| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX Account # : XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I would like Covington Credit to be aware of the following that in the month of XX/XX/XXXX I contacted Covington Credit and all my creditors to ask them to cease and desist calling my phone ... I can establish this was done due to contact I had with one XXXX XXXX a paralegal at XXXX XXXX XXXX XXXX firm that does chapter XXXX bankruptcies ... I informed Covington Credit and all of my creditors of my need to file for my chapter XXXX bankruptcy ... Per the advice given by XXXX XXXX who told me to tell my creditors to contact XXXX XXXX XXXX XXXX firm as they were not representing me for bankruptcy ... I did this and my creditors called XXXX XXXX XXXX who told my creditors that they did not represent me ... Now XXXX XXXX XXXX 's instructions I was told not to pay XXXX XXXX XXXX until I could be the amount in full ... What XXXX XXXX did to me is beyond my comprehension for a woman to do this to another woman is rotten ... XXXX XXXX proceeded to then divulge to me at an in person appointment to discuss my bankruptcy that she also works for as a volunteer or employee at XXXX she is one who fields phone calls from callers who need to talk ... XXXX stands for XXXX XXXX XXXX XXXX ... XXXX XXXX told me that she fielded some of my phone calls ... I informed XXXX this was done and XXXX sincerely apologized for XXXX XXXX 's misconduct ... I also tried to let XXXX XXXX XXXX know what XXXX XXXX did to me but instead of giving me a voice XXXX XXXX XXXX saw fit to send me a letter in the month of XX/XX/XXXX accusing me of not being reasonable and stating that they do not represent me any longer ... That letter is evidence and implicates XXXX XXXX XXXX of misconduct through XXXX XXXX ... I never met or spoke to XXXX XXXX on an individual basis ... The only one I had dealings with at XXXX XXXX XXXX was XXXX XXXX ... What unfolded next was a nightmare for me ... My creditors became angry with me and told me they called XXXX XXXX XXXX that XXXX XXXX XXXX told them in the month of that they do not represent me ... This happened in the months of XXXX and XXXX prior to the letter I received in the month of XXXX ... I am attaching the screen shots of all the voicemails I got from Covington Credit totaling XXXX from the month of XXXX through the month of XX/XX/XXXX ... As these complaints clearly show ... A pattern of abuse unfolded whereby these creditors aggressively refused to cease and desist calling my phone ... I received more than 100 voicemails from different creditors and this does not include the phone calls I answered ... These abusive phone calls interfered with my mental health my well being and my ability to work part time ... I lost time from work and became sick from the stress ... So sick that I developed XXXX on my XXXX XXXX XXXX on my XXXX as my XXXX XXXX XXXX XXXX from XXXX ... I need to take it very easy and I am on medicine now for XXXX XXXX XXXX XXXX ... Prior to that I had to take XXXX for three months in total ... No consideration or empathy or care or concern was shown me by these horrible people and certainly not from XXXX XXXX who set me up to fail and set me up to look like a horses XXXX in the eyes of my creditors ... XXXX XXXX makes her very fine and very good Law firm XXXX XXXX XXXX look bad by falsely claiming they were representing me in XX/XX/XXXX ... I am attaching emails from XXXX XXXX and the letter from XXXX XXXX XXXX to back up what I tell you here ... I have since found a bankruptcy attorney and I have made my first payment ... I ask that this matter be investigated so that the ordeal I experienced never happens to another debtor ever again ... As my call log clearly shows and as my attachments also clearly show ... Egregious misconduct was done to me by horrible people ... I do not know how ones like XXXX XXXX and these creditors can live with themselves or how they sleep at night being so awful ... I am setting the record straight so that this does not ever happen to other unwary debtors like me. Include my Covington Credit loan details here also : Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Original Loan Amount was {$400.00} taken out on XX/XX/XXXX XXXX payments of {$71.00} were made on XX/XX/XXXX and XX/XX/XXXX Account Number : XXXX / XXXX - {$27.00} was disbursed on XX/XX/XXXX adding to the total balance owed which is {$560.00} as of Monday XX/XX/XXXX Call log here : 28 attachments XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove XXXX ( XXXX KB ) Remove Respectfully Submitted by XXXX XXXX XXXX XXXX
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| 08/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I was called by XXXX XXXX on XX/XX/XXXX stating that she seen where I started to apply for a loan, but did not finish my application and wanted me to apply over the phone. I agreed and notified her that I needed {$2000.00} to move my things in storage from XXXX XXXX XXXX. We finished the application and she called me the next day and said I was approved and asked me to bring in my car title for collateral. I told her I had a lein on my car and I couldn't use that as collateral. She then told me that she would just pay off my current car loan and then we could use it as collateral. I was currently paying {$320.00} a month at 8.9 % interest and only owed {$8300.00}. I did not know at that time that any of my current loan conditions would be subject to change. She asked me if I could come in that day to finish the loan and bring her my title to my XXXX XXXX XXXX. I came in after work and gave her the title. She had me change the lienholder as Heights finance on my car insurance while in the office. She made copies of all my required identification and proof of income and residence. She never at XXXX time told me that my interest rate would increase. She did say that my car payment would be a little over {$500.00}. I told her that would be fine because I would not have to pay the {$170.00} for storage each month. She told me that by doing this refinance my car would be covered above and beyond my regular car insurance if it was in an accident, if it broke down on the side of XXXX XXXX or if the other driver didnt have insurance etc She said my first payment wouldnt be until XXXX. She then pulled out her tablet, gave me a stylus and told me to just tap the boxes that she pointed to. I did not at anytime type in my name. I only tapped on the boxes she pointed to. She then printed off some papers, folded them up and put them in a paper folder and gave them to me and I then left the office. On XX/XX/XXXX I received a call from Heights finance asking for my first payment. I told her that I had wondered how I was going to pay because I hadnt received a payment book or a statement. They did not inform me about the Website to make payments. I told her I could pay with my credit card and she told me they did not take credit cards only debit cards. She said my first payment would be {$800.00} and {$680.00} every month after that. I was in shock because she had said my payment would be a little over {$500.00}. I then went onto their website to see the loan conditions, which is where I discovered that the extra {$4000.00} was for insurance. I called and told them that I wanted to opt out of the optional insurance that I knew nothing about and they said I would have to come in and sign a liability release before they could cancel them. I went in and wrote out a statement on a piece of copy paper they gave me. They were not happy that I opted out of this insurance. She did not at any time tell me that the insurance was being paid for by me. In an email that I sent to her on XX/XX/XXXX asking about why I had an extra {$4000.00} added onto my loan as it showed I was owing them {$16000.00} as I had owed XXXX for my car loan pay off with a {$4000.00} paid to me. She told me in the email that it was all interest. I asked her how I could owe XXXX in interest from XX/XX/XXXX to XX/XX/XXXX. She then emailed me back stating that I pay interest in arear and I pay interest everyday that I am in the loan. She even then did not tell me that the extra {$4000.00} was for the additional insurance. I did end up paying the first payment in hopes that I could trade in my car to get out from under this loan. No car lot would touch it due to the amount owed on the car nor could I sell it outright due to the amount owed. After months of calling XXXX XXXX and XXXX XXXX and going to different car lots, calling lawyers, worrying, crying and researching how this happened to me and what I was going to do to get out from under this loan. XXXX XXXX at XXXX said if I could get an offer on my car for {$10000.00} that he would release the title. I was only able to get an offer of {$9000.00} so I called him back frantically and he agreed to release the title for {$9000.00}. I had to borrow {$2000.00} from my Dad in order to pay the down payment on the newer car. They then proceeded to send my account to the credit bureaus bring my XXXX XXXX on all three bureaus by over XXXX points. I asked them to please remove it from my credit and they refused. I had to pay for an attorney to send them a demand letter to remove it from my credit and received a response of denial of any wrong doing on their part and denial of removing it from my credit. My credit was then ruined after working so hard to get it up so my husband and I could buy a house. This ordeal with Heights Finance has cost me months of tears, worry, regret, XXXX and financial trauma.
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| 08/13/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, SC XXXX Collection Agency Name : Covington credit Collection Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip : XXXX, SC XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim 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 blinding 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 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 COLLECTION 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 judgements 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 the 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 COLLECTION AGENCY 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 Cc Federal Trade Commission
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| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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They financially exploited a XXXX XXXX XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX sold me a truck that feel apart in 3 weeks I am writing to bring to your attention a distressing situation that I have been enduring with XXXX XXXX XXXX XXXX, and I kindly request your assistance in resolving this matter.
On XX/XX/XXXX of last year, I purchased a vehicle from XXXX XXXX, hoping to replace my current one due to its aggravating effect on my XXXX XXXX. I specifically expressed my concerns about my XXXX to the dealership, explaining that my shoulder dislocates when attempting to turn the vehicle. The sales staff assured me that they would contact me in a few weeks when the truck I reserved online became available. However, it has been almost six months, and every time I visit the dealership, they continually delay the process, leaving me unable to drive the vehicle I purchased.
Moreover, the financial burden of this situation is overwhelming. I am paying {$900.00} per month for a XXXX XXXXXXXX XXXX XXXX, with a grand total of {$62000.00}, although its MSRP is only {$38000.00}. All I initially wanted was a more affordable truck that would suit my needs. Shockingly, the dealership still has the truck I requested in stock, exacerbating the frustration and sense of exploitation I feel.
In addition to these issues, I recently discovered that my tag information is incorrect and not showing up on the DMV website. It seems that they have mishandled my paperwork and neglected to rectify the situation. Furthermore, despite claiming to support veterans, this dealership has significantly damaged my credit, taken advantage of me and my wife, and subjected us to a series of unscrupulous practices. They engaged in a bait and switch tactic, altered the deal without my consent, failed to provide accurate payment information, and misled us regarding the trim level of the vehicle.
Throughout this entire ordeal, I have been treated with disrespect and disregard for my status as a XXXX veteran. I have invested an extensive amount of time and effort, enduring a six-hour wait at the dealership while they made unauthorized changes to my credit and ultimately informed me that they couldn't fulfill the agreement. As a XXXX veteran, this treatment is deeply distressing, and I am left with no choice but to seek resolution through the FTC or media outlets if the dealership does not address these grievances promptly.
I implore you to intervene on my behalf, as the actions of XXXX XXXX XXXX XXXXXXXX have gone beyond mere incompetence and have ventured into potentially fraudulent territory. Their conduct, from the bait and switch tactics to the deliberate price inflation and false advertising, is reprehensible. This situation has caused significant financial and emotional distress for me and my family, and I believe it is crucial that swift action be taken to rectify this unjust situation.
I kindly request that you direct your attention to this matter and take appropriate steps to ensure that XXXX XXXX XXXX XXXXXXXX addresses these issues, provides suitable compensation, rectifies my credit, and fulfills the original agreement for the XXXX XXXX I initially requested. Your intervention in this matter would be greatly appreciated and would help restore my faith in fair business practices and consumer protection.
Thank you for your time and attention to this urgent matter. I look forward to a swift resolution and remain at your disposal should you require any further information.
Sincerely, XXXX XXXX XXXX Call/Text : XXXX Email : XXXX XXXX
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have contacted the company several times about the identity theft.They can not find the account in their data base and still will not remove the collection from my credit report.I have sent this companI y my id, police report, a copy of my credit report stating the account and FTC report and even though my name or social security number does not match any account in their system they have yet to remove the account from my credit report.I have sent emails, certified mail, and called them several times and they have not removed the account from my ... ..As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt. credit report.
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| 12/26/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
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Southern Finance sent me a check for a pre approved loan to be deposited it was no interest rate or how much the loan would cost I was told that after I deposited the check they would send me the info on the rate of how much the XXXX loan would cost me well I got it about 5 days after I deposited the check when they told me the interest was so high I told them I did not want the loan at that rate why did n't they tell me the rate was through the roof anyone would have not taken the loan out if the rate would have been told or given before hand .. Anyway I finally got them to agree to take the money back as payment in full so I went into the office I gave her the check of the amount of the loan and she told me that it was paid in full that it would n't even show up on my credit report because it would have been like I had n't even taken the loan out this was in XXXX XXXX well I kept checking my credit report to make sure nothing showed up until they put a collection against my credit report that was not dune until XXXX XXXX but nothing showed up from them even showing I had ever had a loan until the neg. item was reported to the credit reporting agency. I called them and was told that check covered 10 payments I told them no that when I submitted the check they told me that it was paid in full and the check shows it was paid in full. Another thing is why would I have borrowed XXXX and Paid it back within 7 days to be making advance payments? It does not make since that I needed a loan for XXXX and then turn right around and make 10 payments in advance 7 days after getting the loan and not to hear anything or see anything on my credit report for 1 year that screams that they are holding me hostage for a loan they accepted payment in full and I have the check. If I was paying on a loan why did n't they report good payments to the credit bureaus instead of waiting a year to put a bad report for collections against me? I have paid them in full and they continue to call and the calls did not start until 2 months ago and at that time I sent them a copy of the check and they told me whom ever accepted the check had no right to tell me it was paid in full that it was put into there system as me paying 10 payments in advance that they did n't allow someone to deposit a loan check and then change there mind without having to pay a fee I told them after seeing what the interest rate was and after I called to see what the interest was you said that would be set at a rate after they pulled my credit that they could n't tell me until the check was deposited then I would receive the contract and at that time if I did n't want to accept all I had to do was pay the money back within 10 days well now they are saying whom ever told me that was incorrect then why did they wait a year after the loan was repaid to start this no hint I had ever had a loan so I took it on good faith that they were telling me the truth a year ago because there was never nothing put on my credit good or bad until last month XXXX of XXXX I have called went in and they tell me that f I would have paid XXXX more when I paid the loan in full it would n't have added up to what it is now. So they are putting XXXX in late charges now for a XXXX loan .. so for a XXXX loan I would have been paying XXXX in interest? I paid them in full 6 days after depositing there check when I found out they were charging 29 percent interest they refuse to remove it as well as I have submitted it to the credit bureaus
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| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX has stated that they have verified this account on numerous occasions, I have contacted Covington Credit and asked for validation of debt documentation ( never received ) and XXXX XXXX XXXX and asked for purchase agreement documentation ( never received ) this is the same debt reporting twice under false pretenses this inaccuracy is a recurring, monthly update on my credit report and I have constantly requested for these erroneous accounts to be removed from my reports but instead the credit bureaus will update the account and then verify the debt. XXXX are consistently violating me intentionally and willfully at this stage. I have persistently informed this company of inaccuracies. The following are all the ways that this company is violating me under the FCRA. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. You have a right to a free copy of your credit report within 15 days of your request. XXXX XXXX The act limits access to your file to those with a valid need. That would usually be banks, insurance companies, employers, landlords or others doing business that involves offering credit. You also have the right to know who has requested your credit report in the last year or, for employment-related requests, two years. Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. Have Outdated Information Removed Negative information must be removed from your file after seven years. Bankruptcy, however, may remain on record for 10 years, and criminal record information can remain indefinitely. Maintain Medical Information Privacy You are protected from having medical information in a consumer report, as creditors are prohibited from obtaining or using medical information when making a credit decision. Limit Unsolicited Credit Offers The law allows you to request to have your name and address removed from unsolicited prescreened offer lists for credit and insurance. The law also allows you to protect your Social Security number by having it truncated on your credit report. Receive Notification of Possible Negative Information You have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. Seek Damages You have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. Know When Your Credit Report Is Used Against You If you are denied credit, insurance or employment because of your credit report, you can ask for the specific reason for the denial. Know Your Credit Scores You have a unique credit score with each credit bureau, which you can request. In some cases, you may be required to pay for this information.
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : 1. XXXX 2. XXXX XXXX of XXXX XXXX 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 03/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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Web |
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I got a XXXX loan from covington credit in XXXX i had a job at XXXX Needed it to help my son.I have been paying on it for 5 years, I still owe XXXX .they said they were helping me on months I couldn't make payment by refinancing for XXXX dollars .they told me it would help my credit scores .they would call every 5-6 months saying I have money like 30-120 I can pick up I earned it .and at first it was a month or 2 added on.I had to stop working in XXXX due joint XXXX .they offered to help I believed them cause They always said and talked about XXXX .they used my belief in higher power to earn my trust .I ended up having XXXX XXXX my husband started working in new mexico my XXXX was expensive.I called and said I could not keep paying them .I wanted to pay it off but they would convince me to take their handout which wasn't one .when I told them it would be a few months before I could pay on it .the manager showed up and brought district manager and threatened me .the manager acted like it was not him .they threatened me with taking my things and sueing all that .so on crutches I had to go into office where they convinced me I needed to refinance again.XXXX when covid hit my husband was layed off i couldn't pay they offers to lower payments to XXXX a month for 4 months .they didn't tell me they were gon na charge me .I checked the amount I owed in XXXX it was XXXX and we were gon na pay it off and be done .but they called in XXXX a week before XXXX and said not to worry about the payment and they were gon na put XXXX in my account for XXXXI checked my stuff a few days agO XX/XX/XXXX it said XXXX was still owed I was shocked and confused and angry I looked at it in disbelief ..I looked online to get help I seen so many bad reviews and that was the XXXX .I seen all I could do so I followed steps I sent message to covington that im not paying XXXX for a loan that should of been paid off and did not call me or come to my house again till I contact u with a lawyer or debt consolidate.XXXX XXXX XXXX XXXX .they started calling me that afternoon and next day which was a Saturday .I 'm not that smart on loans and interest I'm a trusting person and I have been thru so much in the last 5 years.I was paying XXXX a month on this loan even with the handful of times I picked up XXXX XXXX which XXXXwas only once the others were XXXX XXXX thru the 5 years and I missed only a few months during XXXX XXXX and when I stopped working I missed one month .then we made 4 months of 30 payments to cover.so I don't know how this happened.they lied .used my faith and threatened me .Covington credit XXXX tx office .I have called a lawyer and they are in violation .I want to understand how its not paid off .I 'm not paying another penny.
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| 08/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
XXXX XXXX Account Number XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
XXXX XXXX Account Number XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, XXXX, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 11/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us.
This is the Covington Credit located at XXXX, TN XXXX
|
| 04/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
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Web |
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I had made a deposit to my investment bank checking and because it was fro an attorney and not a direct deposit they have to hold the check several days until it clears their bank. In the interim my payment I had sent to Heights Finance came through and did not clear. So I got notice of it from my bank and called Heights to tell them and the assistant said I would have to wait until it comes back to them to pay it as I was going to pay it by phone the same day. Several days later she called and said it had been returned but also informed me they only accept payments by check, no debit cards. I have never in my life heard of anyone only taking checks and I used to be an XXXX XXXX at that very location. I then asked to speak to the XXXX about it and she called me back on my lunch and said them at is the case, no other way to pay. I told her I would just pay it on their site again with a check than. I also told her it would be easier to just walk it in and asked if they have a location in XXXX where I work. She said yes they do and that they could take the payments for me there. I told her I just wanted to move the account to the XXXX location and she said they cant do that. I know they can because every loan company does so. I just moved my other loan I have to XXXX too. She just doesnt want to lose the account. She has already lost my future business anyway as she and her assistant were rude, they dont let you pay with debit card and I dont like checks because they deliberately send them through slowly to try to cause people fees, which they are now trying to gouge me for. It is bad enough they are charging me XXXX % interest when I have excellent credit but just dont use credit much and I work for the State of XXXX! I just told them I would pay the full amount when I got paid the XXXX and then they sent me a letter today harassing me about it again and this time threatening possible late fee and adding of course a {$25.00} NSF fee! I hate people like these always trying to take all they can get from people. I am paying the loan off in a couple of payments and never going there again. I just looked online and their reviews are horrible they are not like they used to be XXXX yrs ago when I worked for them. I tried calling the XXXX number which is suppose to be their corporate office and the phone rings then goes dead. I have a right to have my loan moved wherever I please and I want it moved to XXXX XXXX. I also want to know why this company is only allowing payment by check unless they are doing so for fee income off of NSFs.!!
|
| 06/30/2023 |
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
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|
Web |
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I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your credit bureau, specifically regarding my accounts with XXXX, XXXX, and XXXX.
As per my records, The date opened wrong, date last active, payment history, and date last reported are inaccurate across all three bureaus. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile.
Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts.
I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information.
To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.
It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law.
I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report.
Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue.
Sincerely, XXXX XXXX
|
| 09/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
|
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On Monday, XX/XX/XXXX, I was contacted via phone by a representative from this financial institution. The representative on the phone asked for XXXX XXXX. She proceeded to say that she was calling in reference to a check that I cashed from my account. I asked again where she was calling from and she stated the place of her business. I said I am unaware of what account you are talking about. She proceeds to say we are calling about a check that was sent you at XXXX and gives me my previous address. She never asked me for my address. I responded by informing her that I have not lived at that address for about 17 months. She said did you cash a check into your account for {$600.00}. I again explained that I have no idea what she is talking about, I do not have an account with their financial agency. She asks again am I, XXXX XXXX? I said yes I am. She then discloses my prior address again. I sternly explain, I did not cash a check and I no longer live at that address. She says is your DOB and discloses my DOB information, followed by is your Social Security Number and discloses my entire SSN. I said ma'am where are you getting all of my sensitive personal information. She proceeds to say that they will need to make a police report if I did not sign this check. At this time, she places me on hold and the manager comes to the line and says that I can come into the business and verify the check. The signature does not match and the manager says that I should not file a police report! I asked the manager how someone could cash a check with my name and no identification was needed. She said she did not know. I know that when dealing with sensitive information, especially through a financial institution, sensitive information is never to be disclosed. I feel as though this company broke a breech of privacy and personal information. I did contact the local police and make a police report, I also reported this to the post office as this was a check that was mailed. I have an investigation started with the mobile banking app for the account that the check was deposited into.
|
| 09/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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In XX/XX/2021, I received a unsolicited check to my home mailbox in the amount of XXXX Dollars. The check came attached to a letter with Terms and Conditions. I contacted the XXXX XXXX listed on the letter to confirm that the check was real, as it is abnormal to receive a random check in the mail. The XXXX XXXX Manager, XXXX, confirmed that the check was real and it was an invitation to apply for a loan with Covington Credit. XXXX stated I would not need to pay the full amount of XXXX listed on the letter sent with the check. I informed XXXX I would be paying off the entire balance by the end of the month and she told me that was fine and reiterated if I payed off the loan early, I would not need to pay the entire XXXX. Unfortunately due to an illness, I was unable to make the full payment by the end of XXXX. I called the store and informed XXXX I would need to pay late, to which she agreed. In XX/XX/2021, I made 2 payments, one of XXXX dollars and another of XXXX dollars. On XX/XX/2021, I called the Covington Credit store to ask about paying off the balance. I was told my balance was XXXX dollars. XXXX also encouraged me to continue making XXXX dollar payments so I could " establish time with them and take another loan. '' According to the literature sent to me by Covington Credit, if I followed the 9 month plan of XXXX dollars a month, I would need to pay XXXX dollars, so it is unclear how XXXX had come to this number. On XX/XX/XXXX, I called the store and asked to speak to XXXX, The girl that answered the phone, XXXX, was very evasive and refused to let me speak to her boss. I asked several times, and all she would answer was " regarding '' and then finally said she would not connect the call. I called again and spoke to XXXX, who stated she never told me I could pay less than the XXXX. I asked several times about how she arrived at the XXXX figure for payoff, and she refused to answer my question. She suggested I contact her corporate office and hung up on me. I left a message for her District Manager and have not received a response.
|
| 10/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I submitted to do an application with Heights Finance at XXXX XXXX XXXX XXXX, WI. I submitted an application the beginning of XX/XX/2021. I submitted a credit application over the phone with the employee, had a hard inquiry done. After I submitted all my information and was told I would hear back soon, I got a phone call stating that because my husband is currently an active military member I was unable to have access to any loans. I disputed this as I am the spouse and applied just in my name, with my own income and capacity to be lent to. I was told that did not matter, if any member of my household is XXXX XXXX I would be unable to do a loan. I called back in XXXX seeking a loan because my husband was home from the XXXX and was no longer XXXX XXXX, but XXXX XXXX. I was told again we would be denied because he is in the XXXX XXXX XXXX they are prohibited from lending to any military member. I disputed this then got a call later from them stating I could risk having my credit pulled but if it showed XXXX XXXX then I would be denied. I was 100 % denied in XXXX and prescreened in XXXX for being a military family. I work in lending at the largest loan lender in the US. I am aware of XXXX and laws and regulations. I was NOT denied due to my credit standings, budget, etc.
In XXXX it was simply XXXX XXXX spouse, and in XXXX I never went through with an inquiry because I was prescreened that I would be denied if he was still active. They first tried to deny because he is XXXX XXXX. But I disputed. They had no real knowledge of any military terms but only they were told by their District Manager that any military member is automatically declined. I got the opinion Heights Finance does not train their employees well in lending laws.
To the best of my knowledge this is not OK to deny simply because of XXXX XXXX status. Please investigate to prevent others from being denied opportunities they should be entitled to. I do not understand how a company can flat out deny a military family member access to credit.
|
| 01/25/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected.
Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine.
When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX.
I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person.
I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan.
I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.
|
| 04/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.
|
| 07/31/2023 |
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
|
|
Web |
|
|
For months I have requested that the credit reporting agencies complete a THOROUGH investigation on the following account and send me written confirmation of the method used to verify the information being published to them. They continue to certify that the information is accurate and verified by your company, however I can't help but to notice a plethora of errors remaining within my credit report including inconsistent information between all 3 bureaus when data furnished is from the same source so how can this be? The negligent errors reported within this account have caused issues within my household and are affecting my wellbeing. As a furnisher, there are rules and regulations you must abide by according to the Fair Credit Reporting Act. You are also in violation of FCRA 15 USC 1681eb. Since the account below is charged off as income, I should have received a 1099c regarding this account. I do not recall receiving this from you, but I do understand that you reported this amount as a loss. I will be requesting form 3949a from the IRS because from the reporting furnished to the credit reporting agencies, it seems you are trying to collect on an account that has already been paid. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. COVINGTON CREDITXXXX XXXX I'm willing to cease taking this action if you simply stop reporting this inaccurate information to the credit reporting agencies. I am requesting that you reach out to the credit bureaus and let them know that this account is no longer being furnished to my credit report due to multiple FCRA Violations.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
|
| 03/23/2016 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
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I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you
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| 11/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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It has come to my attention QuickCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately.
QuickCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340.
The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it.
This company called so many times that I had no choice, but to keep my phone on silent or possibly lose my job which caused me to miss a phone call and miss the birth of someone very important to me. She wasn't even able to leave a voicemail because it was full of all their missed calls. This is something that I will ever have the opportunity to experience again.
I have attempted to notify them via email multiple times, but they refuse to respond. While skimming through my spam email folder today I discovered an email from a collection company by the name of XXXX XXXX XXXX, XXXX who claims to have been given my account from another company by the name of XXXX XXXX XXXX both of which I have not had any contact with.
I replied to the from XXXX XXXX XXXX, XXXX notifying them of the unlawful actions of the company and that my agreement with them was legally void. I also typed out a letter with the same notice to them that will be in the mail tomorrow.
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| 02/26/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I'm filing this complaint against this company today because they are and have violated all of FDCPA rules and regulations when it comes to collecting payments. The branch manager especially, XXXX. She is very rude and very unprofessional. I had gotten a loan from this company in XX/XX/XXXX, she was very rude when going over the paperwork. I missed my first payment and advised them that I would be late, the employees called me everyday, I wasn't even 30-days late and they contacted all of my references along with leaving voicemails and on top of calling me during my work hours which I had given and advised when would be the best times to reach me, which was completely ignored. XXXX and he employees harassed me by calling me over three times in one day, leaving me voicemails all in that day, and calling my references and leaving them voicemails as well. My references called back and advised to remove their number from the list and was told that wouldn't be contacted anymore. Today, XX/XX/XXXX XXXX contacted me, she and i talked I advised that a payment was already made online, she still called my job, left a message with my boss, and called my sister after she was informed a month prior to remove her number, which was completely ignored. XXXX, also made an attempt to sabotage a loan I was getting with another company by contacting them back and advising them not to give me the loan, which again is against consumer loan policies. I have forwarded all of this information along with the the phone calls and voicemails over to my attorney and which we will be proceeding to file legal actions against this company for harassment. I no longer want any dealings with this company and I advise that they make no further contact with me. I advise to speak with my attorney.
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| 08/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
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| 07/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American |
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ORIGINAL PERSONAL LOAN - XXXX dated XX/XX/XXXX Amt Financed - {$1100.00} APR 40.47 % Finance Charge - {$410.00} Total Pymts Due - {$1500.00} Term - 18 mos 1st pymt {$100.00} 17 remaining Pymts {$84.00} Closed XX/XX/XXXX after 6 pymts totaling {$520.00} REPLACEMENT PERSONAL LOAN - XXXX dated XX/XX/XXXX Total Amt Financed - {$1100.00} APR - 40.80 % Finance Charge - {$390.00} Total Pymts - {$1500.00} Term - 18 mos 1st Pymt {$84.00} 17 remaining Pymts XXXX Paid Out - XX/XX/XXXX Received - Approx. $ XXXX for early payoff This is the result of a loan company taking a phone payment from me ( my routine method ) and a couple days later an " automatic payment '' from me that I did not go on its website to request. I was told I did. No. As a result, my checking account went negative and I was stuck with overdraft fees that XXXX out my balance. Why would I do this at the beginning of a XXXX shopping/gift giving season? Loan officer said this could be resolved by closing out Loan No.XXXX and opening a new Loan No. XXXX that would include enough money to put my checking account back in the black. I believe that amount was about $ XXXX. I have had problems with what happened because not the norm at all. Would like to put this to rest by determining if money back from the closed loan is still due me or whether I have actually overpaid on this loan. It is just not clear to me.
I have not talked with the Loan Officer because I consider this a very sensitive matter that requires second-party review that would satisfy my concern but possibly cause hard feelings if I am wrong. I have had a total of three loans from this company, the first being back in XX/XX/XXXX. It was a merchant installment loan and my fees/payments were lower.
|
| 08/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I previously submitted a complaint against Heights finance on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided.
The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXX XXXX XXXX offices who we also hve submitted a complaint on.
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXXXXXX XXXX XXXX on behalf of heights as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for heights.
We hve been repeatedly sued for default judgements because of the tactics XXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well.
Heights has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of heights by XXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full.
Since heights stated they gave cranes office account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of heights which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by heights and XXXX XXXX
|
| 03/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
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Heights Finance Corp, represented by the XXXX XXXX XXXX continues to attempt to or does garnish my wages from " seasonal employers '' they are running credit/job checks without my consent or atleast allowing me to revoke any prior consents, I'm a HOF Head of Family who barely makes it as we are in an economic harship and below the Federal Poverty Level , for a loan I took out many years ago {$3800.00} became {$5500.00} now over {$10000.00} with interest at 28 % post judgement as I unfortunately didn't know what I was signing and a default made interest change from 9 % per annum to 28 % this is highway robbery! My point is as I qualify for a HOF Head of Family exemption in my state of Missouri by law they can't take more than 10 % of my disposal earnings however with the high interest rate I will never in my lifetime being below the Federal Poverty Level be able to pay off this debt therefore pushing me into bankruptcy soon. Shame on Heights Finance and their crooked traits even if loan was never defaulted on and legal never occured and I paid on time I would have never paid this much in interest almost triple the original loan in interest alone! This summer I intend to voice my opinion by a peaceful protest on public property in front of there XXXX Mo location at the sidewalk with a banner and signs lined up stating " Shame on Heights Finance Corp '' do your loan elsewhere!!! A multi-million dollar corporation coming after low income families is unjust and unfair! There attorney was so in effective counsel they could have been paid off by the sale of my house a year ago however the XXXX XXXX XXXX failed to file a certified copy to the circuit court so bad attorney on there part.
|
| 12/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
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Web |
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To Whom This May Concern : I have an account with XXXX XXXX. The manager was reaching out to me to speak about a payment on the account. When she could not contact me during the day, she pulled a report and found my grandfather 's information and contacted him. Information, according to my grandfather 's significant other, was given out in regards to an amount of time the loan could be behind. The manager mentioned, " she has been trying to reach me for over a month. '' Feeling skeptical about the information given to them, I filled out a Cease and Desist letter informing the company they may not contact me or my references over the phone due to the issue. I also stated that any correspondence would need to be provided through the mail.
On XX/XX/2018, months after the incident, I received a text message about my account on my phone. I contacted the company and informed them of the issue. I was informed by the branch manager that I would need to call home office. When I contacted home office, they insisted in taking my information, to have a manager call me back, even though I mentioned they could not call.
The branch manager at the XXXX location makes people feel intimidated and requires they must stop by the office. She raised her voice with me and insisted on making a payment arrangement when I contacted over the issue of receiving the text message.
Please feel free to contact me if you need any further information.
( If more dates are needed, I will gladly provide them XXXX This company should have the Cease and Desist on file, as I physically took it into the XXXX office and watch the manager fax/scan it over.
Thanks again for your help!
XXXX XXXX XXXX
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| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I keep receiving repeated phone calls from a XXXX XXXX he claims he works for Covington Credit. Now Covington Credit is located here in XXXX number XXXX same information is on my credit report XXXX XXXX calls me from XXXX number which is South Carolina. I spoke with him today XX/XX/2019 he told me it was an attempt to collect a debt. I informed him that I would like for send to mail me the original documents from the debt because the original loan was paid of and what you are trying to collect is something from a refinance I never new I agree to. I informed him that I receive a call from Covington credit stating I had cash available from my loan and I could come pick it up I said ok because they advertised while paying off your loan you gain cash back. So I went to pick up the XXXX dollars I believed I gain while paying my loan back I just found out from pulling my credit report that it was a refinance on my loan which I never would have agreed to for XXXX when Im half done paying off my loan. So I told XXXX XXXX to mail me all of my documents so I can have an attorney look over them his response was really? I said yes and I dont want you call my phone anymore you have all my information and current address on file so anything you have to tell me you and send it in mail so it can be documented he informed me that he wasnt sending me nothing and hes not going to call my phone no more because my about is about to be changed off I told him I dont owe him he has a contract with Covington Credit not me so until I received the original documents the account is settle he stated again hes not sending me nothing.
|
| 11/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On XX/XX/2020 I received a call at XXXX. The caller asked to confirm my identity then stated that they were trying to get a message to my sister. The caller introduced themselves as XXXX calling from Covington Credit. She wanted me to let my sister know they were trying to reach her. I initially took the information to pass it along, but did a quick XXXX search to confirm if it was a scam or debt collector. I immediately found out is was a loan company, and the first review I read stated, " if you are late AT ALL they will call any family member of yours that they can and harass them. '' That business practice is unacceptable. My sister 's personal business is for her alone and not anyone else 's business. By calling me on my personal cell phone during work hours they wasted my time and disclosed information that should have been kept private between their company and my sister. I also found out that they had also contacted our father and disclosed information to him, including an estimate of the amount she owes. In talking with them he was even told the monthly payment and he told me he sent a check. This company should be fined for disclosing this information and if they cash a payment from a family member they should be shut down. I tried to reason with the manager that what they were doing is wrong, but she was very rude and condescending. If you are going to interrupt my day with something that is not even my financial business then you need to be ready to give a thorough explanation in a respectful manner. I'm sure this manager would not appreciate me harassing her family members.
|
| 01/06/2022 |
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
|
|
Web |
|
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XX/XX/2021 all 3 major credit bureaus received a dispute from me in regards to Quick Credit I requested validation not verification. I requested : 1. Documents from Quick Credit/XXXX bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from Quick Credit/XXXX .
3. Provide the amount of claimed debt, a true bill ; 4. Explain and show me how Quick Credit/XXXX calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay Quick Credit/XXXX what is claimed that I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove Quick Credit/XXXX are HOLDERS IN DUE COURSE ; 8. Prove the Statute of Limitations has NOT expired on this account ; 9. Prove Quick Credit/XXXX is licensed to collect in South Carolina ; 10. If the claimed debt was sold ; provide the accounting in accordance with G.A.A.P.
furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt. SHOW PROOF!
11. Provide the tax exemption for Account Number ( s ) XXXX ; the accounting and copies of ALL I.R.S. 1099 tax forms.
Quick Credit failed to respond to my Validation Notice. 2 ( two ) Validation Notices are attached along with current account information. Quick credit ignored my Validation Notice and my disputes via the credit bureaus and are currently updating my credit profile with unverified account information. Quick Credit are not Holders In Due Course.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
We, the consumers, XXXX and XXXX XXXX, received a letter from The XXXX XXXX XXXX dated XX/XX/2021, stating that we owe Heights Finance Corporation a total of {$1700.00}. We responded on XX/XX/2021 with a validation letter to The XXXX XXXX XXXX which there was no response. We also mailed a debt validation to Heights Finance asking for the original contract, original creditor, as well as all things listed as Exhibit D part 2. Heights Finance responded with a contract that was not affiliated with them, and did not respond to other request that was asked to be presented in Exhiibt D part 2. The contract that Heights Finance mailed to us did not have a signature from Heights Finance. What I did see on the contract about Heights Finance is on Exhibit B, where it states '' This contract may be assigned to HEIGHTS FINANCE CORPORATION ( " Heights '' ). On a letter dated XX/XX/2021 from XXXX XXXX XXXX Exhibit C ), Ms. XXXX states that HEIGHTS FINANCE is the original creditor ( but no signature on contract ). Ms. XXXX also states that, " the provisions of the Fair Debt Collection Practices Act do not apply to us, however to the extent practical and as a reasonable business practice, we attempt to adhere to its provisions. '' The letter from Ms. XXXX XXXX ( Exhibit C ) also states they are not a third party debt collector nor an assignee. Per USC 1692e TITLE 15- This is false and misleading. Per said contract, Exhibit B. We, XXXX XXXX and XXXX XXXX, have also mailed an Affidavit of Truth to HEIGHTS FINANCE, dated XX/XX/2021, ( Exhibit E )
|
| 11/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with Covington Credit dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the XXXX XXXX XXXX XXXX XXXX XXXX to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for Covington.
I received a statement from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating they purchased the debt from Covington yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my XXXX XXXX to drop by XXXX points along with it now looking like I have XXXX separate loans that are outstanding when it's the same loan.
Covington Credit should never have sold this debt to XXXX XXXX XXXX XXXX XXXX since they had never contacted me plus it's now past the 5 year Oklahoma XXXX XXXX XXXX to attempt to collect a debt. Both companies are at fault but due to XXXX XXXX XXXX XXXX XXXX purchasing it, it's now up to them to correct it according to XXXX XXXX along with the FDCPA - Oklahoma Debt Collection Law
|
| 09/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
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, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 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.
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE XXXX XXXX XXXX XXXX FOLLOWING ACCOUNTS, XXXX XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
|
| 05/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
In XXXX of XXXX, someone fraudulently applied for and received a loan from Covington Credit using my information. I didn't find out about this until the middle of XXXX. I asked for and received an affidavit from Covington Credit to dispute the loan. I filled out the paperwork and took it to Covington Credit after receiving it. I was told I could not use the paperwork because I wasn't supposed to sign it without a witness. I asked for another set of paperwork and it was supposedly sent on XX/XX/XXXX. It took me until XXXX to finally receive a new set of paperwork after repeated attempts since XXXX to get a new set. After finally receiving the paperwork, I mailed it back after I completed it except for needing to notarize one particular form, which was not clear to me because the way the form was presented seemed it needed **either** a police officer 's witnessed signature or notary 's signature, rather than both. They sent me a new copy of the form which I managed to have notarized the way they required, and sent that form back to them in midXXXX. I have not received any mail from Covington Credit since then, and the fraudulently-obtained loan remains on my credit.
I request that CFPB investigate this - not only the fraud but the incompetence of Covington Credit in getting it resolved. The final result I expect from Covington Credit is a letter stating that I am not responsible and the loan is removed from all three credit bureaus.
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I previously filed a complaint with Covington credit/SMC due to inaccurate information on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX could not provide validation so they removed it from my account but XXXX still has not done anything about this. They responded to the complaint stating they mailed a copy of my signature which i did not receive and they did not provide with response. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint. If after this complaint it is not removed I will be seeking legal actions. Below i have attached the inaccurate report. From a report on XX/XX/XXXX with all three bureaus reporting inaccurately to the report from XX/XX/XXXX with only XXXX reporting. Please remove this from my credit report
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| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am writing to you to request validation of the debt that has been reported to my credit report by Covington Credit. I have not received any communication from Covington Credit that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).
Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity.
I request that you provide me with the following information : The name and address of the original creditor.
The original account number.
The amount of the debt, including any interest and fees.
A statement that validates the debt, or proof of my agreement to the debt.
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit.
Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report.
Thank you for your prompt attention to this matter.
Sincerely,
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| 03/11/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I didnt apply for a thing, I didnt contract with anyone for a thing! On XX/XX/XXXX I received a call from SOUTHERN FINANCE even though i had already tried to reach out after seeing that a loan was placed onto my consumer report. I am very concerned about how this company received my PRIVATE INFORMATION! My Social Security Number to be exact!! My SSN is my credit card and the source of all of my credit! 15 USC 1602 ( L ). More importantly How was I pre approved for any loan when I never gave this company my information? This company has gathered my private information without my consent and pursuant to 18 USC 1028A, federal law thats identity theft! This company has trespassed onto my ESTATE and are telling I, the consumer that I owe them something! So they commit identity theft, gaining access to my trust account with my open end consumer plan. There is no telling how much this financial institution has taken from me, yet telling me I owe them something? The SSN belongs to the SSA and anything purchased with that identifier number is an obligation of the UNITED STATES 18 USC 8. Meaning anyone attempting to collect a debt is guilty of the FALSE CLAIMS ACT! 31 USC 3729- 3733. This company is committing FRAUD & IDENTITY THEFT & needs to be shut down!!! Will be filing form 14039 & Form SSA-89 with the IRS. These companies are committing fraud and its not okay. Financial institutions cant lend money! 12 USC 83!
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| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I got a consolidation loan from Heights Finance in XXXX Ky in XXXX of XXXX for {$7200.00} I had problems when Goin in to pay my monthly payment. At the time they didn't except cards over the phone. I was told they weren't set up to do it at the time. I tried to break my payments down half at the beginning of the month & half in the middle of the month. They didn't wan na do that. They wanted all the $ rite then & there. For {$7200.00} they wanted me to pay back almost {$17000.00} that's over double what I borrowed. I tried to work with them like I do anyone else I owe! They refused to work with me. They took me to court & sued me for the XXXX On XX/XX/XXXX Which they over charged there as well plus there attorney fees etc... The agreement was? I pay {$200.00} a month until it was paid. I was late a few times on my payment but it was paid. I even paid 2 payments in XXXX. I called to make XXXX 's payment on the XXXX of this month & they refused it. I had been in the hospital XXXX XXXX XXXXXXXX & was a day late. They said I should of called to let them know? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are now trying to garnish my wages from my job on 40hrs a week & I don't work full time. I'm a part time employee at my job. Sometimes im luvky to get 15 hrs a week. Im a single mom. The wellfare of my child is the most important thing to me & she comes first. I don't want this to happen to anyone else!!!
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| 05/21/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/2023 my daughter texted me that I had civil court and the case # was XXXX ; the number the call came from was XXXX and to call XXXX On XX/XX/2023 a voice mail was left on my phone from ( XXXX? ) from Location Services that clearly stated " you have several civil claims or formal complaints filed against you in XXXX XXXX ( mispronounced ) that they will be contacting my place of employment and that once discharged from their office all of my legal rights would be forfeited.
On XX/XX/2023 I called because I knew I hadn't been served after calling XXXX ; it was then that I was transferred to a female who then was fishing for information, did not cite the mini Miranda, I had not been served, I had not been contacted, I was given one of three options, dispute, financial hardship or cease and desist. I said financial knowing that a lawsuit couldn't be filed ( i am on state XXXX low income ) I called because I hadn't been served but disclosing this information in a text to a third party caused XXXX and violated my rights ; I have the text message and the voice mail and XXXX the company only to find all of the complaints against this company to the XXXX began recently and all of the complaints share the same story ; Regardless of the debt itself ; this intimidation is a separate issue and the original creditor or the company that uses Location Services should be liable.
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| 11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
Servicemember |
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I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.
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| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against Covington Credit Texas 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, Covington Credit Texas located 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.
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| 09/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I never applied for a loan and made so many disputes since this showed on my report..I never had a loan from this Heights Finance/ XXXX to miss a payment. My payment history was 100 % before they reported that I had an account with them and then started hurting my credit with 30 to 60 days late payment knowing that the monthly payment as they stated is {$86.00}. I have larger amounts to pay my car loans and some of my credit cards and kept a 100 % payment history before this happened..If it was mine, I would've never risked my credit going bad and I would've paid it all off. But this account in Fraudulent.
During m phone call to this company, I was informed that they send pre approved checks to mail boxes and they sent it to my previous address that I left earlier this year. So no credit application, no risk assessment and when the check went to an old address and God knows what happened with it..They started putting it on my report and I started disputing for inaccuracies first but when thy started blaming me for late payment getting my 100 % payment down to 98 %, I realised that this is Fraud.
Please ask this company if they have any credit application from me, studied my credit worthiness, risk assessment or even made sure the check went to the right correct address and I know for a fact that none of these criteria for lending were satisfied.
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| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Heights Finance renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX. They said they would be printing an issuing a check to XXXX billing directly and that we didnt have to deal with anything else. The loan with heights was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to XXXX. I have submitted disputes for XXXX which hve been returned as denied. Heights finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but heights misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and XXXX will not accept new disputes with document proof since I disputed the debts previously.
XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.
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| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Heights Finance Corp, XX/XX/XXXX &XX/XX/XXXX : Thank you for sending me your internal records of the debt ( HEIGHTS FINANCE CORP ) 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 fromXX/XX/XXXXAND XX/XX/XXXXincluding 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
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| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I finally received rather full copy of my XXXX credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old Heights Finance loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both Heights Finance locations XXXX XXXX IL and XXXX IL and their corporate office as well as to XXXX, XXXX and XXXX!!!
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| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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In response to Covington Credit, I would like to inform you of the inaccurate reporting on my credit file. I never authorized any accounts with Covington Credit. If Covington Credit has the right to report this account to my credit file I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681, and in pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with XX/XX/XXXX. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my public consumer credit file. All information in pursuant to the FCRA section 609. Please provide all records in regard to FCRA section 609.
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurate information be immediately removed from my credit file.
The Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
|
| 07/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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Last year this company reached out to me by sending me a check in the mail. Ad the advertisement to accept the loan, I just deposit the check. Well I was I just stuck in a place and had to accept the loan. The terms are 9 monthly payments of {$98.00}. When I was reaching the end of the loan after making all payments on time, they blocked me from being able finish the last 3 months of payments. I defaulted. Well they reached out and forced me into a refinancing that loan causing me to start my payment cycle from the beginning. This time made all payments on time and they have blocked me from being able to finish making the payments. The website will not allow me to make a payment because they want me to refinance this same loan from last year to continue making payments. I do not want to do this I want to finish paying this loan off and be done with them. All my payments have been made on time as the requirements of the contact. Last month they called me 2 days after my loan was due asking me to pay them more money. When I had made the payment two days before. The loan place is Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Their phone. Number is XXXX if I was to default on my loan they would file a law Suite against me.
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| 07/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
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Web |
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These people are literally harassing me. Theybsent me a loan throughout the mail which i deposited. Because of XXXX the payments didnt start until XXXX, which is when i dtarted my new job AND moved into my new apartment. I needed the extra funds to help with both. Ive never qualified for any rental assistance program so i had to utilize what i had available. Because they deferred all payment until XXXXXXXX XXXX of covid my {$300.00} loan turned into a {$900.00} balance. I did not find this out until i went online to create my account profile to make my payments. I realized quickly i got screwed but i was managing so much that i really didnt have time to complain. These people started calling me EVERYDAY!!! i have never spoken to them at all regarding my account because i literally work XXXX freaking jobs. I work from XXXX monday-Saturday to pay my rent, other bills, and pay of this dang loan!!! I literally pay between $ XXXX at least every other week..even on days i make a payment THEY STILL CALL ME!!! The latest was at XXXX literally!!! Ive gotten the {$900.00} balance down to less than {$400.00} and they still call me EVERY DAY!!! IF I LOSE MY JOB FOR THEM CALLING AND LEAVING ME MESSAGES ALL DAY I AM SUING THEM DIRECTLY!!
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was behind on my loan with Covington Credit. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called Covington again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with XXXX for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.
|
| 11/16/2023 |
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
|
|
Web |
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This complaint is my final communication regarding your claim that the account below is being reported accurately. In your response to complaint XXXX XXXXXXXX, you stated that the inaccurate information such as the Date last active and other information was updated when in fact it is still reporting incorrectly. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I have proof of communication and proof that the account was paid off so why was it sold to XXXX. Lastly the balance that was reported to me is not the same balance I was informed of by the alleged collection agency. The balance they reported was {$620.00}. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX
|
| 12/11/2020 |
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
|
|
Web |
|
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Dear XXXX, XXXX, XXXX Thank you for sending me your internal records of the debt ( Heights Finance ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by Heights Finance Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I noticed a few months ago there was an inquiry to my credit by Covington Credit. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
|
| 08/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
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Web |
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On XX/XX/2018, I revived a call from Southern Finance ( XXXX XXXX ) in XXXX, TN, stating that my lawyer spoke with them stating that Im not fully retained with my bankruptcy and they will continue to do phone calls as they see fit. They first called my place of employment, which is totally uncalled for. Secondly, they tried to get me to come in for an office visit, and thirdly, the manager there was EXTREMELY rude, balatant, and trying to threaten me into paying. Im currently in the process of paying my lawyer fees for the chapter XXXX bankruptcy, but they absolutely refuse to take no for an answer! My lawyer has stated to me to not pay them, to pay him instead. Which is what Ive been doing. The least they can do is cooperate with my wishes and stop using tactics to scare me into paying a debt that is not legally secured. Secondly, they need to stop harrassing me with phone calls and visits after Ive repeatedly told them to stop, because legally, if I tell them not to call me, theyre not supposed to. I just want this resolved and for anyone trying to better your situations, to be aware that these people are predators and will do anything to get your money and meet their quotas!
|
| 03/02/2023 |
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
|
|
Web |
|
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Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
|
| 06/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
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Web |
|
|
Repeatedly called my job. Repeatedly called my references. Calls me numerous times a day starting at XXXX.
I asked them to stop calling my job and they continued and then a representative named XXXX called my job threatening legal action and demanding to speak to my manager.
I spoke with the manager at this location ... Covenington Credit in XXXX XXXX Al XXXX ... and told her everything and asked that they not call my job or references. Told her it feels like I'm being harrassed because I missed a {$99.00} payment when my hours were cut at work. She assured me they wouldn't contact me at work or my references. Then the numerous harassing phone calls started. It has gotten so bad that I blocked them from calling. My phone won't ring but they still get my voicemail. Yesterday they started at XXXX XXXX. Last week it was at XXXX.
I want them to follow guidelines and asked them to do so and yet they still continue. I don't know what else to do. I am doing side jobs to try and earn the money to pay them. They will not do any type of arrangement during pandemic shut down because I was employed no matter that my hours were cut drastically. I am no longer employed.
|
| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have another complaint against this XXXX company Heights Finance with you XXXX after they lied to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
|
| 12/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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in XXXX Covington Credit incorrectly reported a debt collection on my credit report beginning somewhere around {$300.00}. Since XX/XX/XXXX they had changed to status as an " open '' account. Every month since XX/XX/XXXX they have " closed '' then " reopened '' the account increasing the balance due every single time it's " reopened ''. My report currently states that it was opened in XX/XX/XXXX when they have actually had this snowball account reporting since XXXX. They now show a balance of {$840.00} and state that payments were made the past 2 months. All of this information is incorrect. I've tried disputing the account as fraud which has been ignored. I have over a year of active " open '' " closed '' " paid '' " late '' statuses all submitted at random times. They have done this to keep the account ACTIVE on my report versus allowing it to be written off or disputed. It's FRAUD. The account is not mine, the balance is TRIPLE what it started out as and they are reporting FALSE information. ( Made payments, missed payments, account closed, re-opened, etc ) Joke of a company. OVER 3 YEARS OF FALSE INFORMATION.
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| 03/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.
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| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XX/XX/XXXX, Quick Credit in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXX and never repaid it. They also reported that I took out the loan in XX/XX/XXXX and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but Quick Credit still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.
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| 07/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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I obtained a pa yday loan through Quick Credit in XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my XXXX children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single payment a month fit for my income, and they will take th e 1st payment XXXX XXXX 2017, Quick Credit has called my phone, my job, friends and family relentlessly!! They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior to XX/XX/XXXX , stating they will pay them XXXX XXXX monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do! XXXX XXXX XXXX the debt consolidation place referred me to reporting them here!
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| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX is reporting the account with Covington credit/SMC inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX could not provide validation so they removed it from my account but XXXX still has not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
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| 12/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I received a call XXXX from local branch. ignored call because I didn't know the number and I was at work. They left a voicemail. My then ex boyfriend called me and said the same number had called him and he gave me the name Covington credit and number to call back. I then checked my voicemail. The voicemail said I owed a small personal loan. That I cashed a check from them. To which I said no I didn't I have never talked to you before. Apparently it was a check mailed to my address that if cashed or deposited, automatically opened a loan with their company. First of all how ridiculous is it that no paperwork has been signed by me or anyone in my household but all of a sudden I owe for this loan? I would love to see the signed paperwork from this company for this loan. I repeatedly told them to not call me or my ex boyfriend again. But yet I received a phone call yesterday I didn't answer. And I received a call today I didn't answer. And then they called my ex boyfriend again a few minutes later. Why are they still calling when I have asked them not to?
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| 02/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX I received a letter from Covington credit about repeated attempts to collect a {$160.00} payment. They say they have been calling everyday for weeks to collect payment. They also say if I dont pay them soon further action will be taken whatever this means. This abusive debt collection experience has affected my health and caused significant damage to financial and credit account history. My financial and credit accounts at XXXX XXXX have been closed due to significant debts already owed. I am having to support myself and my family and put food on the table. My parents can not afford to buy food and pay their bills. Therefore I am having to help them pay for food and other items. I also owe other lenders and bills so I am trying to pay those and whatever I can. However Covington credit can not establish some sort of payment plan that is affordable. They only provided one instance where they accepted partial payment. If they can do that then something could be arranged to repay the loan taken out in XX/XX/2022.
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| 01/02/2023 |
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
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Web |
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Hello, I have a false collection account that showed up on my XXXX credit score as of today, XX/XX/XXXX. This false collection account shows up as : XXXX XXXX XXXX XXXX The original creditor for this account is : SOUTHERN FINANCE/SMC Southern finance is a loan that I took out on XX/XX/XXXX.
On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report.
However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( XXXX XXXX XXXX XXXX ), which brings me to my original comment. This new collection account shows up with the following comments : " Collection account. {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with SOUTHERN FINANCE. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to qualify with potential lenders.
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| 04/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have told Covington Credit/Southern Management Corporation numerous times in past 2 months to stop calling me as I have setup arrangements with them but they continue to call once payment arrangements are setup and they continue to call me by my maiden name as I have gotten married and my name has changed which I told them about and they say they changed but again continue to call me by my married name. My most recent call as of yesterday XX/XX/19 they called and asked for my maiden but then at the end of the call called me Mrs XXXX my married name. My husband who works in XXXX XXXX has told them as well do not call and cease and desist. And they continue ... Southern Management Corporation aka Covington Credit is harassing me and I as a consumer feel very scared and uncomfortable with doing business with them or talking to them. I demand my rights as a consumer be taken and am giving this complaint as I have the authority and right to do. Please take action on this harassing and embarssment of a company.
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| 09/26/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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Web |
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I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.
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| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, XXXX XXXX. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Heights Finance continues to frivolously report to all major credit bureaus late payments in a blatant attempt to make my credit suffer although they have a judgement in court against me! They are reporting late payments although they have a attorney and judgement on me a {$5000.00} loan has turned into over {$12000.00} they are adding excessive interest knowing I am the " Head of Household '' and only required to pay 10 % a check pursuant to Mo law, and therefore will unfortunately never be able to pay it back! They refuse to help or be understanding of my " low income '' and being below federal poverty levels, they love to charge 50 % interest even though they have a judgement for that it is definitely highway robbery! Shame on Heights Financial for not being understanding and allowing me a payment arrangement without the 50 % interest I have to work as self employed as I unfortunately won't ever be able to pay them back with such high interest rates and plus reporting bad to credit is so unfair!
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| 04/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I received a loan from a company name " Fast Path Loans '' in the amount of {$600.00} by way of a check that was sent to me in the mail. After making several payments on the loan they are still stating the payoff amount of the loan to be around {$600.00} to pay it off because the interest is assessed at the beginning of the loan and made part of the initial loan amount even though I only received @ {$600.00} the say the initial loan amount was in excess of {$800.00} I know the nature of interest and fees and how they relate to a loan and this process has to be incorrect given the terminology used even though they " fully disclosed '' on the paperwork they sent me. The called it interest which is accrued over time where as fees can be almost anything that is added on to the loan at the beginning for purposes of you using their money I understand and I get it this company is just playing fast and lose w/terminology to make their loans not seem as bad as they are which is " unfair and deceptive ''
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| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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I have been sued by a finance company for {$10000.00} plus fees. The motorcycle was purchased by an individual by the name of XXXX XXXX who has stolen my identification she also had stolen the motorcycle from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX of 2020, after being in a crash by someone. I submitted a fraud claim with the company and also did an identity theft report on the individual who did this to me. When I received documentation from the XXXX XXXX XXXX I was given a copy of my ID that is unverifiable from an email that I sent to an XXXX management back in the beginning of the 2020 and along with forged documents of my name. I informed the finance company of everything and provided them with police reports and fraud reports but nothing worked in my favor. Now I am being garnished and my credit report has been ruined due to this situation. Ive also gave what I could on the motorcycle, but Im still in a hole and need help. I did try to do an small claims but it was denied as well.
|
| 04/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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This company has been inaccurately reporting my status. Ever since XX/XX/2018 I hired XXXX XXXX XXXX as my power of attorney to help me settle my XXXX XXXX. I will be attaching all the documentation. They were constantly being contacted by the law firm to try and settle but they kept refusing. However finally recently when Covington credit used a XXXX party collection agency, I was finally able to settle my debt with Covington credit for {$390.00} paid in full mid XXXX.
This company knew that my lawyer has been trying to settle with them. I understand that I was behind in my payments but to indicate my account as charge off when they knew I was under contract with XXXX XXXX XXXX seems very unethical. Plus, I was to make no contact with them individually per my lawyers request.
I have attached as much documentation as I could. I should not be penalized for the lengthy and grueling process of the back and forth of settlement offers between my lawyer and Covington Credit.
|
| 10/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company continues to harass me via phone, personal cell and work phone.
In XXXX I called in to make a payment arrangement with one of the associate for XX/XX/XXXX to make XXXX payment, I explained i will be late and why and was told okay to the arrangement. I then two days later start to receive back to back calls and voicemails to call the office. I then get calls on my work line starting XXXX. I involved the associate to not to call my call and that they could continue to call my cell and I will improve my communication being that i also work the same hours as their business. I asked to speak to the manager during the same and also asked her to notate to never call my employment, she also confirmed that she will. In XXXX I am now still receiving calls at my employment. I am harassed on my personal number with rude and unprofessional comments from the associates in the office. It takes a strain on my mentally and at my employment with the personal calls.
|
| 10/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
I fell behind due to medical and XXXX XXXX has continued to harass me and my family. They have been calling my references at least twice a day telling them they been trying to get in touch with me and no response. I have my whole family telling me to pay my Bill 's and to tell the loan company to stop calling. I definitely intended to pay my debt to them. From all the stress o have been through now my family and friends are not even speaking to me because I owe money and they are being harassed. I've told them when they come to my home my situation and offered to make a payment online and she said no I need to talk to XXXX. The first time they came to my home I called XXXX and she demanded me to come in I told her no. She said I had to so I told her I would make a Payment. My car was not working properly. They have been to my home four times and calls me and my family. There address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and phone number is XXXX.
|
| 12/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
|
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XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back.
XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up.
XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone.
XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX.
I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was reading on the settlement for XXXX. I wonder why you haven't gone after a company like Heights Finance for similar practices. I had a loan with them several years ago and when I got to the office to sign it already had every kind of insurance product on it, including their home and auto. It wasn't discussed with me at all. When I said I didn't want it, they told me it was already part of the loan. I ended up calling and cancelling the coverages, but I didn't get any interest refunds. I feel like XXXX 's practices seem far superior to Heights Finance. I have even had my ex-husband and step-son get loans with Heights Finance and they did the same thing with the Auto plan. At least with my step son the first time he got a loan with them, they told him he NEEDED the auto plan in case he hit someone with his car, it would help him with it? Really??? Scare tactics? So why CFPB aren't you looking into companies like this?
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received a call from XXXX XXXX with XXXX XXXX XXXX XXXX regarding a debt, account number XXXX. I communicated to her that I've been paying the debt for 5 years, and it hasn't decreased. I told her that I'm being charged interest daily. I then proceeded to attempt to say that I've tried settling ; however, before I could state this. She said okay, I'm going to recommend my client to file a lawsuit. She then disconnected the call. I called her back, and the call went to voicemail. I've been paying {$60.00} or more, monthly, on the debt since XX/XX/XXXX. The balance has not decreased. The balance started out at {$2900.00}, and is now over {$3000.00}. I attempted to settle ; however, they would not allow a settlement. I've paid over {$3000.00} on this debt in the past 5 years. I filed a complaint before, and XXXX XXXX was upset, and mentioned it to me. She is now retaliating. The most recent payment was made in XXXX, XXXX.
|
| 09/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I called and spoke with a Ms. XXXX with Covington Credit Collections to make a settlement payment in the amount of {$200.00} from a balance of {$340.00}. It was agreed to payoff the settlement in the amount of {$200.00}, payment was made with a Visa Debit Card on XX/XX/2019. I later find out that It was reported to XXXX that I owed a balance of {$130.00}. Covington Credit Collections reported to XXXX no collections, reported bad debt to an to XXXX. This company is fraudlent trying to destroyed my credit through another credit company. They will lie to you about paying off your debt as if you're making payments that I didn't agreed on. The staff is very rude to you, with very poor customer services. This was a " settlement to clear a debt owed and not make monthly payments. I also continue to call for a receipt but the company never would release it. The payment was bank drafted from my checking account.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXXy showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXX with XXXX XXXX with a closed date of XX/XX/XXXX and a balance of {$720.00} XXXX XXXX XXXX has a new open date and delinquent date as XX/XX/XXXXXXXX XXXX with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Quick Credit have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Quick Credit is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..
15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Covington Credit is reporting a charge off account on my credit reports with a balance of {$720.00}. Note, charge off. Covington Credit charged off the account and sent /sold the account to another company, XXXX XXXX XXXX XXXX who is sending me letters for the same account and same balance {$720.00}. This company started sending letters in XX/XX/2021 so Covington Credit has had plenty of time to correct this on my credit report, but they have not. See the attached documents. Covington Credit is in violation of the Fair Credit Reporting Act. They can NOT report an account with a balance that has been charged off and sent/sold to another company. I have disputed this account multiple times and it is STILL on my credit reports with this balance. Again, see the attached documents showing the account with the balance on my credit report by Covington Credit and also the collection letter from XXXX XXXX.
|
| 03/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After a car accident due to the car hydroplaning in late XX/XX/2020. I spoke to XXXX and let her know i was coming to get my things out of the car. They were in such a rush to sell they got rid of the car before i could get my things when i areived they were remorseful and told me there is normally a cost of {$500.00} after a total loss but they would waive it because they got rid of the car with high value items inside. After complaining to them about my irreplaceable items they were upset and when i left they decided to put that charge as well as other chafges on my credit eventhough i do not owe a single dollar. I had gap insurance through that company who i bought the car through them. l can provide proof that this has affected my credit and my ability to get future loans and I have been dealing with homelessness due to this hardship. I reached out to this company and they werent empathetic.
|
| 12/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option above
|
| 03/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I was a victim of identity theft with multiple local loan companies in XXXX SC. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
|
| 01/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/XXXX in the amount of XXXX dollars owed to heights finance I have asked on multiple occasions for later pay date when I actually be to able to make payments of XXXX the date that was given to company but yet Im constantly seeing that my credit score has fallen after I have made 5 other payments.
XXXX XXXX XX/XX/XXXX the amount of XXXX I have requested a pay off date when I can actually pay in full the declined as they interest will go up daily after the fact I have been trying to work things out to get it paid and was noted in the contract XXXX XXXX XXXX IN THE amount of XXXX financed vehicle XXXX XXXX XXXX I have been making on time payments yet make credit score has not been boosted for making the payments on time they told me it will when I first purchased back in XX/XX/XXXX yet my credit has not been moved at all as theyre not reporting to the bureaus I suppose
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed this account several times with no resolution. My problem with them started after my 1st dispute with XXXX XXXX XXXX. I asked for validation and they did not provide it. After my attempt to dispute this account, they started reporting my account with false late payments. I have copies of my credit reports dating back to XX/XX/2020. They have two different amounts owed, and two different Date of First Delinquencies. I have attached the copies of my reports with this complaint. After they could not provide validation of the late payments with the XXXX XXXX, the late payments were removed from my file. They then sold the inaccurate time barred account to a collection agency called the XXXX XXXX XXXX. I have experienced pain and suffering from everything this company has did to me. I plan on hiring an attorney to help me with this matter.
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| 05/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I filed a prior complaint with your office # XXXX requesting my loan be moved from the XXXX XXXX IL office to the XXXX IL office which is near where I work and more convenient. You contacted Heights Finance regional supervisor and the LIED to you and to myself also and said it was all taken care of and moved!! Today I got a call from the XXXX XXXX office from the office manager and called her back and talked to XXXX as she was with someone and I asked them why they were calling me as I was told my account was moved, she said no we cant move the accounts unless you refinance in another office! Yes they can I know because I was a XXXX at that very office in XXXX and know they just dont want to lose the account!! Please enforce the laws and make them move it and hold them accountable for lying to two government employees!! They are absolute trash!!!
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| 10/10/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
I have been told 3 times now or if not more that a packet will be in the mail for me to fill out forms and send my police report back in a prepaid envelope. Nothing has come in the mail at the old address this check was sent to in the first place and no packet has been mailed to my current and correct address given to them by phone and in person at the local location.
I have filed a police report and have attached it.
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| 02/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother.
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.
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| 12/12/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
--
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| 03/09/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.
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| 01/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.
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| 07/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I called this company on XX/XX/XXXX to take care of a delinquent debt. The person I spoke to told me the agent handling my account was out of the office and would return my call XX/XX/XXXX. I received no followup on XX/XX/XXXX. I called them back XX/XX/XXXX and explained that I would like to pay the amount in full and never received a call back as promised. The lady told me that even though she was out of the office the amount of the debt continued to increase due to their interest policy and that she will not adjust the amount despite my contacting them in good faith on Tuesday the XXXX and she was out of the office. If I paid even a dollar less than it would be reported as settled not in full. I am willing and able to pay the amount but I do not like to be taken advantage of because of their employee being out of the office.
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| 03/26/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Company calls 2-3 times a day about past due amount on personal loan that was taken in XX/XX/XXXX. Company calls references and leaves messages frequently. Company has come to my home several times. Company pulled credit report without authorization in XX/XX/XXXX. I called and complained to corporate who supposedly was suppose to check why this was done. No response back but company kept with calls. Company pulled my credit AGAIN without my authorization in XX/XX/XXXX. I AGAIN called the XXXX number and was told that they would look into it and I requested to be contacted only via email. I am still getting collection calls and XXXX has gotten back to me about unauthorized pulls on credit report in an attempt to damage credit. They also reported it delinquent to the credit bureau so there was no reason for credit inquiries.
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| 08/24/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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The Company filed suit in magistrates court, they never showed up for court on XXXX different times and i won a summary judgement in my favor, however this lender still reports to at least XXXX and XXXX. The judgement was entered XXXX XXXX, yet this company has reported to the credit agency as recent as XXXX XXXX. of this year XXXX!!! And they have notice from the court that they lost the case, i know this because the court clerk put a post note along with my notice that she sent them one.. They are willfully thumbing thier nose at me and the law!!!! In this case the Court.. They are slandering me and i have already been denied credit thanks to thier reports to XXXX and XXXX, ,Can you help me please???? Can you help in recoving damages from them??? Thank You!!!!! I never app ; ied for a loan with them!!!!!!!!!!!!
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| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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On XX/XX/XXXX I had applied for a loan from Quick Credit Inc and I got approved for a loan. As the process was undergoing one of their representatives XXXX XXXX reached out and told me that before we continue they needed my credit score to go up. So therefore they said they were going to send me credit funds into my bank account and therefore with those funds I needed to buy prepaid/gift cards with the total amount they said which was {$1000.00}. They were purchased. Info was sent over but what I didnt check was that they had requested claims on transactions I had already made on my bank account therefore those funds that the gift cards were purchased with came within my account. They never sent any funds. I got completely scammed. I have proof of a contract, messages, calls, transactions with this company.
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| 01/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I don't believe this is my loan and i told them that. I asked for a copy of the paperwork they say i signed and they would not mail me a copy. I told them i was going through a divorce so my husband may have done this to me. I had to send them a certified letter in order to get a copy of this letter that they say I signed. Once i received the paperwork it was computer generated and was not mine.The company is harassing me at work after I ask over the phone and in writing twice to stop calling my job. An employ from XXXX XXXX has told two people details about this loan. XX/XX/XXXX around XXXX she called my job and spoke to another employee at my job in detail about the loan. I have had the branch manager XXXX XXXX-XXXX be verbally abusive and has threat me.I have recordings of some of the interaction.
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| 03/02/2016 |
No |
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- Incorrect information on credit report
- Account status
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Web |
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After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.
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| 10/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
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On XX/XX/21 I spoke was a rep at the number of XXXX who took a payment from me in the amount of XXXX ( the payment has since then come out my account and also I was give a reference number via text XXXX. I received a call today from a XXXX from XXXX calling about the payment. When I tried to advise her that I made the payment and the payment already came out my acct. She basically called me a liar. I tried to give her the reference number & she again continue to talk over me. I ask her for the head number gave me a number of XXXX. I called that number and the rep said that she can open up a ticket. I called back and spoke with a XXXX who stated that she can file a complaint. No one was willing to listen to me nor find my payment. I have my bank statement were the money came out my account.
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| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
Servicemember |
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I have a loan with COVINGTON CREDIT XXXX XXXX XXXX XXXX , GA XXXX . I had a check returned for XXXX . I wrote a letter explaining that I 'll cure the check XXXX XXXX , 2017 . When I called, THE XXXX FEMALE REP, I 'M XXXX TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY, XXXX XXXX , THIS SAME XXXX CUSTOMER SERVICE REP CALLED MY HOME 15 TIMES, YES, 15 TIMES CLAIMING I OWE XXXX SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE XXXX OF XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.
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| 12/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
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On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.
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| 09/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
|
I received a loan check for XXXX in the mail. It came with a letter and promissory note. The letter said this is a real check that you can endorse and deposit with no application, no phone calls, no waiting. I signed and deposited on the XXXX of XXXX in MY bank. The promissory note claimed I had three BUSINESS days AFTER the check cleared the lenders bank to pay the loan without having to pay an acquisition fee or interest. I was called by the lender on friday the XXXX asking for personal references. I was upset with this and called them back to pay the loan off and not go through with it on monday morning the XXXX. They did not honor the note which said I had within three business days after it cleared their bank I could pay without fees. I was charged XXXX to get out of loan.
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| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of.
Because I did not apply for credit with XXXX XXXX XXXX XXXX have also reached out asking that they remove the inquiry from my credit profile.
Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.
Thanks in advance for your prompt attention to this matter.
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| 11/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am repeatedly getting calls over and over up to 12 times a day by this company when I cant answer because its during my work hours. Then they start calling my contacts/references up to 6-7 times per day. This is harassment towards me and my references. I called them back when I went on break and told them I would be in when I got off work and to stop calling my references/contacts because they are calling me saying their job is in jeopardy after their phone is repeatedly ringing. And to take this contact off of my contact sheet. Even after I told them them this they called my contacts 2 more times and myself two more times. I have saved all the call logs and also got all my contacts call logs to show the amount of harassment we are getting from this company.
|
| 04/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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I took out a loan 2017 at Covington credit I told them I am going through a financial hardship they was harassing me at my job acting like a debit collector also calling my references after I told them not too constant phone calls rude calls at that. I told them to stop calling my job looking for me and stop calling my references the young lady told me if I would answer my phone she wouldnt have too do that and hung up. I got a call yesterday XX/XX/XXXX. Didnt answer my phone because already told them to report to my credit report and I will make the payments like that so it was no need for me to answer my phone. Now with the pandemic going on how will I make the payments now. I have pleaded with them too stop calling me and my job and my references. Thank you
|
| 07/29/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.
|
| 12/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I Got a Loan through XXXX XXXX in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
15 U.S.C 1681 section 602 A. : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my permission in written instruction.
15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
|
| 12/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Covington Credit has closed my account and reported as a Charge off for {$420.00}. I was late on payments with this company however I resumed payments in XX/XX/2022 and only had {$150.00} left to pay off the loan. After reaching out to the company to arrange a Pay-for-delete, they have reported the account as a charge off for {$420.00} ( incorrect balance ) and have not reported the last 3 payments I've made to the company. I have bank statements to prove my payment history. The information is incorrect. Also, the company sold the debt in XX/XX/2022 before I made 3 payments to turn by phone and they did not alert me that they were charging off the account when I called to make those 3 payments. The payments are not reflected on my credit reports.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account from Heights Finance listed, was charged off in XXXX of 2018. On my XXXX report it shows the charge off amount was {$2400.00}, but it continues to go up every month and shows at this moment an amount of {$4000.00} owed, this should not be happening due to the account being charged off. On my XXXX report it shows the charge off amount of {$3400.00}, it also continues to go up every month and shows an amount owed of {$4000.00}, this should not be happening due to the account being charged off. On my XXXX report it shows the charge off amount was {$3400.00}, it also continues to go up every month and shows at this moment an amount owed of {$4000.00}. I need this resolved immediately, as it is hurting my credit rating significantly.
|
| 08/29/2020 |
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
|
|
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.
|
| 05/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.
|
| 12/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
account could not to be 180 days late for XXXX through XX/XX/2019 because the account was being paid on time through garnishment.
Account stayed 180 days late in error for consecutive months effecting my ability to retain new credit opportunities.
Account is logged as being a secured loan when the loan was actually a unsecured debt The loan company also contacted my employer constantly causing embarrassment and constantly giving them personal information like please have him call us he is late on his loan.
Also they contacted family members stating I was late which caused more embarrassment.
The creditor also applied unauthorized hard inquires after using my stolen information. I never authorized these hard inquires
|
| 01/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
My loan comes with unemployment insurance, which for the first time in my life I needed to file as of XX/XX/2019. I called the branch to get help with filing a claim to ensure my loan payments are kept up. The loan was based off of my pay which has drastically changed with unemployment. I was transferred to XXXX who works in the branch where I got my loan after the girl who answered the phone did not know how to help me. XXXX was not helpful and gave me no instructions on what to do. After I spoke with him he actually called my phone back and left a bullying voicemail message. I called the corporate office and explained this to the lady, who said she would have the district manager reachout. To date that has not happened.
|
| 11/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
I discovered I had been the victim of identity fraud. That someone had used my personal information to open several fraudulent accounts. They had stole my mail, opened bank accounts and attempted to file a fraudulent bankruptcy petition. I obtained a copy of my credit reports and discovered a fraudulent account had been opened with Covington Credit-XXXX. I contacted them by phone and letter to let them know the account was the result of identity fraud. I also requested a copy of the fraudulent application and they refused to provide a copy of the fraudulent application. Covington Credit said the information on the application matched my information so the account belonged to me and I had to pay the balance.
|
| 12/07/2022 |
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
|
|
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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
|
| 12/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about it.
|
| 09/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The company XXXX Southern Finance ), has been repeatedly told that I am unable to make my loan payments due to low income at the moment. I also signed ( electronically ) according to company instructions a payment defferment agreement for my XXXX payment that the company then tried to say was invalid due to the paper not having a wet signature. I was then contacted about the deffered payment and harassed by phone calls by the company trying to get me to go to the branch to RESIGN the defferment agreement for XXXX in person. By law I do not have to resign something once it was signed the first time. Unethical, miscommunication between the branch and their corporate office is NOT my problem to deal with.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southern Management Corp intentionally put on my credit report that I made a payment of XXXX on an old account just to make my score go down. It was a flat out lie, they did it because I disputed this account, in which, that is my right. This action made my score go down by 56 points. I then disputed the payment with Equifax credit bureau again, and Southern Management Corp sent in false late payments to make my score drop again. This fraudulent act cause my score to drop almost 100 points all together. I am attaching proof with this complaint, also can you please tell me if I have the right to file a lawsuit against them? Their fraudulent act caused me pain and suffering and my credit reputation.
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
They have called my work and all my reference after being told not to and they told where they were from and we are working with a debt consolidation and they just out of the blue on XX/XX/2019 said if you are working with a debt reduction consolidation company we dont work with them so pay your bill. I did not mention nothing about that. They call four or five times a day to my cell and call my references and give name and company. That is against the law for people to know my info. They threatened me that I better pay or else. It started day one after late and now its ten days later and they are still doing it. My husband has account there to and they do him the same way but he is not late yet
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on XXXX they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.
|
| 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
|
|
Web |
|
|
The predatory lender, Heights 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. Now they are suing me! Credit should have never been extended to me, yet it was.
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Conatcted XXXX XXXX, covington credit and disputed witb XXXX so covington credit got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with XXXX and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is reporting fraudulently amounts on my credit report. Heights Finance posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
|
| 12/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American, Servicemember |
|
This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice
|
| 08/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I suddenly began receiving notices addressed to a variation of my name from a " Covington Credit '' demanding that I contact them to avoid repossession. I have never heard of Covington Credit - know nothing about them. I believe it began about a year ago - I returned the first few notices - marked " Not at this Address - Return to Sender. '' They continued to send demanding notices - so I sent a note to them telling them that I had never heard of them, that I would file a complaint if they did n't stop harassing me with threats of repossession. A few months went by - then I received the latest - a demanding Settlement Opportunity to " get me started on the road to better credit. ''
|
| 08/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Company contacted family members numbers I did not provide over the past month. I contacted them today on XXXX-18 spoke wothXXXX the lady she then told me she knew who I was and that she knew I went to school with her daughter and she knew a lot about me per social media. After looking into it. I did know he daughter who I went to school with she had given my name and personal information out to her daughter which was looking and following my social media for information and both mother and daughter was talking about my financial information. This is a branch manager and this should not be tolerated with giving personal information to anyone especially family member of company.
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
yes I had purchase a vehicle through heights financial services and after I purchase the vehicle I was making payments fell out of out of work got laid off due to covid fell behind in payments they close the account out because I fell so far behind but yet every month they're still adding money out on a closed out account how can that be you're not if you close out account it's closed out it's not supposed to change I mean but every month they're adding XXXX XXXX XXXX dollars to the account but yet it's a charge off and it's closed out if it's a charge off enclosed out it's not supposed to increase in price and it was no revolving loan to start with it had to fix interest rate
|
| 08/13/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.
|
| 02/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I first received and unsolicited check in the mail from a particular company and it stated the terms if I were to cash it. I cashed the check and made regular payments on that loan until it was paid off. I later went into the office to receive another loan on XX/XX/2018, and was making regular payments on that loan as well.
In XXXX I was experiencing financial difficulties and I sent them a letter detailing my situation as well as when I could start repaying my loan. I have been harassed to no end with phone calls to my job, my personal references, and my cell phone. On yesterday, they went one step further by making an unauthorized hard inquiry on my credit report.
|
| 05/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
My last payment was made XXXX XXXX . I am late on my XXXX and now my XXXX payment. I am not 60 days late yet. They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and XXXX ( t his cost money ) and it will not make money magically appear in my hand to pay their bill. I have tried to tell them I get paid on the XXXX and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.
|
| 06/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I understand that I have an installment loan with the company I have spoke with employees of the company to let them know whats going on but obviously they dont care. On XX/XX/2020 I was called by this company on my call phone in 1 day 12 times and every phone call was less than 2 minutes a part why? I feel like those are harassing calls and I want to file a complaint. Not only have they harassed me they have harassed a family member with giving me a third party not affiliated with the borrower account all her personal information called me at my place of employment to give a message to the other party Why? Im being harassed and they have violated me and Im XXXX.
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have asked this company on SEVERAL occasions to stop calling me, and if they must, to not do so before XXXX as Im asleep from working nights. Not only do they still call before XXXX, theyll call me from private or restricted numbers and hang up, call me from personal numbers and hang up, have called me and not said anything and hung up, will call and let my phone ring once or twice and hang up. And every time I call back with screenshots and voice recordings they play ignorant. Theyve been threatening me and my personal well being, and calling me 6+ times a day. I feel like Im being harassed and that I may have to soon change my number to get it to stop.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have companies that sold my original account to different companies that I have no recollection of and they have not reach out to me about any of changes these accounts are old accounts that the original creditors collect money off of and then sold the account without my consent I havent got letter or call I tried disputing the account several times still showing on my credit tried reaching out to companies they sold the account to and they cant give me any information about these fraudulent accounts on my credit thats in the original companies got paid for and sold the account trying get paid again when I have know acknowledgement of these accounts
|
| 11/03/2022 |
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
|
|
Web |
|
|
Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires.
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2XXXX XXXX
|
| 07/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covington credit : constantly harassing me everyday sometimes 2 to 3 times a day. They told me awesome they can call me every 2 hours if they want. A couple days before she was saying she can call as many times as she want in a day.The calls started XX/XX/2032 and present time. On XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me three times, on XX/XX/XXXX they called me two times, on XX/XX/XXXX which is today they called me two times and the time that I talked to her today she said they can call every 2 hours if they want. The other days that I have not mentioned they called one time sometimes they call five days a week.
|
| 12/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Heights Finance XXXX IL did not even reach out to me or offer me help with mt payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! They are already gouging me for almost 40 percent interest and I had a perfect pay history and work for the XXXX XXXX XXXX XXXX!!! I want them to help me get current, lower my interest and remove that 30 day late!! I am a XXXX widowed mother doing all on my own and need some help!!!!
|
| 04/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
This account was open in XX/XX/2011so it as well over seven years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb 1 ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 09/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I admittedly fell behind on my loan due to a bevy of injuries I experienced over the last 19 months. Coupled with COVID-19, times have been hard. I tried to get ahold of my local Heights Finance branch, and not only were the representatives there extremely rude and condescending, but I got nowhere. Since Heights Finance has charged off my account and sold it, I wanted to negotiate a fair payoff of this loan in exchange for removal from my credit report, which is within the purview of law to accomplish. But I want the corporate office to facilitate this, because the people here in my home office are impossible to deal with.
|
| 11/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX from the local Heights Finance branch office called me on my cell phone demanding payment on my past due loan. When I told her I was struggling and didnt know when I could make another payment. ( I just made 2 full payments ), she threatened to send my account to the legal department, it isnt even 30-days past due. She wouldnt listen to and wouldnt let me speak to her manager and I when I challenged her on threatening to sue me over a bill that wasnt 30 days past due, she agreed that they would not do that. This is harassment and for a company I have done business with for years to treat me this way is unacceptable.
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from XXXX last week stating that they are feign to collect a debt that was sold to them from Quick Credit in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to Quick credit and XXXX. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.
|
| 09/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. I don't know this company nor do I have a contract with them with my signature on it. This company has not responded to my letters asking how did they validate the account was mine. It's been beyond the 30 days alotted for them to conduct an investigation. I have also filed a complaint with the FTC for possible identity theft which means they have to delete and supress this alleged debt in 4 business days from my consumer report.
|
| 10/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I have a installation loan, and payment are due XXXX of each month, I was late more than 10 days, so when I initiated payment, the associates said I need to come in and speak to the branch manager, I rejected because normally I make a payment by phone to using debit card. She then informed me I had to make payment for 2 months, in which I did. A fews days later I had a credit alert by XXXX XXXX, that account was closed and was was reopen. I didnt approve this, the company took it upon themselves to do this with your my knowledge. Normally if you are later you pay the late charges. Is this legal?
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has Covington Credit as the original creditor which I also have no contract with.
|
| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off.
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account.
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts.
*** I have communicated through attorneys to resolve this matter and XXXX XXXX has refused to comply and show account information and signed contracts. ***
|
| 02/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hi my name is XXXX XXXX in XX/XX/2019 I received a check in the mail from Covington Credit that was cashable upon signing for {$560.00} to be paid back in 8 month installments of {$90.00}. with payments to start XX/XX/2019. I later got a call from South Carolina wanting to know if I had cashed the check.
Within two weeks I got a letter from a office in XXXX, Ga. confirming the account.
( XXXX ) Since that time I have attempted to PAYOFF this account. To date I have paid {$580.00} I am told I still owe {$220.00} Intrest. This is abusive. I want to pay it off without these excessive fees.
|
| 06/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.
|
| 10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.
|
| 11/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOUTHERN FINANCE SENT ME A CHECK IN THE MAIL! THEY ARE CLAIMING IT TO BE A LOAN, but I NEVER APPLIED FOR A LOAN, I NEVER GAVE CONSENT FOR MY CREDIT TO BE EXTENDED WITH THIS CORPORATION! I DO NOT KNOW HOW THEY RECEIVED MY NON-PUBLIC PRIVATE INFORMATION SUCH AS MY SOCIAL SECURITY NUMBER! THEIR IS NO CONTRACT AND THEY KNOW THIS IS A FACT! THEY HAVE COMMITTED IDENTITY THEFT! THEY STOLE MY INFORMATION, SENT ME A CHECK AND CLAIMING THAT IT WAS A LOAN! WHERE IS THE CONTRACT!!!? I AM NOT OBLIGATED TO PAY THEM A THING! IF THEY DO NOT REMOVE THIS EXPEDITIOUSLY I AM FILING LAWSUIT!
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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.
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
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.
|
| 11/07/2023 |
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
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 09/25/2021 |
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
|
|
Web |
|
|
I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both Heights Finance and XXXX, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at Heights Finance to review and/or sign.
|
| 03/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Over the past month I've been receiving several phone calls from Southern Finance. They have left multiple of voice mails even after I sent in a dispute letter they still chose to call at inconvenient times especially when I'm working. I have proof that they are calling repeatedly and leaving voicemails and they have not corresponded to my validation letter. They also threatened to " take action their way on their terms ''. No debt collector has no rights over any consumer. I need them to prove to me that I am a so called " borrower '' and stop harassing me.
|
| 08/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.
|
| 11/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I believe the account is invalid. HEIGHTS FINANACIAL 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.HEIGHTS XXXX XXXX
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX account # XXXX Unpaid balance reported as a loss by credit grantor Balance is {$0.00}. Income should not be on y credit report, They are reporting false and misleading information on my credit report. 15 usc 1681eb says my consumer file has to 100 percent accurate I have no knowledge of this account, if this was charged off it can not be still be reporting. you must remove or submit a 1099C because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed 3 complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened.
The company is only sending a copy of a check.
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
|
| 06/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX I informed them that I'm filing for bankruptcy and even gave them my lawyer info and she got rude with me and said she's still going to be calling me. Yesterday she called me four times in one day after asking them to stop. She them proceeded to have someone else from a different branch reach out to me as well and I asked her to stop calling me too. This week they've called me over seven times. I have health issues that caused me to fall behind as well as my husband becoming XXXX XXXX Please stop calling me.
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XX/XX/2020 i recieved a phone call from covertington credit in XXXX XXXX tx serveral calls about my monthly payment ... .i refiance my loan onXX/XX/2020which i know a payment is due XXXX from the date you get the loan my phine was blown up for a payment that wasnt even due an gon na say we just calling because we know you got your ssi an we wan na make sure we get out money today for your payment due XX/XX/2020 i wan na file a suit againt the company for harassment an trying to scam money from a disable person payment XXXX
|
| 04/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
They came to my house on XXXX/XXXX/XXXX at XXXX and I explained that I did not have the payment then but was aware of the payment due. My payment is not even 30 days past due. She said that not acceptable. I told her I would pay that Saturday and she would not accept the answer. I told her repeatedly that it is not even 30 days. She said that they would not let me borrow money again and I said that was fine. Then she said she was going to put a garnishment on my check. She said she will be back at my house tomorrow.
|
| 07/18/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )
|
| 10/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I've been harassed about an account that isn't mine. My father, who I'm not in contact with, listed my phone number with a personal finance company loan of some kind. I have told said company to stop calling me and to put me on their do not contact list. On XX/XX/XXXX they called me to ask about my father. I told them then to stop calling me. On XX/XX/XXXX they called me again. I told them to stop calling me. I received yet another call today from them asking about my father XX/XX/XXXX.
|
| 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
|
|
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.
Back in XXXX, XXXX XXXX, agreed to settle my debt and remove the account from my credit reports. As of today, they account has not been deleted and remains on my credit report.
|
| 06/22/2020 |
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
|
|
Web |
|
|
Representative from Heights Financial in XXXX, TN continuously threaten to sue me have sent me Attorney letters, discover my personal information to several 3rd parties after my hours were cut due to covid 19. I onky make {$900.00} a month and today I received an attorney letter saying I had to pay {$1700.00} in full in 10 days or else.
A rep from Heights called me asking about my Stimulus check and was really nasty and rude to me saying things that professionals shouldn't say.
|
| 01/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
After checking my credit report Covington Credit has a negative entry on my credit report. After researching the cause apparently they sent a pre- approved check to my former address that I was renting to my son, who shares the same name ( XXXX ). Apparently without permission he intercepted the check and cashed it. I have since cleared the home and pressed charges. I have a fraud alert on my account prior to them sending the check and I was opted out of pre-screened approvals.
|
| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have recently had a death in my immediate family so I have been struggling to pay the loan because i have been paying for funeral arrangements i have talked to XXXX XXXX and her associates from covington credit repeatedly about this situation and arrangements. As i simply did not have the money that month due to the situation. She has repeatedly come to my house at least three times a week speaking to everyone i live with about my debt, which harassment and against the law.
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling
|
| 10/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
Heights finance in Illinois I believe took advantage of the pandemic and sued me in small claims court a lawyer that I had hired failed to show up on my behalf I got hurt at work the day before and was incapacitated for three days and had a concussion that lasted 30 so I could not appeal and the court will not allow me to appeal the decision after I had pointed out to them that I could not make the hearing because I was incapacitated I feel like I did not get a fair trial
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Since XX/XX/2021, I sent three letters to Quick Credit demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it.
I demand the account be verified or removed immediately XXXX
|
| 05/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'm written this complaint because I am a victim of fraud and the company name are Quick credit in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX they remove the fradulent account but XXXX I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to XXXX I want it remove from my credit report this not my account
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
COVINGTON CREDIT ***** Opened : XX/XX/XXXX Balance {$0.00} Late Close
|
| 06/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it.
I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.
One day last week, they contacted me and just as I hung up the phone, they called right back again.
|
| 10/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ....
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and
|
| 08/17/2022 |
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
|
|
Web |
|
|
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights.
15 USC 1681 section 602 states I have the rights to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
|
| 02/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My husband and I have consolidated our loans and the consolidation company has already began payments, but one of the loan companies included in the consolidation keeps making harassing phone calls to both of us as well as friends and family. They have accepted the payment made by the consolidation company but insist on still harassing us in this manner. What can be done to stop them from calling not once a day but repeatedly throughout the day?
|
| 12/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.
|
| 05/01/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 I received a report that a loan company that I have open with checked my credit and did a hard inquiry without my knowledge or my consent. I try to dispute it with XXXX but they are saying its valid which in fact it is not. I reported this to them twice and they keep denying my dispute. Creditors checked my credit to see if I wanted to renew my loan and I never told them yes or even spoke to them on the phone to check my credit.
|
| 10/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
In process of filing for bankruptcy and they continue to call my work and my mom even after repeatedly telling them not to call and the situation with our bankruptcy. Today XXXX called my mother said not to call her again and then hung up. He called immediately back and said he was not going to remove her number and will keep calling. XXXX also continues to call my job even though I have told him multiple times I can not accept calls at work.
|
| 05/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
After receiving a voice mail from a restricted number I called with the reference number and was told I was going to be charged with breech of contract and fraud for a loan from XXXX that only my ex husband could have done. They said if I couldn't pay right then on the phone in full it would be filed with the court. They could not provide information on ANY written notifications or anything only an email that's been closed for 4 years.
|
| 12/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a change in income coming into the house and have been struggling just to pay rent and utilities so fell behind on some things and this one particular loan company had told a reference that if I did not contact them today that they would send a warrant for my arrest which is embarrassing and illegal and they should not be discussing my financial problems with someone else or threatening to have someone arrested due to non payment
|
| 03/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I have handed a letter to each loan company I am complaining about not to contact me at work because the fair credit act says if I do so they are not to contact me at work. I have 2 companies that do not follow this and also will call my home several times a day sometimes within minutes of calling. They will also show up at my home without noticed. I need all this to stop. The will even call my family members if the don't talk to them.
|
| 10/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.
|
| 01/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had on going issues with Southern Finance-XXXX. This account was paid in full by two payments sent. I paid {$950.00} by cashiers check in XXXX, XXXX and paid {$84.00} on XX/XX/XXXX. The total amount of {$1000.00} was paid to close the loan. I have filed several disputes with XXXX, XXXX and XXXX. The company has recently reported on or around XXXX in the name of XXXX Credit- XXXX reporting a charge off unpaid profit and loss.
|
| 10/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
You've 1 dishonored violated 15 USC 1692c ( c ) by RESPONDING TO THE C & D INCORRECTLY. YOU THEN SENT A PAYMENT HISTORY OF NOTHING. YOU THEN LIED ABOUT AN COLLECTION AGENCY UNDER FEDERAL LAW. I HIGHLIGHED EVERY VIOLATION YOU BROKE UNDER THE FDCPA WITH THE USC. NOW NEXT TIME YOU VIOLATE AGAIN & NOT GIVE ME WHAT I ASKED FOR I WILL PROCEED WITH A FEDERAL COURT COMPLAINT. IF THE ACCOUNT IS CHARGED OFF THAT MEANS IYT WAS PAID IN FULL.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Covington credit says they sent me a check to my mailbox. I never requested this check and I never received this check which they say was cashed. Evidently they just send random loan checks in the mail. I called them on several occasions to no avail. I have reported this to the credit bureaus and they just confirm that its a real credit that I took by discussing with this company. Theyre a balance of {$830.00} that is not mine.
|
| 10/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 any open end consumer credit plan as late for purpose.
|
| 07/03/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report and saw i had a collection with XXXX XXXX, i reached out to this company multiple times through the mail to be clear on this alleged debt. They refuse to valdate it, i would like to see a copy of the original contract for credit with my wet signature, and looking at the rates of this loan, they are 20 %!!!!! That is predatory lending!!!!! Please reach out to this company, i dont know what else to do.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
|
| 06/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have then right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
|
| 01/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covington credit is harassments me at working and on my personal phone.. Its already on my credit report and they wont stop call everyday.. I told them i don't have the money to pay do to my wife being off of work doo to covid. my job is getting a call everyday. and i have written messages from a boos that the lady 's are being really vlogger a rude. as my boss cant give any information about me. this needs to stop>>
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting acXXXX XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX 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 must 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 purpose.
|
| 11/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
IHave asked for several months since opening the account for a account.statment only to be told no I have tried to access online my account only to be restricted I have asked for more payment options. as of now the only way to repay my account is to call into the store these deceptive and predatory practices most stop I have no idea of what my balance is how the payment are applied or what my pay-off balance is
|
| 11/09/2018 |
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
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Covington Credit refused to stop making phone calls after I told them I was filing for chapter XXXX bankruptcy ... The phone calls got so bad that I had to contact their corporate office to get them to cease and desist calling me ... Their aggressive collection activities made me sick from XXXX ... The stress was so bad for me that I developed XXXX symptoms from XXXX XXXX on my XXXX XXXX XXXX on my XXXX ...
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
this debt was paid on XXXX settled with the original creditor in the amount of XXXX.
Covington credit-19, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid.
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.
|
| 11/21/2018 |
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
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have paid over the amount I owed to this company and they use a law firm to tackle on astronomical interest rates so the customer can be in debt they pray on the less fortunate. I have offered to pay XXXX to settle my debt. That is over XXXX dollars I have paid and that does not include the money I paid Heights Directly, They are not clear with their contracts I feel like I have been taken advantage of
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.
|
| 11/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/2019. Covington credit has called my job twice and was told not to call my job and the young last I spoke with was XXXX. They are pretending to be collection agency and when I told her not to call my job she said she wouldnt have to if I answered my phone. The amount was XXXX I believe. I told them several times that I will pay them when I get my money in order and didnt give them a time table.
|
| 01/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I am trying to pay this loan off over a year early but they are still making me pay all of the interest except {$400.00} the total interest charged is {$2900.00} which is excessive but if I am paying it off in almost half the time it seems like I should not have to pay all that interest. They added the interest immediately on the loan & how can that be legal when I have not accrued the interest yet?
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company reported to my credit bureau. They do not have an accurate social security for me on their file during the time of reporting nor do they have accurate filing tactics. Code 15 usc 1681c-2 is being applied to this complaint. Ive noticed a mark on my credit report from this particular agency and it took 90 points off of my credit and I would like this removed. Im attaching document that s
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Covington Credit is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire an attorney and see damages actual and statutory damages.
|
| 03/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Company continues to call and harass about collecting a payment when the payment was already made. Company then went on to state that they can call 2 times a day and attempt to collect a payment. So when they called the 2 times so far today, both times they were told the payment was made. I am surprised that a company can do this and expect CFPB to take action against the business practice.
|
| 05/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is an account on my credit report labeled Covington Credit. I have disputed this charge and have attempted to work with this agency to have this and all late fees associated removed from my credit report. Covington Credit could not provide me with any documentation or signature that I was responsible for this loan, nor do I have any knowledge of this loan. Could you please assist?
|
| 08/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.
|
| 03/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.
|
| 08/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I lost my job weeks after getting a loan with XXXX XXXX I spoke with the Branch Manager at the business and explained the situation yet Im still called multiple times a day I spoke with the supervisor and was threatened by her stating that she would take me to court she also offended me by asking what did you get fired for anyway I am highly upset and offended by the harassing calls.
|
| 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
|
|
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
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Heights Finance has not updated my balance paid or reported to all three credit bureaus they have not reported an updated balance since XX/XX/2023 and I am not late on my payments, I am entitled to this information as it is my credit report and I am the creditor. My credit was suppose to increase with on time payments but they are not reporting and it is a violation to my rights.
|
| 01/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. 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.
|
| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have never been late paid all payments on time. this is effecting my life with this inaccurate.
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit XXXX and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXXXXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX XXXX XXXX never late XXXX XXXX and XXXX this has happen before
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Covington Credit is report a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, i called immediately and paid this off. I never received any phone calls, collection notices, or letters about this debt. This account is still reporting an balance which is erroneous. I need this fixed as soon as possible.
|
| 11/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I received loan from Covington credit but I have made my payments my portal shows that all my payments was successful but I had been getting threatened phone calls every day from representative of Covington credit saying that I owe My portal says I do not owe and I am being threatened with collections repossessions and negative remarks on credit report
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
I'm under involuntary unemployment Hights Finance specialist XXXX XXXX is intentionally harassing me and has now took it upon herself to infict harm upon me by making false statements on my credit report regarding payments.
She has totally violated the insurance certificate and she is charging a monthly late fee onto of monthly indemnity payments.
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have a loan with HEIGHTS FIN with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
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 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 an open end consumer credit plan as late for purpose.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.
|
| 10/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a debt that showed on my XXXX report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.
|
| 11/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
XX/XX/XXXX or early XXXX the company replied my vehicle and auctioned off for 2 times the amount of the loan that was not put towards the debt not will they give me any confirmation of the price it was sold at and still want more money than I borrowed and will not give me any paperwork with my prior payment s or the original agreement
|
| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SOUTHERN MANAGEMENT
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Quick Credit- was violating Part 15.9 of the FCC to solicit illegal lending opportunities outside of federal guidelines and misusing illegally obtained personal data to do so. Targets subprime would-be borrowers through illegal means of obtaining information including violating privacy laws and spying on those they would solicit to.
|
| 02/09/2016 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.
|
| 09/22/2021 |
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
|
|
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.
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I noticed that my credit score had dropped XXXX points. I found that Covington credit had opened 4 accounts. After speaking with them I was told they did not know why and could do nothing about this. The last time I had business or any communication with covington was XX/XX/XXXX. Thank You
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Heights finance company is reporting on my credit report incorrectly. It is saying that I still owe money to them, I do not. This loan has been paid off and is negatively reporting on my credit. Ive called them numerous times and they say I dont owe money and they cant do anything about my crisis report
|
| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I was on the 16th day past due ( was making my payment that day ) and they called my daughter, who has not been listed as a contact, and left a message stating that they were a lawyer. No one as the location is a lawyer. They already know that it is impossible for me to contact them during work hours.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether.
I have sent validation letters to all 3 bureaus. XX/XX/2023 I have disputed them multiple times, XX/XX/2023, XX/XX/2023, and XX/XX/2023.
|
| 12/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account went delinquent, and was charged off. However, the company, Heights Finance, obtained the services of an attorney. I paid the attorney in full. The account continues to show a charge off/continuing delinquency with an ongoing status. it should be paid, closed with a XXXX balance.
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I had an account with Southern Finance they never report to XXXX or XXXX they waited until i fell behind with payments due to health issues to report the debt. When i made an offer they promised me they would delete this account off all 3 bureaus. This has not been done. The account # XXXX
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your COVINGTON CREDIT account your way. Make your choice at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out
|
| 10/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have explained that I have not worked due to having XXXX and I constantly keep getting calls. XXXX has been told numerous times by my employer not to call me at work and she still calls there everyday which is about to cost me my job. She has also called and harassed and threatened me.
|
| 10/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
i have told them to not call my cell job or my spouses job for collections and they called my job any way today XX/XX/23 they also didnt try to help much with reducing payments due to a medical issue i could no longer pay them but the main issue is calling the job when told not to call
|
| 08/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XXXX XXXX I tried contacting the creditor to advise it was a problem with the site and my payment was not being accepted. I ask them not to report the late payment they agreed but when I looked on my account they reported the late payment and it dropped my score significantly.
|
| 11/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a payday loan with COVINGTON, always on time until I filed for bankruptcy, it was withdrawn I was expecting COVINGTON to resume taking payment instead without any notice they closed the loan and written of this loan as a bad debt and sold it to third party for collection.
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Quick Credit is reporting inaccurate information intentionally to effect my credit score and rating. They are reporting a balance of {$1000.00}. The account was opened at {$350.00} and was charged off approximately 3 years ago. The balance at this time is {$170.00}.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017.
STILL NO PAPERWORK WITH MY SIGNATURE ON IT HAS SENT TO ME AS I REQUESTED.
|
| 04/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.
|
| 04/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.
|
| 09/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I received a call stating I was approved for a loan. They sent me money and asked me to send them the money back via XXXX. They had all of my personal information. Bank account numbers, social security, phone, address, and job information.
|
| 08/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I the 3 past month, Im loss my job, In XXXX im begining working again but the XXXX XXXX XXXX in XXXX Tx Phone XXXX Are calling several times to my work in my hours working and perturbe my mind with intente to collect the past due payment
|
| 05/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I've requested documents to be sent to my address to verify supposed debt without success only to be met with threats of legal action and XXXX issued for my XXXX after I've explained my current position of possible identity theft.
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023, in my spam email is a scam email asking for money for a non-existent loan from a company I have never heard of nor contacted. I was going to report to this to the FTC but my choices had me redirected to the CFPB.
|
| 01/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COVINGTON CREDIT XXXX XXXX is attempting to collect debt not owed to company. I have attempted to contact this company numerous times via letter, phone and still this company refuses to remove account from my credit reports.
|
| 01/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company kept calling me and harassing me 37 times after I told them to stop calling me and they added information to my credit report without my authorization. They also were threatening me on the phone in XX/XX/2019.
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collector added a collection on my credit profile in the amount of XXXX by the name of XXXX XXXX XXXX and I have no recollection about this account.I have ask to send me proof of this debt and have heard nothing
|
| 08/19/2022 |
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
|
|
Web |
Servicemember |
|
On my credit report, I noticed a credit inquiry from XX/XX/2020 that I did not authorize. I contacted the company via phone to get this inquiry removed. They advised I would have to go through my XXXX for the removal.
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!
|
| 03/23/2016 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
i have a loan XXXX the company states that I verbally gave them collateral ive missed XXXX payments now the company is calling threatening to have me arrested on a XXXX felony I get ssi as my only income
|
| 04/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX ).
|
| 04/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Judgement was entered on XX/XX/XXXX.
Now have another summons for court to revive this judgement. Sent on XX/XX/XXXX This should be time barred debt.
Missouri statues of limitations is 10 years.
|
| 04/18/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX in XXXX South Carolina calls me twice a day and calls all my references every day. I asked them not to call my references everyday but they said they were told to by there supervisor.
|
| 11/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment
|
| 04/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
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.
|
| 01/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I'm current on my payments. i was flagged for a missed payment over 30days but i made the payment on time, i was falling behind due to covid related issues and that was thurly explained.
|
| 11/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They call my job everyday asking for the plant manager. They also leave the number with anyone that answers the phone. This is a everyday occurance even though I tell then when I can pay
|
| 03/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I told them that my husband just left me with all the bills. I am in debt and that I would pay them off within a couple of months, and they won't stop calling me on my cell and at work.
|
| 02/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX Last reported XXXX XXXX XXXX XXXX
Open balance
XXXX COVINGTON
CREDIT
Original creditor
XXXX Opened
Account status
Type
XXXX XXXX
Original creditor name
XXXX XXXX XXXX (3 mos)
|
| 01/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Continued daily calls and messages all day to me and my family contacts and work contacts.
I told the lady to stop calling. I will pay what I owe on XXXX2021 the full amount due.
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They never informed me about the dispute policy and I contacted them many times to cancel my service but they did not cancel the service and now they are not picking my call.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.
|
| 01/17/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have requested they not contact my supervisor or contact me at work and they continue to do so. They have contacted my supervisor twice and call my direct line repeatedly.
|
| 10/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have asked multiple times for the collection agent not to contact me at work. Their name pops up on the caller ID when they call and she is very rude and condescending
|
| 08/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am being harrassed on a daily basis. Company in question is calling and harrassing me and my coworkers and family at my job. Which has almost caused me to lose my job.
|
| 10/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 isc 168 section 602 states I have right to privacy it also states 1681 604a a consumer reporting agency cant furnish a account without my written instructions
|
| 05/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not authorize XXXX XXXX to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score
|
| 07/20/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Heights Finance Services is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
|
| 11/30/2022 |
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
|
|
Web |
|
|
someone open a loan in my name do to fraud i never had a loan with quick credit there are several accounts in my name an none of them belongs to me XXXX XXXX
|
| 11/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at XXXX
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 04/12/2022 |
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
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
|
| 02/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
{$700.00} I went into their office and compared signatures. Didnt match. Company sent me forms to fill out but I dont know how to fill them out.
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
|
| 10/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 09/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Southern Finance verbally denied me of a loan simply because I work for a payday loan company. Is this legal or a form of discrimination?
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
The company is reporting this information on my credit report.
Stating that I owe this debt.
Which is negatively affecting my credit.
|
| 12/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
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.
|
| 07/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
After receiving a letter of representation from my attorney, the creditor continued to communicate with me instead of my attorney.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have tried to dispute to remove and taking over 30 days I am asking to have resolved by removing all Covington credit account
|
| 04/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe them any balance and would like them to acknowledge that.It is showing on my report as a charged off account.
|
| 05/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have asked this company to not call me at my place of employment on multiple occasions and they still continue to do so.
|
| 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
|
|
Web |
|
|
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit
|
| 10/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 01/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
They have flagged me for no reason the account was close and taken care of as you can see in the attachments I sent.
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
|
| 11/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
Covington credit continuously mailing, calling, and emailing invoices for past due payments on a closed account
|
| 07/31/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Im XXXX XXXX XXXX, and they contacted my mother out of state and told her what I owe and the full amount I owe.
|
| 09/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I own this company I already talk about this but the keep calling my employee r and disclosing my information.
|
| 10/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
COVINGTON CREDIT Last reported XX/XX/2021 {$0.00} This is not my account, please remove from credit profile.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
The customer service would not help and take care of the negative inquiries reporting to my credit report.
|
| 02/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I paid all of it. Someone probably used my information and did not pay. Please delete from my account.
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They are scammers who took money without informing me and not responding to my messages & call.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My account should be removed this year but they are reporting it like its not as old as it is.
|
| 01/02/2020 |
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
|
|
Web |
|
|
Covington Credit is reporting an alleged debt that they sold to a collection agency.
|
| 10/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Quick Credit is charging me very high interest and I can not afford to pay the loan
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southern finance have inaccurate information on my report and violates my privacy
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Have contacted the Creditors many of times and they never get back to me.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 U.S. Code 1692c - Communication in connection with debt collection
|
| 05/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
they are showing a balance of XXXX that is inaccurate please delete
|
| 05/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2016 {$700.00} This account is an result of identity theft.
|
| 05/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am paying heights finance they are not updating my payments
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Covington Credit Services I have no knowledge of this account
|
| 08/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have provided affidavit of fraud and still no response.
|
| 10/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ask the companye could i refinance my loan pleaae help
|
| 08/26/2023 |
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
|
|
Web |
|
|
I am a victim of identity theft and need them removed
|
| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
company harassment regarding interest rates
|
| 03/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This account was paid in full
|
| 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
|
|
Web |
|
|
Security finance XX/XX/2019
|
| 11/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Someone stole my identity
|
| 02/07/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 01/17/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
|
- Confusing or missing disclosures
|
|
Phone |
Older American |
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
|
| 01/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 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
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2023 |
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
|
|
Phone |
|
|
|
| 11/21/2023 |
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
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 10/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
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
|
|
Web |
|
|
|
| 07/29/2023 |
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
|
|
Web |
Servicemember |
|
|
| 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
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/24/2023 |
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
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 04/29/2023 |
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
|
|
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
|
|
Web |
|
|
|
| 04/19/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 03/11/2023 |
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
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2023 |
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
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
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
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 02/14/2023 |
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
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/10/2023 |
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
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
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
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/03/2022 |
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
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
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
|
|
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
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/11/2022 |
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
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2022 |
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
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 06/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
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
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 01/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/18/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/06/2021 |
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
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 08/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/09/2020 |
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
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/02/2020 |
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
|
|
Web |
Older American |
|
|
| 04/09/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 03/19/2020 |
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
|
|
Web |
|
|
|
| 03/19/2020 |
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
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 01/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Phone |
|
|
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 11/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Phone |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 08/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
|
| 05/11/2019 |
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
|
|
Referral |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 04/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
|
| 04/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 02/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 12/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 10/16/2018 |
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
|
|
Postal mail |
|
|
|
| 10/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 08/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 08/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 07/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/01/2018 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 11/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 10/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 10/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 08/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/12/2017 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/28/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 12/10/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
Servicemember |
|
|
| 10/31/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Postal mail |
|
|
|
| 09/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 05/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 03/30/2016 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 02/18/2016 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 02/17/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/21/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 01/11/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Postal mail |
|
|
|
| 01/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 11/17/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/13/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/29/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Phone |
|
|
|
| 09/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
|
| 08/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
|
| 05/14/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 12/30/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/14/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
|
| 12/11/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Postal mail |
|
|
|
| 10/22/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/15/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 09/18/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 09/15/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 08/22/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
|
| 08/18/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Phone |
Older American |
|
|
| 02/22/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/28/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/10/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 10/03/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/26/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/15/2013 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 08/07/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|