the Consumer Financial Protection Act ( CFPA ). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
11/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 61032	Web	Older American
I sent the letter below asking that the company give me a written response. A company representative, XXXX XXXX called. We discussed somethings, I do n't completely recall all that we discussed. In the course of the discussion, I asked her if she had the letter from I 'd sent to the company. She said, no. I said it was not fair to her since she did not have the letter, and I asked her if she could get the letter so that we could have a complete conversation about the issues raised in the letter. She said she would. I do n't remember the date she called, but I 'm guessing it must have been about 2 months ago. I am writing this letter so that you can assist me because : a. I have not received a written response with explanations. b. The company has sent me three cards inviting me to make another loan. c. Before I make another loan I like to settle the matters addressed in my letter. d. The holidays are coming up and I 'd like to make another loan but will not do so until these matters are satisfactorily settled. e. I do n't want the same mistakes to occur or be subjected to the same treatment in a future loan. XX/XX/XXXX Re : Early Payoff of Loan and Interest Payment Savings or Refund Fm : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Il XXXX To : President XXXX XXXX XXXX Security Finance XXXX. XXXX XXXX XXXX XXXX, SC XXXX Dear : Mr. President When I went to Security Financial store in XXXX, Illinois, on XX/XX/XXXX, I intended to pay {$260.00} on my loan on that day and payoff the balance of the loan in XX/XX/XXXX. I stated those intentions to XXXX XXXX and XXXX XXXX and asked about any interest saving I would make due to the early payoff. XXXX XXXX and XXXX XXXX conversed amongst themselves and decided that I should break up the last two payments into two equal payments of {$230.00}, but they could not figure out a clear answer to my question on the interest savings. So, I promised to follow their suggestion and rather than pay {$260.00}, I promised to pay {$230.00} on XX/XX/XXXX, and promised to pay off the loan with {$230.00} when I made a final payment in XX/XX/XXXX. I was under the impression that the difference between the balance of {$290.00} and the final payment of {$230.00} as recommended by XXXX XXXX and XXXX XXXX was the savings from the 99 day early payoff which was more than 3 months or 1/4 of the time remaining before the loan was due to be paid off. On XX/XX/XXXX, after withdrawing {$240.00} from my bank account, I went to the Security Finance store in XXXX to pay my final bill. I presented the {$240.00} to XXXX XXXX, but she stated the final payment was {$260.00}. I reminded her that I was told to split the final two payments up into {$230.00}. But she ignored the reminder, never gave an answer or explanation for the change, and re-announced that the payment was {$260.00}. I looked to XXXX XXXX and she came over to XXXX XXXX 's desk and the two of them conversed and did something on XXXX XXXX 's computer. XXXX XXXX like XXXX XXXX announced that the final payment would be {$260.00}. Also, she like XXXX XXXX completely ignored my reminder about the {$230.00} final payment, she said nothing about it, she gave no explanation as to why the change, and she confirmed a final payment of {$260.00}. The whole thing seemed bizzarre and coordinated because they acted with very similar ways inconsistent with what they 'd said on XX/XX/XXXX. They both ignored my reminder of what they 'd said at the XX/XX/XXXX payment ; they both acted as if they had complete amnesia ; and they both never mentioned a word about the {$230.00} final payment - not a word. I wondered why they both caused me to lose a portion of the saving I 'd have attained by paying {$230.00}. However, I could do nothing but pay off the loan and appeal their decisions later which is what I 'm now doing. Anyway, XXXX XXXX and XXXX XXXX inconvenienced me by having me return to the bank and withdraw additional funds to cover the {$260.00} because they had given me other information on XXXX XXXX, XXXX. Additionally, insult was added to injury when upon my return it was announced in a scary, ominous voice, " heez back! ". Please respond in writing so that I may have a written record of your response. Here are solutions I purpose to my complaints : - Require XXXX XXXX and XXXX XXXX to answer whether or not they said on XX/XX/XXXX, that I should break the last two payments up into {$230.00} each. - Did they make a mistake or deliberately do something wrong? - Did they overcharged me by changing the final payment to {$260.00} rather than {$230.00}? - If so, am I entitled to a refund? - I paid off the loan 99 days early, more than 1/4 of the time was left before the final payment was due. - So, am I entitled to a greater savings or interest refund than indicated by the final payment of {$260.00}? Thank You, XXXX XXXX XXXX
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web
Security Finance and XXXX continue to report inaccurate information onto my consumer report. The account has not been properly validated as belonging to me. The letter of credit Security Finance is using to make profits belongs to me and the proceeds from the sale should be returned to me in the event the consumer credit line is terminated. Security Finance has charged this account off and XXXX is the ONLY reporting agency that is reporting this account. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev \| next 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( 64 ) " Proceeds '', except as used in Section 9-609 ( b ), means the following property : ( A ) whatever is acquired upon the sale, lease, license, exchange, or other disposition of collateral ; ( B ) whatever is collected on, or distributed on account of, collateral; ( C ) rights arising out of collateral ; ( D ) to the extent of the value of collateral, claims arising out of the loss, nonconformity, or interference with the use of, defects or infringement of rights in, or damage to, the collateral ; or ( E ) to the extent of the value of collateral and to the extent payable to the debtor or the secured party, insurance payable by reason of the loss or nonconformity of, defects or infringement of rights in, or damage to, the collateral. ( 51 ) " Letter-of-credit right '' means a right to payment or performance under a letter of credit, whether or not the beneficiary has demanded or is at the time entitled to demand payment or performance. The term does not include the right of a beneficiary to demand payment or performance under a letter of credit.
08/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 310XX	Web
Professional Financial Services is in violation of the Dodds Frank Act UDAAP section 1031 and 1036 The False Claim Act 31 U.SC 3729-3733 violation of the The Fair Credit Reporting Act Section 5 of The Federal Trade Commission 15 U.S.C 45 violation of the Truth In Lending Act and The Fair Debt Collections Act A freedom of request was sent to Professional Financial Services on XX/XX/2022 certified mail return receipt and I also sent a Cease and Desist letter requesting they cease and desist all communication and harassment of taking my property until they validate the the debt provide the original creditor and I also filed a complaint with the consumer financial protection bureau Its been past 30 days they have failed to produce the freedom of information request and failed to produce an affidavit certifying that they affirm activities with my account or the right to enforce the debt were within the bounds of state, federal, contractual, and commercial statutory obligations and oath of records that they are bound to provide by failing to provide such certification the fiduciary Professional Financial Services all agents have shown bad faith and dishonor and also default in their lawful duty of record to legally verify the alleged claim as required by law and as stated specifically in their oaths of office which obligate them to follow the laws mentioned within those oaths and applicable laws Professional Financial Services failed to produce my original signature in respect to the alleged claim/contract failed to state for the record who the alleged original claimant was based on preceding law failed to certify from my conditional acceptance my signature did not pay of loan in closing failed to provide an affidavit certifying that as fiduciary for the institution they did not breach any federal, state, contractual, commercial or official oath in carrying out the alleged contract/claim. Alleged Claimant failed to certify that they did not unlawfully without my consent use my signature to provide to gain assests from a third party then unlawfully made a claim against me and they failed to substantiate for the record they did not commit any action that would preclude that they used my identity in a fraudulent or illegal manner or converted my true identity into a fictitious identity in collusion with a third party or additional parties.Alleged Claimant was and is by law to provide this information upon request pursuant to FOIA U.S.C 5 section 552 and failed to they have received all 4 of my letters 3 affidavits and still failed to respond they repossessed my vehicle without validation of the debt pursuant to 15 U.S.C 1692 ( g ) 15 U.S.C 1692 e 15 U.S.C 1692 ( c ) this company dishonor and bad faith has caused me to loss my job And has caused me to suffer severe humiliation and embarrassment emotional distress and physical discomfort they continued to report this Alleged claim on my credit file violation of the Fair credit Reporting Act they have deprived me of my liberty and pursuit of happiness without the due process of law with their Unfair and abusive practices they violated the Truth In Lending Act they failed to clearly and conspicuously disclose my right of recession and the finance charge I have my contract to show the fraud they have committed I mailed my right of recession affidavit on XX/XX/2022 certified mail return receipt they failed to rebuttals and still have not responded to do equity it must be done with clean every contract or duty within the Uniform commercial Code must be done in good faith in its performance and enforcement UCC-1-304.This contract was made under duress lack of legal capacity Ucc-3-305and this company have failed to certify they had a right to enforce the debt or repossess my vehicle I have exercised my right of recession they have failed to respond I have giving them over 30 days to settle this matter they have failed to respond. This contract is fraudulent in violation of the false claims act defrauding the government because my social security and all obligations of indebtedness is to The United States 18 U.S.C 8 they failed to certify my signature or my negotiable instrument was not a tender of payment UCC-3-303.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 398XX	Web
Security Finance is reporting on my credit report and the accounts are old. I have contacted all 3 credit bureau for clarification. XXXX is reported that account was open on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX while XXXX is reporting that account was open on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev \| next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. ( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109,XX/XX/XXXX XX/XX/XXXX, 91 Stat. 879 ; amended Pub. L. 109351, title VIII, 802,XX/XX/XXXX, 120 Stat. XX/XX/XXXX. )
02/20/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30907	Web
Date : XX/XX/2022 XXXX XXXX XXXX XXXX CT. XXXX, GA XXXX Collection Agency Name : Security Finance XXXX XXXX XXXX. XXXX, Ga XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Security finance in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
11/28/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 28677	Web
I work for XXXX XXXX XXXX XXXX and have been working diligently to help our member, XXXX XXXX pay off XXXX XXXX XXXX for his XXXX XXXX XXXX. XXXX vehicle was recovered on Saturday, XX/XX/XXXX by XXXX XXXX XXXX, their office is located in XXXX, NC. This was due to failure to provide proof of full coverage insurance. The vehicle had full coverage, but XXXX states they did not have record of it. XXXX phone was stolen in the months preceding this incident, so they were unable to contact him by phone and he has not received any notification by mail regarding the problem. The recovering agent advised that he had the opportunity to seize the collateral on Monday, XX/XX/XXXX, but he waited to do so until the weekend. This resulted in XXXX XXXX not being able to take any action until two days later when the office was opened, and likely accruing storage fees during this time. Had the agent recovered on Monday when he stated he was to pick up, XXXX could have handled the situation same day with no delay or accrued fees. XXXX XXXX XXXX XXXX offered to pay XXXX XXXX XXXX in full in order to release collateral to our member. They were advised of severity of him being without transportation and that all we needed was the amount of payoff, as well as recovery expenses to be paid before they would release it. XXXX began calling the office on Monday at XXXX. He gave oral and written authorization for XXXX to speak with XXXX, and we have been more than compliant in every request they have made. Their office has been extremely negligent and disrespectful in trying to resolve, including hanging up on me when calling for follow-up information. I have provided every document they have requested via fax, email, and by phone. The manager, XXXX XXXX, has screened my calls on multiple occasions and has refused to be compliant despite our efforts. XXXX signed an authorization to release information to us, as well as a notarized POA, along with his DL photo, proof of insurance showing XXXX as lienholder with the lienholder address they provided to him. This business uses predatory lending to take advantage of customers who arent aware how badly they are being taken advantage of, and they have basically refused to accept payment for the balance of loan. They are not reporting to credit bureaus and continue to charge fees along with unfair interest rates that are unfair and deceptive, I am sure it is a subprime loan. There has been no evidence of good-faith business practices here, nothing short of illegal, theyve been immoral and unethical to say the least. I have requested an itemized statement as to what is owed to verify that there has not been evidence of loan churning and they have refused. Every time a document has been requested, we have complied, and then they give a different request to comply with, which again, we provided as requested. After escalating from the local branch to Customer Relations Coordinator, I received noticed that they were waiting on another bill from the towing company before they could give me the total amount owed. The tow company had already advised they had sent the bill to the office. They provided me with an additional copy nevertheless that I forwarded to XXXX. However the local office advised they could not provide payoff today, but had to wait until following day to do so. There is three hours of driving time needed for him to go to their office in XXXX and the storage facility in XXXX. Hes already made arrangements with his employer to take time off every day trying to resolve this, putting him in a tough position with employer as well. As a lender and consumer alike, I have been more than offended by the practice with this office.
03/25/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78213	Web
Received a copy of my newest XXXX Credit Report for XX/XX/2020 and remain completely dumbfounded that the report continues to show hard inquiries from companies I do not know and have never authorized a hard inquiry from these companies. I have sent written notice to the companies and XXXX several times regarding this issue. These hard inquiries do not appear on any other of my credit reports as they have been found to be unauthorized and by FCRA statutes were properly removed. Futhermore, the explanation provided to me by XXXX does not follow the FCRA guidelines in providing any evidence whatsoever from the companies. I continue to receive the same reasoning over and over again, that after a review of my dispute they determined that ... '' The data furnisher had previously previously verified the report information and a seperate communication was sent to me listing the items and providing the data furnisher 's contact information '', this is 100 % inaccurate as I have not been provided any verification or contact information from XXXX or any of the companies disputed. Even the government i.e. consumer finance.gov does not have the contact information from several of the companies and/or the companies statements that " they are not the correct company to contact '' is absurd, since the information is IN MY CREDIT REPORT! Futhermore, the XXXX response states that they will re-investigate if I PROVIDE additional documents. Again, this a complete absurdity since these are hard inquiries and the only documentation is on my XXXX CREDIT REPORT. How can I provide documents on something that I have no knowledge of. This has gone on long enough, the unauthorized information has caused severe damage to my credit scores and XXXX appears to be the only company unwilling to follow the federal law and remove the inquiries. My case is this : 1. I have disputed these unauthorized inquiries for over 30 days. 2. I have written statements to the companies as well as XXXX to remove the information 3. I have filed complaints with the government consumer finance department. 4. The other 2 major credit agencies, XXXX, XXXX and no issues with the inquiries being removed. 5. The statements from the companies that either " they are not the company to contact '' are again ridiculous considering the information is directly on the reports. The companies " follow-up '' explanation that " they are still working on it '' which is a standard response and only allows the company to further damage my credit by extending the deadline to provide proper verification '' as well as completely invalidates the original statement that " they are on the company to contact. '' How is this not an admission by omission thus cause for immediate removal. How many different excuses are companies allowed before legal action is taken! It is time for our government to contact these con-artist and file fraud charges as well as XXXX. I re-iterate, these unauthorized, invalid inquiries have caused severe damage to my credit standing, have been cited as reasons for denial of credit, they do not appear on any other credit reports. As someone who has done everything correctly as stated in the FTC guidelines and the FCRA, I am insisting that these unauthorized, fraudulent information be immediately removed and written statement from XXXX that they have been removed permanently. I have done my part, now it's time for the government, XXXX and the fraudulent companies involved to do they're part and the right thing is to permanently remove the fraudulently obtained information.
06/30/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	GA 30504	Web
On XX/XX/2015 Security Finance XXXX sent out XXXX their representatives to my home to give me a message to call the XXXX branch. The representative went to my apartment my daughter (a XXXX year old) answered the door. The representative asked for me my daughter told her that I was at work. Instead of asking for the babysitter she questions my XXXX year about where I work. My daughter told her at the office. She says ok thank you and walks away. She comes over to the office says I'm from security finance(wouldn't tell me her name). I tell her you can not harass me at my job. And that I received a letter in the mail. I will call them later. I asked her to leave my job she was on the phone with the XXXX office. She was telling the XXXX office she is the XXXX (XXXX). She had the phone on the speaker phone she kept telling me to talk to the lady on the phone. I told her to leave out the office. She left stood outside the door with the phone still on the speaker phone. She was talking very loud. Residents that were in the XXXX (located right next to the office) later told me that they could hear her saying "yes she works here what do you want me do do"? She comes back in the office while I'm on the phone trying to do my job. And tells the lady on phone "she is on the phone now I will wait here till she gets off the phone". She goes back out the office come back in by now I am so embarrassed that this is happening at my job. My personal business is being handled on company time which is a violation (so I was played on probation). I asked her several times to leave. She just kept getting louder and louder standing there with the phone on the speaker phone telling me you owe security finance you need to pay it. People outside the office could hear her and people in the back of the office could hear her. I called my boss to ask her to help me get her off the property she was not on the property and told me to call the police. That's when the lady goes and stand in the door and yells you need to call the XXXX office about your loan today. She puts her foot in the door so I couldn't close the door I had to push the door close and lock it to keep her from coming back in the office. People in the back of the office came out to see what the noise was. So running across the parking lot to my apartment and put the notice in my door. Which is what she should have did in the XXXX place. Then she speeds out the parking lot. I called the XXXX security finance office asked for the manager was asked for my name. I told the them a lady comes to the phone wouldn't tell me her name I tell her what just happened at my job. She could have cared less that I was harassed and embarrassed at my job. I told her that they are not to come back to my job or call and that they were banned from the private property. I told them to contact me through the mail. She starts defending the lady for coming to my job. Beings to yell going to sue you. I hung up the phone. I believe the lady that I spoke with on the phone was the sane lady that came to my job. I called the XXXX office and let them know also what happened. I spoke to the mgr I told her I would pay when I could u just started this job, which this incident made me look very bad. So I may loose this job. Because it was bad for this to happen XXXX
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77584	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
06/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Security Finance to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Security Finance must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Security Finance to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Security Finance. Providing that Security Finance is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
10/08/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 355XX	Web
Security Finance in XXXX Al .. I have a loan with them.. I have had the loan for almost 3 years. They have changed management a couple of times during this 3 years. They have a manager there that is awful. She calls my cell phone 6 times a day.. She will call my cell phone hang up and call my work place. She call both location about the same amount of time. On XX/XX/XXXX was my breaking point with this company. I had originally told them I would be in on XX/XX/XXXX, I never gave a specific time as to what time I would arrive. I know their business ours are from XXXX-XXXX XXXX on Friday. I work almost those same hours. I am going to provide you the times.. Please also be advised I was not working on Friday, I had taking a vacation day. I was out handle family matter with my daughter. 1st call to my cell phone was XXXX XXXX. 2nd call to my cell phone was XXXX XXXX 3rd call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX 4th call to my cell phone was XXXX XXXX 5th call to my cell was XXXX XXXX 1st call to my office phone was XXXX XXXX 2nd call was XXXX XXXX 3rd call was XXXX XXXX There were other calls made through out that day, This is the only times that showed up with a log time.. They also, have 2 numbers XXXX, or a XXXX that is registered to XXXX XXXX.. I feel like they are harassing me.. When the lady kept calling for me at my job. She was rude and demanding my cell phone number for my co workers. Due to the line of business we work in she is not allowed to give out any of my personal information. Around XXXX I asked one of my friends if she could swing by and pay Security Finance for me because they kept blowing my phone up, and calling my office a lot demanding my phone number. She did go over to pay Security Finance for me. However, when she arrived she paid and the first lady that she walked up to stated OK that she would mail the receipt to me. Then the manager of the store starting yelling at her and told her to wait a minute. She told her to tell me that I needed to handle my own business and she will not be taking any 3rd party payments from me again. My friend said she did not know what to think, so she called back and asked for the District Managers phone number, and she wanted to know who she was and why she wanted the number. She advised her because she was a customer that was just in there and she was rude and she wanted to speak with someone else. The manager told her she was not her customers and she would not give her the number. She advised she told her that's fine that she could just give them her number. She advised she would not do that either, My friend told that she was going to speak with her sup visor regardless of her help. She than started apologizing. I will be up front with you I get paid twice a month so sometimes they have to wait until I get paid in order to pay them, so it is not always on time. In the contract I do have a 10 day grace period to make my payments. My payments are never more than 15 days late.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AK 99508	Web
In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. XXXX and XXXX are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the Security Finance Corporation ' falls under the definition of a financial institution as per the mentioned title. Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither Security Finance Corporation ' nor the consumer reporting agencies ( XXXX and XXXX ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to XXXX, XXXX, or the Security Finance Corporation ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. Security Finance Corporation ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681b. XXXX and XXXX are failing to uphold these reasonable procedures. Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. Attached below are images from my consumer report containing evidence of XXXX, XXXX, and Security Finances willful noncompliance. Thank you for your attention concerning this matter!
06/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	ID 83705	Web
I recieved a letter in the mail 3 months ago and when I Opened it there was a completely legit looking check made out to me for XXXX dollars. I have never talked to this company by any means and never prequalified with them as I am not originally from this state..I honestly was broke when I recieved this check so I went to the check cashing place to see if I could cash a random piece of paper with my name on it from Maverick Finance Funny enough it got cashed. Now apparently, I am there debt XXXX for a year and never initiated this relationship in any way. Yes I 'm the dumb one to cash it but what does any poor guy do when they get a check for {$1000.00}? The is Predatory to a T. Honestly I am not good with financial decisions, so I had my address opted out before this happened. How do these people know I 'm that XXXX who will cash this? Where did they get my addres? I had been signed up for OPT out before this came..is XXXX just selling everybody 's secrets Or now if you have an impulsive personality XXXX XXXX algorithm detects this and sends this loser company a list of down and outs trying to not make stupid life decisions anymore. If this XXXX is legal that 's crazy. It is comparable to sending a junkie who has been clean for a year a little bag of XXXX in the mail. He did n't ask for that envelope to come his way, but most addicts honestly are n't throwing it away. . I need to know if this is legal for them without checking to see If I am even working or if I am even capable of paying the amount. What if I worked a min wage job? I have made a few payments and now I 'm broke every payday. I receive calls constantly and have several saved calls as they are not supposed to call me or my work. - The company name is Maverick Finance in XXXX, ID - Weird thing is I think there was a different company on the mail I received but no clue. They were not listed the same I do remember that - My Name is XXXX XXXX. I tried to pay this debt back but after thinking about how this never would of happened if not for opening some random mail ... I want to know if they really are allowed to mail me a check, then patiently wait until I, the XXXX algorithm rated XXXX cashes it? XXXX XXXX XXXX Oh yea, my phone number is a California based number, .. the first time they called the lady said she was not allowed to call California numbers but I do n't think they really give a XXXX when in comes to legality. It 's whatever and thought that was weird, I live in XXXX ID If this debt is valid and legal I will pay but I ca n't afford the monthly payment of {$130.00}. My question is how do they know my address/ my compulsive problem/ all my work info/ this is a scary form of advertising. Please let me know if I am actually obligated to pay or is this something that is not legally allowed. I know calling me is n't legal and I have all conversations Saved.
08/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 750XX	Web
In XX/XX/XXXX, I secured an installment loan with Security Finance Corporation. I have since paid the loan off, in full. However, I have spent the last 2 months working with their agents on a reasonable resolution regarding an egregious error made and reported to the credit reporting agencies by Security Finances own agents. But I can not seem to get through the red tape. No real help has been offered nor has my loan been accurately reviewed for any and all reported errors. I have done everything I can think of to resolve matters with SFCs agents but my pleas for assistance have been ignored. I have not been designated a single point of contact. Why cant anyone actually look at my information and take ownership of the erroneous information that was provided, reported and the violations made? I am now faced with a derogatory on my credit report that is injurious to my ability to progress financially in business and personally. I need your help to resolve my current crisis. In XX/XX/XXXX, I secured a n installment loan with SFCs firm. I tendered payments on time as agreed for over 6 months. However, in XX/XX/XXXX, I walked into the Security Finance Corporation in the city of XXXX to tender my payment for that month. The agent advised me that the computer system was down, but that they could take receipt of my payment and enter it into the system as soon as the system was back up and running. I was advised that my payment would NOT be considered late in lieu of the current computer circumstances that day. Once I was offered adequate assurance that my payment would be accepted and accurately accounted for I tendered the amount the agent advised was due. In XX/XX/XXXX, I was alerted to the fact that my XX/XX/XXXX payment history was furnished inaccurately by SFC to the credit reporting agencies. Apparently, the amount I was advised to tender, by SFCs agent, was {$3.00} short of the actual amount due. This egregious error by SFC and its agents lowered my credit score and my ability to obtain credit and make purchases. Next, my supervisor advised me that he received a call from SFCs agents regarding my unpaid delinquent balance of {$3.00}. This is a clear violation of the Credit Privacy Act. And SFCs agents have recently been ordered by the CFPB Consumer Financial Protection Bureau to cease and desist from said shady and unethical business practices. How is it possible that after numerous calls and correspondences Security Finances agents have not afforded me the opportunity to have my situation reviewed for a reasonable and fair resolution? My hope was that SFCs agents would take the situation caused by one of their own agents seriously enough to afford me a reasonable resolution to correct their mistake. Security Finance and its agents have not truly worked with me nor offered any relief. I need your offices help.
06/02/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30161	Web
My debt situation is here with Apex Finance here in XXXX, Ga., I do admit I 've fallen behind in payments due to a financial crisis in the last year do to lack of income and divorce proceedings. When I got the loan my soon to be ex-husband abandoned us leaving debt which I had to cover and open up utilities in my yet pay his off before doing so on limited income. Therefore leaving me no choice but to apply for hardship with Apex Finance where my payments went from {$75.00} a month to half the amount being {$37.00} to be paid on the XXXX of each month. Yesterday on XXXX an agent approached my door that afternoon to collect unannounced and said she was sent by her boss XXXX to get a payment. I live in a XXXXwhere XXXX is vacant therefore she preceded to ask if I were moving. No response. Than she said while looking back I saw the for rent sign there still no response, cause I 'm thinking why would that concern you you 're here to collect. So she told eventually she came for a payment. I said I 'll call and talk to XXXX about my situation, that was n't enough so she offered her phone so O could tak in front of her, ( harassment with no respect or privacy ). Once the cal was proceeded another agent answered, she handed me her phone she 's come to my house very unprofessional and very loud spoken where she intentionally would disturb the neighbors. In all this, the conversation she began asking where did my money go I just got this month? To go back, I 'm the overseer for my son 's XXXX okay? At that time she put her boss ( XXXX ) on the whom I already asked to speak with in the beginning.Things went sour from therefore he went unprofessional, ghetto, dominant, threats of coming to get some collateral you name it. Spoke of threatening to take my hardship away and give to someone else because he felt like I was abusing it. He said I know you have plenty because you 're divorced, and a son ( my ex have no kids together ) how do you pay your other bills?, Cable is not a necessity but I know you have it! My response '' no I do not. Then he proceeded to say, well where 's my property? If you do n't come in and pay me Friday I will personally come get it and sell it in my office! Do whatever you can to get me my money by that day! I 'm tired of sending my agents to you, it 's costing me and my company money for mileage just do what I told you! I told him he 's in my personal business, this is suppose to be strictly about business. Why are you so aggressive in speaking to me like this? He said because I told him he 's getting too personal. I then said I 'm not your child nor are you my slaverowner and do n't address me in that matter again, have a nice day. Then handed her phone back.
03/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	FL 32812	Web
On XX/XX/XXXX I reached out to the collector from XXXX XXXX XXXX in regards to my vehicle loan. I informed XXXX XXXX that the financed vehicle had been under repairs for the past 25 days due to the vehicle not starting. At that moment I had not recovered my vehicle from the dealership/shop yet. I also notified her that the initial repair costs exceeded the amount of {$800.00}. An amount close to the actual worth of the vehicle. I informed her that this vehicle was purchased at one of their dealerships on XX/XX/XXXX and I only had the vehicle for personal usage for about only 3 months before the vehicle completely broke down and could not be started. I was never offered a Warranty by XXXX within the first 90 days as advised by the seller. XXXX XXXX proceeded to tell me that the events are " too early in the agreement '' for her to offer me any options. Despite {$2000.00} plus two full payments being made on the vehicle already. She insisted several times in collecting a payment, asking me if I could make a payment the following day, after being told repeatedly that the vehicle was not under my possession and could not be driven. I assured her that the vehicle can be paid on a monthly basis as originally agreed with the exception that the damages on the vehicle are ridiculously high and the product financed ( vehicle ) can not be used for personal purposes as it is the purpose of this loan. She was also made aware that on XX/XX/XXXX an appraiser from my Auto Insurance was sent to appraise the vehicle. After this, the determination was that the vehicle was " worn out '' and " faulty ''. After one attempt of the vehicle being repaired, the vehicle was picked up on XX/XX/XXXX but failed to stay on and be driven outside the dealership. The vehicle has been identified as a risk to be driven on the road as it can shut down at any moment resulting in an accident as it happened twice before. Before our call ended, she again repeated that there were no options available at this time and threaten to damage my credit and to call back the following day with an update from the shop. However, as part of the terms and conditions of the initial agreement ( XX/XX/XXXX ) it is stated that I can ask for a deferral of the scheduled due date of all or any part of a payment. In addition, no options to change the vehicle were discussed either. I was able to pick up the vehicle later that day for a total repair costs that exceed {$1000.00} plus rental fees during the time that the vehicle was under repair ( 20 days ).
08/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37042	Web
This is the second time that I have had to question Security Finance about two payments that did not go through on my account as ( 2 ) {$80.00} payments. I spoke with the branch mgr and did not receive a satisfactory answer at the time. The first occurrence happened around XX/XX/XXXX ; however, I did not keep the bank statement in order to verify how both {$80.00} payments were initially going through but later one of the {$80.00} payments was reversed. The second occurrence happened on Friday XX/XX/XXXX. I had my husband XXXX XXXX call in to make a debit card payment from his debit card to both our accounts, and on Sat XX/XX/XXXX both {$80.00} payments were processing when I balanced and I reconciled with XXXX XXXX XXXX. ( See banking documents dated XX/XX/XXXX ) However, on Sat XX/XX/XXXX when I went to balance, I noticed only ( 1 ) {$80.00} payment actually processed ( See document dated XX/XX/XXXX ) and when I called XXXX XXXX XXXX and spoke with the Claims Dept. at XXXX, I was informed that one of the {$80.00} payments was reversed within 24 hours after processing. On the following Monday XX/XX/XXXX, I called the Corporate Office in XXXX, SC and related the incidences and the Regional Mgr called me the same day and I related the occurrences. The Regional Mgr. did not seem concerned that the {$80.00} charge had been reversed and kept assuring me that the ( 2 ) {$80.00} payments were posted to the ledger for XXXX 's and XXXX 's accounts. This is an issue because since both of us have separate accounts and I have bank statements showing one of the {$80.00} have been reversed, we have no way of knowing which account has legitimately been credited. The Merchants books and Banking records are not reconciling. At some point in time the first {$80.00} did debit my bank, but the {$80.00} paid on XX/XX/XXXX that was processing has not debited into my account at the bank. I like to balance and this is very unsettling as to what is going on with their bookkeeping! NOTE : Faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX indicating ( 2 ) {$80.00} payments processing. Also, faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX 3 of 3 sheets indicating only ( 1 ) {$80.00} payment actually processed. Faxed to XXXX. Will try to upload 1 copy dated XX/XX/XXXX because it shows 2 payments processing Will also upload 3 copies dated XX/XX/XXXX that show only 1 payment went through. The phone number associated with Security Finance on the Bank statements is XXXX
11/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76801	Web	Servicemember
In 2019 I was approved for a used car loan from PFS Auto I put {$6500.00} on a vehicle that with 24 % interest over 2 years cost me {$20000.00} when pandemic happened my wife lost her job we ended up having to move and with loss of income plus cost of relocation and fixed income we fell behind after the clutch went out and I replaced it myself I had made almost a full year of payment towards the loan at the date of XXXX. I was given no warning that the car was going to be repossessed they just showed up one day after running my credit report without authorization to see my new address I was told by the XXXX man that I was able to call and make up the late amount plus fees before the vehicle was sold that I could get the car back I informed him that I was getting my paycheck in 2 weeks and would be there on the XXXX and he said he would hold the vehicle there until then. After the tow truck leaves my house I immediately call PFS and was told that they were not going to let me make up the late payment amount and unless I could pay off the loan in full plus late fees and repo fees that the car would be sold at auction. This was absolutely heart breaking to me as this was my dream car that I put numerous upgrades towards and saved years for, {$10000.00} in payments and and nothing to show for it. Now I have a new account open on my credit report for {$610.00} the car was sold at auction but I have no idea what for as I never received anything after the repo happened just the account on my credit... I feel like the company knew the car would bring more at auction than I actually owed to them so instead of doing what was right and letting me catch up on the loan they kept my payments made then sold it for {$10000.00} or more at auction and made the extra profit. This is morally outrageous and if not illegal it should be. I am asking for PFS AUTO to do what they know is the right thing to do and return my vehicle to me since this is probably not possible then I ask that all my payments made on the vehicle plus the {$3000.00} in aftermarket parts I installed on the vehicle. Finally I want the collection account to be removed from my credit report as of now I am unable to even get approved for another loan with the repossession showing. If this is not resolved I will be filling a suit in small claims court and will seek mentioned amount plus attorney and court costs and anything else my attorney believes is owed to me.
08/24/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 382XX	Web
I, XXXX XXXX, the consumer, extended credit in a consumer credit transaction to SECURITY FINANCE on Wednesday, XX/XX/2021 for {$1100.00} via my credit card ( 15 U.S.C. 1602 ( l ) ). In the agreement, SECURITY FINANCE were false and misleading and did not give full disclosure of the rightful original creditor. SECURITY FINANCE violated 15 U.S.C. 1602 ( p ) which states, " The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. '' I received no benefit from the use of my credit card and demand remedy. SECURITY FINANCE did not disclose my right to rescind under the Truth in Lending Act as well. 15 U.S.C. 1635 ( a ) states- " Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. '' As you will see in the contract that is attached, there is no disclosure whatsoever. On XX/XX/2021, a notary sent a Right of Rescission , Cease & Desist, invoice and an Affidavit of Truth via an Affidavit of Notary Presentment. SECURITY FINANCE did receive my documents, but I have yet to hear anything from them.
11/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 280XX	Web
The finance company because I've sued for fraudulent insurance products sales and withholding loan copies of signed contracts by both parties. I was sold insurance products when I met requirements approving me for this loan by this manager But promises were made to me during the signing purchasing of XXXX and other insurance products of the contract but there was no basis of truth to that promise made by this manager and this finance company which delaying and refusing to pay my insurance benefits by this finance company. The manager and other loan officer at this location has wrongfully denied me access to refinancing my loan as retailition because I filed a insurance claim to receive insurance benefits I was sold and paid for which was included in my loan but has abused their authority and used fraudulent acts against me by willfully denying me access to my renewal amount at the time of XX/XX/XXXX and the renewal amount I was suppose to receive was XXXX included fees against me to increase her commission. Also credit card, and debit card payments were called in over the telephone at this finance company and accepted without signed permission in writing prior to taking the payments and not applying proper credit to the balance of my loans. Which violated SC, NC and Federal Law and my rights willfully denying the same. Renewals and telephone renewals were given by this managers friends and other customers but I was denied renewal of my loan as retailition of filing a insurance claim previously. As long as I accepted her previously excessively charging me high interests rates, not requesting customer copy that e both signed and not letting hr throw them in the trash and or keep them I was allowed to renewal of my loan there since XXXX. I was hurt by this finance company 's retailition against me causing hardship on me financially and my good name since I filed my claim which I should add I tried everything in my power to prevent in emails. The last call from this manger that abused her authority and retailited against me. They tried for a year to deny and prevent me from filing a insurance claim stating I never bought XXXX insurance PMT but I produced my customer copy I had to ask for or she wouldn't gave me a customer copy that we both signed.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	VA 23834	Web
On XX/XX/2022 I had a dealership send out multiple inquiries to different financial institutions. I did not fill out an application, nor did I give permission for my credit to be ran. There was no vehicle that I had applied for at that time. I had visited XXXX XXXX on XX/XX/2022 and had the finance representative falsify my credit application and forge my signature on the contract. I wrote a letter and mailed it on XX/XX/2022 to different financial institutions and included their letter they sent me declining me for a loan that I didn't even apply for. In this letter I sent, I wrote in bold letters, " I am officially requesting a copy of my specific decline reason ( s ). I am officially disputing my credit application. '' On XX/XX/2022 I received a letter from XXXX XXXX at Security Finance Customer Relations & Consumer Disputes on behalf of Professional Financial Services of VA LLC stating " Since the inquiry was made during the loan process, the inquiry is permissible and should not be removed. '' I left XXXX XXXX a voicemail to return my call. She called me back on XX/XX/2022 and I told her that what she said in the letter was not accurate and I asked where she got her information. She could not tell me where she got her information from. I told her that I did not submit that application and they should have investigated my dispute before dismissing it. I also asked her why I hadn't received my letter with my specific decline reasons and she had no idea what I was talking about. I told her multiple times that I requested to have a copy of my decline reason ( s ) so I could further dispute it. She told me they already sent me the letter saying I was declined. I had to argue with her and tell her she legally is obligated to send me an Adverse Action Letter based off the Fair Credit Reporting Act. I told her I am a manager at a bank and am well aware of the Regulations we have to follow and what my rights are as a consumer. Once I said that, she placed me on hold and came back and said she would send it to me. If I hadn't told her that I knew my rights and named the regulation, she would have continued to refuse my request. How many other people has she turned away that has asked for that.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75501	Web
I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the 1800 customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was 18, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.
01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76240	Web
I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 380XX	Web
My name is XXXX XXXX XXXX, a natural woman and consumer. I am submitting this complaint on my behalf without any influence from any third party or agency. It has come to my attention after reviewing my consumer report that Security Finance is furnishing an account XXXX opened XX/XX/XXXX as charged-off with a balance of {$560.00} and date last active XX/XX/XXXX ; which is a debt that has been discharged/cancelled as a tax write off. After contacting the IRS they explained that it was illegal for reporting of this information to my credit report without providing a 1099C-Cancellation of Debt. This is called tax fraud upon the IRS and I will be reporting such scheme. The IRS directed me to file form 3949a for illegal tax violations upon Security Finance company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. I demand Security Finance to remove this item from my consumer report and send the 1099-c so I can audit it to make sure you are in compliance. Security Finance violated the FCRA 15 USC 1681e ( b ) for reporting information thats not 100 % accurate as well as 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) for information that's considered exclusion from consumer reporting. Security Finance is in violation of the FTC/GRAMM-LEACH-BLILEY ACT for furnishing my nonpublic information without my consent and giving me the material disclosure to opt-out of the sharing my nonpublic information to third parties. Security Finance is also in violation of 26 USC 6050P. Per HJR 192 Public Law 73-10, I am aware that every obligations shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. My family and I have suffered great financial burdens due to Security Finance reporting income as debt to my consumer report. This is a direct defamation of character. This is an attempt to correct the record and notice of this account is disputed and statements of account is requested.
04/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 293XX	Web
I called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.
11/08/2017	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	NC 285XX	Web
The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.
01/31/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX XXXXX	Web	Older American, Servicemember
On XX/XX/XXXX I applied and was granted a installment loan with Security Finance, loan # XXXX with my payment due dates on the XXXX of each month. On XX/XX/XXXX my bank XXXX Bill Payment dept. issued a check in the amount of {$100.00} for my loan payment due on XX/XX/XXXX, Security Finance received the check on XX/XX/XXXX. At XXXX of XX/XX/XXXX I receive a phone call from XXXX with Security Finance offering me {$160.00} if I was interested in refinancing my loan, I told her yes and I would come in on XX/XX/XXXX to sign the paperwork, She said great we'll see you then and she would have the paperwork ready for the refinanced loan. On XX/XX/XXXX I went in to Security Finance and received {$160.00} for refinancing the loan, account # XXXX and left the building. Then on XX/XX/XXXX I received a phone call at XXXX XXXX from XXXX the manager stating that I owed $ XXXX for a returned check from my bank, when I told her they made a mistake she insisted that they were right and I was wrong. I tried several times to explain to her that I didn't owe {$130.00} since I refinanced the loan that the payment in question that they received on XX/XX/XXXX in the amount of {$100.00} was cancelled by my bank XXXX because of the refinancing of the loan. She still insisted I was wrong and she wanted a payment of {$130.00} for the loan payment due on the XXXX plus {$30.00} returned check fee. I made an agreement which I kept and went in on XX/XX/XXXX and paid {$130.00} as requested and i asked for the returned check. The lady that took the payment looked for it and couldn't find it so she called XXXX and then I was told the bank had it. I totally feel that this if nothing else is insufficient check fraud since the returned check i paid for and never received. I would like to have the amount of {$100.00} credited to my account # XXXX since the payment due on XX/XX/XXXX is non-existent due to the loan being refinanced. I've also reached out to their HOME OFFICE in XXXX but as of this date no response.
08/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38053	Web	Servicemember
In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and Security Finance was listed. Security Finance was contacted by XXXX XXXX XXXX and made aware of the plan.Security Finance was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from Security Finance home office concerning the DMP. The office manager stated that the checks eere with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that Security Finance had marked our payments 30 60 and 90 days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked 30 days late under the law a payment has to be an actual 30-day late, Security Finance was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never 30 days late and they kept coming up with excuses, it took me a long hard time to get even a letter from Security Finance to say that the account was paid and closed. I called and tried to get this corrected Security Finance refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that Security Finance knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court
04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
My name is XXXX XXXX, a living woman submitting this complaint without any influence from any third party or its agencies. In response to my previous complaint XXXX and the response received with attachments, I am without knowledge or information sufficient enough to determine the accuracy or truthfulness of Security Finance claim of a loan and therefore I dispute the debt in its entirety. Security Finance stated I obtained a loan in the amount of {$1300.00} and agreed to repay the loan in 11 monthly installments of {$120.00}. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be misleading and deceiving that a loan was given when CREDIT was extended or offered. In reference to Regulation Z the definition of credit means the right to defer payment of debt or to incur debt and defer its payment. Security Finance did not provided me with their credit or loan to me. The attached Consumer Loan Agreement Note and Federal Disclosure Statement appears to be a consumer credit contract that resulted in a Purchase Money Loan per 16 CFR 433.1 ( d ) which states a purchase money loan is a cash advance which is received by a consumer in return for a " FINANCE CHARGE '' within the meaning of Truth In Lending Act ( TILA ) and Regulation Z. Per TILA, a finance charge is the cost of consumer credit as a dollar amount ; in which totaled {$350.00}. Security Finance breach the contract and their fiduciary duty by extorting and racketeering the collection of credits that they did not give. Security Finance can prove a loan was given by producing their booking entries of debits and credits in compliance to GAAP. In addition to the misleading attached correspondence from Security Finance to my complaint XXXX, I do not recognize the signature on the agreement. XXXX XXXX XXXX XXXX testify under penalty and perjury that they witness me signed the agreement? Please see my attached correspondence for my disputed disclosure questionnaire.
05/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30016	Web
First off the loan agent, looks up my family members through social media and contacted them. Also she stated to me she even Googled my boyfriends name, and searched out his police record ( his name is not on the loan. ) She shows up at my home with a police officer and tells me it 's a felony repo for my listed calatorel but the officer never gets out of the vehicle. She agrees for me to come to the office by the next Monday to make a payment and do a hardship form and she leaves. About 20 minutes later she shows back up at my home ( no police this time ) asking me to write a false statement saying that the original loan manager took half the money and made me take out the loan. she told me what to say and even had her boss on speaker phone. When I said no they both got upset and refused to let me do a hardship form and made threats that they would get me and the original loan manager even with out my statement. I asked y she brought the cops the XXXX time n she said it was for repososetion, the XXXX time I asked her y she said because she felt threatened ( even this she 's never met me seen me or spoke to me before ). The XXXX time I asked y the police had came the XXXX time she said it was because she googled by boyfriend and he had a record. So I 'm still not sure as to the real reason the police where here. I made a complaint to her main office and they forwarded it to her boss and he as well tried to get me to make a statement saying could help me out if I gave them the statement so they could go after the original loan manager ( who no longer works at the company ) they r trying to get wrongful statements to incriminate her. As well as threaten me the into helping them or they will press charges as I am behind on my loan. At this time I am an out of work widowed mother with XXXX kids ( XXXXwith XXXX and can not get caught up on this loan ) I feel they r targeting me due to the issues they have with the previous manager ... ..
02/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29501	Web
I have had a loan with Security Finance for over 2 years now. I have faithfully paid and renew my loan multiple times. One day I called to see if I was renewable and was told by XXXX that I was renewable for over {$200.00}. I told him i would be in on my lunch break to renew that loan. When i got there, XXXX told me once i renew my payments would go up {$20.00}. We signed the papers and i got the money. One day I was not able to make a payment on time, so i decided to ask for my principal and remaining balance. XXXX informed me that my balance was over {$1500.00} for a {$1000.00} loan, and I asked how it was that high because i had made previous payments before calling. He then decided to inform me that back in XXXX when he told me I was renewable for over {$200.00} that my loan was actually increased and not renewed. I then informed them through SEVERAL letters that I would not be paying that loan because I came in on the assumption of renewing my loan and not increasing because I could not afford a increase at the time. I feel like they were obligated to let me know that they were increasing my loan and not renewing it like they told me on the phone. By them increasing my loan without me knowing and having me come in on a renewal assumption I do not feel like I am responsible for that. They should have informed me. They call me several times and day and they call my job as well. The last person that called my job from there was XXXX and he had the nasty attitude with me and wanted to know why i had an attitude because i sure didnt have one when i came to get the money. I then informed him that I had an attitude because they failed to inform me that they were increasing my loan and had me come in on a renewal assumption. I however am still not paying them whatsoever with this loan and they have ran my credit score to XXXX. Is there anything other than not paying them that I can do about this situation?
09/27/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 778XX	Web
Pursuant to the previous complaint filed against Security Finance, I submit to the CFPB as evidence A Redaction in the attached Cease and Desist Letter I received dated Thursday XX/XX/XXXX. In this letter Security Finance admits to a conversation I had with them the day before dated XX/XX/XXXX asking them to cease and desist their phone calls ... Prior to XX/XX/XXXX I had asked Security Finance numerous times to stop calling me a request they categorically and systemically ignored until I took it upon myself to contact their corporate office ... I am putting the content of the letter here for ease of reference as well as attaching it as a file for consideration. XX/XX/XXXX Dear Ms. XXXX : This is in response to a request we received from you on XX/XX/XXXX. Pursuant to your request, we have noted in your account below the cease and desist of collection activity and communications ... As permitted by law this letter shall serve as our first communication to you. Loan Number ( s ) XXXX Even though you have chosen to end contact on this debt, you are still obligated to to repay your loan. Please contact the branch to discuss your circumstances and arrange for the repayment of this debt. You can reach the branch at the address or number below. While we will end all future communications, all applicable late fees, charges and collection costs will continue to accrue on your account. The reporting of accurate data is an essential obligation of Data Furnishers under the Fair Credit Reporting Act, 623 ; therefore, we can not change or dele On Behalf Of : Security Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Security Finance Co. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00}
07/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78418	Web
I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL ME!!!!
07/13/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34772	Web	Older American
A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in XXXX where I have to drive to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did one reported at all to any of the XXXX agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good credit score for me doing a wonderful job. So I traded the car and XXXX paid off the balance and because they were n't reported to the credit bureau my credit score interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.
05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 794XX	Web
Security Finance of XXXX, Texas has been calling me to collect a debt. They have called me numerous times at work. The calls started XX/XX/XXXX in which Security Finance contacted the Administrative Offices at my Job. I was sent Emails about these calls and warned about personal calls. The phone number was always the same number which is from Security Finance. XXXX, a man by the name of XXXX called me, a XXXX called me, XXXX called me. I received numerous calls and I asked the Security Finance not to be calling my job. They were sent a written notice in the mail XX/XX/XXXX. On XX/XX/XXXX, XXXX from Security Finance called me on my cell phone regarding the debt. I told her I did n't have any money right now and that I am pending a filing on the bankruptcy. XXXX said well, call me back to see if you can make a payment. I told her to make sure no one calls my job. This is the XXXX time I told this to XXXX. On XXXX, a call was made to my job after a notice was sent and Security Finance notified not to call me at my job. A young lady picked up the phone by the name of XXXX. She was very rude and stated that she did n't see any notes indicating I asked not to call my job. I asked to speak with a Supervisor. I spoke with a lady named XXXX and told her of the incidents. She claims they did not see the notes. Today, I was told that I could not get personal calls at work in Administration. I was verbally warned that if the calls continue, I would be written up and possibly fired. I feel that Security Finance has over stepped their boundaries of calling my job when told numerous times not to call. These type of calls have led to harassment type of calls. Security Finance 's excuse was that they could not get a hold of me which was a lie because I had just spoken with XXXX XX/XX/XXXX and they called my job XX/XX/XXXX.
05/31/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 79072	Web
My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas XXXX XXXX
07/01/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	OK 74801	Web
I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? ( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.
02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64850	Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.
12/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28216	Web
My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 765XX	Web
In accordance with the Fair Credit Reporting Act, Security Finance account has violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. On more than one occasion, I requested XXXX, XXXX, and XXXX research inaccurate information on my credit report regarding inaccurate information reported by Security Finance. I was advised on multiple occasions that the debt with Security Finance was verified as accurate. Security Finance furnished XXXX, XXXX, and XXXX my account information without my written instructions to do so. In addition, Security Finance has maintained inaccurate information on my credit report and knowingly misrepresented that inaccurate information as accurate. Security Finance reports different dates for the last reported payment date to the credit bureaus. It is impossible for that information to be accurate as the last payment date would have to be one consistent date in order for that date to be accurate. In addition, Security Finance reports different late payment information to the credit bureaus. One credit bureau has 30/60/90 day late payment information reported by Security Finance that is different from the 30/60/90 day late payment information reported by Security Finance to a different credit bureau. Security Finance has continually furnished my account to the investigating credit bureaus without my written instructions. Security Finance has, and is currently still, knowingly reporting false and inaccurate information on my credit report and misrepresenting that false information as accurate, despite my attempts to have the account removed from my credit reports.
09/03/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 31206	Web
I cosigned with my nephew on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. Months later, I don't exactly when, but he starts having financial hardship where he couldn't pay. The car was eventually repossessed on XX/XX/XXXX. I received a letter from the XXXX XXXX Court of on XX/XX/XXXX about the car. I went and retrieved the summons on XX/XX/XXXX. I went and filed an answer to it on XX/XX/XXXX. When I filed the answer, I thought that they were asking for XXXX. I offered the half of that which is XXXX, I explained to that I would like to make a settlement offer of the XXXX. Thats when I found out the actual amount was XXXX, she then and explained to me all the charges and she told me that she could not accept XXXX for a settlement. She stated that she could take XXXX out the door in full no payment arrangements. I then stated that I didn't have that in full and could get the in an email about my offer and her denial of the offer and she stated that she could not do an email on this matter. Thats when I asked her for her name for my notes. I was previously advised from a lawyer that I needed to keep a paper trail, emails, just in case this do go to court. I feel that being that she denied emailing me concerning the situation on the car that was very unprofessional. It makes me feel that when we do get to, they will fabricate there story as if I never tried to resolve this matter in any kind of way. Like I explained to them this is my first time going through something like this. I was hoping not to get taking advantage of and cheated out of this situation, that's what's going on being denied not to email about this. So, what I want to know is this proper protocol for a company to do? Please contact concerning this situation.
09/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX XXXXX	Web
In XX/XX/XXXX, I received an unsolicited check in the mail from Security Finance in the amount of XXXX Dollars. I called the number on the check to confirm that the check was real and it was an offer for a loan. I accepted the loan and deposited the check in or around XX/XX/XXXX. To date, I have made all payments on time. I received a postcard from Security Finance stating I could receive extra funds if I " refinanced my loan ''. On XX/XX/XXXX I went to the XXXX store and asked to refinance my loan. At that time, I asked XXXX XXXX if they would be pulling my credit, as I was concerned about a hard inquiry. XXXX stated it would be a " soft pull '', and it would not affect my credit. Manager XXXX XXXX confirmed that it would not hurt my credit. I immediately received an alert that Security Finance had obtained a hard copy of my credit report. I asked why XXXX told me they would not do a hard pull, and she stated " sorry I didnt know :. XXXX further went on to state " you will get the points back when you make your first payment ''. On XX/XX/XXXX, I attempted to make a purchase with the XXXX app. I was denied the purchase, the reason stating " credit utilization rates ''. Upon checking my credit report, I noticed Security Finance had closed my previous account and opened a new tradeline on both my XXXX and XXXX reports. They listed my account as having a balance of XXXX, with a credit limit of XXXX, showing my account as over limit. I called the store and spoke to XXXX, who stated she didn't know why that would be. After calling the corporate number, I was told the District Manager would call me back, and no one has called. Further, the customer service agent was rude and stated " thats just how it works ''.
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 29461	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.
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29485	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.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83835	Web
Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. XXXX ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. Then another balance also shown high balance {$1500.00}. This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
10/01/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29588	Web
on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.
07/26/2023	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	TX 76001	Web
This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. No idea who these companies even are : SEE ATTACHED DOC Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.
08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NM 88007	Web	Servicemember
I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!
10/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
Security Finance Corporation sold a debt ( I DID NOT OWE ) to XXXX XXXX XXXX. I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. When I contacted Security Finance about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. After additional research I was able to identify that Security Finance was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to Security Finance who advised me they are not reporting information regarding this debt on my credit report. I would like to reiterate, I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. Security Finance inadvertently sold a debt to World Finance that I DID NOT OWE... Any loan in my name during those dates are fraudulent. I have attempted to resolve this with XXXX XXXX and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85719	Web
XXXX XXXX of SECURITY FIN # XXXX is in violation of the FCRA for the crimes of Inconsistent Reporting and Inaccurate Reporting. Security Finance has provided inaccurate information to the credit reporting agencies. For instance, the accounts payment history is inconsistent, showing late payments of XXXX, XXXX, XXXX, and XXXX days late and then reverting to 90 days late. And I received a letter XX/XX/2023 stating that the information is accurate and they reported it to XXXX and XXXX but i dont have it reported to my XXXX credit report and if no payment was made after XXXX LATE DAYS, how could it revert back to XXXX LATE DAYS? These inaccuracies constitute violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which obligates furnishers of information to ensure the accuracy and integrity of the payment history they provide to credit reporting agencies. I have submitted supporting documentation that outlines these violations and discrepancies committed by Security Finance on my consumer report under the FCRA. I request an immediate re-investigation and the removal of the account in question due to these infractions. Additionally, to avoid inevitable legal action under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681o ( a ) ( 1 ) ( A ) for these violations, I kindly request that you include a {$1000.00} check as compensation. {$1000.00} per violation for statutory damages sent to the address provided above.
10/20/2015	Yes	Credit reporting	Incorrect information on credit report Account status	IL 623XX	Web
Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! XXXX XXXX
06/13/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 45042	Web
I was unaware that PROFESSIONAL FINANCIAL SERVICES OF OHIO , LLC, did not fully disclose the terms in our consumer credit transaction, I was told that i needed to put down {$3000.00} in order to secure the loan and get the car. I sent a letter 30 days ago and no response at all. But as it has come to my attention that in any consumer credit transaction the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 15 usc 1605. As well as If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. Pursuant to 15 usc 1615. As the natural born man and consumer, I am demanding that my downpayment to be refunded to me immediately as well as ALL PAYMENTS I have paid since XXXX/XXXX/2020
02/20/2019	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	GA 31069	Web
I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with XXXX XXXX XXXX for {$1500.00}, it says it was closed XX/XX/2018. The other is with Security Finance Corp for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for XXXX XXXX XXXX still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. XXXX XXXX XXXX directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX monthly, but they refused the $ XXXX monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
01/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 380XX	Web
Continental Loans ins XXXX TN, I never missed a payment on my installment loan and always paid through the customer portal. They reported I was over 30 days late for my XXXX payment when I have never been late, when I contacted them and explained the issue to them they claim it was for a late fee that I did not pay, I explained to her when I paid my bill on the online portal I paid the amount it stated I owed and never showed I owed a late fee on top of that they see I made regular payments on time, if this was the case why did they not call me and say you still have a balance or owe a late fee, they were even aware customers were having issues with the customer portal with the correct balance reflecting but still did not honor the error on their end and this late payment is ruining my credit. For a long time customer who always paid on time why would they ruin my credit when the error was on their part, I was advised the issue would be escalated to a supervisor and someone would call be back, I never heard back from anyone and when I called again I was just told the same thing it was escalated to a supervisor to look into the matter but still nothing. I have a record of each payment I made to them which shows I was never late. I am disappointed in how they treat good customers and the lack of accountability on their part, I will probably never do business with them again.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
07/19/2021	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 Was not notified of investigation status or results	TX 77073	Web
This is a formal complaint against Security Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Security Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35215	Web	Servicemember
1. The following information was provided to me by XXXX for the Security Finance account I once had. The account has been PAID IN FULL and CLOSED. The account on my XXXX credit report reflects the following : -Balance : {$360.00} -Status : Needs attention. 2. My XXXXXXXX Credit report reflect the Security Finance account was closed XXXX XX/XX/2020. This information on my XXXX Credit Report is absolutely inaccurate and affecting my credit score!! Please fix!!! ( Info in paragraph below was provided to me by XXXX regarding my Dispute. ) >> We have researched the credit account. Account # XXXX The results are : This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. This creditor has verified to OUR company that the balance is being reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : Security Finance, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XXXX. I'm also having an issue with the XXXX XXXX XXXX reporting the correct information to the 3 Credit Bureaus. I paid this account IN FULL directly with XXXX XXXX over the phone. The account status is reflected as in-collection/or charged off. I paid this account to a {$0.00} balance, therefore it was not CHARGED OFF!!
02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32244	Web	Servicemember
XX/XX/XXXX vehicle was repossessed for XX/XX/XXXX payment even thought we discussed that payment being made XX/XX/XXXX. I have not had this trade line reported accurately since XX/XX/XXXX. It shows up as paid/closed. I contacted XXXX XXXX and the bureaus and they did nothing saying the company has undergone a systems update since XX/XX/XXXX and it would be accurate XX/XX/XXXX. NOT ACCEPTABLE. I recently incurred my 1st late payment when I tried to trade in the vehicle. I learned it was sold to me as a lemon. I was provided fraudulent car facts, and at the time of purchase the car was worth about 3000 well I paid XXXX already only the care and the company is asking that the loan be bought to XXXX for a mod meaning I was charge {$26000.00} for a {$3000.00} car. I made the XX/XX/XXXX payment with the understanding that I would get the MOD but when I did the company started throwing numbers my way asking for more payment. I am just done. I mean One you haven't reported that I paid you ... I could have had my mortgage last year had they accurately reported now that I'm over this predatory loan and need it modified you repo the car saying you will report the repo in XX/XX/XXXX/What happened to the current payments for all of XX/XX/XXXX and all of XX/XX/XXXX. This is simply unfair. What needs to happen for the consumer to be fairly treated?
10/25/2017	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	NC XXXXX	Web
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, 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.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
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	FL 33610	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
01/06/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 75002	Web
I received a call from a different lady saying she was going to come to my house and shoot me. I have been contacted countless times by Continental Credit. They are looking for an XXXX XXXX. I have no idea who that is, but the company will not stop calling me. Today, I received at least 10 calls, and I spoke to a nice, professional lady who said they would no longer call me. After that, I received a call from a different lady saying she was going to come to my house and shoot me. The call came from ( XXXX ) XXXX. I called the professional Continental Credit number back at ( XXXX ) XXXX and they said the lady worked for a sister company and her supervisor was XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX completely denied the phone calls and the phone number saying that no one worked for his company from that number. He acted like this number was n't in the records, when the previous people said it was and that he was the supervisor. I looked the phone number up myself on the internet and found it belonged to XXXX XXXX who works for Continental Credit. So, obviously, XXXX lied. What do I do to stop Continental Credit from calling and harassing me? My credit is perfect. I have had my phone number around 10 years. I have no idea who XXXX is. My number has been on the " do not call '' registry for years.
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 79416	Web	Servicemember
Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.
03/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37920	Web
I had a vehicle loan through Professional Financial Services ( PFS ). In XXXX 2011 we had a major hail storm to hit our area, and the vehicle was totaled out by my insurance XXXX. I have copy of the canceled check along with the release of lien on the vehicle ( Please see attachment ). PFS has a balance of app {$3800.00} on my credit that I have disputed several times to no avail. I have even spoke with several people at PFS and no one can give me a straight answer as to what the charges are for. I have asked for proof several times and they said they did n't have to send me any. I have been told it was where gap was n't paid, then I was told no it was where I owed late fees. I advised them that I know for a fact I did n't owe over $ 3k in late fees, then the story was changed to maybe it was when I first got the car loan and two days later a part on the transmission failed and they fixed it. I advised them that I was told it was being fixed under " XXXX '' and to please show me proof from XXXX XXXX Ford ( where car was purchased ) and they said they did n't have to. Then I was asked if we could come to some kind of arraignments and pay half, and I advised them that they needed to send me documentation/written proof etc that I even owed anything or take this off my credit report.
01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 62959	Web
Today, XX/XX/2020 I received an email from XXXX XXXX stating I had a new hard hit added to my credit report. It was security finance in XXXX, IL. XXXX. Phone number ( XXXX ) XXXX. I have a loan for {$1000.00}. I am 2 months behind on my payment. They told me they pulled my credit report because they wanted to see if I had any new creditors they could call to see if they had a phone number for me because they have called me several times and I havent answered. Which is untrue. She said she had every right to pull my credit in fact she could do it every 30 days if she wanted. She accused me of acting slow because I wasnt understanding why or how they could do that. And yet they have not reported me being 30 days late to any Credit bureaus. XXXX minutes prior to them doing the credit report that caused the hard hit, they called my job confirming I still work there. I did sign a wage garnishment if they didnt think I was going to pay them. That was the next process according to the papers I signed back when I opened the loan. The supervisor called me and also said they can pull my credit report if they feel its permissible. Im confused to why checking my credit report, that is usually asked for permission is okay with the manger and supervisor at Security Finance.
08/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OR 97404	Web	Servicemember
My husband, who I am separated from, took out a loan in another state, which I did not agree to or sign for. The loan amount was {$300.00} at an annual percentage rate of 144.19 %, to be paid in monthly installments of {$73.00} each, for 6 months. I received paperwork regarding this loan, mailed to me on XX/XX/XXXX, and I received on XX/XX/XXXX. The statement contained a letter from management stating a property law known as Marital Property Act which governs the property rights of persons in Wisconsin. I sent the following reply to the company : " XX/XX/2019 Security Finance Corporation of Wisconsin XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX RE : acct XXXX, contractual arrangement with XXXX XXXX . To whom this may concern : I received your contract information and will not be a part of an agreement to which I gave no consent. I was not advised of the arrangement and had no knowledge of its existence. I am an Oregon resident. XXXX and I were married in Oregon. I have never been in Wisconsin. Oregon is not a community property state. It is a common law state. I do not agree to the terms of this contract. I have not consented to or signed this contract. There is no joint borrower on the contract. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX ''
02/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 208XX	Web
Company Details : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Ref Person : XXXX Description of Incident and Identity Theft : I have a company named XXXX XXXX in XXXX Texas who have sent me pre-qualified check without my notice and I didnt asked for to my old address, which was cashed by someone else on my name. It was reported to all three credit bureau by the company XXXX XXXX under my credit which is effecting so badly. I have already contacted the XXXX XXXX upon this 4 months back and the above incident happened in XX/XX/2017. Till now the incident is not cleared from my credit and company is deliberately delaying the entire process. I still dont trust this company. I need some help in dealing with this XXXX XXXX I request you to take action against this company due to the following reasons : 1. I have never asked them to send me a prequalified check/check without my notice. 2. No financial company sends directly a check to cash a loan under any circumstance without prior information to the person. 3. They have used some this script tracing to find my current address and contact which is illegal. 4. Upon all these also they are not responding properly I think this is a fraud company who collects personal data.
10/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78240	Web	Servicemember
My husband and I both have a loan through Merit Finance on XXXX XXXX in XXXX XXXX, TX. We have come down on financial hardship and have submitted and been approved for lower payments on our loans. We continually receive phone calls even after payments have been made and if we are one day late they have no problem calling our contacts on our loan and sharing loan amounts, due dates and how much the loans are for. They come to my residence and have no problem pounding on my door harassing my dog for nearly XXXX minutes. our loan one due on XX/XX/XXXX and someone was knocking on the door by XXXX on XX/XX/XXXX. The XXXX was one month since our last payment, which was more than the agreed amount on our hardship paperwork, and they have been calling me for nearly two weeks multiple times a day and not identifying themselves in the voicemail. Just name and number to call back. I am not trying to get out of payment I am just trying to get the harassment to stop. They are very rude. I am afraid to answer the door with the way they pound on my door after they have already called me. I have been a part of one of the sister companies for over 4 years and this is the worst I have ever felt and I should n't have to feel threatened because I am one day late.
12/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60438	Web
Dear Security Finance, XXXX & XXXX : Thank you for sending me your internal records of the debt ( SECURITY FINANCE ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
08/23/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 31206	Web
in XX/XX/2022 I sent professional financial services a affidavit letter of recession for failed to disclosed they then stop my repairs that was going on with my car and sent letter stating the had repossessed it which was false I still had it once they figure that out they took me to court and the ruling was in they favor I also sent in coupon to pay for the car which they didn't send back or apply to the note .I also sent in affidavit to them about the securitization of the note and they then sent me a letter saying the car had been sole I sent them a package of every letter I have from them and that I sent to them stating all the fraudulent things they was doing they stop responding to me I also file a ucc1 because they took my trust property private property and then sold it according to them in the public without just paying me anything I have been sick and loss my baby so I'm just now carrying on with my processing with a lawsuit against them they never responded back so I guess they agree to all the fraud and conspiracy against them I also sent a fee schedule in to them from my trust telling them how much if they didn't responded its also way to many letter to upload but I have all the copies and so do they
10/04/2016	Yes	Payday loan	Can't contact lender	ID 83704	Web
I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.
02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60187	Web
I was approved in XX/XX/XXXX for a personal loan at Security Finance XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score. Security Finance states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At Security Finance office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to Security Finance. I was given Security Finance corporate number, called and reported this problem. I contacted credit bureaus. Security Finance DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
06/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30134	Web
This complaint is on behalf of numerous customers who have loans with security finance in XXXX ga. Specifically the branch manager a Ms XXXX XXXX has used threats of legal action, legal charges being pressed against consumers and garnishment as a means of collections. When making collection calls This employee suggests and eludes to the fact that this matter is one of an urgent nature about a business matter in XXXX County and the customer must contact a Ms XXXX before XXXX, leading people to believe this is a legal matter involving police. This manager has forced optional insurances on consumer loans and told customers they are required by the state of ga and they must accept them in order to get the loan. This manager discloses personal details to third parties regarding accounts of customers. She has continually called references and places of employment under the pretense of verifying a past due customers employment and then asking who is in charge of payroll and garnishment and who would she direct such documents to. This type of collections lets a third party know that the employee / customer she is calling about is potentially facing a legal issue or possible garnishment of his or her wages.
11/20/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NM 88005	Web
i am severely XXXX XXXX ( XXXX XXXX loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX person.
04/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 749XX	Web
I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!
06/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37130	Web
This company sent me a live check for a loan which was a huge mistake for me to deposit but I was desperate & without work at the time. After the check processed I tried to set up an account online but was unable to & had no correspondence from this company or even a notification of when my due date would be even though the agreement said they would contact me to let me know of my due date & payment due. I did not hear from them until today, I missed a call from them. When I returned the call I spoke to XXXX & she told me my first payment was a day late. I told her I would have the payment & the late fee in a week. She became irate & demanded to know why I could not make payment today & persistently badgered me about how I needed to find a way to make a payment today. She then told me that if I did not bring payment today they would come to my workplace tomorrow & try to collect payment there & if I did not have it then they would have me arrested. They are predatory, berated me & harassed/threatened me. I will continue making payments as soon as next week & the loan will be paid off in full in XXXX but after that I will be contacting a lawyer about their treatment of customers.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NM XXXXX	Web	Older American
I made a loan with XXXX XXXX here in XXXX, XXXX XXXX from their office on XXXX XXXX, XXXX. I paid the loan off a month ahead of time ; I was informed by a young lady that the company owed me some money-when I asked how much-the amt was {$500.00} dollars-after receiving this check which I deposited to my credit union acct-I was contacted by the company about how would I like to start paying on my new loan! I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXXThee XXXX never told me what the status of my complaint was nor did Security Finance send me any documentation as to any steps there were to RESOLVE this matter plus I informed the XXXX and the company that based on information sent to me that I was was being mixed up with another person with the same name and obviously another present customer. This presented evidence from the company and to the XXXX meant nothing and now the company is showing " retaliation '' to me by giving a negative credit report. The complaints listed on the XXXX website concerning this company is " XXXX ''. Therefore I am filing this complaint against the Security Finance Company concerning its " office her in XXXX, XXXX XXXX
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37042	Web	Servicemember
On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.
09/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 367XX	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, account payment history and a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31069	Web	Servicemember
This company failed to charge a late fee to me for my XXXX payment. XXXX payment was due XX/XX/XXXX I paid XX/XX/XXXX so I paid before 30 days. I called and told them to run my card for what was due. My XXXX payment came due XX/XX/XXXX I paid XX/XX/XXXX. Here they said you owe XXXX I said why they said they forgot to charge you the late fee for XXXX I was upset asked will that affect my credit because that was their fault I was told no. XXXX comes and I see I got a 30 day late flag on my credit reports. I call them no help. They tell me in right just dispute I have 3 times and they keep reporting I was late 30 days on my payment for XXXX even though XXXX was paid XX/XX/XXXX. They are saying because I paid the late fee late but that late fee was for XXXX for one and I did not pay it late, the local office didnt take it with my over the phone payment on XX/XX/XXXX. This is deceptive business practice and they refuse to take ownership of the issue. I always pay before 30 days is up and because they failed to take the right payment amount they wont remove the late payment report. Ive paid before 30 days every month ive had this acct!
02/01/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 352XX	Web
I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.
11/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other XXXX reports, namely XXXX and XXXX. I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
04/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 36116	Web
Yes Im trying to file a complaint about this company I had gotten XXXX to remove an account off my credit report and they block this account Security finance really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as in it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XXXX XXXX, XXXX when that is wrong and this account is closed by law you suppose to inform me about this
03/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37066	Web
I filed a complaint with customer relations : XXXX yesterday on XX/XX/2018 I requested a cease and desist on my account and the CSR stated that it would be put through. I have received three phone calls from workers ( XXXX and XXXX ) from the XXXX office. They have called from their personal numbers : XXXX on XX/XX/18 I returned the first call and the collector answered " Hello '' instead of the Security finance greeting that they state when you call the actual office XXXX On XX/XX/18 I have received two calls from the following cellphone numbers XXXX missed call XXXX / returned call XXXX : pm I missed the call and called the number back Woman on the phone was real nasty with me stating that she didn't call me and that I must have missed dialed. This was the same woman from security finance. she stated that I should " pay my bill then '' the second call came from XXXX missed XXXX am / returned call XXXX another woman on the phone laughed and was very rude stating they are going to submit my account for wage garnishment. They are rude to me whenever they call or I make a payment and I will not stand for it.
06/28/2018	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 76039	Web
On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.
02/03/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 79932	Web	Servicemember
I am XXXX in the Texas XXXX XXXX and not on XXXX XXXX orders but I do actively XXXX every month. I took out an installment loan from Sunbelt Credit for about {$1000.00} in XXXX XXXX. I paid my loan off early in XXXX XXXX. I just called to apply for a new loan. With the exception of my promotion XXXX and the dates of XXXX loan applications, everything else about the old and new loans are the same. Same amount, interest, payment plan, status in the XXXX XXXX, etc. Only this time, Sunbelt Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) denied me credit, stating they no longer allow military to receive loans because of the new Military Lending Act. How is it that an Act meant to protect service members from outrageous interest rates is actually preventing service members from getting loans, even if the service member can afford the loan? I 'm not XXXX XXXX, I 'm not on XXXX XXXX orders, but because I 'm affiliated with the XXXX XXXX, I feel I 'm being discriminated against due to my service in the military. What are my rights? If Sunbelt Credit violated my rights, what actions can I take?
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 Their investigation did not fix an error on your report	OK XXXXX	Web
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : Security Finance Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
04/05/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL XXXXX	Web
I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to XXXX
11/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 301XX	Web
They have also called friends of my family multiple times leaving messages. Showed up to my grandparents house and disclosed my debt to my older brother. Showed up at my aunts house and told her that they were told she was my mother. Sent a letter to my grandmothers address XXXX and I live XXXX. They have trespassed multiple times on my grandparents and aunts property that have NO TRESPASSING SIGNS on both properties and they have showed up even after I contacted them telling them that I do n't live at either of the residents. They are continuously calling and leaving messages telling my family and friends that they need payment or my collateral. I worked for a XXXX company so I know my rights as a consumer. What they are doing is against FDCPA and CFPB. They disclosed to my brother that I needed to pay {$75.00} and also gave him a letter to give to me. They have harassed my family and friends so much that my family and friends are also going to be filing a complaint with the CFPB. And it is all over a {$370.00} loan. Ridiculous.
06/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 746XX	Web
MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.
05/26/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76049	Web
These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.
08/23/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	ND 584XX	Web
I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
01/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 382XX	Web
I sent a billing error notice to Security Finance, which was received on XX/XX/2021, requesting documentary evidence to verify the source of funds pursuant to 12 CFR Part 1026.13 ( a ) ( 6 ). In my request, Security Finance was supposed to provide the books of accounting for both the public and private sector particularly IRS Publication 583. I have called on multiple occasions regarding this matter, but Security Finance has failed to respond. It has been beyond 30 days and Security Finance has defaulted on the matter. I also sent the organization a cease and desist in XXXX. The cease and desist order was to cease all communications. The company has sent late payments to all consumer reporting agencies without acknowledging my billing error dispute and without providing the evidence of indebtedness. 15 U.S. Code Section 1692a ( 2 ) defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. The organization is in violation of the cease and desist order.
06/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78660	Web
about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!
07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30144	Web
I filed BK Chapter XXXX and added Security Finance into Chapter XXXX. I received my discharged letter from the courts. Security Finance is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. Dear SECURITY FINANCE XXXX : Security Finance is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : XXXX. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
09/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	WI 537XX	Web
On XX/XX/XXXX I checked my credit report on XXXX and seen that I had a open loan for the amount of {$1300.00} from Security Finance Corporation with a monthly payment of {$150.00} a month. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called Security Finance Corporation and was transferred to XXXX to do a fraud dispute. XXXX informed me that Security Finance Corporation purchased my information from XXXX and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at Security Finance Corporation at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.
05/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	GA 30680	Web
I got a loan from Security Finance i n XXXX , Ga XXXX on XXXX XXXX , 2014 and the account was paid off on XXXX XXXX , 2014 . The monthly payments were only {$70.00} but i will admit finances were tight during that time. In those few months i was late 3 times but the manager told me that they would not report that it was late as i had a good history with them and have always paid on time. Well she lied and it did report and now it really looks bad on my report and its very frustrating. Also, when i paid it off, before doing so, i asked if they would remove the account completely from my credit report and they said they would. I should have known from the previous deception that i could n't trust this company but i took there word unfortunately and now i 'm unable to get certain credit cards and have a negative account against me on my credit. If someone could please just help point me in the right direction on how to get this account off of my report i would be SO grateful. Thank you.
12/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78521	Web
I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 380XX	Web
I have an account on my credit report, reporting to XXXX XXXX XXXX reporting an account with Continental Loans/Security Finance as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.
01/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44012	Web
In XXXX, I had a car loan on a XXXX through XXXX XXXX. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, Professional Financial Services of Ohio LLC., is claiming that I never made a court hearing in XXXX XXXXXXXX XXXX XXXX back in XXXX ( I was living in XXXX and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now PFS of Ohio is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
05/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 65203	Web
I went to XXXX XXXX XXXX and closed a loan with them on XX/XX/2018 to pay off several very high interest loans. One of the loans was with Security Finance in XXXX, MO, where I live. XXXX XXXX XXXX overnighted via FedEx they payoff amount, ( It was a little over a {$1000.00} ) on XX/XX/2018 and they ( XXXX ) show on their internal accounting that the check was cashed on XX/XX/2018. Unfortunately due to XXXX ( XXXX XXXX XXXX ) policy they can not provide me that accounting statement reflecting Security Finance cashing/depositing the check on Thursday XX/XX/2018. Security Finance says they received and posted the check on the following Tuesday XX/XX/2018, which caused there to be a 30 day late added to my credit report on that account when in fact XXXX has proof ( that they just cant give me for company policy ) they received and cashed the check on Thursday XX/XX/2018. Basically they assessed a 30 day late payment erroneously assesed to my account for reasons unbeknownst to me.
07/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 77379	Web
On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under " Check in night '' payment method. Again, I did not renew any loan. Additionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.
04/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	UT 84120	Web
I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from SECURITY FINANCE on my XXXX ACC Name/numberXXXX XXXXXXXX XXXX # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX # XXXX on XXXX and XXXX report XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 accurate.
04/09/2023	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	GA 30134	Web
This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my XXXX consumer profile. I've contacted Security Finance XXXX XXXX numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! Security Finance is reporting this account is C/O on my consumer report they SHOULD NOT. Delete this account!!!
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
12/29/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 779XX	Web
XXXXXXXX XXXX branch/ security loan- calls me every XXXX weeks and leaves a voicemail for YEARS. This is NOT my debt and they are trying to collect from XXXX XXXX who is my sister in law. I do not talk to her and have never had a relationship or friendship with her even though she is my husbands sister. She put me down as a reference probably knowing she wasnt going to pay them. I have requested multiple times for them to remove me because I do not talk to her. Im not sure how old this debt is but they used my maiden name and I have been married for 10 years now. Its frustrating because my husband and I are very responsible and have great credit ( XXXX both of us ). We do not do these payday little loans and I should not be harassed by this company when this debt has nothing to do with me or my husband. I have talked to someone at the XXXX XXXX branch, XXXX and XXXX also corporate.
03/30/2022	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	LA 712XX	Web
On XX/XX/2022 I received an alert from XXXX stating that I had an inquiry at Security Finance. I did not visit this business nor did I speak to anyone on the phone concerning a loan. When I called to see why my credit report was obtained, I was informed by the manager that she mistakenly ran my credit. I'm not exactly sure how someone can do this by mistake because an application has to be completed in order to apply for a loan, and my social would not have been on this application because I never completed one. She informed me that the she had to contact her supervisor to get the inquiry removed. I filed a dispute with XXXX and the result was that it was legitimate. They did not even contact the company, yet told me that I had to contact them to get it removed. Here we are nearly a month later and this inquiry is still on my credit report which has decreased my score.
09/01/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	WI 53511	Web
XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77047	Web
SECURITY FIN Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
01/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53142	Web
Due to financial hardships, I took out a loan in XX/XX/XXXX for {$300.00} with {$150.00} added on for interest. So in XX/XX/XXXX, my balance was {$450.00} and I had health issues and was unable to make my first payment that was due XX/XX/XXXX. Despite my defaulting on the loan, Security Finance continued to add interest and late fees ; even though they were well aware that I was in the hospital. I was unaware of how much interest or the late fees until I made a {$50.00} payment ; which brought my supposed balance down to {$390.00}. I called Security Finance and spoke to XXXX and XXXX ; I was told by both that my entire payment of {$50.00} went to interest ( XXXX ) and late fee ( XXXX ). None of my payment went towards the actual loan. Furthermore, they call my phone 3 to 4 times a day, 6 days a week. They are overly aggressive and refuse to work with me.
01/19/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ID 83442	Web
End of XXXX or Beginning of XXXX they called my cell phone I had Covid and was winded and could barely talk so I handed the phone to my sister ( boyfriends sister ) and when they asked if this was XXXX she said no the employee went on to give out information including payment, told her it was past due, asked her for a payment at no point did they ask for any identifying information to make sure they were talking to me this is a real problem so the next time they called I confronted the employee he apologized however I wanted the issue fixed so I got in touch with the district manager who got my side and then the employees but they differ as to what happened so all they are willing to do is remove the late fee I dont feel this is reasonable because weather Im right or the employee is right they still did not identify identity before releasing information
12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 294XX	Web
Security Finance Corporation which is a charge off for {$1700.00} account opened XX/XX/2021 ... I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
02/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31326	Web
On XXXX XXXX of XXXX, I filed chapter XXXX Bankruptcy. In the XXXX XXXX ... I notified all my creditors, including SECURITY FINANACE ... .located in XXXX , GA. But for some reason they continue to call me and harass me, not only on my account. But XXXX others accounts of individuals .... who I had referred to this institution .... Things had gotten so bad that I had to file a complaint against the branch manager of this location .... ON Tuesday XXXX XXXX, XXXX, cause she ( Branch Mgr ) had called me on Monday the XXXX of XXXX .... Demanding that I come into her office and make a payment on someone else 's account ... .. I only know her by the name of XXXX, but her illegally debt collecting practicing have reach its limitation with me .... The individual, few months ago, gave me copy of another individual credit report that she had ran ... ..
05/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36116	Web
C/o Security Finance XXXX XXXX XXXX, SC XXXX Good morning, On XX/XX/2018, I paid my account completely off with security finance. I was told by many representatives that negative status would be removed from my account and it would show " Paid as agreed ''. I have called and complained numerous times and nothing has changed. As of today my account is showing closed, account status is still showing I'm 90days pass due on the account which is affecting my credit. Previously my credit score was over 700 until I ran into a financial hardship, my husband was in an accident and my income was the only resource in the household at the time. Once my husband returned to work, I started working on my accounts and paying the balance off. all of my account is showing paid and payment status is showing current because the balance was paid off.
01/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	SC 296XX	Web
I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.
07/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34684	Web
I have an auto loan with PFS financial XXXX. My loan term is 42 months, my payments are {$350.00} a month. I pay my payments monthly and noticed my balance keeps going up and now down. I did fall behind a few payments here an there. A woman from PSF financial came to my job threating me for payment and nonstop phone calls requiring payment. I check my payments to be on XXXX on a monthly basis. I recently checked my car payments to be posted on XXXX and noticed my monthly rate is now {$480.00}! I never received notice of this and am totally unaware as to why its now {$480.00} and not {$350.00} like it is in my contract. Attached are copies of amounts I been paying as of XXXX 2016 until current. On XXXX, it shows I did not miss any payments so I do not understand how my monthly payment when up, especially without my knowledge.
12/27/2017	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	FL 32244	Web
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XX/XX/XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XX/XX/XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 355XX	Web	Servicemember
On XX/XX/23, Security Finance, in XXXX, Al, performed an unauthorized hard inquiry pull on my credit. When contacted and questioned about this issue, they advised they pulled my credit because my payment was late and they had an outdated phone number for me. I told them that wasnt a reason to pull my credit, as they had my email and failed to try to reach me there.. they then gave me the number to their customer relations department for further assistance. I called that department and they advised they could pull my credit if my payment was 30+ days late, which I confirmed it was only 19 days late when they pulled my credit, and I had already scheduled the payment to be paid online. The agent with the customer relations department escalated the unauthorized pull to a supervisor and I havent received an update.
07/13/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	GA 310XX	Web
I'm demanding validation of the debt I alleged owed XXXX pursuant to 15 usc 1692g to Professional Financial Services and XXXXXXXX XXXX XXXX. I'm making it clear I completely disagree with this alleged debt with communication in connection with debt collection 15 USC 1692 ( c ) .I disagree you are the original creditor 15 USC 1602. I'm disputing the entire amount. Your company shall cease and desist harassment pursuant to Fair debt collections Practice Act 15 USC 1692 ( c ) ( d ) ( e ) ( g ) ( k ) ( f ) ( I ). You must rebuttal my affidavit with evidence. Please keep in mind that statements of credit are not proof of a creditor nor is it proof that any transaction took place. Because I am the only party to this transaction I am the only one who verifies whether the information you provide is accurate or not.
06/28/2023	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	IL 60134	Web	Servicemember
I have received a false credit inquiry on my XXXX credit report by a company called : Security Finance. The brick and mortar store shows to be at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the notice through XXXX and consulted with a Fraud Restoration Specialist through XXXX at XXXX. She tried contacting Security Finance on the phone number provided but received nothing but recordings and directing her to a website. The website provided instructions if a credit dispute is required which simply requested a letter in writing to : Consumer Reporting, XXXX XXXX XXXX, XXXX, SC XXXX. I have written a letter via certified mail requiring Security Finance to remove the hard credit-pull from my credit history. I, nor my family, have instigated any reason for ay type of credit pull on our part or against my name.
01/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 29607	Web
I've had this loan for almost a year. Each time I've been given the loan in going over the paperwork there are sections you sign off on for the insurances you get with the loan. I've always marked all the boxes because the lady going over it with me goes over each one. The last time I renewed my loan the lady was incredibly mean and did not take the time to go over everything with me. I was laid of of work on XX/XX/2019 and for the first time had to file unemployment. When I called to let this company know that I will need to file a claim, the lady who answered said I did not get the unemployment insurance and would not be able to file a claim. I explained my side of it and she said do you have your paperwork which I did not get copies of. This loan was based off of my pay before I lost my job.
02/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30134	Web
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/XXXX XX/XX/XXXX
04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79927	Web	Servicemember
Phone call to wife 's phone number asking to speak to me regarding a debt. They would not tell her when she asked but needed to speak to me about a personal matter. I took the phone and the caller asked for my birthdate, which I should have not given over the phone, but I was told it was about a debt that was incurred. I could not recall any debt and I lost my temper because the individual said that they would like to call me back in a few days which I told them in a not so nice manner that they could not call me back in a few days and I continued to tell them that I would contest the debt with the agency named Security Finance. The individual also kept asking for my address but I refused to give it to them. I still do not remember having a debt with them since it has been a few years back.
12/17/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with fraud alerts or security freezes	GA 31088	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
04/18/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 370XX	Web	Servicemember
Someone used my maiden last name and current phone number as a ( reference ) for a loan at Security Finance in XXXX Tennessee. Well evidently they defaulted on the loan because this company keeps calling me leaving messages and harassing me trying to locate the person who got the loan. I have told them over and over I don't know where he's at I don't have anything to do with him please quit calling they continued. I have been talked to in an inhuman way that was totally uncalled for just so I could be taken off of the list... what's so strange is that this person that calls me from this company is using my maiden name which I have not used in 42 years. I'm not sure he used me as a reference I think they're just looking for family members to try to locate this person. Unethical.
01/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 748XX	Web
my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.
04/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73018	Web
I received a XXXX or so check in the mail from a lender in XXXX , OK I decided to use it for a short period of time. Paying it off quickly. I have good credit, and I am very concerned about anyone running my credit without my knowledge or consent., So, on XXXX / XXXX / XXXX Security Finance located at XXXX XXXX XXXX in XXXX ran my credit after my loan was all but paid off. I received an alert from XXXX stating these facts. XXXX at the lending agency stated she " accidentally pulled my credit while assessing another customers credit. '' I do not believe it was an accident. I want this lending agency to write a letter to all three bureaus and undo any possible negative effect this might cause. XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX
07/30/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SC 295XX	Web
I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
09/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	SC 29360	Web
I made a payment that brought my account up to good standing almost two weeks ago. My account was still reported with miss payments and the incorrect balance. Why wasnt my account reported months ago, if and when it went delinquent? Why just now for multiple months, months later hmmm.. Security Finance is obviously not keeping up with there books on a day to day, not even week to week basis because my payment would have been credited to my account and the report file to the credit bureaus would have be correct. Since my account was in good standing at the time of the miss payments & incorrect remaining balance was reported it is false and incorrect information being reported, when the loan party apparently feels like reporting on its clients credit reports.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX SECURITY FIN XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87121	Web	Older American
I have been going through financial hardship and was placed on a hardship payment program with this loan company. I call them periodically to let them know where I am but have not been able to make a payment for quite some time, working on alternative solutions at this time. Last month they call my ex-husband, not sure where they got his number, looking for me. I called them and told them they were not to call him again and not to call anyone else except me. They called him again this month and are violating my privacy rights in doing so. Unfortunately I ca n't pay what I do n't have even if I would like to but trying to do something soon. They have not reached out to me in writing, should n't that be an alternative rather than violating my privacy?
02/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53590	Web
Yes I got a small loan from security finance in XXXX XXXX wisconsin Ive been a customer to them for a couple years have always made payments never missed one they might be late and I pay the late fee but they just call as soon as Im a day late and before I would answer and tell them when they could expect my payments but after the last time I answered their call the lady had the nerve to ask what I did with my last paycheck so now I dont answer until I have the payment which means they call 3 times a day while Im working they have called my references trying to get a hold of me they are worse then mosquitoes Im fed up I plan on paying them I wouldnt not pay my loan off I just want them to stop with all the calls I know if its late Im not XXXX.
04/05/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 305XX	Web
I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29681	Web
I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70560	Web
To whom it may concern, Pursuant to 15 USC 1692h. Multiple debts.If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. As a Federal protected Consumer I am demanding all past payments made on this account referencing the account number below, be sent back to me in a check by mail to the address provided below, as it is a violation of my rights as a federal Protected Consumer under Title 15 Chapter 41 and pursuant to 15 USC 1692h. Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Account number : XXXX
08/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXreaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/17/2023	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	AK 99508	Web
12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. You ( XXXX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is SECURITY FINANCE CORPORATION. Thank you!
12/05/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 298XX	Web
I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31705	Web
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) 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 finish an account without my written instructions. 15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
08/30/2020	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	GA 30117	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.
11/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	ID 833XX	Web	Servicemember
My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.
08/08/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
05/19/2016	Yes	Payday loan	Can't contact lender	NV 89129	Web
I have informed Canyon Finance to not contact me every single day. I can make the payment on the next payday and they keep calling multiple times a day to inform me that I owe them money even tho I told them to stop calling me. They have even called my step sister XXXX and I asked them to stop and they call me and all my references even tho I am paying them but the payment is late. Most places will work with you. They intimidate me to take out another loan and call me multiple times a day if my payment is late. I informed them to stop and they have threatened me with statements like, " we 'll just see about that. '' That was when I told them I would report them to XXXX if they did n't stop calling me multiple times a day.
07/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 544XX	Web
I 've spoken with Security Finance asking for more time, I had asked for an extention due to the loss of my job explained very clearly numerous times that I was waiting for a decision from unemployment and then XXXX when unemployment was denied. I 've attempted to pay with an alternative form of payment other than cash/check, I attempted to pay it off with my credit card and was refused. Now despite talking to me and staying in contact their calling family, and friends with personal information leaving information on others voicemails. They continue to harass, attempt to embarrass, and call after their open hours ( leaving messages not addressing who or why their calling ) despite speaking with me about my situation.
02/09/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76112	Web
I obtained a loan from Security finance. I have received repeated calls in regard to collecting the debt which is fine. However, they are calling me back-to-back. On XX/XX/XXXX they called at XXXX and again at XXXX. on XX/XX/XXXX they called at XXXX and XXXX. I believe that is a form of harassment. I also have repeated calls on several other dates. Since I have not responded they skip traced and called someone that I did not use as a reference and left a message using the words desperately and imperative giving a sense of emergency that I reach them today. They spoke to an elderly person stressing them out. I did not give them permission to call anyone else other than the references on my initial application.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89431	Web	Servicemember
I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.
05/02/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 754XX	Web
Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.
07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 452XX	Web
First, I received information from XXXX credit report. Showing that a point has been taken and that my balance increase {$300.00} between XX/XX/XXXX and XX/XX/XXXX almost like I owe them more money. Sidenote ( I paid {$440.00} to them XX/XX/XXXX and was and still is current on my payment ) I talk with them about this matter today XX/XX/XXXX and they gave me the RUN-AROUND. An addition on all three of credit reports XX/XX/XXXX payment were not reported 5 of those were the 5 first payment and the info one is false and inaccurate. I talk with them about this matter they gave me the RUN-AROUND also putting me on hold for long periods, then hanging up. No one calls back and when I call back no one answers.
02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	ID XXXXX	Web
First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.
03/16/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	AL 359XX	Web
I have had a payday loan with Security Finance for last year NEVER LATE NEVER missed a payment, due 3rd each month. I have social security solo income. I had a large household unexpected issue come up before first I called Security Finance, told them unable to make payment this month get with them XXXX. They have called 3 times since asking if could get payment ( {$100.00} ) and almost demanding, saying company policy I drive in to discuss. I told them I notified and have 4 times now and nothing changes for me to " go in discuss!! Nothing different if I go in!! They are bullying and it is no way to do legitimate business!! They should NOT have right to BULLY people!! They are absolutely hateful!
11/12/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 793XX	Web
The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.
01/21/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 395XX	Web
I have a loan through Security Financial in XXXX Alabama. I have defaulted in the payments but they have. Even harassing people that I DID NOT put on my contact list. They contacted my fience and told him I used him as a contact ( which I did not ) and that he needed to tell me that I must contact them that they were going to take legal action. They should not be able to tell people my business let alone XXXX my name and locate people I know. They also contacted my daughters boyfriends sister and told her that again I used her as a reference ( which I did not because I do not really know her ) and that she needed to tell me to contact them. They are harassing everyone. I owe {$590.00}
11/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 65251	Web
The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. There are also many complaints online everywhere about them not reporting anyone 's credit this year..
05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OK XXXXX	Web
Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
02/25/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web
This debtor will not validate ownership of this debt. They continue to insist that I owe them money for a loan that I did not apply for. I asked for the application verification, etc..to no avail. They menacingly called my home, threatened to negatively report to CRA, repeatedly and stopped by my home personally leaving cards, and quizzing neighbors of my whereabouts. Now, it has shown with a negative impact on my credit report and I want them held accountable. I have asked numerous times to review the loan application that I supposedly completed. I get no cooperation other than threats of damage if it remained unresolved. I would like it resolved once and forever, now.
11/16/2018	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	IL 61820	Web
A company that I have a loan through, Security Finance, has done a hard inquiry on my credit report several times since the initial loan. The original loan was applied for and started in XX/XX/XXXX. Since then they have done a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with someone in the office and they insist that they have only done soft inquiries, which they are allowed to do. However, it is obvious to me that they are routinely performing a hard check on my credit without my permisison. Because they refuse to accept their error and cease this action, I am filing a complaint to have these removed immediately by them.
01/14/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 65721	Web
The predatory lender, Security Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
10/16/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	SC 29209	Web
XX/XX/2023 at XXXX To whom this may concern, This pertaining to account number XXXX. I am requesting that Professional Finance Company sign an Affidavit of truth in writing that I XXXX XXXX and XXXX XXXX are debtors and Professional Financial Company is the creditor and they in fact loaned XXXX XXXX and XXXX XXXX money on XXXX XXXX. During this time I am also requesting that a cease and desist from repossessing my vehicle and reporting any negative items on my consumer report, this will start upon receipt of this notice, due to this being a serious matter I will be waiting for your response if no response next will be a default in all parties will be held liable.
09/23/2023	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	SC 29209	Web
This will acknowledge your notice of rejection for estoppel for payment due to Abscene of lawful money received on XX/XX/2023 ..... I am now requesting this Company Professional Finance to provide proof without a reasonable doubt that my estoppel doesn't pose a threat to our agreement. When you are making me perform an impossibly and if I don't, you will try legal actions against me, how does me the applicant making you aware of these conflicting laws, not have anything to do with our relationship when it's the basis of the relationship. Now I am asking you to prove otherwise. I have also sent this to all parties involved... We are waiting on your response.
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 307XX	Web	Older American, Servicemember
I went to Security FINANCE, TO SEE THE MANAGER ; XXXX. XXXX XXXX WHERE I GOT THE LOAN.SHE SAID ; SHE SENT THEM AN EMAIL ( 3 ) TIMES. THEY MADE AN CHANGE ON THE BAL. BUT IT WASNT RIGHT. I CALLED XXXX TWICE, AND TOLD HER A THIRD TIME WHEN I WAS MAKING A PAYMENT, AND SHE SAID SHE WOULD SENT ANOTHER EMAIL. THEN I CALLED THE HEADQUARTERS, IN S. CAROLINA. THE LADY TOLD ME THAT THEY REPORTED IT, AND ITS RIGHT, I TOLD HER THE BALANCE SAID ; {$340.00}. BUT THE REAL BALANCE IS {$140.00}. They finally dropped IT TO {$240.00}. IT STILL IS WRONG. I NEED YOU TO MAKE THESE PEOPLE REPORT THE CORRECT INFORMATION TO THESE 3 BUREAUS. ITS AFFECTING MY CREDIT SCORES. THANK YOU
10/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 708XX	Web
On XX/XX/2017 the Security Finance called my daughter on her cellphone number that was given as a reference ; told her your parents are 3 months behind on their payments with us- they owe $ XXXX amount and need to come in to take care of this. On XX/XX/2017 we contacted the Finance Company told them that was not proper to call and give out that information and the response was is XXXX XXXX still sick and in the Hospital oh but if you pay this amount we can re do loan but I 'm sorry for that - meaning the information given out. Even after I stated you are not allowed to give out that information I was told I know you are right but it was not me.
10/22/2021	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 36605	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
05/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29605	Web	Servicemember
A finance company Security Finance opened and closed account 6 ( six ) times XX/XX/XXXX to XXXX XXXX then open it again on XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and closed XXXX XXXX and opened again XX/XX/XXXX and closed XX/XX/XXXX and opened again XX/XX/XXXX and close XXXX XXXX XXXX and then again on XX/XX/XXXX and closed XXXX XXXX. They did this on XXXX and XXXX which neither of these 2 companies informed me of anything.This is not ACCEPTABLE. I can't imagine how many laws and rules have been broken, All I know is I feel VIOLATED BY ALL INVOLVED. Security Finance, XXXX and XXXX. How to DEFEND with so many OFFENSES?
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77433	Web
I am being denied credit due to reason being that I am currently behind on payments to a Creditor. I have no current negative accounts on my credit report. I searched and I have notice that SECURITY FINANCE is reporting Acct # XXXX as currently >Account Past Due 60 days<. This account was paid in full in 2018 after some late pay because of Natural disaster Hurricane Harvey. This account need to be removed for incorrect reporting. This account has reported incorrectly for some time and has continuously been the cause of credit denial when my credit report otherwise is clear and Paid As Agreed. I have attached a screenshot of my XXXX report.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77433	Web
I contacted Security Finance on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.
10/10/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30349	Web	Servicemember
I received an auto loan from Professional Financial Services in XXXX of 2022. I got the vehicle from XXXX XXXX XXXX. At that time I was never informed that I was able to rescind my contract, if I found anything wrong or false in the contract or if I'm unhappy with the vehicle. I was also told that I was required to pay a down-payment to drive off the lot with the vehicle. I also never received a full sales contract detailing this " consumer credit transaction ''. I have asked numerous times for a contract so I can thoroughly review it in detail, and I have gotten nothing but harrasing phone calls when they want me to make a car payment.
07/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 763XX	Web	Servicemember
OnXX/XX/2019 I called the two companies that owned by Security Finance Companies and the companies are Continental Credit and Security Finance and both are located in XXXX, OK. I called Security Finance to make my monthly payment of {$130.00} and this company refused to take my payment. I then called the sister company of XXXX XXXX to also make my payment of {$95.00} and each of the payments for each of this companies have been paid early or right on the XXXX. of each month up until this month which is XX/XX/2019. I also contacted these companies corporate office in XXXX, SC and they also refuse to help me make payments.
10/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75219	Web	Older American
i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect
09/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	OK 73044	Web
Security Finance makes it impossible to make loan payments on time by having the online app fail. When customers call to pay, they are unable to find the correct account and pressured to renew or borrow more money. Payments in the mail get lost. Late fees and interest are high, so making payments difficult is a way to dishonestly collect more money from borrowers. My branch is supposed to be XXXX. When I call, I'm told It's XXXX, but they don't have the number. All I have is a handwritten form with the wrong phone number on it. I want to pay on time. I think I've been scammed, and I don't know how to make it stop.
08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AL 350XX	Web
My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.
03/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 452XX	Web	Older American
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. XXXX XXXX this was reported on my inquiry twice same day XX/XX/17on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX to have them removed no action taken.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 293XX	Web
I am behind on my loan at Security Finance. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. Security Finance, XXXX XXXX
05/29/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ID 83301	Web
XX/XX/18 My payment was due Saturday, XX/XX/XXXX. I was unable to make my payment that day due to out of town camping. Sunday and Monday ( XXXX XXXX Holiday ) business was closed. A close friend of mine received a phone call XX/XX/18 from XXXX XXXX/Security Finace, stating I was behind on my loan giving out my information and details about my loan, technically after being only 1 day late! This is not the first time they have given out my loan information to a person over the phone. When I called, the lady was very rude and started making threats over a payment that was 1 business day late!
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75160	Web
This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29611	Web	Servicemember
During the Month of XX/XX/XXXX, I made a request for a goodwill adjustment of my credit. I've continued my account for the past 8-10 years with only one payment past due during either XXXX XX/XX/XXXX My request for a Goodwill adjustment was denied. I always acted reasonably with my account. My wifeXX/XX/XXXX onXX/XX/XXXX, at which time I inadvertently missed a payment. I have been and is still current on this account since my inadvertent error. I simply think this creditor is being unreasonable in this instance due to my long credit history with them which proves my creditworthiness.
10/27/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 65807	Web
They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job
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.
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.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	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.
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65807	Web	Older American, Servicemember
Every time I look I get a hard inquiry from XXXX. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
10/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 703XX	Web
I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! I want this resolved and something done!
10/22/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89119	Web
This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.
05/03/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TN XXXXX	Web
this company is reporting that i have had a auto loan through their company this fraud i never had a loan the document that was sent to me is that i bought a car from a company name XXXX XXXX XXXX which is false and on the document it stated that i traded in a XXXX XXXX XXXX and that false as well look on signature that 's not how i sign document and what was the vin number on the so XXXX that was traded in i guess any one can get a loan through this company all that have to do is steal a person information wow amazing reply to case XXXX
03/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 713XX	Web
my complaint is that the local branch faxed a garnishment-interrogatories and order letter to my job and my check was garnish and I did n't know about it until I had gotten my check. and I feel like my rights were violated because one of my co-workers knew about it and I did n't said he seen it come off the fax machine and I want to know is this proper way it was to be handled. I wanted to call but your office is closed by the time I get off and where I work is too loud so I would really appreciate you guys giving me a feed back as soon as possible.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 284XX	Web
I believe the account is invalid. PROFESSIONAL FINANCE SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.PFS XXXX
01/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76710	Web
XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.
07/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77477	Web
I paid off most of the loan and my husband lost his job which put me in a bind to have to pay off all the bills so I fell behind on the loan now Continental Credit is calling my job and my Supervisor wants the calls to cease or she will get the company attorney to file a suit against them. Continental Credit in XXXX Texas needs to stop calling my job asap. I spoke with XXXX on XXXX/XXXX/15 at XXXX ( XXXX ) and asked her to cease the calls. She said that 's fine and they would n't call anymore if this continues I will sue them. XXXX XXXX
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 78852	Web
They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. They will disclose my personal information in front of my customers and also blow up my phone at work. I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. I have called the cops on them, so they can stop going to my job
06/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37615	Web
Security Finance is harassing me with continuous phone daily on an account I have already spoken to them about. They call every day, even though I have talked to them about it and my understanding is they are not allowed by law to call me for 7 days after I talk to them. They have also called me more than 7 times in 7 days. I have voicemails to this effect. I do not dispute the debt, but I have lost my job and currently have no income. I told them this but they continue to call. Do I have any recourse to stop them from harrassing me?
09/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79936	Web
On XX/XX/XXXX XXXX received and accepted through certified mail a dispute for the following account : ( XXXX XXXX, ACCOUNT # XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
06/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 380XX	Web
The installment loan with Continental Loans in XXXX, TN was opened XX/XX/XXXX and was paid off XX/XX/XXXX but is still reporting on my credit report with a balance owed. I have disputed this information with XXXX several times and they refuse to update this account to paid. There is also another account with the same company opened XXXX XXXX. The account reports late XX/XX/XXXX but has never been late, I contacted the creditor and they confirmed as well this account was never late. THis account was paid off in full XX/XX/XXXX.
05/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	GA 30135	Web	Servicemember
Security finance credit breach payment XXXX liable retrocession payment XXXX [ XXXX [ XXXX [ notarized XXXX total XXXX IRS took XXXX for student loan never had total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total XXXX IRS notarized 5 IRS XXXX total paid XXXX and credit breach XXXX total XXXX trust stage life XXXX total XXXX entire balance paid in full credit breach tax fraud by family XXXX total XXXXXXXX XXXX decrease my SSI sent fake checks XXXX i disputed everything file complaints and or results please help thank you
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61761	Web
I applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 368XX	Web
I disputed an account with Security Finance twice for incorrect information being reported on my credit report. I requested that the company provide documentation to prove the payment history because the payment history is reporting inaccurate and incomplete information, which is a violation of the Fair Credit Reporting Act. The company did not provide documentation of the payment history. It has been 3 months since they received my dispute. The time is up to respond and now this account must be deleted from my credit reports.
01/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73115	Web
I have talked with Security Finance numerous times about my past due payments and have explained to them that I am waiting on my bank history from XXXX so I can refinance my loan. They consistently keep calling me every single day even if I have explained the situation the day before. It is disrupting my work and schooling and it has begun to be absolutely too much and I have explained this to them numerous times. They call my family members and give out my personal loan information such as how much I owe and my total balance.
01/21/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 396XX	Web
Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list
01/21/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 396XX	Web
Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list
11/03/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29681	Web
I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report
06/12/2022	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	AL 36109	Web
This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my authorization.
02/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29707	Web
I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
06/17/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30180	Web
I know I owe Security Finance for a loan. I have told them I have had some financial set backs and will pay them as soon as I can. I can handle them continuously calling me but they keep calling the references on my application and harassing them. Calling them at work, when there at the doctors office over and over again and then being rude when they answer. I have told them on the phone and in writing to stop contacting my references and to not call my work again. They don't think they have to follow the rules.
12/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 380XX	Web
I called to apply for a loan .They ran my credit .They said to call back in thirty minutes .I called back and they said you have been appoved for XXXX said ok i will be up there tommorrow to sign papers, They called back that afternoon and said that i wasnnt approved and i owed money from a loan i had years ago, The other lady had said she had seen it was paid off on my credit report .I called the store where they said to call and she said i did not owe anything .It was paid off .Why did they lie about this?
06/15/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77581	Web
Sunbelt Credit in XXXX XXXX, Texas keeps calling me for a debt owed by a person I do n't know. They keep calling me to see if they can reach him and I have told them repeatedly that I do not know who they are talking about or why they even have my phone number. The calls have been coming for about a year now and each time they tell me they will remove me from the system. I 'm at my wit 's end here. They need to stop. Their phone number : XXXX The last time they called me was today, XXXX XXXX, 2017, at XXXX.
12/11/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30728	Web
Security finance has called me 3 times a day, everyday for the past three months. Theyve called my parents and my job multiple times a day even after asking them to not call a place of business. They have told my job that they will just take me to court and garnish my wages. I never gave permission to discuss the status of my loan. Theyve left me threatening voicemails that I have record of. They have also inquired on my credit once a month without permission that I also have record of and had to dispute.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30286	Web
Security finance in XXXX Georgia made up to 6 hard inquiries and ruined my credit. 5 of the 6 were unauthorized. The asst manager at the loan company told me that they didnt take XXXX XXXX card to pay bill. I XXXX XXXX her personally and she paid with her credit card Im assuming. Late payments reported and I feel like Ive been ruined. My credit was ruined during Covid and I have I believe XXXX because of all. I have repeatedly disputed the hard inquiries with the bureaus and Ive had no luck. Please help!
10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30909	Web
On XXXX/XXXX/2015 Security Finance Corporation/XXXX made contact with a XXXX-party regarding my account and left a threatening message. I have asked Security Finance Corporation staff to contact me directly regarding my account. It appears that Security Finance Corporation deliberately released information regarding my account to an unsuspecting family member to embarass me. It seems that Security Finance Corporation is engaging in oppressive and abusive collection practices. This behavior is not legal.
02/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 30606	Web
After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away.
07/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 763XX	Web
The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.
09/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 703XX	Web
In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is paid in full.
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	GA 30125	Web	Older American
A local finance company charges that I put my car up for security on a personal loan. I 'm late on payment & they are threatening to have me arrested. I never agreed to putting my car up, in fact I did n't have a clear title on the car. I asked her if this meant I was putting up my car, & she insisted no. They also charged me for auto insurance at a huge rate as a requirement get the loan. This was supposed to be a personal loan, not a title loan. I believe the company lied to me on many occasions
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	AL 364XX	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
12/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 294XX	Web	Servicemember
I was informed by Security Finance I owe {$900.00} for a loan. I found out that this loan was paid at the time of the contract with my XXXX XXXX XXXX XXXX. I process the payment again which is twice the payment by XXXX. I am getting calls about payment repeatedly. This loan is paid in full. account # XXXX. I mailed documents to the Corporate office on XX/XX/2022 with notices of cease and desist, remedy letter, letter to creditor, and conditional acceptance. This loan was paid in full twice.
10/24/2017	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	IL 61109	Web
Security Finance gave me a {$330.00} loan on XX/XX/XXXX. I made a {$63.00} payment every month for XXXX consecutive months. My final payment was XX/XX/XXXX. They did not report any of my payments to my XXXX credit report. My loans prior to this one were all reported. I contacted them in regards to this issue XXXX months ( XX/XX/XXXX) before I paid the loan off and they told me that they were updating their system and my payments would be updated. It is now XX/XX/XXXX and I am still waiting.
04/07/2020	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 73110	Web
On XX/XX/2020 continental credit call my parents home number and left a detail information for me to call. Please understand the same day she ( XXXX ) had called my cell phone and left a voicemail I called Continental Credit spoke with XXXX explaining there is no need to call my references when she had a working number for me. She asked does that mean she cant call any of my references. I answered yes. Also I explained u can not leave a voicemail giving details of the debt to my parents
05/18/2017	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30305	Web
I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or " Security Finance '' ac cording to my caller I D ). I did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine. First call occurred on XXXX -2017 at XXXX XXXX EST. Second call occurred on XXXX -2017 at XXXX XXXX EST.
11/27/2023	Yes	Debt collection Telecommunications debt	Electronic communications You told them to stop contacting you, but they keep trying	AL 361XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
07/31/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 296XX	Web	Servicemember
I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.
08/06/2020	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	TX 75071	Web	Servicemember
On XX/XX/2020, I contacted the loan company and agreed to pay the loan that I had. The company had already charged off the account as a bad account. We agreed that I would settle the account for less than was owed since they had already gotten paid because of the charge off. I paid {$450.00}, half of what the debt was. This account still shows as derogatory on my credit reports. I have recently disputed this account and the status still have not been corrected.
07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AL 350XX	Web
XX/XX/2018 XX/XX/2018 XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION 4 TIMES AND I DIDN'T KNOW THAT THEY DID BECAUSE I'M JUST NOW ABLE TO SEE MY XXXX REPORT AND IT DID NOT SHOW UP ON MY XXXX I ONLY INQUIRED WITH THEM ONE TIME AND THAT WAS LAST YEAR AND NOW THEY HAVE MY INFORMATION AND SEEM TO USE IT AS THEY PLEASE AND I AM NOT COMFORTABLE OR HAPPY ABOUT IT THAT IS NOT VERY PROFESSIONAL AND I WANT THIS TO BE HANDLED IMMEDIATELY
04/23/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32065	Web	Servicemember
The loan company ( Security Finance Service ) had made XXXX hard inquiries without my permission back in XXXX and XXXX 2014, the reasons are they were trying to locate. They were n't trying to give me another loan. I believe that this is the FCRA violations and its illegal. I had send them certified mail and talked with the loan company through phone in civil matters. Their response they will not send me a letter or no response at all to settle any dispute.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71106	Web
On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
03/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX XXXXX	Web
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 377XX	Web
So there is a loan company that I got a loan through going on 8 years know and I have contacted them over and over again about why it's still showing on my report they are refusing to remove the account I try to dispute and the dispute says its accurate but there are still refusing to remove it from my account and ik under the credit fair act after 7 years the account is post to be removed from my credit history and they are refusing to do it
04/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37920	Web
I spoke to XXXX at Sunbelt Credit at XXXX today told them I was sick and probably could not pay until Friday XXXX but would call later in the day after I went to the XXXX . XXXX called at XXXX and left a message and then XXXX called again at XXXX and ask wnen I was going to pay, even after I spoke with her this morning. I explained to her that I had spoken to her earlier, she said it didnt matter she needed a date when I was going to pay.
09/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 756XX	Web
Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.
02/28/2020	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	OK 73159	Web
My loan is for {$1200.00}. They are reporting my balance as {$1500.00}, which is causing my credit score to drop since the balance is higher than the high credit amount. They tell me this is the finance charge and that all installment debt is done this way and that is not true. My auto loans never reported that way. I believe they are doing this intentionally to hurt my scores so I'm not able to go to a more reputable place to borrow money.
12/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78748	Web
Security Finance called mother who is listed a reference. They asked her if I was with her and my mom said no. My mom asked why, the representative told her I was past due 2 payments on my loan and have not made a payment and I need to make a payment on my account. The representative had no business telling my mom that I was past due or need to make a payment she violated FDCPA by releasing information about my loan without authorization.
02/13/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 328XX	Web
I bought a new suv and XXXX XXXX XXXX which they failed to disclose they stopped reporting years ago an the company they have my loan with which they own PFS has been licensed in the state of Florida. XXXX XXXX has been sued before for fraud and I am filing federal charges for fraud as well. This company is frauding hundreds of consumers from coast to coast knowing they dont have to report but not disclosing that during loan signature
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30223	Web	Servicemember
I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 315XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
10/31/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 310XX	Web
Professional finance I demand my right to subrogation as the Grantor/Beneficiary/Natural Subrogee in re XXXX I appoint Professional Financial Services as trustees to set off and settle this account at my direction as liable trustees.I demand return of the XXXX XXXXXXXX XXXX back to XXXX XXXX XXXX XXXX XXXX XXXXXXXXand all interest and monies accrued from account returned back to grantor/beneficiary/natural Subrogee XXXX XXXXXXXX.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29651	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.
06/08/2017	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	AL 368XX	Web
I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN XXXX XXXX GEORGIA XXXX THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE XXXX OF LAST YEAR IT SHOWS OPEN WITH A XXXX BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.
07/12/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33781	Web
The car was a lemon When it was first brought they would not let my mother return the car. After a month the check engine light came on the car starter altnator and kept running hot after fixing the car numourus times. PFS than said to Voluntarily Deposed it. That 's the only way they will sell it back .The car was than sold in a auction but bc of it bring a lemon it could not get the full amount on it which was never my fault
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 787XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
05/12/2020	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 713XX	Web
Security finance in Louisiana calls my phone just about every day. I have put this personal loan into a debt consolidation program and they have sent power of attorney and communication by mail. They are still harrasing me and calling my work when I told them not to. Being very nasty attitude. This has been non stop since XXXX. They are even harassing my family and threatened to turn me over to a lawyer and garnish my wages.
03/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 370XX	Web
On XX/XX/2020 Security Finance of XXXX contacted my mother ( I am XXXX years old so definitely not a minor ) because she was on my reference list. They then disclosed exactly how much was overdue on my account and how late it was behind. My understanding is that this disclosure of information is illegal since I am not a minor. I have not given them permission to discuss my account information with anyone other than myself.
09/02/2021	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	TN 380XX	Web
I recently noticed an inquiry on my credit profile from Security Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Security Finance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
12/17/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 791XX	Web
Canyon Fin XXXX XXXX, TX XXXX This company keeps making hard credit inquiries on my credit without my permission. They have made 3 hard inquiries since XXXX without my permission. I have asked them to stop over the phone, and the woman 's reply was that they don't have to, she then hung up on me. The dates are XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have not given them permission to do this or to continue to do this.
07/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 36116	Web
I have several inquiries that was report on my credit report that I did not authorize, and security financial is still report on my credit report after I request to pay but was declined due because the company wrote it off now another agency have it so therefore am no long responsible for it. Please look more into my report so . Am also request that university XXXX XXXX be remove as well. It could be update asap,
05/21/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 782XX	Web	Older American
I'm consolidating my debt with a company and this company has power of attorney over my debts. I've explained this to Sunbelt Credit and they still call every single day, because they don't understand the process. I've explained to them that I can't comment on the consolidation because, I can't. They said that they still have to call because, that's their job. They don't mail statements that I can send to this company.
04/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	TN 385XX	Web
I am being harassed by XXXX XXXX XXXX. They called my work after I asked them to please stop. It is disrupting my day. They even ask my coworkers what my schedule is and what time I will be in. They call me repeatedly over and over again. 4 times in one hour at work. I understand that I am behind and if they want to call my cell phone that many times then they can but to call me that many times at work is unacceptable.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
09/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	ID XXXXX	Web
See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them off.
04/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web
Professional Finance Services this company is making my life a living XXXX they are reporting on my credit bureau saying i have and auto loan with them and it has been repossession i told this company before to send me the document stating that had a loan i never had a loan with this company and they are reporting on my credit of XXXX in XXXX XXXX they want remove this inaccurate information please help
03/30/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37129	Web	Older American, Servicemember
I have been hospitalized twice recently with COVID and have been unable to work. Got behind with Security Finance. Made a payment as per agreement. Lady asked me to tell her when I'd have more payments. I told her I'd try to pay again by XX/XX/XXXX. She said that was not good enough, and that they don't offer payment arrangements. ( Actually she told me no payment arrangements when I called a month or so ago. )
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21122	Web
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
01/04/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 310XX	Web
The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. However, the calls are continuing and aggravating. Thank you.
04/28/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30331	Web
In XX/XX/2021 I was contacted about a late fee by Security Finance. I promptly paid the fee and the agreed amount for that month. Yet Security Finance issued a collection for {$10.00}, and it consequently drove my credit score down 130pts and negated a business deal I had in the making. Their website reflects I have an exceptional payment history. They have violated the FCRA by reporting false information.
09/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 703XX	Web
I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate you.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 293XX	Web
It's been over thirty days and the creditor has not updated the information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information. And they must delete the alleged payments on my credit reports. Under Federal law they had thirty days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
08/20/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 757XX	Web
My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.
09/10/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 361XX	Web
I was approved for a loan that I never paid back so they took it upon themselves to do a hard pull on my credit every month I didnt pay as you see in the photos there were more occasions of them pulling my credit but they fell off my credit report wouldve been reported this but Im just now finding out how. SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30134	Web
XX/XX/2018 I have reached out to security finance in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	SC 29607	Web
I have reached out to All three companies to resolve the issue. My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 741XX	Web	Servicemember
I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. This company is NOT a pay day loan lender.
09/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	LA 71457	Web
I have taken out one loan with security finance and it 's paid off which was 7 years ago probally around 2009. I 'm seeing new loans from as recent as 3 years ago with with them with different amounts borrowed that I did n't make myself. Seems someone used my information to create new accounts with out my knowledge because I never got any mail from them since my first and only loan I did myself.
04/03/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 350XX	Web
After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill
12/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA XXXXX	Web
I secured a loan form security finance XXXX XXXX 2020 ). The loan was for {$800.00}. They took {$200.00} from the principal so therefore I only received {$600.00}. Security Finance is violating the usury laws of my state of Georgia with higher interest rates than allowed and {$200.00} fee charged to me from the principal. Ive been paying on the loan and the principal is still {$600.00}.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either
01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
07/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 882XX	Web
Security Finance in XXXX NM. keeps calling everyday after we go and tell them we will be on a certain day and come out to the house to collect. We try to pay as much as we can and explain to them that when the money is there, we will pay the weekly/ monthly rate when we can. Do to the lack of money coming in from not having a job and recently starting a job, we do the best we can.
03/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79720	Web
So we have had the payday loan with security finance in XXXX XXXX to for more than 6 months now and we are now working with a company called XXXX XXXX that helps with the debt. So the amount on the loan for security finance is roughly for {$1200.00} and I just don't appreciate that they are calling my job and also bothering my family members. I would like it to stop.
09/07/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 359XX	Web
I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.
08/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84790	Web
Security XXXX calls me every single day and at least 10 's a day. This loan isn't even 30 days late, but more like a week. I consider this harassment. Its ridiculous! And I'm sick of it. I can't do a thing until I get paid. I really don't like this Company. I wouldn't ever recommend them. If co-vid hadn't hit so hard, I never would have walked through their doors.
03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78213	Web
Sent letter to CONTINENTAL CR XXXX notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made on XX/XX/2020 and that I was not aware of this inquiry. I requested that the inquiry be removed immediately as this inquiry has been cited as a reason for me not receive credit. I also sent a copy of my credit report showing the inquiry.
02/12/2020	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 Problem with personal statement of dispute	TN 37129	Web
I requested removal of an old account listed on credit report that was more than 7 years old. The dispute results were that the account was accurate, which I never disputed, and would remain on my credit report. No response from company when trying to contact directly, since I used to work for them. I just want them to delete account since was from XX/XX/2010.
06/24/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	ID 83605	Web
I told them I am out of a job and looking for work, but they continue to call my friends and family after I told them to stop. They said they would stop, but did not. Now my friends and family are angry and not sure what they can legally do about it. I have no money, no food and no job, I can't pay what I don't have. When I get a job, I will pay them.
03/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79720	Web
Today on XXXX XXXX the company called security finance in XXXX XXXX tx. Has called my sister and will not stop calling her I already explained to them that I was enrolled in a program with XXXX XXXX XXXX and they will take care of the money due. But XXXX from security finance will not stop calling and harassing my family and I including my employer.
05/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77047	Web
I was reviewing a copy of my credit report and discovered it contained some errors. i am a victim of identity theft. 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 the identity theft. the information does not relate to any transaction that i have made
02/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 88005	Web
Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies.
03/18/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30906	Web	Servicemember
Professional Financial Services of Georgia is using bias predator interest loan high interest rates toward XXXX people by threaten them to be sue by their hired attorneys, for a not valid debt owed money {$13000.00} for a vehicle ( XXXX XXXX XXXX ) that has been repossessed ( Professional Financial Services company of Georgia ) on XX/XX/2018.
09/11/2020	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 36109	Web
I have repeatedly told this company to stop calling because I am in the hospital. Not only are they calling me multiple times a day, they have called all my relatives and disclosed they were going to sue me and questioned them extensively about my hospital status, which is none of their business. The main person that keeps calling is XXXX.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 751XX	Web
15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.
07/29/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 864XX	Web
Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.
02/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37129	Web
I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.
09/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX XXXXX	Web
Security Finance repeated called me on my phone and left voice mails and refused to stop after I told them I was filing for bankruptcy ... These phone calls were so awful that I had to reach out to corporate to get them to cease and desist excessive harassing phone calls ... I still have all their voicemails it was an awful ordeal..
09/09/2020	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	GA 30188	Web
I reached out to Security Finance regarding credit reporting issues that I do not believe is valid. I requested validation of account ( s ), and have not received a response from the company. The USPS Priority Mail Tracking # XXXX, item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 in XXXX, SC XXXX.
04/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70501	Web
Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.
10/24/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30741	Web
An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.
08/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 350XX	Web
Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.
07/23/2023	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	GA 31906	Web
I have never heard of Patriot loans and have never applied for one with that company yet they have over 5 inquiries on my credit report and its damaged my credit report. I reported the fraud to the credit agencies and they said I have to contact the company individually and I did. They have refused to remove the inquiries
02/04/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX XXXXX	Web
Security Finance is in major violation of the FDCPA they've contacted my co-worker " XXXX XXXX '' regarding an account. According to section FDCPA Section 805 ( b ) this is against federal law! This is deemed a violation of the " FDCPA '' calling any third party about your debt such as friends neighbors or relatives.
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	NM XXXXX	Web
I was forced to get a loan so Security Finance could process my XXXX Taxes. But the Loan officer that was doing my Taxes somehow sent the wrong information to the IRS about my claim on my child. So the end result was no Taxes for XXXX and a loan that I was forced into taking so they could file my XXXX Income Taxes.
06/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 73132	Web
I went in and got a small loan 2 weeks after receiving my loan they started calling me two and three times a day for my payment when my payment wasnt even due. Then they would leave many voicemails two and three times a day as well as calling my references two and three times a day before the 1st payment was even due
01/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 622XX	Web
on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
04/24/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37013	Web
Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/19/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37148	Web
I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.
09/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78728	Web	Servicemember
I was never provided with the interest rate of loan only a told amount to pay off after attempting to contact company I was told that it would be at 147 %. I was also not provided a statement or any forms to make repayment since that time company has reported late on my reports and has damaged my credit history.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 380XX	Web
Continental Loans in XXXX, TN has continued to contact my mother ( I am XXXX XXXX XXXX ) regarding a loan I have with them. Once they required HER to make a payment, and yesterday XXXX called her and told her all the details regarding my account. From the date opened, to the amount of the loan, to the payments.
03/22/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TN 37659	Web
Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.
12/15/2023	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	OK 74464	Web
I requested the investigation and documents that prove I gave XXXX permissible purpose to furnish this account XXXX in my consumer report. They have not responded to my letter I sent on XX/XX/23 in which they received on XX/XX/23. This is a violation of the Federal Trade Commission & Fair Credit Reporting Act.
10/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TN 37042	Web
I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.
08/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71202	Web	Servicemember
Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019
05/05/2019	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	OK 73162	Web
XXXX keeps calling me after I have told her to stop calling me regarding someone who has used me as a reference. . I do not have a loan with this company and they keep harassing me after I have repeatedly asked them to stop contacting me. This company has called me several times a week since XX/XX/2019.
12/01/2023	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	TX 791XX	Web
Security Finance, starting XX/XX/XXXX, again XX/XX/XXXX, then once more time on XX/XX/XXXX they have shown up on my hard inquiries.Keep in mind all 3 times without my permission or consent. I did get a loan out through them over a year ago, but was unable to pay them back in full due to financial hardship.
09/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 65721	Web
I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.
09/28/2023	Yes	Vehicle loan or lease Lease	Repossession Loan balance remaining after the vehicle is repossessed and sold	SC 29577	Web
The car was repossessed and when we contacted the company they explained the car was sold, but they are still charging us for the car. Im requesting that this be removed from my credit report immediately. The cars value was {$8000.00} and they repossessed the car for {$2000.00} so its no longer my debt.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 705XX	Web
Information on credit report in incorrect. The last active date and last payment on all 3 creditors and reporting differently Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53704	Web
15 usc section 602 states I have the right to privacy 15 usc section 604 A Section 2 : it also states a consumer may not furnish an account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card and or open -end consumer credit plan as late for any purpose.
09/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74464	Web	Older American
Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.
09/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 76901	Web
I had just gotten out of the hospital and recieved a phone call from sunbelt credit who go through security finance and when I explained to them that I was able to make a payment because I had just gotten out of the hospital the woman on the phone XXXX who goes by XXXX started to cuss and yell at me.
04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37174	Web
I sent a debt validation letter requesting they validate the debt was mine. They sent a letter stating they were not able to find me In their system. I provided an account number from my credit report, my name, and address. They stated they cant find me but will not remove this from my credit report.
07/19/2023	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	GA 30344	Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
07/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 398XX	Web
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76014	Web
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
12/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30815	Web	Servicemember
Professional Financing. we have a loan from them for {$6000.00}. We are not even behind on payments but they call mine and my husband phone 3 times a day to get payment. The payment is only {$250.00}. We have never missed a month and they will call from multi different numbers multi times a day.
07/17/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Credit monitoring or identity theft protection services Billing dispute for services	TN 37865	Web	Servicemember
Security finance in XXXX Tennessee reported late payment to the credit bureau XXXX XXXX 2016 I have since paid the account off and owe a XXXX balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30120	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
07/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29730	Web
i have been getting repeated phone calls every day at different times of the day. i work XXXX sleep day time hours.they have also contacted my family members repeatly also as well they have been out to the house XXXX knocking trying to collect the loan i owe them. security finance in XXXX sc.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
10/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32304	Web
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
08/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 398XX	Web
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 15 U.S.C 1681 Section 602 A. States i have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
05/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IN 46227	Web
I have a big problem with a company by the name of Professional Finance Services I have a loan with them and they keep increasing my principal and interest without explanation for why, I make my payments on time and never late but they keep saying that you owe more than the car was worth.
08/26/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 79603	Web
Have repeated called my place of business. After they said they themselves said they would never contact them. The business has caller identification. So every time they call they attempt to lie and say its not them when they have already been identified before yhe phone is answered.
01/02/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74701	Web
XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.
08/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78728	Web	Servicemember
I never received this loan the company showing on my report refused to send me anything verify the validity of the loan or my request for the loan. I have never received any documentation as to anything regarding this and now they are reporting delinquencies on my credit file.
08/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64133	Web
Company keeps putting hard inquiries on my report every month. I have fell under hardship due to pandemic. My last payment was XXXX XXXX. I do owe XXXX out of XXXX loan. I think the constant hard inquiries are uncalled for and illegal. They are purposely ruining peoples credit
02/11/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 734XX	Web
The loan company called my mother, stepfather and sister on numerous occasions discussing my personal and financial information. Additionally, this loan company discussed with my family members their intent to go to court, garnish my check and make harrassing phone calls.
06/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 455XX	Web
Security Finance in XXXX Louisiana Im behind because i lost my job. They called one of my references and left a voicemail discussing my loan amount how im behind and how much money I am behind. they did not ask how to contact me or where i work but told them about my loan.
01/20/2022	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	LA 706XX	Web
I have been disputing the late payments showing on my account for Security Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
05/23/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30655	Web	Servicemember
I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job XXXX XXXX
11/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29732	Web
I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 296XX	Web
These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). ( Security finance : XX/XX/2021 ). ( XXXX XXXX : XXXX XXXX ). ( XXXX XXXXXXXX XXXX : XXXX ). XXXX XXXX : XXXX XXXX.
08/17/2021	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 281XX	Web
I did not authorize none of the following inquiries on my credit report and I do not recognize them. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Professional Finance # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/08/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	IA 52806	Web
Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 384XX	Web
There are reports contained in my credit file that are well over ten years old like XXXX XXXX and Security Finance and I need them removed. I need to know what I need to do to get this done, so I can begin to work on a fresh start. Thank you for your time.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78253	Web
Security, finance pulled too hard inquiry on my credit without my permission, i called them an asked to take off, in which they stated its in there policy. Its against the law to run someone credit without there permission. XX/XX/XXXX XX/XX/XXXXXXXX XXXX
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73036	Web
I was going to get a loan for a vet bill and when they told me the interest rate I told them no thank you that I do not want their loan I'll just go to my personal bank and they ran my credit anyhow without me signing anything or giving them permission
03/31/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web
Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.
07/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 398XX	Web
I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79902	Web
I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.
10/23/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TN 383XX	Web
On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	LA 70808	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$480.00} ( fraudulent ) XXXX XXXX : {$920.00} ( fraudulent ) Security Finance : {$400.00} ( fraudulent ) Has taken my credit score below average and affecting a lot.
07/16/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 383XX	Web
Repeated calls, abusive language, will not allow us to tell them they have the wrong number, they hang up on us when we try to explain they have the wrong number. They call 5 or more times before noon every day and several times after noon.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35749	Web
I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the XXXX XXXX and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid
07/24/2022	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 307XX	Web
This was a charge off account from security finance in XXXX ga XXXX, I've repeatedly called them and tried to pay it off but they say the accounts closed and written off, but yet they keep hitting my credit with late fee charges,
03/29/2023	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	MO 65202	Web
On XX/XX/2023 I saw I had a credit inquiry with security finance that I didnt authorize to pull credit. I have used them in past. I called them and they said they pulled my credit to get my information and there allowed to do it
03/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29611	Web
The company is abusing my credit by purposely reporting my payment status as 30-59 days past due this month of XX/XX/2019 when it is less than 10 days past the due date. They are using this as a tactic / aggressive collecting.
05/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 782XX	Web
The company put a hard inquiry on my credit and is trying to deny me credit based off of my credit history. The customer service rep stated that it was because of me owing child support. Call made XX/XX/2023 @ XXXX XXXX
12/01/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	GA 315XX	Web
They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.
04/27/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37421	Web
I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 703XX	Web
I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.
05/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 373XX	Web
Manager at Security Finance released third party information about my loan to my ex wife. When I spoke to manager about this, she git attitude with me and told me she is within her rights since my loan was past due.
12/22/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TN 382XX	Web
Im in a dire emergency need help from this loan company Im a great payer never late nor missed a payment and need help for this personal matter that has happened and I need money that I need not no whatever I need
07/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78628	Web
This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.
03/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78550	Web
Loan company called my wife who is not on the loan documents and without my consent and discussed balance, payments, etc. I believe they did not respect my rights as a consumer and my privacy was breached.
12/22/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
12/22/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
08/15/2023	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	OH 43232	Web	Servicemember
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX
04/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46530	Web	Servicemember
My identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. XXXX XXXX XXXX XXXX. XXXX
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89128	Web
Unknown, unverifiable and outdated. I have done business in the past years ago with this company and accounts showing in good standings except for XXXX. Disputed with no outcome. Please help assist me.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
Security Finance 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.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 301XX	Web
XX/XX/22 and XX/XX/22 security finance is showing inquiries which I did not consent to. I have loan with them but did not apply with them again so there should not be any inquiries with that company.
09/23/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 38109	Web
I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit
08/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 64133	Web
Company has been repetitively calling 3 and 3 times a day almost every day. They have called 22 times in the month of XX/XX/2020 it's starting to become unbearable and it feels like harassment.
06/14/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 808XX	Web
I do not have an account with these people and having them calling me 7 times in a row tying up my phone is ridiculous business practice. I DO NOT KNOW WHO THIS COMPANY IS AND WANT IT TO STOP.
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.
03/10/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	SC 29710	Web
XX/XX/XXXX and XX/XX/XXXX I didn't give them permission to run a hard credit check. I contacted there head quarters spoke to two people who told me they don't know why they would do that.
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC XXXXX	Web	Older American
A person from Security finance from XXXX Georgia went to.my former landlord asking where I live then to my present landlord. She then came to my house banging on doors and Windows yelling
03/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 840XX	Web
The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on Sunbelt Credit. I have never been late and they need remove/fix the account.
03/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 791XX	Web
The company keeps reporting me as late but i have asked them to Close this account in XX/XX/2014 as i can not pay it yet they still ahve not closed it and charged it off as asked.
09/19/2023	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	OK 73112	Web
Security finance # 9 keep pulling my credit report without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX
08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX XXXXX	Web
I have repeatedly requested verification of this account and have not received anything regarding my request. This company is listing this as a chargeoff on my credit report
04/23/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 79015	Web
On XX/XX/2021 my mother sent me a message stating that security finance contacted her and divulged my personal financial information to her. It is illegal for them to do so.
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 773XX	Web
I have reached out to the credit bureaus and creditor of these 2 accounts they are fraudulent and affecting me please remove these negative accounts as hey are fraudulent.
04/27/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77489	Web
XX/2015 , {$400.00}, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
03/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37066	Web
company threatened wage garnishment / called my employer while on XXXX leave. excessive phone calls / extremely rude to me / I want a cease and desist put on my account.
10/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web
i have disputed this unverified items with the collection company they have not been able to verify the debt is mine and they are still reporting to credit bureaus
07/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC XXXXX	Web
Security Finance Corporation is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
01/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75154	Web
I dont know the exact dates amounts were paid and I would have to get the information from the company but the last amount I paid was maybe {$500.00} some or so.
01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 890XX	Web
they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.
12/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77346	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77545	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
11/16/2021	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	TX 77449	Web
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
05/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 31021	Web
my business went down and i couldn't afford payments. called company in XXXX to pick payments up by paying it they told me that my account is closed.
10/06/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	LA 710XX	Web
XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65721	Web
RE : Account # XXXX XXXX XXXX currently reporting to my XXXX Consumer Report. This account exceeds the Statute Of Limitations for the State of MO.
02/29/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IN 46410	Web
I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX.
08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92311	Web
I I call maverick finance and explain that I did not open this account. They said theres accounts open online. I told him that I didnt open it..
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74012	Web
My report is showing the same account twice for security finance. Both are filed as charge off accounts but I only have one account with them.
08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 629XX	Web
I recently just started working on my credit and I realized I had a bunch of inquiries on my report that I never made or authorized at all!!!!
12/26/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27302	Web
Went to a dealership where they gave false information to the lender, than gave me a faulty car back in XX/XX/2021 with Professional Finance
07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89119	Web
This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.
03/14/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 305XX	Web
Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job.
10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	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.
11/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Date opened : XX/XX/2019 Amount : {$370.00}, closed @ {$450.00} Contacted company, was not able to get this situation cleared.
09/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 88030	Web
MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 703XX	Web
A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.
10/12/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78610	Web
I have asked them not to contact me at work because I can receive personal calls and they are still calling me at work.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 360XX	Web
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit
07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 433XX	Web
Reporting wrong info on credit report Unverifiable information, unable to provide proof of ownership for the account.
09/29/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30127	Web
Contacting me all hours of the day. Contacting my job. Calling me on the weekends after hours from a text now number.
10/11/2022	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	NY 11226	Web
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33313	Web
I sent the dispute through XXXX XXXX XXXX to be removed due to the seven year limitation and received no response.
07/08/2023	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	TX 79902	Web	Servicemember
MERIT FINANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Place a hard inquiry on my credit without my permission
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 797XX	Web
Every Day Im At Work Security Financial From XXXX Texas Calls About XXXX Times A Day For XXXX Of My Co-Workers ...
06/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29607	Web
They added me for this service without my permission and when I contacted them they are not picking up my call.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61111	Web
This company ran my credit without my consent/authorization. This is complete violation of the fair debt act.
03/13/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 77379	Web	Servicemember
Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years
08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	SC 29651	Web
15uscsection602a right to privacy 15usc1681section 604acannotfurnish a accurate report without my consent
12/17/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	UT 84062	Web
I was in Jail at the time that this loan was taken out so i do n't know how I am anyway liable for this.
04/25/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 730XX	Web
This company continues to contact references after they have told them numerous times to stop contact.
11/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ID 83687	Web
I have reseted my password multiple times and it still says it can't allow me access to my account.
08/13/2021	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	TX 75071	Web
I have been trying to get his account removed off my account. And have disputed it multiple times.
12/12/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	UT 84062	Web
This debit collector does n't have my name correct nor did they put my exact address at the time.
12/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30228	Web
These credit inquiries are unauthorized and need to be removed from my credit report immediatly.
01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
i never signed off on the check and never accepted the loan. this has been done fraudulently.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29501	Web
I have account thats closed and ask them to remove them but they never removed the accounts.
10/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 74136	Web
Company keeps calling my place of employment after being told several times to stop calling.
02/09/2017	Yes	Payday loan	Charged fees or interest I didn't expect	TX 76205	Web
Twi workers from Continental Credit showed up at my house and made threats to my father.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 460XX	Web
I have several inquiries on my report that I did not do ; I sent letters and no reply.
07/18/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75062	Web
This debt collector calls and comes to my home and harasses me at my place of living..
12/08/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 293XX	Web
My social security number was stolen from me to open an account with Security Finance.
12/20/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 741XX	Web
Calls and voicemails everyday calling family members as well have all records saved.
08/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 37601	Web
Vompany repeatedly called and left voice mails. The last voice mail was XXXX noises
04/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 759XX	Web
WHEN I CHECKED MY CREDIT REPORT, I NOTICED THIS ACCOUNT THAT DOES NOT BELONG TO ME
11/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 77598	Web
I dont know what happened i guess thats on whoever let someone run my credit.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web	Servicemember
I dont know the company and they report hard inquiries on my credit report
04/19/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 73505	Web
Repetitive calls as in 4 to 5 calls a day. Not leaving a detailed message.
06/13/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 30165	Web
Calls constantly. Shows up at my house unannounced & beats on my door
11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
Credit Reporting Agencies and Collection Agencies violated the Law.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web
Someone has been opening accounts in my name without my knowledge.
12/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 383XX	Web
I continuously receive calls for a debt that does not belong to me
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36605	Web
A XXXX XXXX was on my inquire that was not authorize by me.
06/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 378XX	Web
I have received XXXX phone calls so far in a 7 day period.
04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
Refuse to validate this account please validate or remove
01/12/2023	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 225XX	Web
Company pulled my credit report without my authorization
09/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29209	Web
I sent several letters I have not got an response yet.
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76134	Web
Account should be closed paid in full on time monthly
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
I want this stuff gone off my credit report.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77901	Web	Servicemember
IMPROPER USE OF CREDIT REPORTING.
09/11/2017	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	FL 34711	Web
fraud on my credit report
04/06/2023	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	IL 60616	Web
I Was A Victim Of XXXX
09/10/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 710XX	Web
Damage credit
01/26/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 70607	Web

01/24/2024	No	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 751XX	Web

01/22/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ID 83642	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 443XX	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 549XX	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95828	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71251	Web

01/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	AR 727XX	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 751XX	Web

12/21/2023	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 78242	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37075	Web

12/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Was approved for a loan, but didn't receive money	GA 31029	Referral

12/19/2023	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	FL 33556	Web

12/19/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30120	Web

12/18/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 31088	Web	Servicemember

12/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 752XX	Web

12/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	AL 36116	Web	Servicemember

12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29690	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31757	Web

11/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64429	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71251	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75951	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92029	Web	Older American

10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	WI 53551	Phone

10/26/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 76137	Web

10/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 63109	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76901	Web

10/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	SC 29569	Phone

10/05/2023	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	GA 30052	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36111	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 35010	Web

09/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 40071	Web	Servicemember

09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	ID 83442	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

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77488	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31015	Web

08/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37329	Phone

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29301	Web

08/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60649	Web	Servicemember

08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29577	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53216	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 Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76513	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29061	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29651	Web	Servicemember

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76549	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65202	Web

06/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37013	Web

06/01/2023	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	FL 33572	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 75156	Phone	Older American

05/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

05/03/2023	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	TX 77459	Web

04/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	SC 29016	Web	Servicemember

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77904	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79762	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30092	Web

04/20/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 75482	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29412	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35485	Web

04/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MO 641XX	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37766	Phone

03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31313	Web

03/29/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	GA 31313	Web

03/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77511	Web

03/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	GA 315XX	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	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	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 75482	Web

03/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49503	Web

03/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NC 28602	Web	Servicemember

03/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	OK 73010	Web

03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79703	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75025	Web

03/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TX 75053	Phone

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77573	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79705	Web

02/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77021	Web

01/30/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70578	Web

01/29/2023	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	TX 77077	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36853	Web

01/19/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30144	Web

01/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28269	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	DC 20020	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64118	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77373	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33614	Web

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31757	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29486	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75605	Web

12/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 46142	Web

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

12/05/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79052	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31088	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29492	Web

11/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31030	Web

11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78634	Web

11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 54660	Web

11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WI 54660	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70517	Web

11/14/2022	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 78541	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27455	Web

11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37013	Web

10/31/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	ID 83702	Web

10/29/2022	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 77004	Web

10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

10/24/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	UT 84005	Web

10/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	GA 30474	Phone

10/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10069	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

09/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53916	Phone	Older American, Servicemember

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

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29102	Web

09/15/2022	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	TN 37042	Web	Servicemember

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65401	Web

08/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31021	Web	Servicemember

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 66215	Web

08/10/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30106	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64133	Web

07/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Report provided to employer without your written authorization	TX 78148	Web

07/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37716	Referral

07/04/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30106	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75570	Phone

06/21/2022	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 53218	Web

06/20/2022	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	GA 30344	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65705	Web

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31061	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65043	Web

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TN 37075	Web

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31016	Web

05/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76120	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38128	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 79763	Web

03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31210	Web

03/16/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78802	Phone	Older American

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77545	Postal mail

02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71282	Web

02/22/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NE 68503	Web

02/07/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OK 74055	Web

02/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 37209	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web

02/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30605	Phone

01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29532	Web

01/05/2022	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75428	Phone

12/29/2021	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	MO 65619	Phone

12/20/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	KY 41544	Web	Servicemember

12/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 77459	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70072	Web

12/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29332	Web

12/08/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 75115	Phone

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OK 741XX	Web

11/09/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IL 62207	Web

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29040	Web

10/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29040	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76708	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63123	Web

09/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29016	Referral

09/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 79411	Phone

09/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	TN 38305	Web

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31721	Web

09/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30223	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53705	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web

08/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75063	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29651	Web

08/16/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30281	Phone

08/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 70570	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77338	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35603	Web

08/02/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	GA 30901	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77044	Web

07/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/14/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	OH 44120	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78046	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 54935	Phone

06/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60104	Web

06/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29532	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30094	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40330	Web

06/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29448	Web

06/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31721	Web

06/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29436	Web

06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29448	Web

06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29448	Web

05/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 39819	Web

05/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29432	Web

05/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75963	Web

05/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	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	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75428	Phone

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62208	Web

05/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

05/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40330	Web

04/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33617	Web

03/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75007	Web

03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76028	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77493	Web

02/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	LA 70503	Web

02/10/2021	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	VA 23324	Web

02/01/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	TX 78728	Web

01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30022	Web

01/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 78628	Web

01/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75063	Web

12/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36274	Web

12/02/2020	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AL 36701	Phone

11/25/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78254	Web

11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY 40210	Web

10/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

10/25/2020	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 30281	Web

09/23/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77084	Web

09/09/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 76049	Web

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31027	Web

08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79403	Web

08/21/2020	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 30281	Web

08/17/2020	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 Their investigation did not fix an error on your report	UT 84041	Web

08/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 23505	Web	Servicemember

08/02/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	VA 23505	Web

07/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76549	Phone

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

06/16/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 63469	Web

06/08/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone

06/02/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 76442	Postal mail	Older American, Servicemember

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70503	Web

05/29/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75482	Web

05/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 61301	Web

05/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 38583	Web	Servicemember

05/03/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 38506	Web

05/01/2020	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	OK 74011	Web

04/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 75941	Web

04/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36111	Web

03/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 64117	Web

03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75056	Web

03/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75433	Phone

02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62704	Postal mail

02/18/2020	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75428	Phone

02/06/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

01/18/2020	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77433	Web	Servicemember

01/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35057	Web

12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76052	Web	Servicemember

12/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29010	Phone

12/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76052	Web	Servicemember

11/07/2019	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

11/07/2019	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

11/07/2019	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

11/07/2019	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

11/07/2019	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

11/04/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 28027	Phone	Servicemember

10/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MO 65018	Web

10/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone	Servicemember

10/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 74873	Web

08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

08/28/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NC 27105	Web

08/28/2019	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	TN 37075	Web	Older American

08/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73505	Web

08/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

07/27/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76102	Web

06/27/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30217	Phone

06/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29150	Web

06/17/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NM 87144	Web

06/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77632	Web

05/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32505	Web

03/28/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 31088	Web

03/25/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 31548	Web

02/23/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 31406	Web

02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77584	Web

02/07/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 54488	Web

02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

12/19/2018	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	WI 53713	Web

12/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 61362	Web

12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29418	Web

10/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	OK 74601	Web

10/26/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 45417	Phone

10/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78621	Web	Servicemember

10/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 30141	Fax

10/19/2018	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 73127	Phone

09/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38464	Web

09/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30728	Web

08/31/2018	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 73127	Web

08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77073	Web	Servicemember

08/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 31015	Phone

08/21/2018	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	NV 89406	Web

08/21/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30241	Web

08/04/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33603	Web

07/31/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 54230	Web	Older American

07/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30122	Web

07/28/2018	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	FL 32640	Web

07/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71368	Web

07/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75154	Web

06/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78226	Web

06/18/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt		Phone

06/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Referral

06/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	GA 30263	Web

05/10/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH 45230	Web

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AR 72933	Web

04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79109	Web

04/29/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32145	Web

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TN 37185	Phone

04/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34669	Phone

04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77541	Web

04/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76048	Web

03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97739	Phone

03/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71052	Web

03/08/2018	Yes	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score		Phone

03/05/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78503	Web

03/02/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	NV 89014	Web

02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	VA 23228	Web

02/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AL 35967	Postal mail

02/27/2018	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX 76233	Web

02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32119	Web

02/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	UT 84088	Web

01/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29579	Web

12/30/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	OK 73601	Web

10/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29568	Postal mail

10/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34698	Web

10/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28307	Web	Servicemember

10/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28307	Web	Servicemember

10/20/2017	Yes	Vehicle loan or lease Lease	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 75707	Web

10/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37228	Web

10/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

10/01/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70394	Web

09/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78043	Web

09/04/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NM 87105	Web

08/15/2017	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	UT 84780	Phone

08/10/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Unable to get your credit report or credit score Problem getting your free annual credit report	VA 242XX	Web

08/07/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30011	Phone	Servicemember

07/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72714	Web

07/16/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89110	Web

07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34698	Web

06/30/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	TN 38133	Web	Servicemember

06/21/2017	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 77598	Web

06/21/2017	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	FL 32804	Phone

06/07/2017	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	NM 88012	Web

06/04/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33781	Web

06/01/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 77041	Web

05/26/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 78148	Web	Servicemember

05/26/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60901	Phone

05/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29405	Web

05/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89156	Phone

04/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70532	Web

04/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60914	Web

03/21/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 88005	Web

03/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37914	Phone	Servicemember

03/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	UT 84106	Web

03/01/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 78220	Web

02/08/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31636	Web

02/03/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36863	Phone

02/01/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	LA 70458	Web

01/26/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75669	Web

01/26/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IN 46268	Web

01/19/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	LA 71049	Phone

01/18/2017	Yes	Payday loan	Payment to acct not credited	TX 79078	Web

01/03/2017	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	TX 76354	Postal mail

12/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35986	Web

12/17/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	GA 31907	Web

12/14/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	OK 74339	Phone

11/23/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 78233	Web

11/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

11/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74066	Web

11/05/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62052	Web	Older American

10/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31792	Postal mail

10/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77627	Web

10/03/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	LA 71201	Web

10/03/2016	Yes	Payday loan	Can't contact lender	OK 73009	Web

09/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30216	Referral

08/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 31545	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79102	Phone

07/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76117	Web

07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89121	Phone

07/01/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	ID 83704	Web

06/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 38040	Web

06/16/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	TX 76207	Phone

05/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	KY 42134	Postal mail

05/17/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79720	Web

05/05/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	ID 83705	Web

05/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53562	Web

04/25/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77004	Web	Older American

04/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	ID 83705	Web

04/12/2016	Yes	Payday loan	Charged bank acct wrong day or amt	TX 76244	Web

04/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NV 89102	Phone

04/05/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 30628	Web

04/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	SC 29588	Phone

04/01/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	NV 89122	Phone

03/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74075	Web

03/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30318	Web

03/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73521	Web

03/15/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30179	Web

02/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AP 96540	Web	Servicemember

02/03/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77803	Phone

02/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 75497	Web

01/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	UT 84404	Referral

01/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	UT 84404	Referral

01/22/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	WI 53597	Phone

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76367	Web

12/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 70508	Web

12/10/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30655	Web

12/09/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	FL 32504	Web

12/04/2015	Yes	Payday loan	Charged bank acct wrong day or amt	OK 73030	Phone	Servicemember

11/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79416	Web

11/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	ID 83442	Web

11/20/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	AZ 86442	Phone

11/19/2015	Yes	Payday loan	Received a loan I didn't apply for	OK 73506	Web

11/19/2015	Yes	Payday loan	Received a loan I didn't apply for	OK 73505	Web	Servicemember

11/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	ID 83442	Web

10/27/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TN 37042	Web	Servicemember

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

10/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79720	Web	Servicemember

10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78410	Web

09/28/2015	Yes	Payday loan	Can't contact lender	NM 87020	Web

09/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71295	Phone

09/18/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53189	Phone	Older American

09/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74017	Web

09/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29223	Web

09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	SC 29687	Web

09/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78624	Web

09/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 79007	Web

09/11/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74017	Web

09/05/2015	Yes	Consumer Loan Pawn loan	Charged bank acct wrong day or amt	SC 290XX	Web

09/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53511	Web

08/31/2015	Yes	Payday loan	Charged fees or interest I didn't expect	ID 83712	Postal mail	Older American

08/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29512	Web

08/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75975	Web	Older American

08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	LA 71295	Phone

08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29651	Web

08/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79415	Web

07/30/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	LA 70535	Web

07/24/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TX 78626	Referral

07/15/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	AL 36301	Phone

07/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30240	Web

06/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX 78626	Web

05/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NM 87031	Web

05/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78221	Phone

05/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31324	Web

05/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29063	Phone

05/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 31029	Web

04/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77488	Fax

04/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53105	Web

04/02/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 63901	Web	Servicemember

04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31329	Phone

04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 78596	Web

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

03/24/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78840	Phone

03/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 38340	Phone	Servicemember

03/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35204	Phone

03/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77642	Web

03/11/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	OH 44129	Web

03/10/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71103	Phone

03/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79936	Web	Servicemember

03/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 43054	Web

03/06/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit		Phone

03/05/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29301	Web

02/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70785	Web

02/26/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78380	Web

02/20/2015	Yes	Payday loan	Can't contact lender	NJ 88007	Web

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37686	Web

02/18/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 88063	Web

02/05/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 75104	Web

02/05/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30501	Web

02/04/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	GA 31302	Web

02/04/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	SC 29730	Web

02/03/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76002	Web	Servicemember

01/30/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	GA 30605	Phone

01/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70522	Web

01/21/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	TN 37398	Phone

01/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TN 37760	Web

01/19/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78029	Web	Servicemember

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38305	Phone

01/07/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 87042	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 75662	Web

12/25/2014	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	GA 31313	Web	Servicemember

12/18/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IN 46256	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	LA 70360	Web

12/11/2014	Yes	Payday loan	Can't contact lender	IL 62363	Web	Servicemember

12/10/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70506	Web

12/09/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 65473	Web	Servicemember

12/05/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71108	Web

12/04/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78590	Web

12/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78412	Web

11/28/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79412	Web

11/26/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61761	Web

11/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 61761	Web

11/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29325	Web

11/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29615	Web

11/17/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76527	Web

11/17/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 65473	Web	Servicemember

11/11/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29170	Web

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77642	Web

11/07/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	UT 84790	Web

10/30/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 88001	Web

10/30/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	IL 62002	Referral

10/29/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 74352	Web

10/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 54729	Web	Servicemember

10/08/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NM 87110	Web

10/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OK 74451	Web

10/03/2014	Yes	Payday loan	Received a loan I didn't apply for	WI 53402	Web	Older American

09/30/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 73160	Web

09/27/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	LA 71108	Web

09/25/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30161	Web

09/25/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	GA 30240	Web

09/24/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77327	Web

09/21/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29440	Web

09/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 75418	Phone

09/10/2014	Yes	Payday loan	Payment to acct not credited	TX 76163	Web

09/09/2014	Yes	Payday loan	Charged fees or interest I didn't expect	MO 65340	Web

08/22/2014	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	AL 36330	Phone

08/22/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 38501	Phone

08/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53094	Web

08/13/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71301	Web	Servicemember

08/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79915	Web

08/07/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35332	Web

08/07/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37415	Web

08/06/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79423	Phone

08/06/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	SC 29565	Referral

07/30/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	NM 88310	Phone

07/29/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30643	Phone

07/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SC 29649	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 79101	Referral

07/23/2014	Yes	Credit reporting	Incorrect information on credit report Account status	AL 35757	Web	Servicemember

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29709	Web

07/17/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	NV 89121	Web

07/14/2014	Yes	Payday loan	Charged fees or interest I didn't expect	MN 55810	Web

07/09/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OK 73107	Web

07/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89142	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37421	Web

06/25/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	IL 61317	Web

06/18/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	LA 71109	Phone	Older American

06/13/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37813	Phone

06/09/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money		Phone

06/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27616	Web

06/02/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71295	Phone

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	UT 84106	Web

05/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33458	Postal mail

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35160	Web

05/06/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	FL 33881	Phone

05/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IL 61111	Web	Older American

04/29/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IL 62221	Web

04/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IL 61401	Web

04/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	NC 27105	Phone

04/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31907	Web

04/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32811	Web

03/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web	Older American

03/27/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TN 37066	Phone

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32177	Web

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27896	Web

03/20/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NV 89015	Web

03/19/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	OK 74343	Phone

03/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75052	Web

03/07/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33563	Phone

03/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 79118	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MO 63537	Web

02/17/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	NC 28704	Web

02/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 79907	Web

02/03/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	SC 29485	Web

01/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37152	Web

01/24/2014	Yes	Credit reporting	Incorrect information on credit report Public record	MO 64465	Web

01/07/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	MO 65601	Web

01/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79605	Web

12/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30135	Web

12/27/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WI 54703	Web

12/12/2013	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 33781	Web

12/12/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76273	Phone	Older American

12/12/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 27288	Web

11/29/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	FL 33319	Postal mail

11/25/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 53948	Web

11/25/2013	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MN 56520	Web

11/16/2013	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 79316	Web	Older American

11/13/2013	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MO 65583	Web

11/13/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	ID 83535	Web

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 74344	Web	Older American

11/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65265	Web	Servicemember

10/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	SC 29706	Web

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53081	Web

10/22/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	GA 30710	Web

10/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OK 73129	Web

10/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AL 35261	Web

10/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	ID 83702	Web

10/01/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 79109	Postal mail

09/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37406	Web

09/27/2013	Yes	Consumer Loan Personal line of credit	Account terms and changes	LA 71334	Phone

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 77571	Web

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AL 35208	Web

09/09/2013	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 78611	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37411	Web

08/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70503	Web

08/28/2013	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	LA 70706	Web

06/19/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53184	Web

05/31/2013	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TN 37090	Web

04/04/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 54143	Web

01/23/2013	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	MS 39120	Web

12/21/2012	Yes	Consumer Loan Personal line of credit	Account terms and changes	GA 31036	Web	Older American

09/28/2012	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73750	Web