World Acceptance Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 303XX	Web
On XX/XX/2018 I did an application for a small personal loan in XXXX, XXXX with XXXX XXXX XXXX by phone. Address : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The reps name was XXXX. This call took place at XXXX. XXXX told me that she would give me a call back with my results. I had no concern because I had taken loans out before and paid them off in a timely matter. Once complete, I realized that I had given the wrong number for my employer XXXX XXXX XXXX, owner and operator XXXX XXXX. I called back approx. 5min later to give them the correct number. I had several numbers for XXXX, and some of them were invalid. So I wanted to correct the imformation. The days goes on and I can understand the rep ( XXXX ) may have gotten busy so about XXXX I called back to see what my results were. A rep named XXXX answered the phone. I asked if I could speak to XXXX, and the rep asked is there anything she could help me with. I told her I was calling to see if I had gotten the approval for the loan. XXXX states '' no ''! I asked her why and she told me that I was not approved due to " dellinquecy on my credit report ''. This information was not true! I had my credit report in front of me and all accounts on my report were current, I even had the notification that XXXX XXXX had pulled the report. I told XXXX that the info could not be true and asked why XXXX, the person that took the application, couldnt call me or come to the phone to explain it. XXXX tells me " First of all its not our policy to call you back if your not approved, nor do we have to '' She began to over talk me. I find it hard to believe that is ANY COMPANIES POLICY. I told her that I was going to call Corp office which is located in XXXX XXXX. She told be she didnt care, call if I like. I did call and left a message, there was no return call back. On XX/XX/18, I recieved the letter of denial. On the letter it stated that the reason for denial was because they were " unable to verify income ''. Which is completely different from the reason XXXX stated on XX/XX/18 when I called to get the results. I called home office again and spoke to a customer service rep who then listened to the information and said that she would be forward the information and that the Supervisor would give me a call back within 24-48 hrs. Upon finishing that call, I the branch again this time asking to speak with the supervisor. Her name is XXXX. I told XXXX what happened on XX/XX/18, and told her that XXXX told me I was denied due to " delinquency on my credit report '' and that I had recieved my denial letter and it stated something totally different, which was " not able to verify income. '' XXXX then pulled my file and stated she was unsure why I was told that when it clearly states that it was because they " unable to verify income ''. I explained to XXXX that I conversed with my supervisor and no employment verification had been done. XXXX explains that they had called the number to another place and the person that answered the phone stated that myself nor XXXX XXXX worked there any longer. I told XXXX that I called back to give XXXX the correct and current telephone number of my employer, and there was no attempt made to call. XXXX takes the updated info as if she was going to call to verify employment. She asked me if I can produce paystubs and I told yes of course. That would not be a problem. On XX/XX/18, I called XXXX back to see if she had done the steps needed to verify employment and assuming at this point all they needed was my paystubs and proof of idenity. XXXX states that she called her Supervisor XXXX XXXX and home office and they stated that they could not call to verify employment. I asked her why? She said because we have to use the number that was given to them. I said ok thats fine the number that was given to you was to my immediate supervisor and the owner and operator of XXXX XXXX XXXX. I asked for the telephone number of her supervisor and she gave the name of XXXX XXXX and proceeded to give me his number. I called, XXXX was unavailable and I left a message. I then proceeded to call Corp office again. They had no record of the phone call that took place XX/XX/18. I was transfered to the Compliance dept.. I explained the information and was told that there was no record but she was going to take all information and call me back and or have another Area manager call me by the name of Mr XXXX. I asked this young lady is it possible to just do business at another branch without having to pull my credit again. She was unsure and told me to call another branch and see if they were able to see the application. She stated she could see it but was not sure if they could being she was in home office. I called the XXXX # XXXX and told her that I had called compliance and that had no record of the converstion she said she had or from Mr. XXXX XXXX. I also advised her that I was certain the did not call my employer because I had checked with her again and there was no call made. She stated that she was not going to argue with me and that was fine because I was not going to argue with either. I call another branch located on XXXX XXXX in XXXX, XXXX and spoke with XXXX I asked the rep if they were able to pull my application without running my credit again. She stated no, but the supervisor had the ability to send the app over and they could proceed from there. She also called Mr XXXX XXXX and stated that he would be calling me within 10min. Mr XXXX XXXX called and I was telling him the events stated above. He began to tell me that they could not call my employer because it was a cell phone! I said a cell phone? No this lady is the owner and operator of this business and how she conducts the business and what type of phone she uses doesnt matter. If you XXXX the company name XXXX XXXX XXXX, you can see that this is full fledge business. Not only that, I have the paystubs to show and prove that this is my employer. I asked Mr XXXX XXXX at what point do you take responsibilty for your lack of customer service? First your rep lies and states Im denied for account delinquencies, when that is not the case. Then him along with his branch manager XXXX refuses to verify employment. I told him I have proof of emplyment Sir. If you feel that you can not call them I have the proof. He says " we are not giving you a loan because of the way you talk to our reps '' I asked how did I talk to them? By me asking for facts and for asking them to follow the policy they have set forth, is that bad? He hung up the phone on me. XXXX XXXX is not a small company that set rules according to how they fill about a person. You can not deny someone credit because you do not like what they say to you. You can not lie and state that you checked references as stated. If the application is denied, then it has to be for a valid reason and he has to be stated correctly!! When you look at the reviews from this particular branch you can see that clearly the customer service is low level. The customer service is only as good as its Supervisor. As you can see XXXX XXXX has no customer service skills nor leadership skills. I feel like I have been discriminated against because I demanded customer service and not to be just talked to anyway. I also expect truth and honesty. I have all paperwork and correspondences needed to show proof of that. Im awaiting the call from president Mr XXXX to see how this will be handled.
01/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83338	Web
I obtained an emergency loan on XX/XX/XXXX from World Finance in order to get my dog back from vet after it suffered from XXXX. The amount I received was {$730.00}, with the first payment due XX/XX/XXXX. They said there was no prepayment penalty and the interest was figured to the end but would adjust if prepaid. They charged an origination fee of {$100.00}, predicted interest {$200.00}. I made a Principal payment 2 days after getting loan of {$100.00}, then payments on XXXX {$120.00} ; XXXX {$110.00}. Just before XXXX the same dog ate a harness and had to have emergency XXXX XXXX. I was told he would be in the hospital till after the XXXX XXXX. At XXXX on XX/XX/XXXX the vet called & said he could come home early but I had to pay the bill in full. I was {$350.00} shy of the {$1400.00} required & called World Finance to obtain another small loan which they said was not a problem. They close at XXXX XXXX as does the vet on the other side of town. I rushed down there & was told as they gave me documents to sign quickly that their policy was to refinance any existing loans and not to open new ones. I am on SSA & my pup is supposed to be training as a service dog which World Finance is aware of. I had told them I was trying to avoid paying for the additional days in the vet hospital due to basically the vet taking 1/4 of my yearly income and using up all my available credit. At this point they were rapidly saying their policy was to refinance or consolidate loans and that it would not amount to much more in charges. I did not have a choice I had already informed the vet I was on my way. The new amount that I received was {$330.00}. When they handed me the loan document to sign I noted that the amount seemed to be wrong for the previous loan & asked if they had credited all payments and the one to additional principle especially since I had not received a receipt yet for the one made before XXXX. They said if it wasn't reflected yet it would adjust off. I noted the new amount on the origination charge and was told it was the previous origination charge plus the origination for the new funds combined. Once again, I said it seemed like the numbers were high but was assured they would be closing out my other loan since they flipped it to the new one and once they did that the interest and any missing payments not included yet would update. I had ten minutes to get across town and asked them to send me an itemization which they said they would. The first loan was less than 3 months old with the first scheduled payment having been the month before as stated above. I went to make a payment the next day, and on XXXX XXXX XXXX and to talk to them about the discrepancies I noted but they were closed on both occasions when I arrived. I had to wait until after the XXXX XXXX Weekend to get a hold of them. I had my bank send an auto payment which was delivered on XX/XX/XXXX in the amount of {$110.00} & from my stimulus on XX/XX/XXXX the amount of {$270.00} totaling {$380.00}. Please note the new amount I had borrowed on the XXXX was only {$330.00}. I called them and instructed them that the payments were to go toward the new principal amount just received and that I needed the promised accounting on the entire first loan since I had not received anything yet and that I attempted to go in and straighten it out but they were closed for Holiday. Instead of a breakdown and the second loan being negated since they got the funds back the next real business day I received a bill for {$1300.00} with a receipt for my XXXX payment. I called them and asked what they did & how they credited the two payments sent directly after they required the " refinance '' and they said they only had one then came back and said the other one was processing & I would receive the requested breakdown. On the XXXX I received a receipt for a payment and a new amount of {$960.00}. Considering I had only owed by my calculations {$390.00} on the first loan ( plus origination fee and interest ) and had paid the second, I once again called them and asked them how they came up with this amount. She said it was the per diem & their finance charge for the loan amount. I told her how is it that I borrowed a total of {$730.00}, which I had paid {$330.00} on, plus the {$330.00} & paid {$380.00} on for a total of {$710.00} paid yet owe close to a {$1000.00} & I had prepaid early principal & had only had two required payments in the entire term of the loan. I owe more than I borrowed because their policy required a refinance consolidation that I could not pay back or cancel because they closed for the holiday. The Origination charge which I had been led to believe was the first one plus a charge for the {$330.00} loan totaled was actually calculated by them per their policy as an entirely new finance charge and the previous charge from two months prior, plus all the interest which had not yet been earned they had put into the " refinance '' of this small amount and then they had calculated the new interest for this small amount as the amount due from the first, plus the unearned interest and the Double plus loan Origination fees as principal, thus compounding interest. It is their " office policy '' when someone needs additional funds to flip the loan instead of opening a new separate loan thus they can now charge interest on unearned interest and origination fees as well. I called and talked to the manager who said she would take a look at it again and call me the next day that was four days ago. I have since sent another {$180.00} payment to them which should take the adjusted principal by my calculations to {$160.00} plus interest & origination fee???? Yet, I owe them close to {$1000.00} still because I was upset and in a hurry and did not have the luxury of finding another lender for a day or two so that I would not incur a couple of hundred more dollars in vet bills. The vet would have cost less!!! I have attached a spreadsheet of my per diem and payment calculations based on how they told me the loan was calculated when I signed the first document and in my previous loans with them. Please keep in mind as of todays date the first loan was a little over 90 days ago and the second " refinance '' I could not cancel due to the holiday closure is now about 2 weeks old. Total amount received from them by me was {$1000.00}. Total payments paid to them {$890.00} and they say I still owe them more than all the payments I have paid in just 4 days from the " policy refinance. '' Please help. This is really stressing me out & messing with my XXXX . Thank you.
08/05/2023	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	MI XXXXX	Web
World Finance can not collect on a discharge debt. This is now considered a certificate of indebtedness which is income and can not be reported. World Finance agreed not to share my financial information with non affiliates and XXXX is not an affiliate of World Finance. XXXX is not the real credit bureau the only credit bureau is the CFPB and they do not furnish consumer reports. 248.124 Reasonable opportunity to opt out. ( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). ( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means. ( 2 ) By electronic means. ( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means. ( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means. ( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted. ( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out. ( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
08/07/2023	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	MI XXXXX	Web
World Finance and XXXX continue to report my financial information without my written consent. World Finance agreed not to share my information with non affiliates. XXXX is not a known affiliate of World Finance nor is it the true credit bureau. The only true credit bureau is the CFPB and they do not furnish consumer reports. XXXX is a for profit company that compiles financial information on consumers and need their written consent to do so. World Finance can not collect on a discharged debt. A discharge debt is now considered a certificate of indebtedness which is income and can not be reported. Any consumer account that is terminated with a balance over a {$1.00} is credited to the consumer within 7 days. World Finance has not returned any of the account balance due to me the consumer. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. 162.6 Reasonable opportunity to opt out. ( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. ( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. ( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. ( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. ( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. ( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. ( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
12/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75154	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT 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 XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WORLD FINANCE CORPORATION & BAL. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with 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 identity theft reports 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX
12/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT 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 XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WORLD FINANCE CORPORAT bal. {$700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/02/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75232	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT 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 XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WFC bal. {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23229	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX 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 XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WORLD FIN bal. {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75165	Web
VRE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. WORLD FIN bal. {$220.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/07/2023	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	MI XXXXX	Web
WORLD FINANCE & XXXX continue to report this account with several late payments and without my written consent. The release of my financial history with World Finance is my private information and the release of it has caused me great stress. World Finance agreed not to share my non public information with anyone that was not affiliated. XXXX is not an affiliate of World Finance and is a for profit company. Neither has my permission to share my information. This is a discharged debt and can not be reported it is considered a certificate of indebtedness and income can not be reported. 162.6 Reasonable opportunity to opt out. ( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. ( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. ( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. ( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. ( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. ( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. ( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
11/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
I am utilizing CFPB as a credible agency to provide evidence in an ongoing complaint I have with World Finance Corporation. This is my formal notice of intent to sue for compensatory damages. This company has maliciously reported false information on my credit report, they have ignored my written documentation stating this account was fraud and they have repeatedly supplied false information to a government agency ( CFPB ). I wanted to establish a clear and irrefutable trail of documentation to show this companys repeated violation of my rights. This companys continued false reporting on my credit report has impacted my ability to purchase a home and has caused an increase in interest rates thereby causing undue and unjust hardship. The details are as follows. This company purchased an account from XXXX XXXX XX/XX/XXXX with my maiden name detailed. Without prior correspondence or communication, this company immediately reported this account on my credit bureaus the same month of purchase and falsified information received from XXXX XXXX to negatively impact my credit report. This company violated my rights. They failed to notify me of the account thereby forfeiting my right to dispute its validity. Due to this unjust and illegal practice, my pre-approval loan to purchase a home was impacted. This company blatantly ignored correspondence sent directly to its company from me advising the account they were reporting was fraud and also the details of the account ( furnished to them by XXXX XXXX XXXX ) were not being reported correctly to the credit bureaus. This company falsified the charge off date given to them by XXXX XXXX and reported to the credit bureaus as charged off as of XX/XX/XXXX. This company maliciously re-aged the debt. This company also reported a current balance on a charged off account as well. I contacted this company to verify the information they had on file and indeed, they did have what XXXX XXXX XXXX provided to them however due to malicious collection practices this company falsified the information to the credit bureaus and re-aged the debt along with reporting a current balance on a charged off account. The Information XXXX XXXX XXXX provided to World Financial Corporation is as follows. Opened on XX/XX/XXXX Defaulted XX/XX/XXXX. Charged off {$2000.00} opened {$0.00} balance I contacted World Finance Corporation to verify the information they have on file and a representative confirmed the information above. CFPB Records will show how the company reported knowingly reported false information to the credit bureau. The Information World Financial is reporting XXXX : Account Number XXXX Date Opened : XX/XX/XXXX Original Loan Amount : {$1300.00} Past Due Amount : {$1800.00} Status : Charge Off XX/XX/XXXX XXXX : Account Number XXXX Balance {$1300.00} Past Due {$1800.00} Date Closed XX/XX/XXXX Pay Status : charge off Date Updated : XX/XX/XXXX Date Opened XX/XX/XXXX This company responded to a government agency 3x stating false information. This company violated the FCRA and this company violated my consumer rights under the FCRA. The FCRA requires that those furnishing information to credit reporting agencies ( CRAs ) provide information that is accurate and complete. Furnishers also should prevent re-aging of debt, whereby they report the date of first delinquency as a later date than it actually is. They should be particularly careful in circumstances involving mergers, when a portfolio is acquired or sold, or in other situations where debt is transferred. The Federal Trade Commission, the Consumer Financial Protection Bureau and banking agencies also have rules for so-called furnishers. If any agency that furnishes information to credit reporting bureaus provides inaccurate information on your date of first delinquency, it could face monetary penalties. This company re-aged a debt on purpose and repeatedly reported the false information after receiving disputes from myself. This company responded to the CFPB 3 times with falsified information regarding the account. There are 3 documented occurrences from this that will be used as evidence. I contacted the original owner of the account ( XXXX XXXX XXXX ) and advised them, the account they sold was from fraudulent activity and they are actively investigating it as there is also an open case with CFPB. At the same time I opened the same dispute with World Financial Corporation and they failed to notify the credit bureaus and failed to investigate, instead they responded to through CFPB as if the account was accurate even though the original owner is actively investigating. This will also be used as evidence. I would like the CFPB to open a deeper investigation into the practices of this company as they are clearly violating consumer rights. This documentation will be used to show the ongoing violations World Finance Corporation has committed and I will be seeking compensatory damages due to this. World Finance Corporation this is my formal notice of intent to sue.
08/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
3-601. DISCHARGE AND EFFECT OF DISCHARGE. Primary tabs ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract. ( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge. 3-602. PAYMENT. ( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph. ( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to pay the note receives adequate notification of the transfer. ( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( 2 ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument. ( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. 3-603. TENDER OF PAYMENT. Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
04/16/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 31525	Web
About the loan with XXXX XXXX, I am very appreciative I was approved to receive. Due to Hurricane XXXX in XX/XX/XXXX, I have had extreme difficulties to regain financial stability due to mandatory relocation for my family and myself. Upon returning home, I applied immediately in XX/XX/XXXX for the Disaster Assistance through FEMA and U.S. Small Business Administration, in which I faxed all correspondence I received from both agencies to my creditors. Since, XX/XX/XXXX, I am suffering retaliation from management, in which has caused my health to become compromised. As a single mother and sole provider for my XXXX youngest sons, it has been a struggle for me to keep a roof over our heads and myself from being admitted to the hospital. Since, Hurricane XXXX and being retaliated against, it is beyond describing what my family and I continue experiencing. After completing the process required to obtain a loan through the U.S. Small Business Administration, I was denied and sent back to follow-up with FEMA. I gave up last month trying to seek help through both agencies. I made a {$110.00} payment in XX/XX/XXXX, the week of XX/XX/XXXX-XX/XX/XXXX with XXXX, a representative, in-person at XXXX XXXX. The loan officer by the name XXXX was present, as I was explaining the reason for the delay in payments. I called and spoke with XXXX, on XX/XX/XXXX to make another payment of {$75.00}. XXXX, the manager at XXXX XXXX, refused to accept my payment. OnXX/XX/XXXX, I spoke with XXXX ; he demanded payment of {$240.00} to be paid by the end of business day. I explained, I did not have that amount, but I will reach out to my mother, to see if she could cover the payment for me. Thankfully, my mother said, she would come from XXXX to pay the loan off for me. My mother asked me, to call XXXX to ask if they accept XXXX, XXXX or XXXX XXXX, in which my mother brought all three form of payments with her. I called XXXX, to inquire before my mother drove the distance to ensure they accepted each payment types. XXXX told me, they did accept, which I knew they accept XXXX because that is what type of payment source I use. After my mother drove over an hour and fifteen minutes to XXXX to pay the account in full, XXXX declined to accept each form of payment my mother offered to him. My mother came to my job, beyond upset to inform me of how XXXX handled, spoke and treated her. Of course, due to the circumstances, I am currently going through with my employer and being told of payment refusal, caused me to experience a severe XXXX XXXX. On XX/XX/XXXX, I called and spoke with XXXX, to make payment of {$220.00} with my XXXX. And also, express how upset my mother and I was of how XXXX knew she was traveling from a distance, mistreated her and refused payment, he agreed to accept the payment. To be told by XXXX, he could not take payment of {$220.00} per instructions from XXXX. The balance of my loan at the time was for {$600.00} after attempts since XX/XX/XXXX- {$75.00}, XX/XX/XXXX- {$240.00} agreed between XXXX and me but was offered to pay account by mother, and XX/XX/XXXX- {$220.00} was refused to be accepted by XXXX, the manager. As a consumer, I am responsible for repayment of the loan I have with XXXX XXXX. I provided documentation with the explanation to delay in repayment with assistance I applied for due to natural disaster assistance with payments made after the aftermath to the best of my ability. If it were not for XXXX XXXX refusal to accept payments, my account with XXXX XXXX would not be in its current state it is in. It would have been taken care of by my mother in full on XX/XX/XXXX. Just to be clear, I am struggling still with rent notification for payment due since XX/XX/XXXX. My youngest son will graduate in 6 weeks, and I have been unable to purchase his cap and gown, XXXX pictures and graduation pictures as of today. I am currently in the middle of filing a charge with XXXX by advisement from my attorney against my employer. I am truly going through more than I honestly can handle to keep from having a XXXX or XXXX XXXX. In which, I explained to XXXX and XXXX on the day, I went in-person to make a payment in XX/XX/XXXX. This complaint is on behalf of decisions and harassment behavior made by XXXX, the manager for pay for my loan account, in which he refused numerous times to accept payments. The type of behavior expressed by XXXX exceeds beyond harassment and mistreatment. Someone of his character should not be in management positions for corporations, such as XXXX XXXX, etc
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29150	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL [ XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont recognize this Fraudulent account Im a victim of identity theft. It is your duty to protect a consumer who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) Identity theft Despite two written requests, the unverified fraudulent items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that you only contacted the company thats paying your financial institution to report this fraudulent item without my consumer consent. DELETE THESE FRAUDULANT UNAPROVE REPORTS NOW because The law is very clear as to the Civil liability and the remedy available to me the consumer ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer DELETE THESE accounts or I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA to prove how ( bureau ) committed identity theft furnishing accounts without direct consumer consent. Late payment This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
11/01/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 62801	Web
I had a personal loan that was taken out through XXXX XXXX and made my last payment to them on XX/XX/2019 and have my debit card receipt to prove it. I called XXXX XXXX to see about making my payment in XX/XX/2019 and an individual from World Finance answered and I stated I was trying to contact XXXX XXXX and the individual pointed out that XXXX XXXX went out of business on XX/XX/2019 and that they bought all their accounts. I said that I was looking to pay on my loan but I do not have any contract with Word Finance. The individual asked for my name and after establishing that World Finance was trying to service my loan the person then stated that I was behind on my account and had not paid in several months. I stated that was wrong and that I did pay on my account and was asking where my previous payments have gone since I had made payments and had the receipt to prove it. The person then got rude and obnoxious and just wanted to argue. I hung up and contacted World Finance in XXXX, Illinois and spoke with the office manager there and his name was XXXX. I informed him of the situation and he then looked into the account and stated that he seen where there was a lump payment on the account the day before XXXX XXXX closed and asked if I made that one. I told the manager that I did not but when I called XXXX XXXX earlier in XXXX and made my payment that the office manager at the time stated she could not find the payments that I had made an asked who did I speak with. I told her I did not recall and that they did take my payments and that I have the receipts from my debit card to show my payments. The office manager in XXXX, Illinois, XXXX, then stated that he would do an investigation into the account and get back to me. I stated that I would make my payment then on XX/XX/2019 and XXXX stated that If I made the payment that day it would bring my account current and that after a couple payments my payments after that would drop from the {$87.00} that they were to {$70.00} and then the account would be back on track. I asked XXXX to investigate where the payment for XXXX was that I made and see why my other payments that I had made were missing then showed up on the account in one day when I never paid like that. I then waited for about a week around XX/XX/2019 and asked to talk to XXXX. An individual named XXXX then took my call and stated XXXX was on vacation and that she would call him and email him and have him get back to me. I never heard anything back but received a receipt in the mail from World Finance stating that I was behind on my payments and that the missing payments on my account that XXXX said showed up paid on the day prior were not there now. I then contacted World Finance and asked what was going on and XXXX stated I would have to wait for XXXX to return and contact me. I was then asked by XXXX if I wanted to make another payment and I stated No because my payments are clearly not getting processed except that one payment that I just made prior and would deal with XXXX the manager. I did not hear back from XXXX until XX/XX/2019 and he left a voicemail. I talked to XXXX briefly who claimed he was trying to reach me several times and I stated he was wrong because his office called and got me and I only got letters from World Finance asked me to renew my loan and that my payments from XXXX XXXX were not showing when he stated they were on the account. I told him that he did not try contacting me and that this was the first time he even tried to reach me and that I notified the Attorney General of Illinois of the loan practices of World Finance and that was by letter and that is the only reason for his call. The Attorney General advised me that they tried contacting World Finance and they did not receive any response and to further my case to the appropriate agency and or file a case in small claims court. World Finance has not only lied to me multiple times but have lost payments and have not credited the account.
02/08/2017	No	Payday loan	Charged fees or interest I didn't expect	AL 356XX	Web
I took out a {$400.00} loan from XXXX to get some more credit established. They gave me a check. I had the check deposited into my savings account. My payments were {$80.00} a month for 6 months or so. This was in XXXX of XXXX. I made my payments perfectly. I went in to make a payment one day and I asked what my balance was and they told me it was {$160.00}. I decided to pay off the loan all together. Meaning the loan was paid in full. Between 6-9 months later they sent me a payment statement saying that I owed a payment. Knowing I had paid it off I disregarded it. A month or so later I received another payment statement saying that I again needed to make a payment. The following day I went by World Finance Corporation located at XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX to find out why I was receiving these payment requests. They told me they were sorry and that I would n't be getting anymore and once again clarified to me that my loan balance was indeed XXXX. I did n't get anymore payment requests in the Mail. I got my paycheck about 4 days ago on Friday the XXXX of XXXX XXXX direct deposited into my bank account as usual. I pay a few bills as Is the norm. I check my balance yesterday and I 'm wondering why it 's so low. Thinking there 's no way I spent that much. I call my bank and World Finance Corporation has garnished my money. They took {$260.00} out of my bank account, and my account will be frozen until I pay the " remaining '' {$380.00} that I " owe ''. I was furious. How on earth could this be happening. I had been told twice my loan balance was XXXX. As in I did n't owe them anything. They only take cash payments. The receipts I was given were gone as this was to my knowledge paid for over a year ago. I regretfully did n't keep the receipts. I went by XXXX and they say it 's been sent to corporate call corporate, as if they have nothing to do with it. I spent an hour talking to someone at corporate saying that I had paid my loan off but I did n't pay the Fees. Fees? I was told twice my balance was XXXX. Why would they not include fees with my balance owed? Why was n't I told yes your balance is XXXX but you do have fees remaining? I could 've taken care of the fees the same day. I pay all my bills electronically since I had paid off my loan in Cash with World Finance Corporation. I have no need to make sure I check my mail. I get home yesterday and check the mail as I live in an apartment and I have a court summons saying I 'm being taken to court by XXXX. Dated XXXX XXXX XXXX. It 's 19 days old. I did n't even have a chance to fight it. Even if I had I would 've had to get a lawyer or something because the receipts are gone and because I was n't expecting anything like this I dont check my mail box but maybe once a month. I 'm having to pay over {$1000.00} for a {$400.00} loan that I was told was paid for and that my balance was {$0.00}. They failed to mention the fees. I can only assume this is the case for all there customers. Management must instruct them to never mention fees because they want this to happen. I 'm having to scrape up money to pay the remaining balance so that I can get my account unfrozen. This is absolutely insane. How is this not illegal? Wrong was done here. Something has got to be done. My Fianc and I have a XXXX son who 's in daycare at {$90.00} a week. This is brutal to our budget. It 's placing enormous undue stress and anxiety on us both unnecessarily. I 'm embarrassed that I had to tell my boss to give me a paper check because my account was frozen. I feel I 've been preyed upon through legal loopholes engineered for legal Theft. I can not stand a theif. I was stolen from. XXXX stole money from me after I was told twice in person that my balance was {$0.00}. Never again. I 'll write 50 reviews. I 'm going to expose this as much as I can.
08/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 298XX	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Collection Agency Name : World Finance Co. Collection Agency AddressXXXX XXXX XXXX. Collection Agency City, 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
02/20/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30907	Web
Date : XX/XX/2022 XXXX XXXX XXXX XXXX CT. XXXX, GA XXXX Collection Agency Name : World Finance XXXX XXXX XXXX. XXXX, Ga XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for World finance in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
06/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28590	Web	Servicemember
On XX/XX/2018 XXXX XXXX XXXX put a collection account on my credit file for {$250.00} from a check into cash. Wow, this is the first I am hearing or seeing about this. When I never borrowed money from this company. So, I going to go through the proper channels and dispute this debt and ask for validation from XXXX XXXX XXXX. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 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 detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best XXXX XXXX XXXX
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46268	Web
I noticed an account on my credit reports from a company called WORLD FINANCE CORPORATION that I had no business relationship with. XXXX XXXX was attempting to collect on a an alleged debt in the amount of {$1600.00}. I have had my identity stolen and sent WORLD FINANCE CORPORATION a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent WORLD FINANCE CORPORATION account with the credit bureaus. WORLD FINANCE CORPORATION however continued reporting this fraudulent WORLD FINANCE CORPORATION account with the credit bureaus. XX/XX/2023 I noticed WORLD FINANCE CORPORATION still reporting this fraudulent WORLD FINANCE CORPORATION account with the credit bureaus. I then sent WORLD FINANCE CORPORATION a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between WORLD FINANCE CORPORATION and myself and the original application for the account. WORLD FINANCE CORPORATION violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) WORLD FINANCE CORPORATION was required to cease collection efforts until the alleged debt was validated but failed to do so. WORLD FINANCE CORPORATION continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent WORLD FINANCE CORPORATION account XX/XX/2023 on my credit reports. I then sent WORLD FINANCE CORPORATION a FAILURE TO RESPOND letter via mail XX/XX/2023. WORLD FINANCE CORPORATION violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. WORLD FINANCE CORPORATION violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. WORLD FINANCE CORPORATION violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) WORLD FINANCE CORPORATION was required to cease collection efforts until the alleged debt was validated but failed to do so. WORLD FINANCE CORPORATION continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, WORLD FINANCE CORPORATION FAILED TO RESPOND to the DEBT VALIDATION LETTER within XXXX days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. WORLD FINANCE CORPORATION violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within XXXX days. I saw the fraudulent WORLD FINANCE CORPORATION account XX/XX/2023 on my credit reports and it is still there as of this filing.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37086	Web
I have or have reported this situation to XXXX, XXXX and XXXX and have submitted a dispute request and/or fraud report. I informed him but unfortunately they denied me more than 4 times. I do not understand why they have not wanted to help me even by sending documents from the Courts. Accounts and Collection : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PAST DUE : {$120.00} ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Original creditor : XXXX ACCOUNT # XXXX XXXX. THE XXXX XXXX XXXX ACCOUNT # XXXX This is inquiries is never authorize : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Automotive XXXX XXXX LA XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
10/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78504	Web
XX/XX/XXXX I applied for a loan with World Finance at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. During the application process, I was told I was approved. The manager was entering in all my information and asked me proof of income and references. Soon after, she told me that an account would show up under my social security number that she had not seen before. I explained that it was discharged in a bankruptcy in XXXX and that I no longer owe the amount. She said that she would need to call the CORP office and have it fixed and would call me on Monday. XX/XX/XXXX I had not received a call and finally got around to calling for status. She told me that I would first have to pay the amount owed before she could re issue a new loan under my name. I then explained to her that I did not owe any monies as I was discharged in a Chapter XXXX bankruptcy and that she could not collect or have a balance owed. She then asked when I would be able to pay. She also stated I had TWO bankruptcy 's, which I do not. I then asked for her supervisors number which she purposely did not give correctly. I soon talked to the District Manager and he again stated that I had a balance. He stated that having that balance owed would be the reason that a loan would not be approved. He said that I still had a balance that I needed to pay. I then asked for his supervisor. I talked to Regional Director regarding this same issue. I asked her why I was being denied credit. I told her that I was approved and that it was later denied because of this balance that was included in the bankruptcy and that was the sole reason for the denial. I told her that two employees attempted to collect even though a discharged was confirmed over the phone with her I also told her that they later said that loan was also denied because of the type of income I had. ( Social Security ) She proceeded to look at my application again and started naming some things that had not been mentioned before. She said I had some credit cards that were late, I explained that they were in dispute because of COVID regulation. She said that based on that information that I would still be denied for the loan even though that was never an issue brought up by the other two persons. The ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ), which implements the ECOA, prohibit discrimination in any part of most credit transactions : applications for credit credit evaluations restrictions in granting credit collection procedures The ECOA makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because of : public assistance status, or exercise of your rights under certain consumer protection laws, like the Fair Credit Reporting Act ( FCRA ) I believe that I was discriminated against because of these things and because I filed a complaint with the CORP office regarding this matter. Instead, I was retaliated against because I was exercising my rights under Consumer protection laws, and exerting my rights under the chapter XXXX bankruptcy. It is my understanding that they are in violation of the bankruptcy order because they used the " balance '' discharged in my bankruptcy to determine credit, even though, I had already been approved by the Branch Manager and then I was later re evaluated by the Regional Manger because she was obviously looking for reasons to deny my application.
12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30281	Web
I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. WORLD FINANCE CORPORATION has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) WORLD FINANCE CORPORATION engaged in conduct that has harassed, oppressed, and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. WORLD FINANCE CORPORATION has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC. WORLD FINANCE CORPORATION has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). WORLD FINANCE CORPORATION has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) WORLD FINANCE CORPORATION has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt. 2 ). the name of the creditor to whom the debt is owed. XXXX ). A Miranda which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another Miranda which states if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 5 ). And a final Miranda which states upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. My failure to dispute the validity of this alleged debt may not be construed as an admission of liability! 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These abusive and deceptive actions have caused a denial of credit and WORLD FINANCE CORPORATION is liable to me for actual damages sustained due to violations committed under the FDCPA.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web
I open an account with world finance XX/XX/XXXX. I have refinance this account a few times. This account has never reported to my credit monthly. I noticed some issues with my account balance starting XX/XX/XXXX. I was given a late fee after I was told by the worker to come in days later. I was told that the late fee would be waived at that time my balance was XXXX. I questioned continuing to pay this account because I know my balance was incorrect and somehow someone messed up. The next month XX/XX/XXXX & XX/XX/XXXX I did pay late. A {$10.00} fee was assessed. I paid late because my balance somehow jumped from {$790.00} back to {$1000.00} and no one could explain. XXXX of the workers said that I refinanced on XX/XX/XXXX. If I refinanced XXXX the XXXX why would you charge me a {$10.00} late fee for coming in to pay XX/XX/XXXX? My payment date was the XXXX. I came in to pay the loan on the XXXX because I was told to. Which is XXXX days past my due date. So how can I refinance by your paperwork that says the XXXX if you charged me a late fee? I have proof of what I was told my balance was. XXXX, XXXX, XXXX nothing reported to my credit. XXXX I went in to pay on my loan and I was given another off the Wall amount to pay which was not accurate or adding up. This is a place of business so to not argue I paid it and left. I went back a few days later because they were customers coming to do business and I was frustrated. I was told that if I refinance I could refinance at a lower payment amount. Then I was told that I could not do that because she had to contact someone at another office so to just refinance. This was in XXXX. I noticed XXXX the XXXX my credit score with XXXX dropped XXXX points due to world finance reporting XXXX times in the month of XXXX. I did call and report this to the store. I did ask why did they report to XXXX that I had a loan for XXXX I closed it opened it closed it opened it that's not accurate. No one knew where the balance came from no one knew who did I need to speak to. So eventually the district manager called me. She blamed me. She also threatened that if I file a complaint with this office that she would tell the store not to do any more business with me. The office manager told me to meet her in the office at the store in XXXX XXXX Texas XXXX the XXXX XXXX. She told me to meet her there at XXXX XXXX I went there she never showed up. I asked the lady in the store to show me where I've ever had a loan balance of XXXX and I asked her why did they report to the credit bureau back to back in XXXX month. She told me it was my problem and I needed to dispute it. I asked her to look in the computer system and tell me where I've even taken out a loan for {$880.00}. She looked and said oh it was maybe {$30.00} {$40.00} less. So I asked her why did they report this and she said she don't know just dispute it. This office has a lied to the credit bureau they have lied to me about my loan balance finance charges. Even when I was late I was called and I asked them not to call me I will come in and make a payment when I can. I was told that they're going to call me anyway or start calling people from my list. This loan business have been giving me problems since XXXX and I just didn't catch it until now.
04/19/2018	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IN 46151	Web
XXXX XXXX in XXXX, Indiana. There has almost always been the same two, XXXX, and a blonde, very thin woman, I think her name is XXXX. It has been a couple years ago, I was at an auction and I bid {$5000.00} on a house, and blew my mind when I won. I didn't exactly have the cash, and thought I could get a loan for some of it. I went to XXXX XXXX. My credit was fine. my income was worrisome. I am XXXX, and otherwise get odd jobs, writing assignments etc.. that is some self-employment. Your own loan officers made a suggestion that I go get proof, or a note, typed on a ''letterhead '' so it said all my self-employment came from a real company. sure, I didn't mind, how I had to show my income, I needed the approval. I also over time got an extension added to the loan. They would walk away and ask me to make up something to attach the loan to. I paid the payments which were an outrage due to the high rates on time, then near end of loan I got a little behind. Yes, I am still behind approximately {$580.00}. I make payments whenever possible, at least monthly, and this is the amount I am behind over a period of time so being nothing more than an accumulation of late fees and extra interest on the loan over time really. The reason I got a little behind was due to severe health problems, which I notified them of my difficulty. The total amount due to pay off the loan? about {$580.00}. Needless to say that this points out that I notified them of illness, and other than the accumulated fees and extra interest you see here, it would mean I might have missed 1 payment overall. Honestly, I would say not bad considering the loan officers wanted fake work notes to give me the loan. How many families did they push loans on that couldn't afford them? I have paid, and am currently making regular payments to XXXX XXXX. I should be paid off soon. That's great right? Right! Problem currently is they won't stop calling me. Just as I say I am ill, I pay when I can, which leads up to a payment per month, they keep calling. i got very angry and asked XXXX to stop and hung up on him. He immediately called back. I blocked their number and they would not stop. now they are calling my XXXX XXXX XXXX mother and harassing her. They have crossed the ground into stalking. Even when I am paying every month! On top of it being an illegally pushed through loan by one their own officers who exploited my needs and told me the only way to get the loan was to make up a business letterhead and write a note saying how much I make being self-employed, but look like an employee. Now they stalk and harass me, my mother, my ex-mother-in-law, my aunt, my boyfriend, and I am afraid of who is next! And I am a paying customer who was duped into doing business here. I believe EVERY loan should be reviewed in this location. They are taking advantage of a community, and brow-beating, stalking, and causing undue stress and anxiety on many elderly with their collection activities on loans in a low-income community that does not need this type of predator in its midst. I am only asking for a review, maybe a review of this company, this location, and its current loans. I will pay what I owe, and know to not do business there again.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32301	Web
I have inquiries thats on my credit report that needs to be deleted immediately because I didnt authorized these companies to run my credit which is fraudulent. XXXX. WORLD ACCEPTANCE - XXXX Inquiry : XXXX. XXXX, XXXX No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No contact information has been reported by this creditor. XXXX. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37043	Web	Older American, Servicemember
In XXXX XXXX we took out a SECURED loan w/World Finance ( WF ) in the amount {$5000.00} ; and, also took out insurance, should I become unemployed due to no fault of my own, the installments would be made on my behalf. XXXX XXXX, XXXX, I made a payment in the amount of {$200.00} ; and, on or around the XXXX of XXXX XXXX, I was laid off. I submitted the appropriate documents WF requested where I was approved for unemployment from the State of Tennessee and documents from the employer that laid me off to the WF office where the loan originated. I received a phone call from the Manager a few weeks later she did not know how to submit the claim to the insurance company and instead offered to refund the monies I had paid for the insurance policy. I told her that I paid for this policy and I needed it to pay off and suggested she call a supervisor or someone that could assist her. I found out that she instead called another finance company, we had a loan with, in the same town, to find out how they submitted the claim on us. I continued to submit my employment searches believing the Manager was taking care of the insurance and never once was I told any different. Fast forward to XXXX XXXX. I checked my credit and discovered in XXXX XXXX, WF had " charged off '' this secured loan as a bad debt. I called twice and left a message with XXXX of the employees for the Manager to return my call. The call was never returned. I never received a phone call, letter, nor any type of communication trying to collect on this secured loan. Then on or around XXXX XXXX, XXXX, I received a letter from a collection agency where WF had turned the account over to them with an amount due of {$2900.00}. I called the collection agency and told them the above-scenario and was advised to visit the WF office personally and take the letter we had received and explain it should have never been turned over for collection. My husband and I went to WF on XXXX XXXX, XXXX @ XXXX and talked with the Manager. She " said '' the last attempt they made to contact me was in XXXX XXXX ( I NEVER received a call from them ). I told her I had left messages for her to call me and she said she never got the message. She had copies of a letter ( s ) from the insurance company stating they were not paying off as they never received documents they were needing. I asked her where all the documents were I had dropped off, i.e. job searches, etc. She did not have them in the file and said she had never received them. My husband asked her since we were getting no where what could be done and she said it was out of her hands and she would need to contact her Area Supervisor. My husband told her to get him on the phone, we would wait. She left the area and tried to get in touch with him. She came back and said she could not contact him. She gave us his name and phone number. I have tried unsuccessfully to contact this gentleman 3+ times and left messages and he has not returned my call. I have contacted the collection agency and kept them informed and they have placed the account in a " hold '' status for 30-days.
06/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 306XX	Web
World Finance gave me a loan that was fraudulent Because there is no Lawful money, and it can't be a Loaned the Date of the alleged loan was XX/XX/2018. On the Consumer credit transaction, I extended my credit out to them with my Credit Card ( SSN ) under Federal law 15 USC 1602 ( I ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Upon me looking at the Truth and Lending Statement I've found Fraud under ( T.I.L.A ) there's a Finance charge involved and I wasn't told that the Finance charge was the sum of all payments not in comparison to cash transaction under 15 USC 1605 ( a ) ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : THEY BROKE THE LAW ALSO, NO DISCLOSURE WAS GIVEN TO ME REGARDING THE RIGHT OF RECESSION 15 USC 1635 ( A ) ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. I WANT THIS FRAUD ACCOUNT DELETED AND REMOVE ALL INFORMATION FROM THE CONSUMER REPORTING AGENCIES
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by World Finance Corporation. While checking my credit report, it came to my notice that World Finance Corporation has furnished XXXX accounts # XXXX & XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by World Finance Corporation will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state 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. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding these accounts, XXXX, and XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or World Finance Corporation, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 161XX	Web
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 consumer s 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 XXXX 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. '' World Finance Company is a financial institution by definition under that title. 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. '' World Finance Company the financial institution and the XXXX 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, World Finance Company 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. World Finance Company 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.
05/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77092	Web
Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that WORLD FINANCE CORPORATIO absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30021	Web
In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for furnishing this false and misleading charge off to my consumer report. World Acceptance Corporation stated, XXXX XXXX received a loan from our XXXX, GA branch on XX/XX/2017, in the amount of {$420.00}. XXXX aware that my signature paid for this transaction, and nothing was actually loaned to me. To insinuate that I was actually loaned anything of equal value constitutes a fraud being committed. If this bank did indeed give me a loan as they allege, I would need a senior XXXX member of this organization to put on a sworn statement of facts attesting to that. I am aware that obtaining money by means of a fraudulent loan would make World Acceptance Corporation liable for civil and criminal penalties under 18 Code Code 1341. If this cant be done, World Acceptance Corporation cant allege they loaned me anything and shall return to me, by way of check to the address on file, the {$70.00} I made to this fraudulent loan. World Acceptance Corporation state XXXX XXXX debt was charged off, not canceled. I would like to thank you for clarifying that the alleged debt was charged off an because it was charged off, I am aware that collection activity should have ceased. Collection activities include reporting delinquencies to the consumer reporting agencies. I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. This account is reporting as both inaccurate and false and misleading. You are now committing unlawful extortionate collection activities and in violation of 15 Code 1681s-2 by furnishing knowingly false and misleading information as a means of coercing me to pay this alleged debt. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. This is my refusal to pay this alleged debt until the documentary evidence requested herein this complaint is provided. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
08/26/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 362XX	Web
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 agent , attorney 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, WORLD ACCEPT 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. WORLD ACCEPT 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. WORLD ACCEP T 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/2XXXX XXXXXXXX XXXX, agent, 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.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 616XX	Web
Complaints against World Finance Corporation, and XXXX, XXXX, and XXXX. World finance has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that World Finance continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureau report, I marked all information from World Finance that was inaccurate. I sent letters via US certified mail in XXXX, awaring World Finance of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with XXXX and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to XXXX, XXXX, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the XXXX Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
08/07/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90746	Web	Servicemember
J.H. Portfolio debt collection practices on my credit and have been placed for collections. I contacted the XXXX major Credit bureaus, and XXXXXXXX with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. XXXX validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 2. The number one way companies validate an account is through a signature neither of the entities above have done so. 3. My information along with others in his XXXX had been stolen XXXX. XXXX very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. In the meantime XXXX XXXX must cease and desist all debt collection practices. In the event XXXX. XXXX or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
06/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30032	Web
I went into World Finance in XXXX of XXXX due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours later she said I was approved for XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in XXXX I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in XXXX , I called and spoke to a representative, XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative, XXXX , who could not provide me any information either. I spoke to the branch XXXX XXXX once who could not explain how the interest was charged either. I went into the branch one afternoon and sat with someone and still she still could not help. I called customer service on XXXX XXXX , XXXX and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of XXXX , I was financed for the amount of XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today XXXX XXXX , XXXX I went into the branch and sat with XXXX face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.
03/08/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 379XX	Web	Older American, Servicemember
After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM XXXXX	Web
Company rode off closed my account without my consent without my acknowledgment. Without my agreement, no contact informing me of the actions taking part on my account. I didn't consent nor did I receive any articles of notification. No a phone call letter in the mail. When contacting them they said by law they don't need my permission to sell my account to a Third party And when I asked for information about it. They said the account was closed. And they can't give me any more information. Due to the fact that the account was close. WORLD FINANCE CORPORATIO I have disputed this many times with all three credit Bureaus. On one instance I had gotten I had made it dispute to have 1 of the negative items removed from my credit report because of the fact it was written off and closed without my consent written agreement. Or did I approve it? They then took it off of my report and 3 days later. They put it back on my report. I have to call them and get upset with them. I don't understand why they took that credit report off. Which is exactly the same in the matter that they both were written off and without my consent. Why is one of them taking off and not the other? That doesn't make sense when they're both written off and closed. They both should have been taken off due to the fact that if they sold my account, that means they forged my signature and that is against the law. Without me, approving or knowing about it without even informing me. Now one of them was deleted. But the other one, they're keeping on my record 7 years " Now this is causing me great deal of harm to my well-being to my financial structure ''. As far as continue to live a prosperous life with the accessTo my credit. In fact, these companies falsified official documents selling my account Without any permissions or signatures by me. Without even my acknowledgment of the fact they were doing suggestions even on occasions. I looked at my credit report. I would have really appreciate me being treated With the rights that I am entitled to Having this deleted off my credit report .Because of the fact that it is against the policy and the Procedures of the consumer Protection act. Like I said this is causing me great " Harm '' and disrupting my " well-being '' and " way of life '' to be " disruptive Immensely. '' I need this matter resolved immediately or as soon as possible.! I appreciate all you do and all your efforts. And the knowledge that you guys share for the consumers. Sincerely a consumer of the United States of America. XXXX XXXX
06/03/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 640XX	Web
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
06/03/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 640XX	Web
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
11/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TN 380XX	Web
1.I have never had an account with this company WORLD FINANCE CORPORATION XXXX , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WORLD FINANCE CORPORATION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
08/31/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
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 agent XXXX attorney 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, WORLD FIN 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. WORLD FIN 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. WORLD FIN 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.
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	AL 366XX	Web
I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your company, specifically regarding my accounts with XXXX, XXXX, and XXXX. As per my records, the dates of the accounts opened are as follows : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. Furthermore, the reported high credit amounts are XXXX- {$430.00}, XXXX- {$430.00}, and XXXX- {$580.00}. However, the dates of the last report provided by your company are incorrect. The accurate dates are XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. 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,
03/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web
In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. In reference to IRS publication 4681 Cat. No. XXXX, a canceled debt must be reported as gross income on your tax return. It is unlawful to report income to my consumer report. I am aware that if the canceled debt was not more than {$600.00}, World Finance was still required to report the debt as income to the IRS. Also note that if World Finance Corporation has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I never received a 1099c from this company and it is my belief that they are attempting unlawful extortionate means. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
10/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29063	Web
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692 ( c ) ( I ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. SINCERELY, XXXX XXXX
02/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both XXXX XXXX and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
08/25/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 291XX	Web
World Finance has repeatedly called me before and immediately after making a {$150.00} payment towards the {$550.00} balance reported on my credit report since XX/XX/XXXX. Due to a job layoff, I have not been able to focus any payment toward the reported {$400.00} balance and have had to address more immediate needs as a result. As a result, also addressing my financial and credit situation I have reached out with the attempts to verify the correct amount and reported credit information I have not received my request via mail from the company instead have gotten updated credit reports still displaying the {$400.00} balance and address XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Today ( XX/XX/XXXX ) XXXX told me XXXX XXXX XXXX XXXX XXXX was the right address but ( not listed on the report ) and that I was not eligible for a Goodwill Letter with the request to settle the account. XXXX has called several times from XXXX but asked for a callback to XXXX ext XXXX. When I called the number couldn't be reached and I called back to XXXX only to be told by Sup XXXX that the XXXX XXXX XXXX XXXX XXXX was the right address with denial about knowing XXXX XXXX XXXX XXXX, SC XXXX and return mail that she claims were not received. I have verification of other mail coming from XXXX XXXX XXXX XXXX, SC XXXX. Yet this time I got an apparently opened and retaped return undeliverable letter that was not stamped or signed on the green verification card. Sup kept referencing payment arrangements like XXXX but not taking ownership when I expressed FDCPA under sections XXXX law about incorrect information. And I will attach the law as it states under the FDCPA All XXXX Credit XXXX XXXX have XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX listed as reporting on my credit report which was updated on XX/XX/XXXX. Yet when calling credit bureaus they have XXXX XXXX XXXX SC which contradicts the fact that the updated address that they claim has not been reported or updated referencing accuracy. " XXXX kept saying she did not know why this was being the reported address ''. She wanted me to speak with the compliance department, however, I opted for no repeats due to the constant call of harassment under the FDCPA section 806. She also asked for my email address which should already be on file with the correct information. Whole account number not listed just the last 4 numbers
12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owned your {$1600.00}, which I know I did not do any business with your company. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 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 : XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Last XXXX XXXX
07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77095	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. WORLD FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
01/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IN 46218	Web
In XX/XX/XXXX I opened up a loan with World Finance in XXXX Indiana. I did really well making my payments until late XX/XX/XXXX I took time off from work due to health reasons and have been out of work ever since. At the time I did explain to them why I had not been making payments and that I could not afford to make any payments at all because I was not working. They did not continue to contact me up until late XX/XX/XXXX. I do apologize I do not have an exact date. A lady from the office in XXXX Indiana called me and told me that she is charging off the account as a negative account. I tried to again explain to her that I had spoke with someone before and told them that I was not working at the time. She then informed me that I should have been more responsible because she is not responsible for the loan, that I am responsible for the loan and paying it back. She then stated I could have used the insurance for the payment protection plan that I had but I never knew that it was in my contract as I do not have access To my contract at the moment. I explained to her that no one told me about that option and she stated that it was too late to use it. She then asked me am I going to pay the balance in full or she will just charge it off and send it to collections. I told her that due to my circumstances of being out of work I would not be able to make the payments at this time. She then told me that they could come after me for my federal and stage taxes. I meant to file this complaint a couple of months ago but it slipped my mind up until I recently viewed my credit report. Im pretty sure all of the calls are monitored and recorded at the XXXX location just like all calls for any company are monitored and recorded by any company such as world finance. I would like someone to pull the tape to find out the representative who threatened to take my taxes. Since then World Finance has not attempted to call me and collect any debt the only time they call me is to ask to speak to someone that I know that also has a loan through them that use me as a reference not once have they called me about my own loan with them. I am happy to pay the debt as long as they remove the negative remarks and negative charge offs from my credit report. I will also be filing a complaint with the XXXX and the attorney generals office
11/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30252	Web
On XX/XX/2019 I obtained a loan from a company called World Finance, located at XXXX XXXX XXXX, XXXX Ga, XXXX. The loan that I received and requested and was also issued a check for was in the amount of {$1200.00}. The transaction was handled in the late evening after a long day of work and upon arrival the office was closing in 10 minutes. The owner of the branch whose name is XXXX, sat down with me and went over my loan paperwork and had me sign. I was clearly aware of the high APR and was also advised that there was no prepayment penalty, later that evening I did a mobile deposit and deposited the check into my bank account. The next day I realized that I no longer wanted this loan and could probably get a better rate elsewhere and made a decision to cancel. I contacted World Finance on XX/XX/2019 at that time I again spoke with XXXX and advised him that I still had the funds and would like to return in full and cancel my loan. He advised me that because I deposited it, I would be unable to do so and would need to pay in full the amount of {$1400.00}. I was shocked as it had not even been a full 72 hours and that for two days I would have to pay almost {$210.00} additional plus what I had borrowed. I realized then that something was not right and that may have been taken advantage of, in my time of need. To avoid any additional fees/fines/interest I went ahead and paid what XXXX had advised me to pay in order to cover the loan. I am fully aware that I signed a contract with an interest rate that is extremely high and abnormal. My concern however is that the additional {$210.00} I had to pay to cover my loan and that I had only had for 3 days was quite excessive and again abnormal. Per the FTC, I was advised to file a complaint with the CFPB. I am really hoping that someone will take a look into this. If it happened to me I am sure it has happened to so many others. I blame myself for putting myself in a situation where I would have to pay back a loan double than what I received what I didn't realize is the fees associated with it, that would be assessed within just 3 days of having the loan. This has to be illegal. Attached you will see all my loan documents, the check that was issued to me and the confirmation of the amount that was paid to world Finance by me. Thank you for your help.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 306XX	Web
I'm an Federally Protected CONSUMER! YALL ARE IN VIOLATOIN OF MY RIGHTS You are XXXX XXXX on NOTICE Pending Further Counsel! I've Sent several Validation letters an Verification letters. World Acceptance Corporation are in violation of Federal Laws as the Follows Per FDCPA and Privacy Violations also Fair and Accurate reporting. I DO NOT OWE THE ALLEGED DEBT!!!! The Debt Collection is also outside of the Statute for Collecting on the Debt and has been Charged off " XX/XX/2018 '' Acct # XXXX and they keep Reupdating the balance which is Fraudulent and very Deceptive See Attachments for Dates. As far as I know I didn't give them permission to communicate with Third Parties under 15 USC 1692 ( a ) ( b ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I am really offended that they want Settlement arrangement 's after Stating they Written off the debt that unfair Provide me Original Copies of Agreement 's. under 15 U.S. Code 1692e ( 10 ) - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. what that means is Saying I owe Something I don't per HJR- 192 this is an Obligation of the United States ! no one has been able to pay a Debt. I'm demanding the Removal of these duplicate Accounts and any information there of, I DONT OWE WORLD ACCEPTANCE NOR DO I OWE ANY DEBT DELETE THE FOLLOWING ACCOUNTS SEE ATTACHED
09/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX XXXXX	Web
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX XXXX XXXX XXXX SC XXXX XXXX : PARTIAL ACCOUNT NUMBER : XXXX .... To whom it may concern : This letter is being sent to you in response to the above reference account that WORLD FINANCE CORP has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME ALLOWED BY LAW. At this time I will also inform you that your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all XXXX of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against WORLD FINANCE CORP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
10/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60616	Web
I took out a personal loan with World Finance, and up until a few months ago, I have been making payments on the loan. I received a payment that was reversed out of my checking account. I tried contacting the loan company to address the matter but no one was answering my calls at the XXXX XXXX Illinois location. I later found out that the lender closed the XXXX location where I originated the loan, so I later found out the loan had been transferred to a new location. I called multiple times at the new location and it went into voicemail. Multiple messages were left and no return phone call. I received a notice that my wages would be deducted from my employer. In review of the letter, the letter was dated XX/XX/2023. It stated that I had 20 days to address the balance. However, the letter was not sent until XX/XX/2023. This meant that the lender appeared to be falsifying the date that they notified me of an attempt to wage assign my paycheck. With that stated, contacted the XXXX office and spoke to the manager XXXX She told me that the loan could be refinanced with one payment however, she did not have access to the account at her location. I then asked for the District Manager who she said was named XXXX. I contacted the South Carolina location which appears to be the corporate office to address the matter, but no one would assist me with the matter. I was told that the District Manager would be calling me 4 times no one called me. I called the corporate office on XX/XX/2023, and was told that the Regional Vice President XXXX XXXX would be calling me I did not receive a call from XXXX XXXX At this time, I am disputing any collections on this loan due to the Lender not returning calls and not doing what they have promised. In addition, they have violated state and federal statutes with the way that the wager assignment is attempting to be enforced. The Manager at the XXXX XXXX XXXX where the loan was transferred finally called me on Friday, XX/XX/2023, with a nasty attitude. She claims never called them and that is false. All she was telling me was that could not do anything. Then I tried to make a payment online and the account was blocked from me being able to access the account to make payments. At this time.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 762XX	Web
To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with World Finance. I had never been late in the 4 years of having an established credit loan with world finance. World Finance agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a XXXX mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. I feel like World Finance lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XXXX XXXX Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of World Finance she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.
09/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web
World Finance acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to XXXX in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. XXXX closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents and a XXXX by the name of XXXX XXXX # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a XXXX I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and XXXX has yet to respond. I was then transferred over to XXXX the XXXX and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported XXXX and World Finance to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA XXXX and world finance has broken a number of consumer laws and I will be moving forward with my XXXX because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!
07/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 381XX	Web
Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.
07/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web
This is in regard to World Finance Corp account # XXXX which I have disputed previously asking for validation of debt. Not verify but validate. Under the FCRA I have the right to ask for validation which they have not provided. That is a clear violation. Also they are being reported to all 3 credit agencies XXXX, XXXX and XXXX. and the information is not matching as it should under the FCRA. They must report accurate information. 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also it shows payment status as Charge off. The legal definition of charge off is, the writing off of a debt and termination of collection activity without release of personal liability. If this is true then it would not show up on my credit report with a balance. Another clear violation. I also have proof attached with different account types, and date last active. I also have the right to privacy.The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Proof attached of the inaccuracy and fairness and how they have violated my right to privacy. If this account is charged off, it should not be on my credit report with a balance at all. Also There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AR 72756	Web
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
12/15/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78640	Web
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have called and spoken with customer service of WFC, and I have filed disputes with XXXX, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. Both are charge-off accounts. However, one credit bureau says it's a collection account. When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these WFC accounts. I have tried to rectify this over the past 60 days.
09/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	GA 30076	Web
In XX/XX/XXXX, I became aware that my identity was stolen. I filed a police report with the XXXX Police Department in Georgia on XX/XX/XXXX. I have lived in Georgia since XX/XX/XXXX. There were numerous loans and accounts opened using my IL license and social security number. A XXXX XXXX XXXX account was opened on XX/XX/XXXX. A secured loan of {$2600.00} was applied for and accepted fraudulently in my name. Since the account has been open, I have called XXXX XXXX XXXX a countless number of times to dispute and make them aware of the fraudulent activity. When I first started making contact with XXXX XXXX XXXX, they didn't have a customer service support team neither a fraud department. The only person I was able to speak to using the telephone number ( XXXX ) XXXX was the receptionist. Therefore, I sent my Identity Theft Affidavit and other supporting documents to the XXXX XXXX XXXX in XXXX, SC XXXX listed on my XXXX report. On XX/XX/XXXX, my mother sent a letter to XXXX XXXX XXXX in my defense. I was not contacted about the documents and no one notified me to let me know that they were received. On XX/XX/XXXX, I disputed the XXXX XXXX XXXX account on XXXX. The results of my dispute were disclosed on XX/XX/XXXX. My dispute was denied by XXXX XXXX XXXX and the account has remained. On XX/XX/XXXX, I called XXXX XXXX XXXX, and to my surprise, they now have a customer service support team. I spoke to a gentleman on the team to inquire about the denial. He was able to lookup the fraudulent account by using my name. He let me know that my documents were received from a year ago, however, there were notes in the account saying that there were missing documents, therefore, the account has remained open. I inquired about the missing documents and he stated that it wasn't notated. He said he would pass my case to his supervisor and would make it of upmost importance, and she would contact me. On XX/XX/XXXX I, again, contacted XXXX XXXX XXXX because I had not spoke to a representative from this company since XX/XX/XXXX. The receptionist, answered and transferred me to a voicemail. I left a message, and as of XX/XX/XXXX I have not been contacted.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63119	Web
World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department ATTACHMENTS 5_CFPB Response XXXX XXXX ( XXXXXXXX XXXX )
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31313	Web
World finance is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the World finance to correct their error immediately with no progress. I also have an letter here from World finance for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. This is my last attempt before I send an intent to sue to both the credit bureaus and World finance! Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. Any further comments or questions can be directed to my legal representative. Sincerely,
09/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30064	Web
I was previoulsy informed by the Department of Homeland Security that my information was invovled in the security breech and that my information needed to be monitored. In late XXXX early XXXX my checking account was compromised and my payment that was sent to Worl Finance was returned. I contacted World Finance and explaned to them the situation and they agreed to allow me to bring my account payments current on or before XXXX XXXX. I set a payment to be payed from my new account on XXXX/XXXX/2015 which was recieved by World Finance. I received a phone call from them stating that they are refusing my payment because I had a report XXXX return payments. When I inquired about return payments he stated that my most recent payment was returned and a payment that was on a previous loan was returned as well. I informed him that I called about the previous payment and the conflict with my old checkking account being frozen due to the information breech which he confirmed was in the notes. He then stated that its a sign in the store that states when loan payments are returned XXXX or more times they are no longer going to accept payments from me. I then argues that my contract does not specify any of this and that I was unaware of any signs in the store. He the stated that he was returning my payment and that no other oayments sent to them form my bank will be accepted. I asked to speak to a manager but was told he would call me on Friday XXXX/XXXX/2015. On XXXX/XXXX/2015 the manager never called. I the contacted World Finance and I was spoken to harshly by a young woman on the phone. When I tried to explain my problem she stated that the polucy which I was calling about was a corporate policy and was not lsited in the contract. She then stated that the manage would then contact me on XXXX/XXXX/2015. As of XXXX/XXXX/2015 no one has contacted me and I have called several times to the store but now XXXX will take my call. XXXX payment made on XXXX/XXXX/2015 has been sent back to me. In addtion I would like to mention that I have had several loans with this company and have had an excellent lending history with them.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63119	Web
World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX )
02/11/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
On XX/XX/2022, I submitted a CFBP complaint about World Finance Corporation reporting inaccurate information on my consumer report. I, the consumer demanding World finance to removed this account they are reporting to my consumer report. They did not removed. On XX/XX/2022, World Finance sent a loan application, terms, and condition of the loan, a financial transaction history of the account, and a copy of the bill of sale agreement between. Worl Finance used to call me almost every day and after I sent them the debt verification, the phone calls stop but that does not mean that stop the stress, the mental breakdown, the humiliations, the embarrassment they had cause me. This inaccurate collection NOT MINE. I never provided any written consent or premissible purpose for this allege creditor to report on my credit report. I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted. I attach a copy of the identity theft report.
09/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62221	Web
I have tried to dispute world finance every since I've seen it on my credit report I did not open a pay day loan from them my actual loan is from security XXXX XXXX which who is no longer in business in the state of Illinois do to the law the state governor pass in XXXX which was supposed to reduce high interest rates and fees I have pretty much paid off this loan during there closing they sent out letter 's saying that they are no longer in business can't take payments so I look up World Finance sent me a letter saying I opened an account with them which is actually XXXX XXXX XXXX XXXX account that they sold to them and no they're forcing me to pay them and they have tremendously hurt my credit score I did not open no loan with them period world finance I have tried to upload the letter 's saying that they are no longer in business and it keeps coming back that I owe world finance and I opened a secure loan with them and I'm pass due 30 days if you notice I pay my bills on time I have some debt but needless to say that they're hurting my credit score with sending my stuff over to World Finance I did not go anywhere finance and apply for a loan I did not find any paperwork for World Finance anything in that nature my loan came from XXXX XXXX XXXX which is known as if XXXX and they are no longer in business so I am trying to figure out how can they damage my credit like they are and the laws has changed the loan is paid for basically I got this long almost 18 months ago I paid {$150.00} a month all the way up until XXXX and I started this this loan in XX/XX/XXXX XXXX of XXXX governor XXXX XXXX pass the law for these loan companies which force alot out of business due to extreme high interest rates and over charging minorities and low income people with low credit score high interest that was told to be corrected and has to stop now I'm being put in a situation where they is affecting me and my lively hood I am going to reach out as well to the governor of Illinois regarding this matter and I need someone to look further into this because it's wrong and it's not right
05/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37601	Web
I took out a high interest rate loan with the company XXXX XXXX in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from World Finance claiming they purchased the contracts from XXXX XXXX and I owed the debt to them. World Finance had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my XXXX XXXX accounts. I finally wanted World Finance to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. When I informed World Finance that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. I have included some of the collection notices and a copy of my original contract with XXXX. It appears to me from the language in that contract that my debt from XXXX XXXX was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them. ( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from XXXX XXXX as none of the correspondence from World FinancXXXX has an account number listed. )
10/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC XXXXX	Web
As I have so many times before has disputed this account with World Finance. World finance is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well. My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. WF say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as World Finance can not but steady reporting negatively to credit bureau. As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE under the FCRA!!!!!
06/21/2023	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	TN 37064	Web
there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is world financial company. There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. thanks
10/30/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OK 749XX	Web
World Acceptance of XXXX Oklahoma has called my place of work and asked for my boss then hung up multiple times ( I have no clue why they would want to speak to my boss but he is a lawyer and I knew he would tell them off for the illegal actions they were committing but they kept hanging up before I could get him ) then when I did talk to XXXX XXXX a loan officer with World Acceptance she threaten me with legal action and then again with taking my collateral which I told her she had to do what she needed to do but not without a court order and this made her mad so that is when she started calling my job and hanging up ( I have photo evidence of her calling my work phone ) then I went to a local high school football game with my husband and children and XXXX was there, and when she noticed me I was taking my child to the concession stand well she stepped out in the walkway and stared me down I just smiled and nodded my head and went around her ( I'm XXXX I'm not going to fight you because I told you to do your job the right way ) then on our way back through from the concession stand she was telling everyone she was with ( about 6 or 7 people ) about how I was a no good piece of XXXX and that I refused to pay ( which is a lie, I told her when I would pay she just refused to listen and was more interested in threatening me ) so I had to set at this football game with all these people giving me the death stare, I was afraid they were going to jump me. well I went to World Acceptance to make a complaint and XXXX XXXX told me that when I made a payment then she will look into what XXXX did. XXXX also told me that if I don't pay they will hunt me down and I will never get another job she said to me that hunting me down for {$600.00} is how she feeds her kids and she made me feel completely unsafe I live in a small town I feel like I need protection now. I also had to serve them a cease and desist order but they have ignored it and gotten more violent.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55447	Web
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX XXXX ~ XXXX XXXX XXXX XXXXXXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. * Provide me with written results of the investigation. * Remove or correct the inaccurate information from my credit report, if found to be inaccurate. * Notify me in writing of any changes made to my credit report as a result of this dispute. * Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. Sincerely, XXXX XXXX
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30039	Web
On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from World Finance Corporation. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. XXXX also including a copy of the police report that was filed for the identity theft.
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	TX 752XX	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 XXXX 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. WORLD FINANCE 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.
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38128	Web
XXXX, World Finance Corp , submitted to CFBP on XX/XX/XXXX. The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to World. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to World. World needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. World Finance Corp, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. WORLD FINANCE CORPORAT, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan WORLD FINANCE CORPORAT {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to World Finance Corp, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number XXXX XXXXXXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
10/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30168	Web
I have not received paperwork/a contract from this business who is attempting to collect an alleged debt from me. I sent a letter on XXXX XXXX, XXXX and requested a validation of an alleged debt in the amount of {$720.00} to World Acceptance Corporation to no avail. In the letter, I requested the agreement bearing my signature stating that I agreed to assume the debt, the agreement stating the amount of said debt along with any accrued interest, as well as complete payment history for the debt allegedly belonging to me. In addition, I also included in the letter the account number tied to this debt that shows on my credit reports. I find that the response that I received from World Acceptance Corporation is unacceptable, and I believe the response to be a stall tactic. Validation of a debt is forwarding copies of the actual proof of the alleged debt and account in my name with my approval or signed statement of contract with the service per FDCPA. The response that I received from the creditor, World Acceptance Corporation, for validation was considered " frivolous '' in their words. I am dismayed that my concern for my credit, as important as it is, is considered frivolous by this company. It is my right, by law, to have any debt reported on my credit validated. I have provided World Acceptance Corporation with the account number which they themselves reported to the credit bureaus, and they still seem unwilling and/or unable to to validate this debt that I allegedly owe. This collection is a stumbling block on XXXX XXXX to homeownership. Considering that this business does not have a contract with me for goods or services they allegedly provided nor have they provided adequate proof, I am pleading to have this item deleted off of all of my credit reports in fairness of my rights with the laws and regulations of the FCRA.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web
I am requesting that World Finance report new corrected information to update my credit file to XXXX for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/ and XX/XX/ and XXXX has listed someone named XXXX XXXX from World Finance Corp as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but XXXX is waiting for the updated information from World Finance Corp in order to remove the World Finance account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to XXXX. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to XXXX. There are XXXX active complaints in progress for XXXX XXXX with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT WORLD CONTACT XXXX AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through XXXX have been unresolved as XXXX is stating and I quote " World Finance is stating information on XXXX report is accurate '' XXXX XXXX listed as contact for World Finance Corp. XXXX XXXX and XXXX XXXX XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at Worl Acceptance Corp and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the XXXX credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. World Finance and XXXX have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. Desired settlement : Correction to a credit report ; Billing adjustment
12/12/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	WI 53511	Web
World Finance Corporation has been reporting inaccurate information since XX/XX/XXXX. All three credit bureaus has different delinquency dates. XXXX shows on record until XX/XX/XXXX. I made a payment in XX/XX/XXXX. Matter of fact, payment history has paid on time dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX shows the date of first delinquency XX/XX/XXXX. Also, it shows date of last payment XX/XX/XXXX, however ; XXXX report I made on time payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX shows estimated month and year that this item will be removed : XX/XX/XXXX. On XX/XX/XXXX I sent World Finance Corporation a letter telling them about the inaccuracies and they did not make any changes. On XX/XX/XXXX, they sent a letter and in the letter it said, '' We furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant your request to remove accurate data. '' They have reported my credit history incorrectly per documents and their reporting. The account was originally a ten month loan for {$770.00}. The payment was {$77.00} a month. World Finance Corporation report {$610.00}. That indicates I have made two payments, however ; they report that I made on time payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is XXXX payments which should show {$460.00} since World Finance Corporation sternly put all credit information fully and accurately after being told information was inaccurate. The interest that is added is in question due to the blatant inaccuracies and the refusal to amend inaccurate information after being told. I have disputed with the credit bureaus XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX about these inaccuracies with proof and it all came back verified as correct.
11/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73132	Web	Servicemember
XX/XX/XXXX, World Acceptance CorpXXXX reported to XXXX, XXXX & XXXX a charge off status to an account that was opened under my name. Oddly that a company would report an account charged off for XXXX after two months. In XXXX of XXXX my wife and I began looking into buying our first home. As a blended family we both had a few things to work on from previous marriages. This item was one which raised a question, to my recollection I hadnt opened account with this company. On XX/XX/XXXX, I went into their office asking for a copy of account they reported under my name. I was given a trade line printout and told they had a copy of my ID and signature. Since we had an established membership with XXXX XXXX I notified them and they told me they would send out a dispute on my behalf an to take it a step further I would need to have the dispute form notarized and returned to them with any documentation I had received from World Acceptance Corp. XX/XX/XXXX I went down to my banking institution and had the form notorized and put in the mail that same day. We had already began working with a real estate agent I asked them as well what their thoughts were and if this could effect the outcome of buying a home. They replied, most definitely am advised to dispute the item with the credit agencies as well as the company directly. I was informed by XXXX XXXX that I had to give the company some time to investigate the account before it could be updated or removed depending on what was found. XXXX on XX/XX/XXXX I challenged the item again to date it still remains on my file. After much time passed the real estate agent suggested filling out a police report and file a complaint with CFPB. XX/XX/XXXX, we went down and filed the report with the local police department.
04/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from World Finance in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. World Finance attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. World Finance reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued XXXX and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. XXXX or World Finance has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30045	Web
I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.
02/11/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX XXXXX	Web
This company is incorrectly reporting to the three credit agencies I failed to pay my note in XX/XX/XXXX. This is incorrect, and I've written to them three ( 3 ) times, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting them to resolve this issue. Their response was my complaint was frivolous. I had an account with them in since XX/XX/XXXX, in XX/XX/XXXX due to three XXXX and aftermath of that health issue including loss of income, I had to file Chapter XXXX bankruptcy in Federal Court of the XXXX District of Texas. As you know the bankruptcy laws changed thus all creditors were to receive and did receive what the Federal court and trustee equated to full repayment of account. This company was included in the bankruptcy. This company, as all of the creditors, received court documents of this filing with the scheduled repayment of the account. The federal trustee paid this account in full between the filing in XX/XX/XXXX and discharge of bankruptcy for completion in XX/XX/XXXX. They are reporting wrong information and when I request they resolve this issue, after recapping my situation, they refuse saying my complaint to them is " frivolous ''. They have no standing in reporting anything negative to three credit agencies, they were paid within the orders of a federal judge and they accepted the terms of the judge 's orders while collecting the funds sent to them by the federal trustee. Now they've reported a negative comment to the three credit reporting agencies, right after I was discharged, that will remain on my credit report for 7 years, yet they agreed to the court order and received the funds. This account was repaid in full and on time per court orders. This needs to be resolved by them removing the negative comment.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( XXXX XXXX ) of any sort. In regards to The company XXXX XXXX XXXX XXXX has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63119	Web
World Finance is reporting my acct twice i have the message to prove its inaccurate also on my XXXX they reporting twice, under world finance which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of Missouri ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by World. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department
08/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	XXXXX	Web
XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Asking for assistance : Reporting Corruption I XXXX XXXX XXXX started on date XXXX XX/XX/2016 to make a loan from Capital Loan. I paid fees upfront, my agent at Capital loan was XXXX XXXX. Everytime the money for the loan was supposed to be paid to me their computer system said I have to pay a deposit into the loan amount which will be paid back to me as credit. Then my application will be approved. The computer system accepts payments to be credited on top of the loan amount. They told me the system accepts and the only to progress is on the system on computer. By now I have paid +- XXXX XXXX to Capital loan. I then decided to cancel my loan. I had to pay a fee for canceling to get my money back. To get my money back I was told to pay fees numerous times now in total XXXX. I have a email what the lawyers of Capital loans send me called a irrevocable guarantee letter stating to credit my account at XXXX after payment. I did the payment but still they say I have to pay more. I have no more money I made a loan to pay this thinking I'm getting my money back. I am under debt review because of this incident and I don't know who can help me. I have alot of messages and emails and deposit slips for all transactions. I have no resources to get my money back. They always told me that this one payment will be the last. Please assist me. Please guide me in the right direction as I am under debt review and have no more funds. I currently work for XXXX XXXX work from XXXX to XXXX night shift XXXX XXXX and my cell nr is XXXX. Loan company details are as follows : Loan officer XXXX XXXX XXXX XXXX Kind Regards XXXX XXXX
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 294XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 306XX	Web
World acceptance corporation is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 710XX	Web	Servicemember
World Finance is reporting this account negatively on my XXXX and XXXX Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed 3 different times and they have only removed on of them so far. Two accounts remain. Under 15 U.S. Code 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of 15 USC 1681b. I will be seeking damages against XXXX in the amount of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681b violations for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
05/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29360	Web
I ha ve sentWorld Finance se veral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally. I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as XXXX , and that mistakes can be made. On XXXX XXXX , 2017 I pe rsonally went in the office myself and ask for my printout/records but of course they did n't have them so on XXXX -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP! If not i will sue. The original creditor can be held liable for reporting inaccurate informatio n ( XXXX vs. XXXX , XXXX vs. XXXX XXXX ), the FACTA le gislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.. They have also sold this account to XXXX XXXX so it showing on my credit report twice and really effecting me mentally and financially.
06/18/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	KY 40219	Web
XX/XX/XXXX went to XXXX XXXX in XXXX, Ky to get a {$2500.00} loan. They used my XXXX XXXX and personal property as collateral. Before arriving I told them I did not want any credit insurance. They told me there was none on the loan. I get there and they start going over the paper work and asked who I wanted as my beneficiary for credit life. Told them credit insurance was not supposed to be on the acct, they said it was only {$46.00} and had already did the paper work so I took it even thought I didn't want it so they didn't have to redo all the paper work. When I get home and my girlfriend looks over the paper work she noticed there was personal property insurance with a premium of {$280.00}. Since it was after XXXX XXXX Friday night I called today Monday XX/XX/XXXX and talked to XXXX and told her I didn't want any credit insurance at all and she said it was required on the loan. It is not required on the loan and she didn't disclose that it was included in my loan. She skipped over that part of the contract. She refused the cancel it. The terms of the note was not disclosed to me and credit life and personal property insurance was forced without my knowledge and I am being charged interest on insurance I didn't want and they knew I didn't want it. Went to get a {$2500.00} loan and ended up financing {$2900.00} without knowledge because she ( XXXX ) skipped over that part of the note. I called the insurance company to cancel the insurance and they referred me XXXX at XXXX XXXX home Office who said that she did not know the laws and I would have to contact the branch who had already forced insurance on my loan without my knowledge and refused to cancel it.
06/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31404	Web
I received a marketing letter from Colonial Finance and I decided to set an appointment to apply for a loan for {$1000.00} to pay off some citations and car repair from an accident. After applying they said I was approved but would have to pay back {$1800.00}, over {$800.00} in interest!! Highway robbery! Colonial Finance has HORRIBLE and unethical collection practices where multiple representatives used the reference list I had provided when I applied for the loan against me. Colonial Finance harassed me, my manager, my parents, family and friends TWICE DAILY on both cell phone and their work numbers leaving a message each time! Everyone was mad at me for giving Colonial Finance their number because they were harassing them and most are on the XXXX list but Colonial Finance said they did not care and continued to call. I decided to contact XXXX and enroll in a program where they would help me with paying off Colonial and stop the harassment calls. My counselor recommended sending a Cease and Desist letter to stop Colonial Finance 's harassment and so I sent them XXXX. ( see attached ) XXXX sent Colonial Finance payment but they would not negotiate a payment that would be affordable. I was hoping for {$50.00} a month but they do not accept partial payments so I had to do $ XXXX/month, so upon receipt of my payment Colonial responded by filing a lawsuit against me plus court cost. I called my XXXX XXXX for help and so she called this XXXX XXXX who filed the lawsuit to see if she could drop it because it was not necessary ( see attached XXXX and XXXX said there was nothing that they could do. Why not? It is unnecessary and they were getting their payment.
12/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 379XX	Web
I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29115	Web	Servicemember
I do not recognize having any agreement with WORLD FINANCE CORPORATION and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with WORLD FINANCE COPRORATION .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report XXXX Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
08/23/2022	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	FL 325XX	Web
XXXX XXXX XXXX & World Finance Corp has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. XXXX XXXX, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my abusive ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
01/22/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 31907	Web
This company used to constantly call me about the debt. However, they kept changing the balance, which they are still doing. Then, they called one of my family family members twice.. one time leaving a voicemail stating that they are about to sue me and wanted to know if I had a lawyer. During the phone call with my family member where they actually talked to my family family, the representative from World Finance told my family member ( cousin ) that they were about to sue me and needed me or my lawyer to call them as soon as possible. After this, I told the manager at the local office about this incident, who swore that no one in her office would have done this. However, it happened! My aunt was with my cousin when this happened and heard the phone call. I told World Finance that this violates the law and to not contact me about this or I will sue them for violating the Fair Debt Collection Practices Act. After this, I did not receive any more phone calls for months. Then all of a sudden, someone randomly called me on XX/XX/2021. So, this is the 2nd violation by this company, which I can easily sue for, which would outweigh the balance on this account anyway. They have also threatened to sue, which I will countersue at the same time for these violations and also the violations on my credit reports, which they are reporting different information with all credit bureaus and constantly change the balance by {$2.00}, {$3.00}, {$5.00}, {$11.00} up and down every two to three weeks no cause. I have all documents showing these random changes and all credit reports each month showing this information.
06/25/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30252	Web
I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 295XX	Web
World Finance and XXXX XXXX is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information. 15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports. 15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 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. 15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
10/02/2015	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30047	Web
World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 87121	Web	Older American
My XXXX and XXXX credit reports are having trouble correcting false information that World Finance has imputed to my credit reports. I never had 2 loans with 2 sets of identical data ( late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The story starts off with me disputing the Late payments on ONE ACCOUNT with World Finance that resulted from World purchasing loans from XXXX XXXX XXXX XXXX. The LATE PAYENTS were resolved and erased from my XXXX report. Unfortunately XXXX and XXXX are still showing the late payments AND AS TWO DIFFERENT LOANS but with identical late payment information. As you can imagine my credit scores on these credit reports are HAVING A DOUBLE EFFECT because of this error. I've send several CERTIFIED LETTERS WORLD FINANCE but to no avail. IN SUMMARY, WORLD FINANCE somehow can't understand the showing two loans ( one that I never had is a violation of the Fair Credit Reporting Act! I've called representatives there and they can not seem to UNDERSTAND that i never had 2 loans BESIDES THE ONE THAT WAS PURCHASED FROM XXXX XXXX XXXX LAST YEAR ( World Finance Loan Number XXXX ). Therefore, i have 2 sets of late payments for the same months ... .the other loan they are reporting is under the titles of PERSONAL CREDIT PLAN or WORLD FINANCE CORPORATION-LOAN XXXX XXXX ( WHICH I NEVER EVER HAD ) but you can tell from the report that reporting data and lates ARE the same even though they are listing two different account numbers. So i'm alerting the CFPB before i reach out to my attorney and costs me money. Sincerely, XXXX XXXX
12/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 383XX	Web
I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 710XX	Web	Servicemember
This account from World Finance is currently reporting negatively on my XXXX and XXXX Credit Reports. I reported this for Identity theft on XX/XX/2021. Under XXXX XXXX Code XXXX permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? NO I did not give them ANY PERMISSION Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. I will be seeking damages against XXXX and XXXX in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
WORLD FINANCE ALLEGEDLY STATES THAT THE FIDICUARY XXXX XXXX OWES THEM AN ASSUMED DEBT OBTAINED AT ONE OF THEIR BRANCHES. I HAVE NO KNOWLEDGE OF SUCH ACCOUNT. THEY CLAIM THAT THE CONTRACT BEARING XXXX XXXX SIGNATURE GIVES THEM CONSENT TO REPORT THE ALLEGE DEBT TO THIRD PARTY AGENCIES BUT THE CONTRACT RECEIEVED ; DOES NOT HAVE A SIGNATURE BEARING ON PAGE 4 OF 4 " AUTHORIZATION TO COMMUNICATE WITH THIRD PERSONS '' ALTHOUGH, INITIALS ( TWO LETTERS ) ARE PRESENT IT STILL DOES NOT REPRESENT THE FACT THAT THE ACCOUNT WAS MADE TO XXXX XXXX NOR WRITTEN PERMISSION OR PERMISSIBLE PURPOSE TO REPORT SUCH DEBT. THE CONTRACT DOES NOT CLEARLY STATES THAT THE DEBT WITHIN THE CONTRACT WOULD BE REPORTED UPON DEFAULT. WORLD FINANCE XXXX VIOLATES THE LAW ACCORDING TO 15 USC 1605 REGARDING A FINANCE CHARGE. THE LAW STATES THAT WHERE THERE IS A FINANCE CHARGE IT IS DETERMINED TO BE THE SUM OF ALL CHARGES INCLUDING INTEREST, FEES, PREMIUMS AND ALL OTHER CHARGES APPLICABLE. WORLD FINANCE CONTRACT REPRESENTS THAT THERE IS A FINANCE CHARGE. WORLD FINANCE CORP CONTRACT INDICATED PROOF OF PPREDATORY LENDING UPON USURY. WORLD FINANCE CORP CONTINUES TO REPORT ON A CHARGE OFF DEBT AND ATTEMPTS TO COLLECT ON A DEBT THAT IS CHARGED OFF. WORLD FINANCE CORP ASSUMES XXXX XXXX OWES THIS DEBT. WORLD FINANCE CORP IS VIOLATING MY RIGHTS THAT CONGRESS HAS SET FOR CONSUMERS OPERATING IN COMMERCE. WORLD FINANCE CORP HAS DEFAMED MY CHARACTER AND DESTROYED MY CONSUMER CREDIT REPORT. WORLD FINANCE CORP HAS DESTROYED MY CONFIDENCE IN THE ECONOMICAL MARKET.
11/05/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77498	Web
I don't know you and never heard of you until it appeared on my credit report.Be advised that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Thank you
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL XXXXX	Web
This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30076	Web
I submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. XXXX I received a copy of my credit report from three credit bureausXXXX XXXX and XXXX . On the XXXX credit report, I again see the fraudulent World Acceptance Corporation account. At this point, my rights have been violated. According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both World Acceptance Corporation and XXXX failed to adhere. According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both XXXX and World Acceptance Corporation have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, World Acceptance Corporation violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web
There were two accounts that appeared on my XXXX credit report from World Finance Co. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to World Finance Co. to validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. I mailed a certified letter to XXXX on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from XXXX dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my XXXX credit file confirmation # XXXX.
05/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	KY 400XX	Web
I got a loan with World Finance Corporation, XXXX XXXX , XXXX , KY XXXX , XXXX last Fall ( XXXX ). I am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of XXXX XXXX ( debt relief ). I have already settled XXXX accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the XXXX office this morning at XXXX XXXX . & told them that XXXX is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled XXXX accounts. I just wa nt World Finance Corp., XXXX to STOP calling everyone I know.
07/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
World Finance Corporation has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to World Finance Corporation and they did not provide me proof, bearing my signature instead they sent a letter from a different address, World Finance Corporation, asking me for information that they did not have or know. Also I sent the second letter to World Finance Corporation they sign and received it on XX/XX/2022 and ask for the second to third time that I request World Finance Corporation and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how World Finance Corporation falsify information or do not have accurate information because this account was open as identity theft and reporting a serious error on my credit report under my social security number or took information from my disputes and refurbished as new. Also in my high lighted copies of proof you see were World Finance Corporation has try to say they have requested information but never respond to my request.
10/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
XXXX XXXX XXXX sold a debt ( I DID NOT OWE ) to World Finance Corporation. I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. When I contacted XXXX XXXX about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. After additional research I was able to identify that XXXX XXXX was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to XXXX XXXX who advised me they are not reporting information regarding this debt on my credit report. I would like to reiterate, I was never contacted by mail or phone by XXXX XXXX XXXX or World Finance Corporation regarding this debt. XXXX XXXX inadvertently sold a debt to World Finance that I DID NOT OWE... Any loan in my name during those dates are fraudulent. I have attempted to resolve this with World Finance and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
08/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60506	Web
On XX/XX/XXXX I went into the facility to pay off an existing loan I had with World Finance Corporation. An employee there, asked me to follow her to her desk, she asked how she could help me and I told her that I was looking to pay off my existing loan. She started entering stuff on her computer and she proceeded to tell me about her kid and her boyfriend and her personal life. She asked me to sign a document in order to print my pay off form. I asked her many times, what the document was and she only stated that I needed to sign for her to print my payoff balance sheet. Then she stated her computer was down and she was unable to print the receipt to show my loan was clear. I thought this was weird. In XXXX I went to apply for a mortgage loan and it was brought to my attention that I owed a loan and that I was past due since XX/XX/XXXX - I was shocked because I had no clue what this was. This unfortunately, impacted me. I have called the company and they have a signed document, when I asked to see the copy of the check the gave me with the so called new loan, they stated that they gave me the " Funds '' in cash, the signature is somewhat different to mine and so it happens to be that when the lady that help me when I went in to pay off my loan quit working for them, so did the payments on the " new loan '' I am trying to get to the bottom of this. I had to pay this loan in order to obtain a mortgage loan. But I am seeking for this issue to be further investigated.
10/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL 62040	Web
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX XXXXXXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX WFC- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
01/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NM 880XX	Web	Servicemember
The company ( XXXX XXXX has called me excessively after one missed payment for an entire week. I have either answered when they called or called back immediately. Therefore, no lapse in contact has been made. Unfortunately, the agent and manager at the office have began calling my references, as if they have not made contact with me. I explained to the manager XXXX that she was in violation of the regulations set in place. She accused me of yelling while on speaker phone, to which I explained I wasnt yelling and my being on speaker phone was entirely at her discretion as manager. She proceeded to hang up on me and when I called her back to reiterate the fact that they should not be calling my references due to our continual contact she refused to acknowledge the phone calls were being made and bid me good day. The amount due is less than {$500.00} and the due date is the XXXX of every month. I believe the agreement was 10 payments of {$96.00} which Ive complete approximately 4 before the due date. Dates of contact : XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( missed call ) XX/XX/2019@ XXXX mountain time ( received text from sister that she had been contacted by XXXX XXXX ) XX/XX/2019 @ XXXX mountain time ( hung up on by manager XXXX ) XX/XX/2019 @ XXXX mountain time ( I called back to reiterate the violations ) **** times reflected on call log are pacific time
09/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web
I noticed today ( XX/XX/2020 ) that WORLD FINANCE CO # XXXX has reported a Charge Off ( Account Number XXXX XXXX ), on my credit report with a Date Reported of XX/XX/2020. I have been enrolled in informed delivery with USPS for over a year now and have not tracked any correspondence from world Finance. If they claim the sent any correspondence, please PROVE this with a tracking number that I received such. Please note : A letter with a date is not proof as this can be generated at any given time. I have NOT received ANY communication from World Finance about this debt. World Finance is in violation of the Fair Credit Reporting Act ( herein described as " FCRA '' ), section 623 7 ( A ) ( i ). Furthermore, FCRA Section 7 ( B ) ( i ) states that ; 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. I demand for this trade-line ( Account Number XXXX XXXX ) to be remove immediately from any and all credit reporting agencies that they are reporting to, and do NOT reinsert this trade-line. I will also be filing a complaint with the FTC and Georgia 's Attorney General office. I will not hesitate to bring legal action against WORLD FINANCE for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Yours truly, XXXX XXXX
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy. Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. Per the SEC filings submitted by World Finance/ World Corporation they agreed to these duties. Under the Emergency Bank Act of 1933 there is no legal tender since there is no gold in circulation. The only legal/lawful tender are the US postal stamp per the XXXX XXXX. To demand a particular form of payment from is a violation of my federally protected rights since the XXXX pledged to be responsible for XXXX XXXX XXXX XXXX XXXX reported this account late multiple times 30 days late. This is a factual accounting as it is on their report furnished. As it is known one can not be 30 days late for multiple months in a row. This means XXXX knowingly furnished deceptive reports.
09/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78602	Web
I applied and received the pay day loan last year around the end-middle of XXXX. I made payments and stayed in contact with my loan officer through it all. My previous loan officer left the company leaving me with someone new. This person does not call, she texts me. She texts me all day asking for a payment, I asked if there was anything I could do to get a pause or anything because of a sudden unemployment in the family that was a loss of {$30000.00} a year and extreme medical problems. I was in debt and bills kept on piling on me. I had a XXXX, was working 2 full time jobs and going to school to provide for my family & taking care of my sister and her child because of a dangerous situation that they were in. I didn't feel like my loan officer needed to know all of this, it was never any of their business but I felt like I had to provide proof that I XXXX a XXXX for them to believe that I wasn't just trying to get out of the loan .... My loan officer texted me today, and threatened to take my fianc and I to court. She also discusses my finances loan with me when I have no authorization to be told any of the information, other than being a reference number to call when he doesn't answer. These people are inhumane... I know they have a job but I know that there is a way to also help your customers instead of being insensitive. This loan officer also blamed her supervisor saying they are " on her back '' about my payments.
10/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Web
I am writing to file a formal complaint against World Acceptance Corporation, located at XXXX XXXX XXXX, XXXX, SC XXXX, for their failure to properly investigate a direct dispute I submitted regarding my credit report, as required by 1022.43 of the regulations set forth by the CFPB. Account Information : Account Number : XXXX ( I do not have access to the non-redacted account number ) Last four digits of Social Security Number : XXXX Nature of the Complaint : I submitted a direct dispute to World Acceptance Corporation on XX/XX/2023 and XX/XX/2023 to request Validation of the alleged debt and to correct specific inaccuracies on my credit report. Despite providing all the necessary information and documentation as outlined in 1022.43 ( d ), my dispute was deemed " frivolous or irrelevant '' without adequate justification. Supporting Documentation : I have attached copies of the following documents to substantiate my complaint : 1. ) The original dispute letter sent to World Acceptance Corporation 2. ) Their response letter deeming my dispute as " frivolous or irrelevant '' I would like the CFPB to investigate this matter and take appropriate action against World Acceptance Corporation for their failure to comply with the regulations. I also request that I be informed of the actions taken in response to this complaint. Thank you for your attention to this serious matter. I look forward to your prompt response.
10/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36695	Web	Servicemember
I have two accounts listed on my credit file that I do not have any knowledge of. On XX/XX/2019, I mailed a letter to the creditor listed on my credit report requesting verifiable proof that the accounts are mine. I have waited over five months for a response or a deletion from my credit report and neither have happened. This dispute is well over the 30 days and should be deleted from all three credit bureaus. I sent the debt validation letter by certified mail. I have uploaded a copy of the certified mail receipt and proof that World Finance have received it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), World Fiance are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account WORLD FINANCE CORPORAT XXXX No contract, contract canceled. Unverified Account. I am requesting for a deletion from my credit reports.
03/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 294XX	Web
I was and am i victim of cyber attacks cyber crime and identity theft. It has stemmed XXXX and has bled to other reporting agencies. I am the victim in this yet i am treated by some like the account originator. Yet i am not. World finance has been notified and asked via disputes/SINCE XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX and i have talked with them over and OVER. Yet i am being told that they have factual information. No they don't. One they has lost the original documents, I was told by a local world finance store. Two they refuse to give me ANY information about the LOAN other than they want me to pay for itsettlement. They charge it off and off changing the price up and down to adjust activity to lower my credit. The Bureaus always allow them. Ridiculousness and criminalistic in nature and it directly violates the FCRA and my rights. I have done all that has been asked of me FROM all parties. My entire identity and life was stolen from Drivers license, birth certificate, social security card. All from cyber attacks cyber crime and identity theft. Had financial take overs in multiple accounts. And not just in the first settlement with XXXX but the 2nd NOW. I am attatching to very first and ONLY thing i have received from the company. And i refused to settle for anything because it is not mine. Remove surpress and delete. This is what ive asked. I desperately need help.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 71901	Web	Servicemember
This company has made an account falsely. I did not open this account. They are a company known for deceptive practices. Feel free to XXXX any class action law suits against them. I have had several accounts through them in the past but this is not one of them. They have moved the account from " World Finance Corporation '' to " Personal Credit Plan '' and hurt my credit further as it still shows 2 separate charge offs. This is impacting my ability to purchase a home. Both accounts show as a charge off with a write-off. They wrote off this account and it also shows them charging a higher account balance since the original date. An account written off on taxes to a XXXX balance can gain no interest. They also stated that I made a payment on or around XXXX of 2015 which is false. They are showing other recent and missed payments on this account. I need a copy of the original contract with my signature, the transfer documents and the reasoning behind transferring it to your other company. All information submitted in regards to writing this off on taxes as a profit loss. As well as proof of all payments that it is showing that I made and from what bank account number. If you don't have the bank account number I will suffice with the info from bank card it was made from with a picture of this card to confirm the identity. What have you done is clear violation of the FCRA.
09/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 618XX	Web
I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 36701	Web
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77520	Web
This is a formal complaint against World Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, World Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
08/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 75134	Web	Servicemember
Beware of World Finance Corporation XXXX, Texas : Last week, I visited this establishment and did not obtain an account with this company. From the beginning, as I walked into this store it was unpleasant. We waited for quite some time to speak with someone. There was a manager just sitting at an empty desk not helping any of the customers that were patiently waiting. Finally, I was called up to the desk, by the branch service representative by the name of XXXX XXXX that asked what was the reason for my visit. I explained to her that I wanted to apply for a loan in the amount of {$200.00}. She proceeded to fill out the application for me by asking me the questions that were on the application. Then afterwards she started running my credit report without informing me. So I asked her what she was doing and she said that she was running my credit report. I asked her why did n't she inform me of that and she stated that it was an implied action that your credit is run when you go to a company to apply for a loan. She stated that I was not approved for the loan. She wanted to hand me some documents that showed what she did and I did not accept anything from her. I am a homeowner and I do not appreciate someone running my credit report without informing me. I felt totally violated. The action that I am taking is submitting this complaint to the CFPB.
09/22/2015	Yes	Payday loan	Can't contact lender	NM 870XX	Web	Older American
XXXX from World Finance ( XXXX - XXXX ) shared my private information and conversation that I had with her with XXXX at XXXX XXXX ( XXXX ). I have payday loan accounts at both places. I had told XXXX that the next month or two were going to be rough but that things would smooth out eventually ; and that I would be late on my payments. I told XXXX that my Nephew gave me a XXXX dollars to pay on my loan but that he could not afford to pay the late fee. XXXX then sent over a person to my home to harass me for the {$15.00} dollar late payment. And they called me often. During the next day or so XXXX from XXXX XXXX here in XXXX NM called me ( though I was not late on that payment ) mentioned World Finance and harassed me & gt ; telling me that they did not set up a loan with my Nephew but with myself. XXXX from XXXX XXXX could not have known any what she mentioned to me with out having had a conversation with XXXX at World finance. It is true that I am having a difficult time right now making my payments. I am an older widow ( XXXX years old ) and XXXX on a fixed income. There is also no way to negotiate with these payday lone companies. I have offered to make smaller payments to catch up ; which they have refused. And that is obvious considering the fact that XXXX from World Finance sent a person to my home to collect the {$15.00} late fee.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
I AM XXXX XXXX and this is not an unauthorized third party!! XXXX furnished false and misleading collection accounts on my consumer report. I first noticed them on XX/XX/2021, I immediately called the collection account companies to dispute the accounts by asking why they were reporting to my consumer report. The agent from the collection company gave me the name of owner of the account with the last 4 digits of the social security number. The account belonged to my father XXXX XXXX XXXX who has been deceased for 2 years. I gave them my social security number and they said that they never reported any information to XXXX and i needed to dispute the account with them. I disputed the account with XXXX and they deleted the fraud account immediately because they had irresponsibly placed it there at my expense! I am a federally protected consumer and I have been violated pursuant 15 United States Code 1681e ( b ) and 15 United States Code 1681b ( 2 ). According to 15 United States Code 1681n civilly liable for damages to the consumer. Because of this false and misleading reporting, I sustained injury by being turned down for credit approvals and I paid higher interest rates on all consumer credit transaction post collections reporting by consumer reporting agency. I will begin litigation if i'm not compensated for my injuries.
05/06/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 306XX	Web
I Response to The dispute I Sent out XX/XX/2022. World Finance Hasnt Showed Proof that The Alleged Accounts/Transactions Dont Qualify! Which is False. They still havent shown anything that I Gave them Permission To Report My Nonpublic Information To an non-Affiliated Third Party. Thats identity Theft! Do they know how the FCRA Works and who it protects Im an Natural Person Im an consumer! Your company is in Violation of 15 USC 1692f and its Subsections. Who are they to tell me their going to keep reporting Fraudulent information accounts will continue to be furnished to the credit reporting agencies ( Agencies ) for a total of seven years from the date of first delinquency per our obligation under the Fair Credit Reporting Act ( FCRA ) If its and obligation then why are you reporting False and Inaccurate information which I dont consent nor give permissible Purpose. Saying that I Allegedly owe is Very deceptive per 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. I still havent been shown any Proof
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX taken my score down nearly 70 points and now 8 months later on my XXXX it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX XXXX the original creditor and then now world finance who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
11/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 646XX	Web	Older American
XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You
03/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30076	Web
I have been harassed by and on behalf on World Acceptance Corporation every 2-3 years for nearly 6 years. The account associated with World Acceptance Corporation was a result of Identity Theft and I have tried to resolve this matter on several occasions since XXXX. In XXXX, I sent World Acceptance Corporation a copy of the police report and Identity Theft Affidavit as a resolution. No actions were taken by World Acceptance Corporation, neither did I ever receive an acknowledgment of their acceptance of my correspondence. On XX/XX/XXXX, I escalated this issue and I filed a complaint with the Consumer Financial Protection Bureau against World Acceptance Corporation. At that time, the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verified that the account was indeed fraud and that it would be removed from my credit report in 30 days. On XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. On XX/XX/XXXX, I received yet another phone call from a debt collection agency, XXXX, attempting to collect a debt on behalf of World Acceptance Corporation. Per the Fair Debt Collection Practice Act, the harassment Ive continuously received is in violation and I am seeking financial compensation.
03/30/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70461	Web
Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.
10/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75224	Web
I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.
06/22/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN XXXXX	Web
I want to change my due date without renewing my loan and starting over. This company refuses to change the due date and they are charging me a late fee every month. Their refusal to change the due date makes me think it is to force someone to renew and or charge late fees illegally to the customer. I have asked every month for the past 4-6 months and they blatantly say they can not change it unless I renew which defeats the purpose of trying to pay a loan off. Every month they harrass me about paying I have asked and begged them to change the due date they constantly refuse. They send me massive amounts of mail about payment but will not change the due date. I also contact corporate office to complain about their local branch they never contacted me back. Please help me in this matter. I am so frustrated with this company I just want to pay my bill each month on time and at the end of the month. So I can never have to deal with them again. They constantly harass me every month asking me when I will pay I advised them each time to please change the due date. They refuse to change the due date unless i renew I refuse to continue to do business with them. I just want to pay each to get to my pay off. PLEASE HELP ME GET THEM TO STOP HARRASSING ME AND CHANGE MY DUE DATE
06/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
This complaint regards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX I have several old/closed accounts with " XXXX XXXX XXXX '' on my XXXX credit report. One of the accounts was shown as derogatory since XX/XX/XXXX ; but the remaining three accounts had always been showing in good standing, but now those remaining accounts are showing " derogatory '' as well. These accounts are now being reported as being included in a " Chapter XXXX wage earner plan ''. This is false/incorrect reporting.These accounts have NEVER been derogatory and I need XXXX XXXX XXXX to correct this issue immediately. I spoke with a XXXX representative and I was told that they report whatever a creditor reports to them. I called XXXX XXXX and my call was forwarded to a customer care representative who looked at the accounts in question, but was not able to do anything, as the credit reporting department was not available. A copy of my XXXX report showing the accounts is attached. One copy ( XX/XX/XXXX ) shows the accounts paid in good standing, and one copy ( XX/XX/XXXX ) shows the accounts in a derogatory status. I did not dispute these accounts, so no change should have occurred on my XXXX credit report ; XXXX XXXX should not have reported this information to XXXX.
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30043	Web
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX XXXX, which consisted of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. *Paid in Full Letters Provided* 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. *Paid in Letters Provided* 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. *Paid in Letters Provided*
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38401	Web	Servicemember
I took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30310	Web
I filed a complaint with the better business bureau. The company has reported that I am am delinquent on a loan that they have admittedly blocked me from paying. They have lied about me making partial payments as well as my ability to pay online. For some reason at the height of the Covid-19 crisis the company blocked me from paying any amount online they indicated that I need to come in to the office to make a payment. I am being harassed by the company. In addition the company is a loan sharking company that prey 's upon the poor and disadvantaged. I was presented with a loan application that included all types of unnecessary insurances and and XXXX insurance etc. The staff is forceful and rude when inquiring about the additional charges. As a result of being able to read, and being educated I was able to tel them to remove the excess charges from my loan. However as a XXXX XXXX that works with at-risk populations. This company should be investigated for loan sharking and taking advantaged of low income people who have little or no options. Its really sad people like this exist. I can defend myself but what about the old person on a fixed income or the single parent or the XXXX veteran. These people make a living scavenging on the poor.
01/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30134	Web
I have a loan with World Finance, located in XXXX, Ga, I stop making the pymts due to a issue that came up and I thought my only option was to file a XXXX XXXX, consulted XXXX and XXXX and was actually working with them to file this XXXX XXXX and one of the things you have to do is take a online line class that discusses budget, making arrangements and possibly settling account with creditor, so after my last conversation with XXXX and XXXX I advised them that I would like to speak with my creditor to see if I can work anything out with them, I spoke to all my creditors and have work out payment plans, I contracted World Finance on XX/XX/22, spoke to the branch manager XXXX XXXX XXXX and advised her that I am in a position to pay them and I would like to resume making my payments on XX/XX/22, she stated she couldn't do that since I had renewed my loan with her company and no payments had been made since the renewal, advised her ok and I guess I will see her in court, prior to me not being able to pay I paid this loan on time and was never 30 days past due, I would like to be given the opportunity to pay this loan All call made in my office are recorded because i work for a finance company and XXXX XXXX is aware of this, please advise
07/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30046	Web
I have some conerns in which I was able to obtain a loan in XX/XX/XXXX. without the use of the agency coping my social security card at that time of approval. Currently they called to allow me an increase in which they told me to bring in my social security card due to my issues of identity theft. I brought in all of my documents today as I did in XX/XX/XXXX when first approved. I had FRAUD VICTIM on my credit report they pulled in XX/XX/XXXX as the same one the credit report they pulled on XX/XX/XXXX however this time they would not give me the loan increase because I would not allow them to make a copy of my social security card. I informed them that due to the ongoing issues I had in the past I have a right to not allow you to copy my card however I am showing you my card. You have my proof of income with the last 4 of my social security on it and you have my drivers license with me in front of you. You see my social security card so for you to deny me this loan because I refuse to let you copy my card is not right. Under 31 CFR 1.32 I should not be denied if I choose not to allow someone to copy my social security card. They have many other forms of proof I am who I am even when I loaned in XX/XX/XXXX with my current loan still open
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 75227	Web
XXXX is allowing World finance to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only World Finance but XXXX and XXXX as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT
09/24/2022	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	AZ 85122	Web
This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to XXXX and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXXNEVER SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!
02/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30021	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75071	Web
WORLD FINANCE has been previously notified to verify my account to be accurate and complete. 1. ) I have noticed that WORLD FINANCE has been violating my rights by reporting inaccurate and incomplete information on my credit report. WORLD FINANCE is reporting different information to three different credit agencies for the same account. 2. ) World Finance is still trying to collect this debt even though it was charged-off. they are still reporting a balance. Also, when I spoke to a woman named XXXX in the office today ( XX/XX/2022 ) and she told me I should pay off this " debt ''. World Finance, by charging this debt off has forfeited its right to collect. 3. ) World Finance has been reporting late payments for along time ( years ) after charging off this debt which is another FCRA violation. WORLD FINANCE has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that WORLD FINANCE has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
02/17/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 362XX	Web
On XX/XX/XXXX I sent a cease and desist letter to World Finance in XXXX, AL pursuant to my rights under the Fair Debt Collection Practices Act. The cease and desist requested that communication with me, as well as my family and friends cease in relation to any debts that the company alleged that I owe. Prior to sending the cease and desist I was contacted at my place of employment multiple times, in which I advised that I can not accept personal calls during working hours. The calls continued. On XX/XX/XXXX another family member was called. I then called World Finance in XXXX, AL advising them of the cease and desist that was sent - I also asked that they cease communication with me again. XXXX of World Finance again called me at XXXX XXXX on XX/XX/XXXX via cell phone, and XXXX XXXX on XX/XX/XXXX at my place of employment. I am well aware of the remedy and legal action that can be taken against debt collectors for the violation of consumers right, in this case my rights have been violated numerous times by the harassing behavior of this company. It has caused stress and turmoil to me at work, as well as stress to my family members for repeatedly being called after they asked not to be contacted anymore.
02/23/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web
On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.
06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OK 74008	Web
I contacted XXXX on XX/XX/2020 as old judgements, more than 5 years old and also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. Contacted World Acceptance on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my Transunion report however not XXXX or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.
01/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30296	Web	Servicemember
Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called World Finance Corp . They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. XXXX, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
11/03/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	GA 30318	Web
World finance co of XXXX ga various of location .start with XXXX XXXX XXXX XXXX ga, XXXX hope this is the right address and company .that a be with cfpb the company is lending out my money with out my say so. XXXX XXXX and XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX not has power of attorney over me no more .the company is mine out of the trust contract now. I am ask and give y'all a notice. That. I am the employer tax payer now .and all record and bank account be turn over too me. I have pin codes .no tax return can be filed .it will be fraud and jail ..so let get this did with out going threw all of that thanks. Get the company agent too research the tittle on the company .and this is a headquarters address on file sense XXXX .check the tittle of this address sense XXXX. A IRS tittle exam and tittle exam. This is a business estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, is deceased .sense XXXX .I am name as beneficiary too all his businesses. XXXX XXXX XXXX is fail too comply with the contract .abuse and abandoned the instructions of this contract. It why I am file the complaint. This a owner or world finance .I am owner .of this said business.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22204	Web
The credit bureau never did a proper investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
06/13/2021	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	KY 40511	Web
World Finance Corporation ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and World Finance continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. World Finance has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with XXXX and it is still being reported by XXXX and has caused my credit rating to increase then decrease each time World Finance updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that World Finance is continuing to make entries on my credit report maliciously. I also feel that XXXX has not researched the debt correctly and has continuously allowed World Finance to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.
11/02/2021	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 Their investigation did not fix an error on your report	MS 39157	Web
XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated attempt through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
03/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 290XX	Web
XX/XX/2021, {$400.00}, {$620.00}, {$800.00}, {$920.00} I HAVE BEEN CONSTANTLY ASKING WORLD FINANCE CORPORATION NUMEROUSLY TIMES TO REMOVE THE FOLLOWING CHARGED OFF ACCOUNT FROM MY CONSUMER REPORT ; THEY WILLFULLY NEGLECT THE AUTHORITY TO DO SO. VIOLATING THE LAW PURSUANT TO 15 USC 1681a 2 ( A ) ( i ) & REPORTING TRANSACTIONS AND EXPERIENCE BETWEEN ME AND CREDITOR WHEN SUCH TRANSACTION DOES NOT INCLUDE ACCORDING TO ANY- section 1681s-3 - ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; WORLD FINANCE CORP IS IN VIOLATION OF NUMEROUS FEDERAL STATUES BY REPORTING A CHARGE OFF ACCOUNT ON A DEBT THAT HAS ALREADY BEEN PAID, WORLD FINANCE CORP IS DEALING IN MONOPLIES WITH SECURITIES, WORLD FINANCE CORP IS COLLECTING TRYING TO COLLECT ON A DEBT REPORTING DIFFERENT AMOUNTS TO EACH CONSUMER CREDIT BURUEA, WORLD FINANCE HAS CAUSED ME MENTAL AGUISH, ECONOMIC DAMAGE, NON-ECONOMICAL DAMAGES, EMOTIONAL DISTRESS, AND DEFAMATION OF CHARACTER BY REPORTING INACCURATE INFORMATION IMPAIRING THE FINANCIAL INDUSTRY. EACH MONTH THE VALUE CONTINUES TO RISE ON THIS CHARGE OFF ACCOUNT.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38128	Web
World Finance Corp. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft World Finance Corp, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & XXXX- Please remove asap. WORLD FINANCE COXXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name WORLD FINANCE CORPORAT IDENTITY THEFT / FRAUD ACCOUNT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ 316 Monthly payment- Past due amount {$490.00} Account name WORLD FINANCE Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
01/25/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48187	Web
I recently received a copy of my credit report and noticed an unrecognized account from World Finance. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. World Finance has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that World Finance knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!
09/05/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77449	Web
ON OR ABOUT THE DATE OF XXXX XXXX XXXX XXXX WHO REPRESENTS WORLD FINANCE CONTACTED MY EMPLOYER AND RELATIVE AND DISCLOSED MY PERSONAL INFORMATION WITH BOTH PARTIES STATING SHE WAS CALLING FROM WORLD FINANCE AND I HAD A PERSONAL LOAN WITH THEM AND SHE NEEDS TO SPEAK WITH ME. WHEN THE LINE WAS TRANSFERRED TO MY DESK I STATED, 'THIS IS XXXX XXXX XXXX XXXX THEN STATED, 'OH THAT MUST BE YOUR OTHER NAME '' I THEN HELD THE PHONE BECAUSE I CAN NOT TAKE PERSONAL CALLS AT WORK AND COULDNT TALK BECAUSE MY COWORKERS DESK IS LESS THAN TWO FEET AWAY FROM MINE. AND SHE THEN PROCEEDED TO SAY " HELLO, HELLO, OH DONT WORRY I'LL KEEP CALLING ''. I THEN HUNG UP THE PHONE AND LATER CALLED XXXX XXXX AND STATED HOW UNPROFESSIONAL SHE HANDLED THE SITUATION AND WHY DID SHE DISCLOSE NOT ONLY TO MY SISTER BUT MY EMPLOYER MY PERSONAL BUSINESS AND HER RESPONSE WAS " WELL SHE ASKED ". SHE DIDNT KNOW MY SISTER WAS ON BREAK WITH ME AND MY SISTER STATED EXACTLY WHAT SHE TOLD HER WHEN SHE CALLED AND XXXX THEN WENT SILENT ON THE CALL. I THEN FILED A COMPLAINT WITH THE CORPORATE OFFICE AND THEY STATED THEY WOULD GIVE ME CALL BUT I HAVE YET TO HEAR ANYTHING FROM THEM.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44306	Web
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( 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. I can go on and on The credit bureaus have no respect for the laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone needs to hold them accountable for this
01/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 310XX	Web	Servicemember
XXXX, the rep who continuously calls and leaves multiple messages a day on my cell, work, and references phones is completely harassing me. Ive mentioned to him before Im unable to communicate during working hours and that I am also attempting to readjust due to other financial issues from mid last year. Personal information about my business with this company was given out to one of my references discussing my loan information that I did not advise was ok between representatives with this company which is a direct violation of my rights and as I understand it, gives me legal rights to pursue legal litigation due to this violation concerning disclosing my private information of the contract between this company and I. Due to the extraordinarily frequent contact, I have been professionally reprimanded on several occasions for the constant calling and messages. Furthermore, several friends and family members have advised they have asked for them to cease contacting them but theyve refused to do so. I also asked him on our last conversation not to call my employer due to this but yet he continues to call my extension almost daily.
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35758	Web
I have submitted numerous disputes with XXXX regarding inaccurate information being from World Acceptance Finance. The inaccuracies regards XXXX closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's XXXX reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with XXXX to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. XXXX needs to correct this issue or delete the accounts. World Acceptance also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did World Acceptance reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!
09/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30281	Web
I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.
09/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29316	Web
I took out a loan with World Finance Corporation in XXXX, SC this past summer. The first payment was less than 30 days late. They never once tried to contact me through my personal number, but instead began to call my office numerous times a day over a course of a week. I had XXXX during the second billing period, so I was unable to go into the office to pay the bill. I was told to slide the money under their door. I payed a {$240.00} payment that day. They continued to call stating I never made the payment. Eventually, after speaking with corporate, they honored the payment. Just recently, I forgot to make my payment online that was due XXXX XXXX. Today, they called a family member of mine that was listed as a reference. I never received a phone call from them to my personal phone. Instead, they called a family member. They are using bullying and harassment tactics. I have always paid my amount due, and actually paid more than the minimum payment. They do not have permission to call my place of work or family members to bully me when I am less than 30 days late. This kind of practice should be illegal.
06/15/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC XXXXX	Web
World Finance s old an false account to XXXX XXXX XXXX XXXX . After to speaking with XXXX ( XXXX XXXX ) on XXXX / XXXX / XXXX at XXXX she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance in XXXX SC that location which I open the account and spoke with XXXX on XXXX / XXXX / XXXX at XXXX , she told me that account was renewed/paid out on XXXX / XXXX / XXXX then I reopen anothe r one t he same day. So why di d World Finance s ell this account to XXXX XXXX which they are reporting to credit bureaus as well? World Finance will not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to XXXX XXXX to all credit bureaus. I had to pay off/renew this account which they sold to XXXX XXXX before they would even give me another account!!!! World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f or defamation and financial injury!!!
04/22/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71106	Web
This company call World Finance Corp. have sent ( 4 ) account to the 3 credit bureau which they told me that they was going to do. I explain to them that they was not mine. The first one is Acct : XXXX Date Open : XXXX Amount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$0.00} Acct : XXXX Date Open:XX/XX/XXXXI told them they was not mines and to removed them from my credit report.They told me that when the credit bureau contract them they was going to tell them they was mine and they did just what they said.I know they can only go by what the company say.How could they be so wrong and do thing to people just to collect money. Always call your house and threatening you by tell you your credit will be ruin if you don '' t pay this off.I don '' t understand how they can do this and get off .They call me all the time tell me to pay up are they going to seen a letter to my SSA and collect the money from them. I live on a month-to-month basic. All I ask is please help me get this stop all the threatening is upsetting me.
05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35010	Web
Hi. This dispute is in response to XXXX XXXX XXXX I have a fraudulent account on my credit report that's reporting, and the 3 bureaus wont remove it. I have disputed this account over 5 times with each bureau. The account was opened in XX/XX/2018 around the same time I lost my wallet. I have contacted the creditor also. And they won't delete it. Why am I being punished for a charge off account that I never had? I even sent a police report to the 3 bureaus letting them know I lost my wallet and had a fraudulent account on my credit report. I am suffering during these times because of that unknown charge off account. It's hurting my ability to purchase a home. I have never defaulted on anything. I have perfect payment history. No collections. Why would I default on a XXXX dollar loan? This just doesn't make sense to me. I refuse to pay for something that isn't mine. I need this removed. XXXX World Finance Co # XXXX. XXXX # XXXX. DATE XX/XX/18. BAL {$310.00} XXXX WFC. Acc # XXXX DATE XX/XX/18. BAL {$310.00} XXXX World Finance Co. Acc # XXXX DATE XX/XX/18. BAL {$310.00}
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46360	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WORLD FINANCE CORPORAT XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
08/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83647	Web
In mid XXXX I went in and applied for a loan on behalf to help my brother saved his home from the state of NC, due to being in a hit and run 6 months before, a XXXX for 10 days. As I saw him in XXXX and could tell he had recovered an awful lot.I received XXXX in a loan and was not enough to help him so went back with XXXX dollars, was told to come back on the first of XXXX. Had XXXX dollars on the first, which was half way paid for. A clue of weeks later, got a card about refinancing. Needed groceries, was sick and under a lot of stress at the time, but did not realize that they had started back with the XXXX amount till I had signed the papers. Went home found receipt and realized that the XXXX dollars I had paid was no where on them. Have attempted trying to find out why, and the lady upset me so I called there headquarters in S C, got disconnected and felt that I as being XXXX and only one income had been ripped off. So I called the XXXX XXXX XXXX and they gave me your number so I felt that I needed to make a complaint. As I am too old for for kind of abuse.
05/01/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29485	Web
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to World Finance. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
05/01/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29485	Web
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to XXXX XXXX. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
10/11/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
This account was opened in XX/XX/2014, it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again. They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
10/11/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
This account was opened in XX/XX/ XXXX it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again. They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
03/27/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36869	Web
I have sent several letters to World Acceptance Corporation to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
07/07/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30058	Web
This company is the closest thing to a payday loan. I have actually had 3 loans with them. Competed 2 with an outstanding track-record. I only had issues with this 3rd one due to setbacks. Unexpectedly. It was unlike my normal routine. They even noticed that it was out the norm. I have since caught up with all my past due amounts. They will likely not be calling anymore. I am submitting this because the hard working manager may not be aware that people in that office or in corporate are not following the rules. They called me multiple times, repeatedly even after we discussed an arrangement. I don't like their terms. I think that their loans are too high and take advantage of people, but the law allows it and I have unfortunately had to pay far more the amount of money back than what I should, that's another topic for debate because the " law '' allows this. They did call too many times and I have the evidence. I even called and told them that it was happening and I didn't want to report. That didn't work. So now, I am drawing the line.
10/07/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 775XX	Web	Older American, Servicemember
The company, DBA Worldwide Financial Services, subsidiary of World Finance and entity of World Acceptance Corporation located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX calls 3 - 4 times daily with aggressively toned verbal demands that I contact their customer and instruct that customer to call them immediately. Apparently, their customer included my name and number as a secondary contact on his personal loan application without my knowledge or consent. I did not authorized their customer to list my name and number on his application and I explained to the company that he is less than an acquaintance to me and that my name and number should be removed and they should immediately cease contacting me. I have called World Finance by phone three times dating the same information and making a request to ceased contacting me and sent three emails to which replies or received standing later resolve the problem over 2 months ago. I have never been a customer, in any capacity, of of this company or it's affiliated entities.
12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 393XX	Web
I sent World Finance a cease and desist letter that included a request for several documents. I also informed the corporation that I was disputing the alleged debt. This letter was delivered to the corporation on XX/XX/2022. On the day of XX/XX/2022 I received a text message from XXXX who works at World Finance saying I was on a court list and that I needed to make a payment before its too late. I also spoke with XXXX and she verified that the letter was received. I asked XXXX did World Finance file a lawsuit against me or was World Finance threatening me. XXXX also mentioned that World Finance would garnish my paycheck. XXXX also attempted to collect a payment. My consumer rights have been violated. I informed the corporation to stop contacting me and send me the requested documents instead I was ignored. I am being harassed and World finance is causing me emotional distress. I cant even sleep because they constantly calling about an alleged debt. I want my cease and desist honored. I am a federally protected consumer.
03/19/2016	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	IL 613XX	Web
First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
This complaint is my final communication regarding your claim that the account below is being reported accurately. 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 never was late XXXX times. XXXX is the only CRA to report this information. Your company is still reporting payment status when the account is closed. Lastly, the alleged balance that was written off, is not what was reported to me by collection agency. 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 : WORLD FINANCE CORPORAT XXXX
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
WORLD FINANCE CORPORATION FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. WORLD FINANCE AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. WORLD FINANCE CORP FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. WORLD FINANCE CORP HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. WORLD FINANCE CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE 1099C THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.
12/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 38128	Web
XXXX Cfbp ID number. World Finance Corporation, states discrepancy with my FTC Affidavit & Police Report. World Finance Corporation, per the Fcra 15 1681 rule, Identity Theft. Please provide to me a copy of the original loan dated and signed fraudulently with my name, address, state identification used in opening two accounts that World Finance Corporation has been reporting on all 3 credit bureau 's since 2019. In 2019, I noticed these fraudulent accounts being reported to the credit bureau 's. The information on each the FTC & Police Report- is the same in stating 2019 as begin date. Please explain the method World Finance Corporation used in determining a discrepancy in information accordingly with the CFR 12 1022.3 & FCRA 15 - 1681 Identity Theft. Please provide this information ASAP. Thus, all communication regarding this matter, will be handled with the CFBP Website. I will not communicate with this company outside of this platform unless matters should need to be resolved our attorney 's.
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77015	Web
I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77015	Web
I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.
09/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 317XX	Web
World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.
08/23/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AL 368XX	Web
THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX
02/09/2017	No	Credit reporting	Incorrect information on credit report Account status	GA XXXXX	Web
Freeman fiance XXXX collection agency XXXX from XXXX not XXXX incorrect reporting info and balance on my report for years!! Keep reporting info that was settled XXXX loan was paid off XXXX dollars the XXXX loan is obsolete due to the collection rep from freeman came to my home to collect payment after I went to the office to pay on time by check for {$50.00} dollars but was refused!! The other case was XXXX ... third party pymt co in XXXX ga XXXX XXXX I bought a XXXX XXXX XXXX paid it off then they called me for a trade but the location was at a different location small, house XXXX XXXX males I went to the main lot lack of trust another salesman found me a XXXX XXXX truck after I signed for it the paperwork was diff from what I got in the mail XXXX on the truck pymt were higher XXXX mo plus the truck had mechanical issues the rep said the parts are rusted in site at that point XXXX REFUSED TO GIVE ME BACK MY XXXX ... this was not only a violation by theft and misleading but a Robbery!
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 306XX	Web
On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? They definitely arent in XXXX XXXX Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 306XX	Web
On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? They definitely arent in Metro 2 Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
11/28/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30281	Web
A consumer transaction was done with World Finance Corporation on XX/XX/XXXX. where I was asked to submit my car title up as collateral. XX/XX/XXXX after studying consumer law and XXXX I had questions about the consumer transaction at which time I wanted to know who was the original creditor, how did they come up with the finance charges. I asked them to validate the loan and until they do so to cease and desist. They responded back telling me they would not be reaching back out to me. But by law the didn't because they continue to report to credit agencies as if I was missing payment. Continuing to study I realized that I was to be given my right to rescind. The disclosure and the forms to do so which I never received. As of XX/XX/XXXX I submitted my right to rescind. They XXXX may have been violating my rights to rescind and by submitting late reports to my credit file after I informed them to cease and desist may be restricting me from trading in commerce.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38134	Web
I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 778XX	Web
There is 2 debts being reported to all 3 credit bureaus from World Finance. I have disputed these charges. There are 3 accounts and I only had one account with World Finance, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted World Finance about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted World Finance again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that World Finance would remove this debt from credit, although this is not my debt, so I sent World Finance a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent World Finance. It still remains on my credit report.
02/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW..I sent my FTC AFFIDAVIT AND POLICE REPORT to all 3 CREDIT Bureaus and the creditors Reporting the fraudulent information The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act. The Collection Companies did FAILED verify my debt or send in the required documents under the 611 and 623 FCRA THEREFORE the Fraudulent information was removed.. Recently these Fraudulent Accounts reappeared on my Credit Report..I 'm requesting these Fraudulent Accounts be Blocked.
03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68164	Web	Servicemember
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 730XX	Web
I have found that there are several incorrect and unverified items, with World acceptance and I have disputed these items with them and the credit bureaus several times in the past. These items have also caused a significant negative impacted my current ability to receive credit and have provided unnecessary embarrassment and inconvenience. World Acceptance XXXX and World Finance Co XXXX. This is the exact same company reporting incorrect information and duplicate account. They are listing it under different account numbers and keep removing and re-inserting it on my credit report. My last account with World acceptance was opened in XX/XX/XXXX, account number XXXX, and my last payment was in XXXX. I am sending documentation of this. This has not only hurt my credit score but also CAUSED major stress and the credit bureaus and world acceptance violated my rights. They recently just did it again which dropped my score XXXX points
10/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 38128	Web
World Finance Co, aliases World Finance Corp.is reporting to All three credit bureaus agencies- XXXX, XXXX, XXXX, with different account numbers reporting differently to all 3 credit reporting agencies. World Finance CorpXXXX is reporting duplicate accounts for the same amount of {$430.00} opened on XX/XX/2017 & XX/XX/2017 - {$430.00} Second account XXXX. Another account number XXXX, opened on XX/XX/2017 & XX/XX/2017 - {$430.00}. This account I never opened or received money from creditor. Identity theft. Per Fcra Rule 623 ( a ) ( 6 ) ( b ) - consumer notifies you that he or she is a victim of Identity theft, and gives an identity theft report you XXXX not furnish information to the CRA regarding fraudulent account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcra rule 609E. I am attaching my ftc identity theft report, driver 's license, police report number for XXXXXXXX XXXX police department, utility bill.
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30132	Web
I received XX/XX/XXXX a call at my Job, and it was from a company called XXXX XXXX XXXX from a gentleman by the name of XXXX XXXX. He stated that the call was in reference to a World Finance Debt. I was surprised because he stated that I owed a debt to them. I respond that I had XXXX loans from World Finance but they both were satisfied. I immediately hung up and called the XXXX location where I got my loans back in XXXX, and XXXX. The XXXX location confirmed {$2000.00} was sent to collections. This guy XXXX XXXX from XXXX XXXX XXXX stated I received a loan in XXXX. I never got a loan in XXXX I applied for a loan but it was denied that's what the world finance representative told me. I don't know if the World Finance employee lied and said I was not approved but I was approved and took the monies, but I never received a loan. This is a fraud, and they're coming after me for monies I've never received and it's ruining my credit.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53562	Web
I have had a charged off account from World XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected World XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. I have disputed it with XXXX, I have involved the XXXX. At this point, XXXX said I should file a complaint here The contact information for World XXXX is : XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
03/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 376XX	Web
An employee named XXXX from XXXX XXXX contacted my work office between XXXX on XX/XX/19 asking for me ; at the time I was on my lunch break, however when I applied for the loan I plainly told them that they CAN NOT contact me at work. On the same date, XX/XX/19 between XXXX, I called XXXX XXXX, returning their call from earlier, to discuss a payment arrangement and spoke to the branch XXXX, XXXX XXXX who proceeded to tell me since I was 3 payment behind, if I could not make payment by this Saturday, my account would then be sent to collections with legal action to follow since they verified my place of employment earlier that day. I asked him what that meant and he said my wages could/would be garnished. But they didnt call to verify if I worked there, they called asking me to return a call to them even though I told them from the very beginning I could not be contacted at work due regarding personal affairs.
07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29340	Web	Servicemember
World Finance Corp 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 ; World Finance Corp 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.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
09/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28306	Web	Servicemember
On XX/XX/XXXX, I opened a installment loan with World Acceptance Corporation in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from Colonial Finance Company. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
03/30/2018	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	SC 29073	Web
I was a victim of identity theft ( with multiple payday 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 inXX/XX/XXXXXXXX XXXX 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.
03/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70806	Web
My credit issue is with the World Finance. Contact information is as follows : Local office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : XXXX XXXX XXXX The creditor is engaging in intrusive harassment tactics. My bill is 7 days overdue. I have no history of missing payments. They never made an attempt to reach out to me directly ( supported by my phone and email records ). On this day, XX/XX/2023, they contacted a relative and my employer about my bill being 7 days overdue. I called the branch immediately and the manager of the branch confirmed that she contacted my employer and another third person to discuss this matter in violation of federal laws. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are generally prohibited from communicating with third parties, including your employer, about your debt. Upon request, my unedited phone logs can be provided.
06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77375	Web
I spoke with the District manager and went over a balance that was showing on my credit report the district manager informed me that fees occurred on the account after it charged off but refused to give me an itemized invoice showing me how much inches was occurring on the on the account when it when it charged off I have asked several times for them to give me an itemized invoice of my of my choice of loan and the balance which included their interest and fees that theyre stating it is possible that they are trying to combine an old account that was bought that was purchased from them from another lender that I am currently in dispute with. Furthermore I do not believe it is fail or should be legal for a loan company to charge interest on a charged off account and refuse to give me a statement showing the amount. This account has been charged off since 2018 and now their stating interest has accrued
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, World Finance Corp, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. If you can expedite this request to look into this matter for me, I would really appreciate it. Thank you in advance.
10/22/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	PA 19007	Web
I hired a Credit Repair agency XXXX Law Firm to have World Acceptance Company verify an item listed on my account, I tried to request the same items twice and was rejected. XXXX XXXX the XXXX of XXXX XXXX sent out XXXX letters denying my request. I have sent pay to delet offers and received no response. This debt collector is in clear violation of Fair Debt Collection Practices Act Section 809 Validation of debts 15 USC 1692g.XXXX XXXX deemed my request enacted by the F.D.C.P.A as " Frivolous '' as it is my fiar right as an American citizen of the United States of America to request account validation without roadblocks halting my consumer request. I am requesting that this company supply me with all documents requested without prejudice or hesitation as I have given my full name, address and contact information several times as listed in several documents sent out to World Acceptance Corporation.
04/17/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77084	Web
I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.
12/05/2020	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	GA 30052	Web
I have filed Several complaints against this company world finance company they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
08/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NM 880XX	Web
On the date of XX/XX/2022 i was looking into a personal loan came across world acceptant finance i put in a allocation online was called at XXXX XXXX by XXXX i was asked if i was looking into a loan of XXXX i said yes and she asked if i wanted to proceed with application i asked is there a hard credit pull cause if there is don't do it i won't be approved if it's a soft credit pull then yes i wan na proceed she said no it's only if we run your credit two time i asked if she was sure i was in the process of repairing my credit don't want hard inquiry she assured me there wasn't as soon as we got off the phone i got a email of a hard credit check tried calling back no answer went to the office asked them to remove i did not authorize if it was gon na be a hard credit inquiry i spoke with the manager her name was XXXX XXXX she stated there branch manager would call me never got them to removed
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75180	Web
XXXX received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove XXXX XXXX ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, World Finance Corp all FRAUD accounts. I have been battling with the creditor as well as XXXX and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
08/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 38671	Web
I applied for a credit extension in the amount of {$500.00} and was denied by World Finance XX/XX/22. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to provide for my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card. They received the benefits from my credit card and I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30701	Web
World finance cooperation continues to report a Charge OFF debt that was sold to XXXX XXXX which I paid the debt in full as XXXX stated the debt would be deleted after I paid the account. World Finance constantly keeps reporting debt as charge off after debt was sold to debt collection agency. Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid in settlement. {$770.00} written off. Status updated XX/XX/XXXX Original balance $ 560 Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX
04/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	XXXXX	Web
I sent out a letter to XXXX XXXX back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report. I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.
03/25/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 306XX	Web
XXXX, XXXX World Finance is Reporting fraudulent and Inaccurate information Under 15 USC 1681 ( a ) ( 1-4 ) they are violating this Section. They are reporting that the Account/transactions were ( charged off ) per the IRS when a debt is charged off it doesn't get reported because it fall under income which that does report on the consumer file. this is what they are reporting. ( Status Account charged off. {$450.00} written off. {$630.00} past due as of XX/XX/XXXX. ) Important note Account name WORLD FINANCE Account number XXXX .... Recent balance {$640.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$920.00} past due as of XX/XX/XXXX. This is what's actually showing up I have been violated. I've also sent Debt Validation letters which they never responded to nor have they provided me proper documentation
11/09/2022	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	KY XXXXX	Web
I submitted a dispute earlier this yr regarding my balance showing incorrect on my report, ever since I've filed that dispute, they've illegally reported higher balances on my credit report several times. The original debt is XXXX, they've hiked it up little by little to where it is hurting my credit score. They are trying to force me to contact them when I don't have to u less I absolutely have the funds which I don't. But to keep updating my balance to a false amount is not right. It's literally been at XXXX for years since 2017 I believe and now it's going up AFTER filing a dispute. It seems like they've decided to find a way to retaliate and that's not right. If I'm broke I'm brokeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They need to fix this because it's hurting my credit no matter what.
10/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46236	Web
I receive phone calls every single day, sometimes multiple times a day from World Finance Corporation. They call from random numbers, different offices, everything. I add each number to my block list. I have been making payments as I can and the loan is not in default. They are still actively receiving the payments and yet still leave voicemails stating " Hey XXXX, it's XXXX with World Finance, I need to hear from you TODAY XXXX. " - called from XXXX. " This message is for XXXX, it is very urgent that you contact World Finance. '' " XXXX please return my call today. '' No introduction. Everyday is a bit redundant especially since I am making payments. If there's an issue with my payments then they should send my account to collections and let me deal with it. Not calling me every single day like I'm secretly withholding money that I certainly don't have.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 302XX	Web
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
01/11/2018	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 389XX	Web
I CALLED THE LOCAL BRANCH OFFICE ON TODAY WHICH IS XXXX XXXX,2018 AND APPLIED FOR A PERSONAL LOAN IN THE AMOUNT OF {$300.00} FOR MEDICAL BILLS AND WAS TREATED RUDELY, SNAPPED AT AND DENIED BECAUSE OF MY HOUSEHOLD SOURCE OF INCOME WHICH IS SSI FOR MY XXXX CHILDREN WHOM I AM THE PAYEE.I FELT LIKE I WAS DICRIMINATED AGAINST BECAUSE I HAVE GOTTEN OTHER LOANS IN THE PAST INCLUDING THE RENTAL APPROVAL OF THIS HOUSE WITH THE SAME SSI INCOME.I CALLED THE HEAD OFFICE IN SC ON THE SAME DAY AND SPOKE TO THEM ABOUT THE PROBLEM THAT I WAS HAVING WITH THE LOCAL BRANCH MANAGER AND THEY SAID THAT IT WAS NOTHING THAT THEY COULD DO ABOUT IT BECAUSE EVERY STATE HAS THEIR OWN RULES. I TOLD THEM THAT NOTHING DIDNT SOUND RIGHT ABOUT WHAT THE LOCAL BRANCH MANAGER TOLD ME. THE COMPLAINT IS AGAINST WORLD FINANCE STORE # XXXX /XXXX XXXX XXXX XXXX/XXXX, MS/XXXX/PHONE # XXXX.
04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30012	Web
World Finance has repeatedly removed and reinserted this debt. On or about XX/XX/2020 the account was added after previously being deleted following a dispute. When I contacted the local branch, I was told I needed to call the collections dept at XXXX ( XXXX ) XXXX. When I call that number inquiring about this account ... I was told the collections account is closed. So I called the branch back. At this time I was told the account had a balance of nearly {$800.00}. This account is reporting at {$300.00}. Why is a closed collections account reporting as open? Why is the loan holder reporting {$300.00} debt but Is asking for {$800.00} Although the debt is not mine, they removed and added this account several times over the years, the statute of limitations is approaching, they keep re-aging the debt, and reporting inaccurate amounts
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62521	Web
WORLD FINANCE INC XX/XX/XXXX, I agreed to a payment plan to bring my account current. At the time, I was told I would no longer be incurring extra fees or interest while trying to pay back the current amount owed. To date XX/XX/XXXX, I have been paying on time as agreed in XX/XX/XXXX with the understanding that my credit would not be adversely affected. Instead, after reviewing a new copy of my credit report, I found that the agency has been reporting my payment as late each month. Although I am following their payment agreement. I have called twice in XXXX to try to remedy the problem. They gave me the run around and said sorry there is nothing we can do, unless you want to pay in full?? I have never had a company that enters a payment agreement with you but still negatively connotates your credit history. Ridiculous!
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35226	Web
I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX World fiancXXXX XXXX collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over 5k in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
09/28/2023	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	SC 299XX	Web
The letter I received clearly stated, Based on our review and investigation, World finds that the account information being reported to the credit reporting agencies is accurate. Yet the response from the cfpb complaint clearly says that there was an inaccurate balance being reported and has now been fixed. So if there was a thorough investigation into my dispute, how could there still be inaccurate information being reported almost 2 months after receiving my dispute. Also my terms are still being reported wrong, as they have listed numerous times throughout the following paperwork that my monthly payments shouldve been {$75.00} in 5 monthly payments. Yet there is XXXX still shows different. This account negatively affected my credit by reporting a negative account, which was a key factor in me being denied a loan.
02/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 393XX	Web
Please refer to complaint numbers XXXX and XXXX. World finance has failed to provide any proof of the alleged debt in said complaints. I have sent the corporation a 3rd letter which it received by certified mail which it have yet to respond. World finance also told the CFPB that I owed a debt but has not provided proof of any debt. I have received a copied contract that shows proof I participated in a consumer credit transaction that somehow turned into a loan. It also provided an accounting history that shows proof of extortion. World finance also continues to communicate with credit reporting agencies after the corporation were told to cease all communications in which it told the CFPB it would. World finance is in violation of the TILA, FDCPA, FCRA, GLBA, and MTPA. I have attached several documents showing proof.
05/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web
I entered a consumer credit transaction with WORLD FINANCE CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WORLD FINANCE CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WORLD FINANCE CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 295XX	Web
Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in XXXX when I first XXXX to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with world finance company I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further
09/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NE 68164	Web	Servicemember
World Finance is reporting on my credit as being charged off as well as late payments for 48 months. If an account is charged off then it is considered closed and therefore no late payments should be reported in addition. This account has already been written off and yet the company is still reporting late payments as if the account is still open. While I do understand that some of these late payments are legitimately being reported, any late payments after the account was charged off is fraudulent. An account either needs to be open with late payments being reported or charged off with only late payments prior to charge off date being reported. It can not be reported as both. I have made numerous attempts to resolve this and even offered to pay the account in full if they removed it from my report. They refused.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71457	Web
I have an account that is negatively reporting on my credit when the account was closed on XXXX. I made my last Payment on XXXX but after they closed it they reopened this account. The balance i owed should have reported {$1200.00} but instead is showing {$1500.00} & they are report late payments. They are also reporting an address of XXXX XXXX XXXX & i do not stay at this address. under 15 U.S. Code 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I should have a right to privacy.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63119	Web
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance Company has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account for some time now with World Finance. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
04/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC XXXXX	Web	Older American, Servicemember
I have renewed several loans with World Finance and have always had job loss insurance protection. On XX/XX/2014 I had a mutual agreement to leave the company. I went to the finance company to fill out the job loss papers. I was told I was not eligible unless I was receiving unemployment but because of what the company told unemployment I was disqualified for 20 weeks which was the length I could draw. I was contacted by one collection company and so I sent them the job loss application. Last month i was contacted by another collection company which I will forward them the same papers. Since I lost my job back in XX/XX/2014 I have moved to XXXX, SC and a lot of my papers were thrown out because I had my son getting my things from XXXX XXXX, SC. My new mailing address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX
04/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 38301	Web
They had an automated messaged call and threaten to take me to court and sue me. When I called the number back to inform them they were in violation of my rights, she decided to try and convince me I took out a loan in XXXX at a place I was supposedly working, but the place that was on file I hadn't worked at since around XXXX. She then tried to tell me there was no statute of limitations on this loan, wouldn't give me any information to contact someone, threatened to take me to court, and still quoted wrong information. I told her if they garnish my checks then that is going to cause undue financial hardship for me and my daughter I'm raising, and I basically got an " oh well '', even though I never took out a loan in XXXX. I've never received anything in the mail, no prior phone calls or anything.
12/25/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30236	Web
I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.
05/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29420	Web
This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.
11/12/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OK 749XX	Web
I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.
11/24/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OK 749XX	Web
I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53405	Web
World Finance Corporation ( po box XXXX XXXX SC XXXX ) has closed my account/written off debt. But continuously keeps reporting that I owe a balance to them. Trying to tank my credit score on purpose this has been going on since XXXX. I initially borrowed $ XXXX {$400.00} now they are saying I owe them in the amount of {$3300.00}. I am currently in bankrupcty they are fully aware that I am and yet still keeps trying to sabotage my credit score on purpose. They have even went so far to check my credit score without my permission. My discharge date is XX/XX/XXXX if this continues I will have no choice but to pursue legal action against this company. For being in violation with the FDCPA. They are fully aware of what they are doing, and I fear that they maybe doing it to other consumers.
04/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	SC 295XX	Web
This one in particular loan world finance incorporation went from my home state which is XXXX South Carolina to XXXX South Carolina XXXX South Carolina and XXXX South Carolina and my thing is if someone was using my information because I'm filing it as a theft accept unauthorized charge the amount that they apply for was XXXX I think it was an unsecured loan and the charge off was XXXX but my thing is if someone stole my identity how can they go into a big loan office like this and apply for service and it's not me so yes I do have a complaint about this I've been trying to get this off of my credit because this is one of the main things that's on my credit that's holding me back from getting a lot and I did not do it I honestly did not do it so can you guys please help me thank you
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29108	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 fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
10/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70501	Web
On XX/XX/ I asked World Finance to Validate the debt that they have been reporting only credit report, as of today they have not responded. On XX/XX/ I sent World Finance a second letter Disputing the accuracy of their reporting. The account is being reported as a charged off every month resulting in the date of delinquency to be refreshed in the credit bureau system. In addition this account is also showing a past due amount even though it is charged off. Final the amount due continues to increase although this account is charged off. Please correct me if I am wrong but I feel that this is a violation of my fair reporting rights. This company has refused to respond to my mail request and verbal request are told that I have to pay the debt to have the account properly reported.
04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web
XXXX is has 2 world finance accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. XXXX just reaches out to the creditor and they write a statement and nothing gets resolved. If XXXX just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.
06/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 313XX	Web	Servicemember
I paid my final bill to World Financial online on XX/XX/2020 in the amount of {$320.00} they emailed me a receipt. Ive been fighting this charge off/ collection for two years. Ive disputed it with all the credit bureaus but they have stated that the can not remove it and WF refuses to respond and provide proof of debt. World Finance gives me the run around and never calls back, emails or mails me like they promise. They have me listed owing over {$400.00} on a closed account I paid and three years late on payments. My score has plummeted. When asked to validate they change the amount or date. They said they work under a new system and cant find the proof of payment on their side. They also sent me to collections after I kept disputing them, twice. Im beyond stressed and exhausted
09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76123	Web
I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and Same XXXX XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with XXXX XXXX XXXX they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.
03/09/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 64063	Web
A cease & desist was sent to the debt collector. According to 15 usc 1692c you are prohibited from communicating with me. The debt collector is still communicating indirectly through my consumer report. The debt collector only has a right to report if I have given them consent. I have never given this debt collector consent to report anything to my consumer report. According to 1692c ( b ), you have to have my consent which I DID NOT give. According to 15 usc 1692k ( a ) ( 1 ) a debt collector who has violated any provision of the FDCPA Is liable for actual damages. You are reporting several accounts. According to 15 usc 1692k ( 2 ) ( A ) it would be {$1000.00} per violation. I will not hesitate to file a suit if you continue to break FEDERAL LAW and violate my rights.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75227	Web
documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.
04/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 766XX	Web
About 4 years ago I went to get a personal loan to help my mother out I was declined for the loan a couple weeks later they called me back and approved me for a loan. I lost my job that same week after that unfortunately so I could not pay the debt it has since now been sent to collections and charged off and is impacting my credit score I have went to the place of business to try and resolve this situation and was informed it had been sent to collections a long time ago and there is nothing they can do now. I would like to get the derogatory mark removed from my credit score and get this situation taken care of and or fixed but do not know how. I would like to have it removed or settle something or make arrangements to fix this situation on my credit report thank you.
10/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77083	Web
My loan charged off due to a job loss, I have started making payments to XXXX XXXX, however my monthly {$50.00} payments is going towards the interest and I will never be able to payoff the loan. I thought there was no more interest once the loan has been charge off, I have {$200.00} in payments and only {$60.00} has been placed against the principal and {$140.00} has been place towards the interests. I can't get a payoff, I would have to pay {$3000.00} to payoff a balance of {$1300.00}, for example I paid on XX/XX/18 {$50.00} towards a {$1300.00} balance and now the balance is {$1300.00}, this is a ripoff. Please help me settle this because I am unemployed, however I am still trying to pay my debt, but with this system, I will never be able to pay off this debt.
01/06/2018	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	GA XXXXX	Web
This is my 4th attempt to try to resolve this issue with this company. I have reached out to my Bankruptcy attorney and was told to make one last attempt before further action is taken. I was informed that even though World Finance sent my debt with them to collection It should still be considered as Included in Bankruptcy! XXXX XXXX has never contacted me or made me aware of any debt regarding World Finance and World Finance is reporting incorrectly.In most federal circuits, even debts that werent listed in your bankruptcy schedules are discharged, My case was a no-asset Chapter XXXX case. In the XXXX XXXX, the case that stands for that proposition is XXXX. I continue to check my credit for updates and it states " Charged Off Account '' which is once again INCORRECT.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of XXXX as a federally protected consumer, it is my right to privacy. Per the Security Exchange Act of XXXX, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75180	Web
I have contacted XXXX numerous times after numerous times. I submitted a FTC AFFIDAVIT WITH ALL REUQIRED DOCUMENT INCLUDED. I am a victim of identity theft, someone used my personal information for personal gain. XXXX latest report deleted everything but refuse to delete the collection accounts on my credit which is also fraud and unauthorized- WORLD FINANCE CORPORATION REFLECTING AS A CHARGE OFF ON MY CREDIT WHICH IS INCORRECT. I also contacted creditor and submitted etc affidavit to World Finance as well. XX/XX/2021 XXXX XXXX XXXX- ORIGINAL CREDITOR XXXX XXXX XXXX - THIS IS A FRAUD UNAUTHORIZED ACCOUNT THA T WAS NOT AUTHORIZED BY ME ON MY CREDIT REPORT THAT SHOULD BE REMOVED IMMEDIATELY. I ALSO CONTACT CREDITOR AND SENT FTC AFFIDAVIT TO THEM AS WELL XX/XX/2021
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... WORLD FINANCE CORPORAT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	TN 377XX	Web
Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.
01/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30319	Web
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. I have sent a correspondence in response to an email I received from World Finance on XX/XX/XXXX. Within that email they informed me that I owed an " alleged '' debt. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which World Finance clearly stated in the email they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, World Finance is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. World Finance has received my correspondence on XX/XX/XXXX.
10/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web	Servicemember
World Finance showed up on my credit report on twice. One account for {$140.00} and another for {$1200.00} and I have not had an account with World Finance in over 2 decades. They never sent me notification of debt when I requested it in XXXX, XXXX and still havent. So I called them and they claim to have bought the loan from a company that has since closed down in Tn. I ask for proof due to I have not had an account with XXXX since XXXX. They were rude when I called ( the female who answered the phone ). I was told I would receive proof and still never gotten it. I am requesting debt to be deleted since they failed to adhere to FCRA that states they have to send written notification within 30-45 and its going on 2 years and still havent received anything.
04/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30116	Web
I went to make a payment on my loan and saw a note on door that they are closing early. They had already closed when I got there. The next business day, I called to get my payoff bal. An employee of the company told me {$1200.00}. I was going to go pay but the rep told me they were about to close. The next day I went to pay, but when I handed them the payment, a different rep told me the payoff was {$1300.00}. I informed her that on the day before that they told me {$1200.00} and I was on the way to pay but they were closing. She told me that it was interest accruing.So {$120.00} was interest for 1 day?! She replied yes. I asked if it could be waived in light of the situation and because they had started limiting their hours they were open. Reply was no.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76105	Web
World Finance continues to verify inaccurate information on my credit report to various credit reporting agencies. Specifically XXXX, despite being sent notice under Section 609 of The Fair Credit Reporting Act which requires World Finance to remove or delete information if they fail to provide the authorization to pull credit and or contracts or agreements related to the debt. As of the submission of this complaint, World Finance although duly noticed more than 90 days ago has failed to provide the required information under Section 609 FCRA. World Finance is violating the FCRA by continuing to verify information being disputed as accurate yet failing to comply with Section 609 FCRA. The CFPB has shed numerous entities for these continued violations
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38114	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX ... WORLD FINANC XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/03/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28379	Web	Servicemember
Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30297	Web
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... WFC XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76131	Web
I recently was reviewing my credit report and came across a debt that I did not recognize from the creditor World Finance Corporation, based in XXXX, Missouri. While I did live in XXXX, Missouri, I have no association with this debt. I sent them a letter in the mail demanding verification of debt and all of the information that is required for them to provide in accordance with the FCRA. Two weeks went by and I received a letter back, of which you will find a picture in the attached files of ... stating that the address was undeliverable. Upon further research, they are no longer and entity. They would be unable to verify these claims of debt and there is simply no way for me to know where this debt came from and why it's on my report.
07/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 605XX	Web
I had a personal loan that was paid through a garnishment back in 2016. World Finance continued to report a balance on my credit. They had been provided all documents from XXXX yet still reported the balance. My wife and I have contacted them by phone numerous times with no resolution. They did say that the original branch that held my loan account had closed and files were transferred so the records were not properly updated. Regardless of the fact that documentation was provided to them no change had occurred. Since we are closing on a home we felt trapped and paid the {$210.00} balance to get this debt removed. Due to their incompetence we requested the account be deleted from my credit. Now they will not even return a phone call.
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75068	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 XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/16/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64138	Web
World Finance XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29532	Web
World Finance is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
10/30/2022	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 Was not notified of investigation status or results	TN 37013	Web
DEAR XXXX! I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH XXXX XXXX BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30127	Web
On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of World finance company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020they are still reporting inaccurately.
09/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30506	Web
Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... WFC XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30052	Web
original creditor was XXXX XXXX and that is what is on my XXXX credit report but on my XXXX world finance co. purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted XXXX twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this
08/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30052	Web
This is the first time I 've been late with this company World Finance in XXXX, Ga. I 've been harassed for weeks. My due date is on the XXXX of the month and I spoke to the branch manager few days after my due date and explained I was trying to come up with the money. I have switched jobs and we are trying to get on our feet. This company 's will start early in the morning and repeatedly call me from multiple numbers ever day and continue over and over again. They are also calling me from unknown numbers and when I do n't answer those they call right back from another number and continue it over and over again. I have saved under contacts at least 8 numbers they call me from. This is harassment and I want it to stop!
02/27/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	TN 379XX	Web
When unable to pay I 'm automatically threatened. I 've been threatened that my account would go to the attorney, I 've been told that my account WAS already sent to the attorney, but then they resume calls the next day, so they 're lying. Not only lying, but calling my employer private and calling my cell number private as well & I 've even answered their private calls. I do this kind of work daily so I know what you can and ca n't do, which is why the cfpb was put into effect, to keep consumers from being taken advantage of! They call more than 3 times a day blocked. Which they can not do. All together I 'm upset with this financial corporation. There is a such thing as collecting without threatening your customers!
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61938	Web	Servicemember
A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told XXXX XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38114	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77054	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
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	GA 30253	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.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29644	Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX I am in Direct violation of the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that Ithe 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 Acts.
11/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 63136	Web
My identity has been seriously compromised by online identity theft and it has left me with issues u unknown and unauthorized. Prior to my wallet was stolen and reported so this is a recurring issue. The following accounts are the aftermath of the fraud. I am demanding that the credit reporting agencies remove and block these accounts immediately 1. XXXX XXXX XXXX XXXX 2. XX/XX/XXXX {$1000.00}, 3.world finance corporat {$1000.00}, 4.world finance XXXX. 5. World Finance Corporat XXXX 6.World finance Corporate XXXX. 7. World finance Corporate XXXX. 8. World finance corporate XXXX. 9. World finance corporat XXXX 10.world finance corporat XXXX 11.World finance Corporate {$510.00} XXXX XXXX XXXX {$730.00}
01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 356XX	Web	Servicemember
I was notified through a credit check company I use that World Acceptance Corporation changed the status of a loan I had with them from current to PAST DUE ..This was from XX/XX/2019 ..I was notified by the service that this is unusual so I should check my payment history carefully..I believe this was don't because I have not been back in to refinance a loan with them and XXXX because I am not able to answer the phone 10 times day when they call because I am at work..I believe this has been done on all of my loan accounts I have had with them..They also run your credit report multiple times per year causing multiple inquiries on your report even though you are currently under a loan with them..
03/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 761XX	Web
World Finance went to selling their Loan account to Debt Collection Agncy XXXX XXXX XXXX Debt Collection Agency on today to collect Loan Debt in the amount of {$2000.00} dollars after my Legal at the XXXX XXXX XXXX sent them notice on XXXX XXXX sent them notice of that i have retained XXXX XXXX Bankrupcy Legal Counsel regarding their Loan account number XXXX advicing them that my XXXX XXXX bankrutcy will be filed filed trying to collect their debt after they was notified of my XXXX XXXX Bankrupcy case from the notice of their Legal representation of my XXXX XXXX Bankrupcy case to them from this XXXX XXXX XXXX Bankruptcy Legal Representation Letter notice below attached to this complaint
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77045	Web
I signed up for credit monitoring about 2-3 years ago, I noticed some inaccurate information and things on my bureaus. I took the time to go one by one and reach out to the companies with the inaccurate information. World Finance is one of the creditors. So the first or second time I spoke with someone they told me that they had investigated and was aware the account was not my account. They removed the account, then the account was back on the bureaus. Had reached out like 40-50 times with them. On a lot of occasions I was given the run around. Last month I tried reaching out again and it was the same scenario. It was verified and removed then here again its back on my credit bureaus.
02/21/2017	No	Consumer Loan Installment loan	Managing the loan or lease	OK 730XX	Web
I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MO 63136	Web
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..World Finance is also on my credit i have tried and tried to dispute this account, but no luck XXXX
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 75104	Web	Servicemember
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. In accordance with the Fair Credit Reporting Act, the following creditors, WORLD FINANCE CORPORATION - ACCT # XXXX have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
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	NC 28056	Web
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX You are in direct violation of the fair credit reporting act ( XXXX world finance XXXX XXXX XXXX ), 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 in direct violation of several laws under the fair act credit reporting act.
12/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29063	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63119	Web
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance XXXX has stated in a documented letter of their inaccuracies
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29485	Web
I sent the credit bureaus letters asking them to verify the debts on my report on XX/XX/2022. They have completed the investigations stating that the debts were verified or updated. Today XX/XX/2022, I pulled another credit report and this report is still report inaccuracies. I have attached the letters sent to each bureau. screenshots of the response also attached is pages related to each account from my updated credit report, highlighted inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30122	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXedit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : WORLD FINANCE XXXX Balance {$480.00}
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
This account appeared on my credit report on XX/XX/XXXX. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. I have never had a loan with World Finance Corporation. With no interaction or communication whatsoever this account appeared on my credit report showing it was from XXXX. This is not my account. I want this removed ASAP.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76107	Web
World Finance Corporation is reporting inaccurate account balance information on an account that was charged off in 2016. There's no way two years later that the account is in collections for a balance on a closed account. I have disputed this over and over again. This company can not provide any information about the origin of the account and why they are trying to collect on a closed account. This is a fraudulent company that is scamming consumer out of money on closed account. When the information is disputed they provide the reporting agency false information pertaining to the account. This needs to be removed from my account before I'm forced to take legal action.
07/14/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31602	Web
This account was back fromXX/XX/XXXX. The original creditor is world acceptance cooperation now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XX/XX/XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
08/06/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 971XX	Web
XX/XX/2019 " XXXX, '' of world finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX, called for pmt on my loan. I returned her call. She refused to accept less than full payment and said it was company policy to refuse partial payment. I heard this in XX/XX/2019 from another employee. As I could not make full payment then or now and they were refusing partial payment, I went to the Corp website to verify their claims. I was able to submit a partial payment. Then I hear that XXXX called a pending employee twice. Once to garnish my wages ( I haven't started yet ) and again, to verify employment. The debt : {$290.00}, maybe 6/7 weeks ( WEEKS ) in arrears
07/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 745XX	Web
First off my wife called to get pay off amount and they told her they would not give her that information. So I signed up on XXXX to see my amount owed it showed {$1400.00} i even got a slip showing thats what i owed a manager called me and even told me thats all i owed. So i go in with my slip to pay it off {$1400.00} and the associate informs me they turned me into collections plus they tacked on {$400.00} worth of late fees then she said the late fees were a mistake and she didnt know how to fix it. Then she gives me a ticket showing the late fees plus she added more late fees to it even though i dont owe them. They are ruining my credit please help me. Thanks.
10/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28205	Web
After carefully reviewing my credit report, I noticed that World Finance company is increasing the amount of the debt monthly. According to the FTC and FDCPA, companies must accurately report the alleged debt. They have violated my rights as a consumer by demanding monetary amounts that are not contractually legal. The amount reported on my credit report is greater than the amount owed. World Finance Company also failed to validate the debt with me as the consumer with a written notice of the debt. That is also violating my consumer rights. Im also submitting a picture of my official drivers license to prove that I have a name change as a result of marriage.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64804	Web
On or about XX/XX/XXXX I checked my credit wise credit monitoring and found World Acceptance is frivolously reporting innacurate info on my credit report with XXXX saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!
11/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77545	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WORLD FINANCE CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web
XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!
12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web
XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30034	Web
Upon obtaining my XXXX credit report, I noticed that there were unauthorized inquiries from World Acceptance Bank. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75104	Web
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I disputed this is reporting negatively to my bureaus on multiple occasions. The last time was XX/XX/2017. I have made numerous request for them to provide documentation ( i.e contract or agreement of obligation to pay ) with my signature validating that this debt belongs to me. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. This creditor refuses to validate this debt, and is continuing to negatively report me to the credit bureaus.
06/24/2023	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 Their investigation did not fix an error on your report	MI XXXXX	Web
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37206	Web
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77084	Web
While reviewing a recent copy of my [ XXXX ] credit report I noticed a credit inquiry by your company that I do not recall authorizing. I understand that you are allowed to put inquirie s on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. Thanks in advance, XXXX XXXX XXXX
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76052	Web
I have called multiple times about the way the account is reporting. They are reporting it as a new charge off every month and the balance increases every month also they report every month. If it isna charge off it should be a charge off not a new account every month. This is wrong and has harmed my credit every month they need to remove this account or fix it to where ot reports as charged off when it was charged off not a new charge off every month. I callee corporate they said it is the Store that does the reporting XXXX at the store said no it is corporate that does the reporting. Come on this is a pretty large company get it right.
03/19/2021	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 31907	Web
I have written to World Finance not to contact me. See the attached letter from their corporate office, XXXX XXXX ( Government Relations Manager ), which confirms that they are not supposed to contact me. The letter clearly states that the account has been notated not to call and employees have been instructed not to call me. Well, an employee ( XXXX from the office in XXXX, GA ) called me on XX/XX/2021 at XXXX est. This is a problem. The company should not still be contacting me. I am going to escalate this to the attorney general 's office if this continues. The company is also still reporting an incorrect balance on my credit report.
06/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37207	Web	Servicemember
In 2008, my husband, XXXX XXXX XXXX, used my information with his girlfriend to take out a loan in my name. XXXX XXXX and I were in the midst of a nasty divorce when he took these actions. I have submitted several documents showing proof that I was not responsible for this debt ; however, World Finance Corporation can not find him so they are holding me solely responsible for the amount. I have even provided the company with his social security number and birthdate. Unfortunately, World Finance Corporation has not provided me with the original loan documents for verification purposes, but is now attempting to garnish my bank account.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46410	Web
World Finance XXXX XXXX I have disputed this account because it was opened fraudulently. XXXX is leaving this up to furnisher who is World Finance to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. World Finance has asked for a copy of my ID. This has been submitted to XXXX to submit to them several Times
09/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	SC 29301	Web
I started a personal loan with world finance XXXX of XXXX for {$1500.00}. The payback would equal out to {$3500.00}. As XX/XX/XXXX comes around I find myself struggling again to pay my rent and all of a sudden I received a text message from world finance. The message was asking to refinance my loan and receive money and lessen my monthly payments. Of course I agreed to the new terms. I came to find out later I had restarted another loan starting the repayment plan all over again. I was months away from paying off the first loan when I received that message. I only received {$400.00} for the refinanced loan and have to payback XXXX.
09/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 76227	Web
On XXXX XXXX 2022 I applied for a loan with world finance in XXXX Texas, I was approved for XXXX With 13 monthly payments of XXXX, First payment due XX/XX/XXXX. The first payment was made, I contacted world finance to get a payoff amount and was provided a figure of XXXX. I asked Why the amount increased I was informed that the ttl payoff amount would be XXXX. But since I made one payment the payoff amount is XXXX, but since I'm paying off early the amount is XXXX as interest is accused daily on the payoff amount and not the amount I received. This doesn't seem right. How can you charge interest on an amount that I didn't receive
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MS 393XX	Web
On XX/XX/2022 I mailed World Finance a cease and desist which they received by XX/XX/2022. This can be proved with a recent complaint I submitted on XX/XX/2022, complaint number XXXX. I asked for the corporation to send me information regarding the alleged debt. The document is attached. It has been passed 30 days and I have not received the requested items. I also requested that the company request for the account in question be removed from the consumer reporting agencies. This has not been done as this account remains on my consumer reports! I did not give them permission and they didnt give me an option to opt in or opt out!
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
XXXX removed the following account XXXX XXXX XXXX as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has XXXX XXXX XXXX XXXX aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. World Finance is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.
10/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31525	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. WORLD FIN XXXX Balance : {$2100.00}
02/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30058	Web
World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 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 1660B : A creditor may not treat a payment on a credit card account under 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.
05/25/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AL 35244	Web
I'm writing to file a cease and desist order again World Finance. I understand that I'm a little behind on my loan and will eventually get it caught up, but for now, I need to get them to stop blowing my phone up and calling my reference. All this is doing for me is causing me more stress than what I need right now. The economy is not in the best shape, and we are edging closer to a recession and is having a substantial economic impact on my financial situation, and need them to get off of my back and give me some breathing room till I can get my loan caught up. Again please issue a CEASE and DESIST order again World Finance.
10/30/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	MS 38863	Web
We live here in XXXX mississippi XXXX my father pays mortgage every month however he passed away last XX/XX/2023, so i have to continue paying the said mortgage and since My father passed away and its me now paying the mortgage under my ssi income.. i am requesting to transfer the deed trust under my name. yet the public people 's finance company here in XXXX Mississippi doesnt seems want to do it. I am now seeking an assistance how can i go about that? Im under XXXX and im only defending from my social security income and i am hoping that there would be assistance from government that is available for me? Please answer me.
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60707	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 473XX	Web
World Finance keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. The collection company that holds the debt is : XXXX XXXX XXXX XXXX World Finance no longer owns the debt and should not be reporting the debt.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30064	Web
Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30064	Web
Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
I would like WORLD FINANCE TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.
09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30075	Web
World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.
07/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
I am extremely dissatisfied with the companies response in a previous complaint. Mr XXXX not only made no attempt to correct their errors on my credit files, they actually did hard inquiry credit checks on my file on XX/XX/2018 WITHOUT my knowledge or consent. I mailed a certified letter to their interim CEO Mr. XXXX XXXX XX/XX/2018 as well. I am requesting that your division still support my rights in this situation until it is taken care of. It has been over 30 days since I mailed the last certified letter, I received no response and the illegal credit inquiry that they made still remains on my credit file.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70501	Web
This account was charged off XXXX. XXXX, since then the company has continued to add to the balance even though they have charged the account off. From my understanding if the account is charged off it is a dead account and should have no activity, yet this account was reporting a balance increase each month as well as being open. When I disputed this information the company closed the account however, they are still increasing the balance. How can a closed account or charged off balance increase every month for over 2 years? The company refuses to communicate with me, as I have mailed several letters to them.
04/10/2022	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	TX 757XX	Web
This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past seven years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.
09/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
This account appeared on my credit report on XX/XX/21. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. This company has violated the fair debt collection protection act. I want this removed ASAP. In the interim I want the opportunity to fairly dispute the debt.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX, has violated my rights. XXXX. XXXX, XXXX XXXX, has violated my rights. XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web
you meaning cfpb did absolutly nothing to correct this problem with world finance i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and world finance bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
I have contacted this company multple times about A fraud account that is listed on my report. I was informed they sold the accunt to XXXX XXXX I have enail communication from that company directing me to contact qorld finance. It seems as though I am being bounced around. The address the company has is also A flagged fraud address on all 3 of my reports. I have not been able to get this resolved nor removed and would like to take things A step further legally. I have filed A complaint with FTC in regards to the ID theft and also have extended fdaud alerts on all reports as A result of the fraud accounts.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30080	Web
on the date of XX/XX/2019 an inquiry was made by XXXX XXXX that I did not authorize. I disputed this inquiry, and i attempted to reach out to the creditor to resolve this matter but to no avail. on the date of XX/XX/2019 i received an inquiry made by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail. on the date of XX/XX/2019 an inquiry was made by the World finance Co that I did not authorize. I disputed this inquiry, and I attempted to reach out to the creditor to resolve this matter but to no avail.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29615	Web
I was unaware that late payments was reported to this account. I disputed it on XX/XX/2021. I thought it would be a quick fix being that I've never made a payment late. It was not! To my surprise an authorized representative of Local Loans reported to XXXX that the late payments were correct. I mailed Local Loans 2 separate notices to properly validate their claim of actual late payments. I would like for Local Loans to provide proof of any late payments to assist with correcting this error, or remove their account if choosing not to correct the late payment error. I will upload proof of error also
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29505	Web
This account World finance Corporation is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
07/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77040	Web
World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.
09/22/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 290XX	Web
Beginning XX/XX/XXXX I sent in a debt validation letter to the collection agency and the original creditor. Debt wasn't verified and was supposed to have been deleted from my credit report. Collection came back as verified. Sent a method of verification letter to both the collection agency and original creditor. Information was not submitted in a timely manner. Collection agency deleted from my credit report but not original creditor. On XX/XX/XXXX sent out another round of dispute letters and it's still coming back as verified. No method of verification of debt has been received as of this date.
03/07/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 295XX	Web
I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.
09/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63108	Web
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. WFC XXXX Balance Owed {$4300.00}
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 306XX	Web
I've written World Finance Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.
12/26/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30263	Web
The account has been closed since XX/XX/2019. They purchased the debt from another company by the name of XXXX. I told them it was illegal to report false information on my credit report and the balance was wrong. They keep increasing the amount of money that I owe them on my report but the account is closed. The debt in question is from WORLD FINANCE CORPORATIO XXXX XXXX XXXX XXXX, SC XXXX for the amount of {$1100.00}. They will not produce the original loan documents to that I signed. I asked for a debt validation letter and they keep sending me generic responses that reads the same thing.
07/16/2022	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	MO 634XX	Web
World finance has all of a sudden in the last 6 months decided that they wanted to change the date of open on my account from date opened XX/XX/XXXX to date open XX/XX/XXXX! They now show it as active collection with a balance of {$360.00}. Which is an increase of {$60.00} and shows as derogatory! There has been no communication whatsoever from them nor can I get anyone to give me an answer. If I'm not mistaken isn't it illegal to change the active date on an old account ( XXXX ) so that you can make it reoccur? And then add more to the balance so that it's detrimental to my credit report!
06/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29360	Web
World Finance is repeatedly calling people I listed as references over & over, but are also calling people I did NOT list as references leaving messages for me to call them. Per 1692b of FDCPA they are only to call my references one time each & are not supposed to say where they are calling from. They have my correct phone number & address so it is not being used for the need of " location purposes ''. This has been going on for two months. They have told me directly they will continue to call my references daily until I come into the office because that is what is required for them to do.
05/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 393XX	Web
World Finance continues to attempt to collect an alleged debt. This alleged debt has been sold and my no public personal information has been sold without my permission. World finance charge off this alleged debt but has not sent a 1099-C form as I requested. World finance is reporting income on my consumer report. World finance did not inform me on the use of credit along with other violations. World finance has not rebutted my affidavit, answered my questions, or provided any requested documents. I am exercising my right to opt out of world finance furnishing my no public information.
09/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79936	Web
On XX/XX/XXXX XXXX XXXX received and accepted through certified mail a dispute for the following accounts : ( XXXX XXXX XXXX ACCOUNT # XXXX ), ( WORLD FINANCE CORPORATION XXXX XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
09/21/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 30281	Web
Upon reviewing my credit profile i noticed a collection from WORLD FINANCE COMPANY that was opened on XX/XX/2015. I have no knowledge of this collection nor have i received any notices of attempt to collect this debt which is a violation FDCPA and also a violation of the FCRA i was never notified of this debt and upon submitting a dispute to the 3 major credit agencies the account was somehow verified i would like all pertaining information on this account sent to me, as i am a victim of fraud and believe this account was fraudulently opened ... attached is a copy of my police report
09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32218	Web
I made payment on a collection in the amount of {$540.00} on XX/XX/2021 and disputed with all 3 credit bureaus. XXXX removed the debt, however XXXX and XXXX updated the comments stated : I still owe a balance of {$26.00}. World Finance the creditor reported a balance of {$450.00}. I have disputed the incorrect of {$26.00} which I do not owe. I have satisfied the balance of {$450.00} which in the previous months were reported due. Also, World Finance updated the loan type to secured which is incorrect. The loan was unsecured and I did not provide any collateral when opening the loan.
02/15/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30701	Web
After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.
06/14/2018	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	IL 62526	Web
I have been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XX/XX/XXXX & it came back XX/XX/XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XX/XX/XXXX-XX/XX/XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
03/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30813	Web
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me.I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
08/27/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	LA 71457	Web
World Finance have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
11/17/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46131	Web
Everyday 3-5 times a day from XXXX XXXX XX/XX/ 2020. I had to change my phone number it got so bad. They called friends and family members talking about the money I owed. I lost my job due to an injury and informed them that I would f be able to make the payment, so instead of trying to work with me, the repeated to call me, family and friends several times a day. To the point, where they had to block their number ( s ). They called from several different numbers every time. So it was usually one of the employees cell phones. I was cussed out the last time I spoke to them.
05/21/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
Im writing in regards to an account that was used in my name to collect funds that I did not authorize. The company name is WORLD FINANCE CO which was open on XX/XX/2020 for the amount of {$590.00}. I have tried to resolve this with the creditors itself but they have told me to call credit company instead but definitely need this off my report because its not my account as well as other account that was used in my name. Since l lost my wallet in XXXX of 2020 my identity has been breach and credit cards has been getting open in my name as it is affecting me and my credit.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29203	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.
03/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29210	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.
03/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29210	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.
02/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29108	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.
01/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29108	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.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29203	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, date of last activity verified and provided to me as well.
12/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC XXXXX	Web
I have a debt collection from a company that open a account in XX/XX/XXXX. This company XXXX XXXX, has never showed up on my credit report until now because the company was sold to World Finance has bought XXXX XXXX out. I have no reconciliation of this company or the account and now its showing as a charge off on my credit reporting XX/XX/XXXX. It has ever shown on my credit. I reached out to the new company and they told me that they only got the information that the company sent them. How can I remove this from my credit as I have disputed it with XXXX twice?
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60901	Web
This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 318XX	Web
This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77573	Web
I am filing this complaint because XXXX, XXXX XXXX, World Finance Co, and XXXX XXXX/XXXX/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 that 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. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78634	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
01/24/2023	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 Their investigation did not fix an error on your report	AL 35803	Web
I have learned that World Finance XXXX owns the referenced debt and is responsible for the credit reporting. I did not receive notice of the debt being sold. The FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. This account is not timely as the last reporting dates XXXX, 2019. In addition, the balance is incorrect. I request that if World Finance XXXX is going to report this account onto my consumer report then it is reporting timely, verifiable, and accurate as the FCRA states.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61761	Web
I reached out to World Finance in reference to accounts number ending in XXXX and XXXX on XXXX credit file and acct number XXXX and XXXX on the XXXX file which are the same accounts with World Finance under contract number XXXX. Per the agent is spoke with at World Finance stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
I am filing this complaint because World Acceptance/ World Finance has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. Please resolve this matter as soon as possible. Thank you!
03/25/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX XXXXX	Web
This is the 2nd official complaint against XXXX XXXX XXXX regarding their inaccurate reporting to the credit reporting agencies. I have been dealing with this since XX/XX/XXXX Because I filed a complaint through CFPB and the State of Texas Attorney General 's office XXXX XXXX XXXX is not only incorrectly reporting to the credit reporting agencies incorrect information but they are purposely reporting different information and running my credit report ( s ) multiple [ al times causing financial harm. Original CFPB complaint # XXXX - XX/XX/XXXX
08/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29611	Web
I have reached out to XXXX XXXX XXXX about account XXXX opened XX/XX/XXXX for the amount of {$300.00} with a current reported balance of {$480.00}. I contacted them in writing on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX about this account being a fraudulent account. I sent a copy of my police report, Identity theft affidavit along with copies of my license, and social security card. I have not received any documents or any correspondence back form this company. This is in direct violation to the Fair Credit Reporting act.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 293XX	Web
This company is in violation of FCRA. I've called their business numerous times, left voicemails and been hung up on. They are reporting on my credit reports under two different names for 1 loan at 1 company. Because they DBA more than one name or have subsidiary companies they feel it is okay to report a loan more than once under each name. I had 1 loan paid off and isn't reporting, then I had a loan that was charged off. It is the charged off loan they are reporting with both company names. The loan was paid to the collection company already.
04/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63122	Web
File # XXXX, World Finance XXXX I have written and requested proof of this debt and nothing has been provided, this was done several times over 1 year ago, 6 months ago, 3 months ago. It is illegal to keep reporting this debt on my credit report and not provide the appropriate information. I want this removed from all credit reports XXXX, XXXX, XXXX. I will be checking my credit reports and also any secondary reporting that has been made. I have given more then enough time to have them resolve it but it is effecting my ability to do anything.
03/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. World Finance XXXX won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. XXXX is instrumental in Continuing to Report inaccurate information XXXX XXXX XXXX NON RESPONSE XXXX NON RESPONSE WORLD FINANCE NON RESPONSE
10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29617	Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 293XX	Web
This company is reporting two loans on my credit reports when in fact it should only be one loan. They are reporting the same loan twice because they transferred my loan to another location when one closed. This now looks as those I had two loans with them that charged off. They are violating my FCRA. I even spoke with an agent who verified the account reporting is for the same One loan. I have made several attempts for them to update my credit reports removing the one loan and to report accurate account information which they refuse to do.
03/24/2018	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 61554	Web
A personal loan was taken out with XXXX XXXX. After being unable to pay and informing them of this. They constantly called my work, friends and family and of course myself. I notified them with via phone to stop contacting my friends family work and myself and they continued. I finally sent a certified return receipt requested cease and desist letter. The phone calls continued. I have contacted a bankruptcy attorney to file bankruptcy this only made XXXX more upset. I need her to stop this repeated behavior of harassment and intimidation.
03/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 64083	Web
I did not agree to the terms they have now added I was suppose to pay {$170.00} for 15 payments and I have been paying this bill since XXXX or XXXX it was right when COVID-19 1st hit I have asked they to STOP reporting inaccurate info on my credit report but they have not and now they are taking me to court I do not owe them anything and I want my report fixed they had a alleged documents that looks like a copy and paste of my signature. I owe them nothing and wish for the collections to cease and my credit report updated immediately.
11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30092	Web
World Finance is reporting an erroneous account on my XXXX Credit Report that is a different account number from my XXXX and XXXX accounts. There are two different accounts listed on my XXXX credit report from this company ; one is XXXX, and the other, correct account that matches my other two credit reports is XXXX. I've only had one account with this company. I previously disputed this account and it was removed from my XXXX and XXXX credit reports, but it still remains on my XXXX credit report and is damaging my credit rating.
10/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/23. I have asked them for the contract that was signed with my wet ink signature and the billing statement and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.
11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75287	Web
I had a loan with Midwestern Financial several years ago. I didn't pay it and it went to collection. I paid the collection item in full back in XXXX of this year to the third party collectors. As a matter of fact they drug their feet on updating the reporting and CFPB got involved and solved it. I can't remeber the name of the third party company. I think it was XXXX XXXX in California. So I paid it XX/XX/2020 and then today Midwestern reports an unpaid collection for XXXX on my XXXX. please help me. I need it completely removed.
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 Their investigation did not fix an error on your report	TX 79938	Web
I Disputed these innacuracies with company and my issue was not fixed company is reporting multiple innacuracies on this closed account payment history and balances is different across all bureaus i requested proof of account payments being late to no response instead company updated my credit report with more late payments with no proof I am requesting for this trade line to be removed from my credit report for failure to accurately report I have attached how account history is being reported across all bureaus thank you.
04/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 62702	Web	Servicemember
I have a loan account with world finance. We have been trying to make arrangements. But I have been told I have one week to make a payment. I haven't worked in a month I do receive XXXX benefits but it only {$530.00}. Just enough to pay my bills and rent. If they take their money from my account I won't be able to pay my rent. I'm trying to sign up for unemployment with no luck, I haven't received my stimulus check. I don't have any money at this time and with the stay at home order. What can I do am asking for more time.
08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73505	Web
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77083	Web
XXXX XXXX amount owed XXXX, i have call XXXX XXXX repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
On XX/XX/2022 World Acceptance Corporation has replied to my complaints and stated that World has searched our records using the name and address provided, but we were unable to verify with certainty the specific account or account holder. This account is still hurting my credit and if you can't find or verify the debt as I asked previously, Please delete this account of my CONSUMER REPORT. I demand XXXX to removed this account off my CONSUMER REPORT. THIS ACCOUNT IS ONLY REPORTING ON MY XXXX AND NEED TO BE REMOVED.
09/18/2023	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	SC 29406	Web
XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX XXXX XXXX XXXX Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector WORLD FINANCE CORPORATION Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64012	Web
Due to lack of response from these companies, I am filing this complaint to WORLD FINANCE CORPORATION, and XXXX. They have 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
11/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 318XX	Web
This account is charged off. I have been trying to pay this account as I can. That being said this charged off account that isn't supposed to have any new charges has continually increased outside the length of my loan contract and/or maturity date. The charge off is damaging enough as it is. I have been issued no statement explaining these charges that's beyond the length of my loan contract, I have requested copy of my loan contract and it was never sent. I was able to login to make payments but now I can't
09/04/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33771	Web
WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC-XXXX XXXX could n't pay the loan ... and then years later got back on my feet ... was homeless after 11 year relationship passed away ... made my life not worth living for and to boot the workers bothering me over the phone XXXX you going to have the money and coming to my house and just dissing me anyay they can ... going to put me in jail ... my life will end ... of course i did n't want to go back there had enough issues weith the past death ... was my soul mate ...
11/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35244	Web
Due to the XXXX XXXX, I have been sick a few times and miss work because of it. I have fallen a month behind on my loan and told the company that I will always be a month behind and I'm still making payments. I don't have the extra to catch up the outstanding balance to bring it current. I told them that and they won't defer my miss payment and will call me to get it brought up current. I'm tired explaining to them that I don't have the extra funds to bring it current and want to recognize cease and desist.
03/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 605XX	Web
XXXX of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.
07/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73160	Web
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30312	Web
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. I demand that World Finance delete this account immediately and not ever repost it on my consumer report. Loan XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
03/29/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37923	Web
This had been the worst year of my life financially. My fiance was in a XXXX and even when he recovered needed extra assistance and time before he could go back to work. I have been paying world finance for years foolishly refinancing a personal loan. I have almost paid them off - I owe a total balance of just {$260.00} and am 10 days late on my payment. They get paid every single month but this month they have decided to take to harassing my friends family and former employer and it needs to stop.
10/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 639XX	Web	Older American
I did have a loan with World Financial, but was paid in full by the XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( loan was at the branch office in XXXX Missouri ), never took another one out from them, Have disputed it many times on XXXX XXXX, but they keep saying it was mine and and have even asked for copies on signed note which they have never showed me ( i am sure that it might of been taken out by my " '' EX " '' wife ) the amount is for {$750.00} and is showing taken out " '' AFTER " '' my devoice
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	RI 029XX	Web
Personal Credit Plan is reporting inaccurate information to XXXX. I contacted them and they claim XXXX has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on XXXX. XXXX online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks
10/16/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	GA 30340	Web
XX/XX/XXXX - Request credit bureau investigation - not my account XX/XX/XXXX - received completed credit bureau investigation report - stating that it does belong to me and if I have questions contact : XXXX XXXX, XXXX XXXX XXXX, XXXX SC XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX - left several messages ( no live representative to speak with ) ... This is hurting my credit score and credit worthiness - what do i need to do to get this frivolous account removed from XXXX, XXXX and XXXX credit bureaus!
04/02/2020	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	OK 730XX	Web
My charge off account from 2013, has been listed on my credit report multiple times, the company World Acceptance, Wfc, World Accep, is the same company but they report they transferred it only to add a charge off again and lower my score. I have disputed this account with the credit bureaus and World acceptance has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29445	Web
I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports
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 Their investigation did not fix an error on your report	AL 366XX	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38125	Web
World Finance is reporting account # XXXX on my credit report as 119 days past due and also as a charge off. It can't possibly be both. There are also incorrect dates posted, and the balance is XXXX so I'm not sure how they could be reporting it as past due. They are guilty of several violations including, FDCPA 807 false and misleading representation, 809 validation, Fair Debt Credit Act Law 111-203 title X124 Stat 2092, Fcra 15 usc 1681b accuracy of reporting, False Claim Act 31 usc 3729-3733
10/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39532	Web
Read the attached complaint document for the full description. Your company has dishonored this agreement by charging me in an excess of the maximum APR yield percentage allowed by the state of Mississippi. I have tried to contact and dispute this with your XXXX XXXX XXXX, XXXX and I have not received a response from your company yet. Your company has been reporting information to the consumer reporting agencies without my permission and violating the law about reporting negative information.
06/12/2015	No	Consumer Loan Installment loan	Taking out the loan or lease	TX 75092	Web
Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew
05/16/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NM 883XX	Web
When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and dont know mothers maden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP
04/04/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 290XX	Web
Derogatory Account : WORLD FINANCE CORPORATION XX/XX/2021 CLOSED/ CHARGE OFF ACCOUNT First amount {$870.00} Second amount {$780.00} This account has affected me drastically resulting in falsely being on my credit report that has not been made nor verified that I have such account with this company unless I am shown proof of my identity and verification with this company I have been demanding for the past several months this account be removed from my credit report causing stressful measures.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29420	Web
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
02/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 78572	Web
Company gives you the impression youre getting an unsecured personal loan when in reality is a secured loan, secured by fictitious goods made-up by the underwriter. Without your consent they add collateral items such as electronics to the contract that you have never told them you own, they do all this without consulting you and rush to sign the documents and tell you nothing about what theyre doing. It wasnt until after I signed that I read my contract in full and found this information.
09/22/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 787XX	Web
Beginning in XX/XX/XXXX I sent in a debt verification letter to XXXX XXXX. The information was provided in a timely manner and they were told to delete it from my credit report. The collection agency deleted the info but the original creditor did not. On XX/XX/XXXX I sent in a new round of disputes to XXXX XXXX XXXX And to no avail it is still on my credit report. The account keeps coming back verified. Requested the method of verification and have not been sent anything as of this date.
10/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	SC 29526	Web
I took out a XXXX $ personal loan that was to be paid back in XXXX payments of XXXX XXXX I paid the XXXX payments and the next month after my last payment they called saying that I owed them another payment which I did not. Payment history reflects the XXXX payments as well. It's has continued to be reported on my credit and there is late charges of XXXX $ on a payment that I did not owe. Even though the account has been closed for years they still keep increasing the " late charges ''.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77034	Web
On XX/XX/2020 I send World Finance a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with XXXX XXXXXXXX XXXX and XXXX. I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX
11/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 376XX	Web
I knew i was late, i called and talked to a girl there, she first started telling me in a very loud voice about not having a grace period which i replied I know and i always pay the later fees. I also told her to inform XXXX to quit calling me at work, and that I ca n't always answer my cell phone at work but I do call them back. XXXX has repeatedly called at my work leaving messages on the company voice mail. He even left XXXX on a Saturday when he was told again not to call here.
12/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93551	Web	Servicemember
The company that I'm complaining about is called world finance on one credit report they are listed as world finance and on another they are listed as XXXX personal credit plan. they list multiple dates and show it multiple times on my credit report all with different dates. this debt is more than seven years old and should be removed from my credit report but they keep changing all the dates. I have disputed this numerous times with XXXX XXXX and other credit reporting agencies.
07/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40504	Web
On XX/XX/XXXX I opended an installment loan with WFC, after several months of making on time payments, I lost my job and fell behind. On XX/XX/XXXX a {$590.00} payment was made, then I fell behind again and the account went into a charged off. WFC continues to report charged off balance of {$780.00}, but the past due amount is increased each month? I do not understand how this is possible, to raise the amount I need to pay to fix this each month and report it on my credit file.
03/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78660	Web
I had some issues with my car and had to put {$2000.00} down on a new one. Causing me to be behind on Bill 's. I contacted World finance and said I would make the payment as soon as I could. They continue to call everyday to my references and work place and even told my references that I was behind on my payments. They violated my privacy and have caused issues at my work. XXXX at world finance in XXXX texas has been out of hand. And i refuse to contact them because of it.
03/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 618XX	Web
I received an email from world finance stating that if I paid {$890.00} by XXXX this account would be settled. As of today XX/XX/23 on my credit report this account is not listed as settled and it says its past due {$890.00}. Thats not what the email I got from world finance stated or what the representative that took my payment said. I want my money back or this account listed as paid in full with a {$0.00} balance. This company lied to me and took my money. Thats fraud.
05/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Older American
Back in XX/XX/XXXX Me and my wife had a chapter XXXX Discharge due to completion. In XXXX of XXXX I noticed our bankruptcy trustee was paying a creditor that originally was omitted back at the start of the bankruptcy in XX/XX/XXXX. In XXXX I told my lawyer about this and they said it was to late to do anything about it. So at post discharge I wrote a letter to the company and then another without a reply. I asked them to return the payments that were made by the trustee.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75227	Web
I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record
01/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 650XX	Web
Got a letter to cure debt. They did not include any information required by FDCPA. Numerous calls a day 5+ most days. Claims they sent letters which I never received and they cant prove they sent them. When I renewed my loan they didnt give me chance to renew collateral new loan should include new collateral and I believe they forged my initials on the collateral sheet on XX/XX/19. Willing to work with them if they give me til end of XXXX to get caught up or pay in full
08/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 373XX	Web
This company has come to my work and discussed my loan in front of the other employees at my work place They have called my work place and asked if I have discussed my business with my employee I have tried to make a payment and they refused because it was not the full amount I have discussed a complaint with their District manager and still continue to contact my place of employment and not just to have me call Its an everyday thing so there are not dates just to give
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39503	Web
My XXXX credit report has XXXX XXXX XXXX collection agency on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX, and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 290XX	Web
XXXX. XXXX XXXXXXXX XXXX XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen 2. World Finance January XXXX XXXX This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise 3. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web
Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes. I have reached via letter several times to rectify these issues, but have not received any valid updates.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	OK 747XX	Web
World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. Thank you, XXXX XXXX
10/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85023	Web
XXXX XXXX has submitted the incorrect information to the credit bureau 's. They claim and are reporting an amount that I believe is incorrect, and completely false. I have written a letter to them requesting that this information be verified as I dispute this information ; however they did not mark the account disputed on my credit file within the 30 time frame required by law, nor have they responded to my previous efforts to communicate with them in writing.
11/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60505	Web
World Finance is a third party debt collector that is reporting negatively on my credit file since XX/XX/2019. I have never done business with this company and this negative mark is harming my reputation. I asked the company to validate this debt pursuant to 15 USC 1692g, sent an affidavit of truth and have not received any reply or correspondence. This company has committed identity theft against me. You shall delete this negative mark off my credit file.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42104	Web
I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and world finance is blocking me to prevent me from disputing these accounts.
09/30/2019	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	TN 37205	Web	Servicemember
This World Finace account was closed in XX/XX/XXXX and charged off ... .put on my credit report as a derogatory account ... And now in XX/XX/XXXX World Finance is suing me in court for full payment of the loan. This is fraud and deception at the highest level. TN allows this abuse on working class citizens and IT IS WRONG!!!!! WORLD Finance abuses the Financial institutions credit rules with extremely high interest rates and unethical payment strategies.
08/30/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web
I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.
03/22/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30606	Web
As of XX/XX/2018 I have contacted World Finance Corporation regarding a former loan with their company that was in my name, but was discharged under Chapter XXXX bankruptcy last year. This company is still reporting a past due balance to one bureau, and late payments after the bankruptcy was discharged to another. I have mailed certified mail, called, and mailed a second letter by certified mail today XX/XX/2018 to their office in XXXX, SC.
05/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web
I am filing this complaint because WORLD FIN CO 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
10/01/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29611	Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31525	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 359XX	Web
In accordance with the fair credit Reporting act, World Acceptance Corporation has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89145	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on WORLD FIN XXXX Balance Owed : {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
06/11/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33467	Web
World Finance Corporation This company has stated that I last made a payment in XXXX of XXXX which is incorrect the last payment they received was in XX/XX/XXXX. They are reporting fasley to both XXXX and XXXX. I need a debt validation showing a payment was made they are also reporting to all bureaus each month. Which is hurting my credit. I have sent this company several letters and have asked them to stop reporting false information.
05/02/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	SC 297XX	Web
I have hard inquiry that need to be removed. I have XXXX XXXX XXXX and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 372XX	Web
XXXX n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/06/2023	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	FL 33634	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75159	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37087	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 1 5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/03/2017	Yes	Payday loan	Payment to acct not credited	GA 30120	Web
I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing
03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 386XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30030	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the 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 USC 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.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30236	Web
In accordance with the fair credit reporting act World Finance 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 I also state a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : a creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
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	AL XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 463XX	Web
In accordance with The Fair Credit Reporting Act XXXX XXXX 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 State a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 317XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	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.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A 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 account under an open end consumer credit plan as late for any purpose.
12/05/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29650	Web
World Finance company added a invalid charge off to my account. It states that I owe them a balance of {$470.00}. And my last payment was XX/XX/XXXX. I never made a payment to them and i never open this account. I had a charge off with them and {$260.00} was remaining. Below is the attached from that.And that account was in XXXX. Why are two balances reporting to My credit report? Please delete this inaccurate information
06/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76132	Web
On XX/XX/2020, a dispute letter was sent to World finance certified to verified the validity of the debt that is being reported om all three of my credit reports, I do not have any business with this company. I filed a police report which was sent as well. On XX/XX/2020 my credit report was updated where my balance had increased, I did not receive any information that I had requested instead they reported a higher balance.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70663	Web
In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21216	Web
XXXX has been non-compliant with removing the unverified account WORLD FINANCE CO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WORLD FINANCE CO 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.
12/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 75067	Web
In accordance with the fair credit Reporting act XXXXXXXX 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 a so 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 en open end consumer credit plan as late payments
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29229	Web
I filed a investigation with XXXX, XXXX, and XXXX about my account with World Finance account ending in XXXX. As well as XXXX XXXX, XXXX. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. How can it be a charge off account and report with a balance.
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 754XX	Web
XXXX has been non-compliant with removing the unverified account XXXX 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.
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 622XX	Web
This is the second complaint I filed against World finance Company this was from a loan back in XXXX that was closed in XXXX then World finance sold it to another part of their company and then re-opened the account XXXX years later in XX/XX/XXXX and lied and said I made a payment which I sure did not it is a bold face lie I reached out to the company but they were unresponsive and rude this is my only option left
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	SC 29607	Web
I have reached out to All three companies to resolve the issue. My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -World Acceptance corpora XXXX XXXX XXXX XXXX
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53713	Web
World finance sold the account back in XXXX and charged it off as a lose. They stopped reporting on it and then suddenly in XXXX decided to start reporting again and raised a {$520.00} balance to over {$3000.00} when I brought this to their attention and told then they could not do this and they could not longer report to my credit as they had sold the account they ignored me and continued to report on my credit.
12/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 37615	Web
World finance in XXXX Tennessee her name is XXXX she opened my loan up used my checking account information to pay another loan off. She then paid my loan off after it being. Open for 1 day and the. Ask if I wanted another loan I told her no she stole XXXX outta my checking acct and I still haven't got it back. That company is into fraud badly and needs to be investigated by a professional with law enforcement.
09/05/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75180	Web
an unauthorized payment was deducted from my account without my permission or acknowledgement, this caused additional overdraft fees on my checking account. there was no post dated payment set up or permission to process on that date amount was XXXX there was no contact from world finance or indication that payment would be processed ..there was no info on loan docs that they could submit transactions at will
11/06/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77070	Web
I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over XXXX $
11/06/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77070	Web
I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over XXXX $
07/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30097	Web
This account was charged off on my credit reports. The creditor reduced the balance to XXXX. That's what is reporting to the bureaus. Now they filed a lawsuit in the magistrate court. The date of the summons is XX/XX/2023. The paper was taped to my front door at home on XX/XX/2023. 30 days have passed to respond to this report. Service was not proper. I am asking the debt collector to withdraw the lawsuit.
07/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60563	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : WFC Account Number : XXXX
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40403	Web
In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
11/06/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 314XX	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. WORLD FINANCE CORPORAT is currently showing 30 days late for the month of XX/XX/XXXX and 90 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
03/27/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AL 355XX	Web
World finance co # XXXX XXXX XXXX XXXX XXXX, SC XXXX. To whom it may concern this company has filed a collection on my credit report for an inaccurate amount. This company has also placed numerous negative marks on my credit report. An hopes to resolve this issue I dispute the collection due to amount inaccurate an asked to be provided something in writing explaining and showing proof of this debt.
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30016	Web
This company has been contacting me for a debt I do not owe, this account is not mine, I have disputed the account multiple times. They are reporting XXXX different amounts, they are stating i owe, {$220.00}, {$300.00}, {$310.00} and {$360.00}. I have never opened an account with this company and would like this account removed from my credit reports this is a violation of Fair Credit Reporting Act
11/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37129	Web	Servicemember
over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.
08/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 300XX	Web
Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.
07/12/2016	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	OK 741XX	Web
World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 402XX	Web
They are reporting this as a write off but I ever received a XXXX forum when I called to request form they advised theta now they sold the debt to spring oak capital on XX/XX/23 and that they can give me anything because its no longer theres but if it was was wrote off then how can they sell the debt if its wrote off I ask that this be removed off of my credit report completely for inaccuracies.
07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA XXXXX	Web	Older American
i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31419	Web
On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( World finance Company ) due to inaccurate information to XXXX, XXXX, and XXXXI received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.
11/24/2022	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	AL 35803	Web
Good day, XXXX states I have made 2 Payments Beginning XXXX, 2019. They also state The date of first delinquency is listed as XX/XX/2019. I disagree. This would mean the date of first delinquency would be XX/XX/2019 instead of reported XX/XX/2019. This information reported to the Agencies is incorrect delaying the correct month and year this account would fall from my consumer report.
06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 221XX	Web	Servicemember
I have two accounts that are reporting twice each. I originally had an account with World Finance and Peoples Finance both in XXXX SC. Eventually one bought the other company so the account is on my credit report four times. It was sold to XXXX XXXX XXXX XXXX. I settled the two accounts and had it removed under the " World Finance '' umbrella but its still reporting under Peoples Finance.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY XXXXX	Web
This was an old loan and was paid and closed in full back in 2013. I did have issues with the balance and paid the payments biweekly until paid and then closed. I had to dispute this a long time ago and the last credit report that I had did not list that on there so this just popped back up. It has already been paid, closed, disputed, removed and now it's returned back on there again.
06/30/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29169	Web
I pay world finance on XXXX XXXX XXXX. in XXXX, South Carolina {$140.00} every month but this month I was only able to pay XXXX plan on catching up in XXXX weeks but they are making me Pt Phone called. They called XXXX times within XXXX minutes. That is on my phone log. And I told him to stop calling repeatedly and they told me that until I pay the full Ville that they would call me.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either
04/02/2016	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30253	Web	Servicemember
This account was paid in full, but world finance has submitted information to the credit bureau that I owe {$3100.00} but, the loan was for {$610.00} and I was taken to court for XXXX. The XXXX has been paid in full and I have attached the documents to prove it. I did receive a receipt for my last payment. Now world finance is submitting fraudulent information to the credit bureaus.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30046	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The WORLD FINANCE CORPORATIO account is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Bureaus. Lets review this now. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
12/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	LA 70805	Web	Servicemember
I have a bonded contract with world finance and the contract states that if you XXXX XXXX XXXX XXXX XXXX your insurance will cover the payments. They stated I must fill out some paperwork on a recorded line I stated that I was demobilized and that they would mail the forms to me. Never retrieved them so instead they report late payments and now charged off the account as bad debt.
05/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 759XX	Web
World Finance In XXXX Texas Has Been Calling and Harassing My Ex Wife For The Past Six Months And Called And Harassed Her Again Yesterday And Ive Got One Payment left and thats XX/XX/2020 and It Will Be Paid In Full. Ive Called Them Numerous and Ask them to Stop And They Told Me They Could Do Whatever They Wanted to Do. So I want To File A Complaint On World Finance In XXXX Texas.
04/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 317XX	Web
On XX/XX/2023 I reached out to XXXX XXXX XXXX to settle a collection. I then ask for verification of this account and the company could not provided me with proof of this account being mine. Also the address is not up to date and I never agreed to anything with this company. They have me owing XXXX I would like this account removed from my credit profile from all three Bureaus.
10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 393XX	Web
World Finance continues to attempt to collect an alleged debt. World has not provided the documentary evidence requested. World Finance continues to furnished this alleged debt to consumer reporting agencies. World has caused me emotional distress. World Finance continues to mislead and misrepresent. Why wasnt I informed of the right to rescind the consumer credit transaction?
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me.
05/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31313	Web
In accordance with the Fair Credit Reporting Act the below account has violated my federally protected rights to consumer privacy and confidentiality under 15 USC 1681 : XXXX XXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
03/22/2015	Yes	Payday loan	Received a loan I didn't apply for	NE 683XX	Web
My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
08/09/2023	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	MD 21122	Web
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 74012	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.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	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.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77545	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.
11/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	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.
07/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 750XX	Web	Older American
The company, World Finance Corporation, reported to the credit bureau that I owed {$1500.00} and past due, in the same report as {$990.00}. This information is incorrect. When I went to pay, they made me pay the balance of {$1500.00} instead of {$990.00}, I paid the full amount of {$1500.00} to clean up my credit. This, in my opinion was an extortion to fix my credit.
12/06/2022	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	AL 359XX	Web
I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence. There is inaccurate information reporting on my credit report by this company every month. There has not been any activity with this account since XXXX yet they are still reporting inaccurate information. They are also having debt collectors harass me.
06/20/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	AL 350XX	Web
World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.
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	TX 778XX	Web
Inquiries I did not authorize XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX XXXXXXXX XXXX on XXXX Is not mine XXXX XXXX on XXXX. Not mine. I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 366XX	Web
To whom it may concern, I am writing to delete the following information in my file : WORLD FINANCE XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web
This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/2022 and they are reporting it as closed and charge-off. They have continued to report it as a charge off every month but they won't respond back when I send letters asking for a response of proof.
11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web
In accordance with the fair credit reporting act the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, World Finance has violated my rights. 15 U.S.C.1681 Sect 602 A States I have the right to privacy. 15 U.S.C. 1681 Sect 604 A section 2 States it also states a consumer reporting agency can not furnish a account without my written instructions
02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70802	Web
I have 3 late payments on my report I have talked with several representative and even supervisors about this I was in the hospital do to XXXX and was not able to work I asked what can I do because I wasnt able to work for at least a month the creditor told me the computer does everything I told them its stopped me from getting a house and moving on with my life
04/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29420	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX They are reporting the same account twice to each of the three credit bureaus making it look like I have more charged off accounts than I actually do. I've already attempted to dispute this and XXXX XXXX has yet to correct their reporting. I want this fixed on my XXXX, XXXX, and XXXX credit reports ASAP.
08/06/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37207	Web
The loan was for XXXX and I was paying on time and I had job loss of hours and I let them know I could pay at least XXXX dollars every week they wouldn't accept it and put it on my credit report at first it was XXXX and since the loan was made in XXXX has now went up to almost a XXXX XXXX dollars in its placed on my credit report as a charge off and collection
11/09/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	OR 97502	Web
World Finance Corporation issued {$1900.00}. using my social security number to pay someone a loan. They are reporting this uncollected balance on my credit report while it isn't my account. I only found this error when I noticed my credit score declining. World Finance Company hasn't reached out to me, and allowed someone to use my credit very very loosely.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 368XX	Web
World Finance is reporting a PAID account on my report incorrectly. The account is NOT being reported that it is paid on my XXXX and XXXX reports. This is NOT fair to me. I paid the account earlier this year. The company has had plenty of time to report that the account is paid, but they have not changed the account status to paid. This is against the law.
12/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46236	Web
I previously submitted a complaint through this site and received a response both online and via mail. Yet I still receive phone calls NUMEROUS times nearly daily. They have now transitioned to calling me from new phone numbers and harassing me despite my attempts to have them stop. If this isn't stopped, I will be taking legal action to stop the harassment.
09/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
This account appeared on my credit report today. I have never had a loan with this company and have never done any business with them. I was never contacted by them or mailed any correspondence. With no interaction or communication whatsoever this account appeared on my credit report showing it was from 2016. This is not my account. I want this removed ASAP
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63119	Web
XXXX Refuse to update my Credit file to XXXX XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX XXXX they stated we receive but will not update also World Finance will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31405	Web
I have been disputing them for a very long time I have been requesting a copy of the contract, showing proof that this is my debt and I have not received anything. All they keep doing is changing the remarks back-and-forth, and now it is saying Im paid on it, which I a lie.this is not my account! they have been removed from XXXX. and not XXXX XXXX or XXXX.
08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30311	Web
I was shocked when I reviewed my credit report and found inaccurate items. Creditor : WORLD FINANCE CO ACCt # : XXXX I do not have a debt with World Finance Co and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
08/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY XXXXX	Web
WFC has extended the 7 year statute of limitations by reporting a charge off period from 11 to 14 months, depending on which bureau it is. The FCRA states it should be a 6 month time period. This illegal action has made the charged off account even more negative by increasing the SOL by 6-7 months. I have requested this issue be fixed numerous times.
03/24/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.
03/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73170	Web
XX/XX/2019 : repeated calls to employer ; harassment to colleague. A representative from World Acceptance, XXXX, INCESSANTLY phones my place of employment ; it is a place of business, not my personal cellphone. I have repeatedly explained the dire nature of my finances, and a promised payment to no such avail. They harass me at work every single day.
02/10/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30310	Web
On XX/XX/2021 I called to try and get in contact to speak with someone from world finance to see what payment plan I could do or see what they could do about it but no one picked up the phone or returned my phone call. I would like for them to remove the negative reports off my credit because Im not able to get an apartment in my name because of it.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	PA 15205	Web
World Finance believes in treating all customers with respect and transparency from their commitment to comply with applocable federal, local, or laws. There's no World Finance Branch in any vicinity nearest the XXXX XXXX region for me to request those records from being lost in history. A loan was repaid on my car without being added to my credit.
01/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75238	Web
I have an old account with World Finance and fell behind on payments due to the fact that I'm not XXXX and on a fixed income. I submitted a settlement offer based on what I could pay to settle the account. World Finance didn't respond to my offer and they continue to place additional fees and costs each month, which isn't right and in good faith.
11/28/2023	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	KY 417XX	Web
XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. I am submitting indictment court issued documents.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account
11/14/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46360	Web
Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.
03/06/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29360	Web
THIS CREDITOR IS REPORTING ON MY CREDIT REPORT I HAD A LOAN FROM THEM IN XXXX SC LOCATION. I HAVE NEVER HAD ACCOUNT IN XXXX SC. I ALSO DISPUTED THIS DEBT AND THEY FAIL TO REPORT IT AS DISPUTED TO CREDIT BUREAUS AND REPORTING INACCURATE INFORMATION WHICH IS AGAINST THE LAW. ACCORD TO FCRA SECTION XXXX. THEY HAVE NOT VALIDATED THIS DEBT!!
10/05/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IN 46360	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.
09/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NJ 08619	Web
" Agent '' XXXX XXXX called me at work and threatened to seize all of my assets and remove money from my bank account and If i would not give out my bank information then I needed to retain an attorney, The decision needed to be made today that would impact my life and if I did n't act fast they he would make sure I would be bankrupt.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 547XX	Web
I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.
08/01/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77471	Web
Try calling the company but no one could help me or did not know what this was for. All the call I made, i asked to speak to someone but the person on the other line could not help me or find anything under my name. number I called was XXXX. Please help me trying to clear this from my account. Credit line. Thank you, XXXX XXXX
08/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75189	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2014 60 days late in XX/XX/2014 60 days late in XX/XX/2014 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
01/06/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web
On XX/XX/2020 World Finance Corporation falsely reported a fraudulent account that was obtained illegally using my social. I have reach out to the company numerous times to delete the negative account, but nothing was done. I also sent them a copy of a police report stating that my identity was being used without my consent.
04/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	SC 29360	Web
- In accordance with fair credit reporting act XXXX XXXX - XXXX. Account number : XXXX - Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.
03/03/2018	No	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77093	Web
I attempted to apply for a loan with XXXX XXXX. But I declined and advised the representative that I was not interested. Several days later, I received an alert that a credit inquiry was made by XXXX XXXX. I did not authorize my credit report to be accessed, because I did not want to move forward with applying for the loan.
05/20/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 78574	Web
i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job
01/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 351XX	Web	Servicemember
Hello! I have struggling to pay the installment loan off but, it keeps going up hirer ( balance ). I'm recently been added 29 % interest to loan. Also, they just now started charging XXXX for late fees. This is apart of our original loan agreement! With interest extra and late fees how will I ever get loan paid? Thank you
09/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AR 72758	Web
I had requested an extension on monthly payment For world finance in XXXX Missouri and signed a paper for a 3 month extension. About a month later I got a call from them asking for payment. I told them that I was aware of an extension until later and they said it was only a months extension and requested immediate payment
12/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 73135	Web
Today at XXXX i received at call from XXXX at XXXX XXXX in XXXX XXXX she asked for my full name and i never authoized for them to call work on contract. She told me if don't make payment today then she will have to go legal on me if i didn't come in office, So i'm requesting the loan be paid off and company get Fined )
08/25/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	GA 31794	Web
TOOK A XXXX LOAN OUT MADE A FEW PAYMENTS BUT I LOST MY JOB, MY HOME, MY CAR. I COULD NOT AFFORD THE PAYMENT. I TOLD COLONIAL FINANCE IN XXXX I COULD NOT. THEY CALL MY CELL AND WORK EVERYDAY. MAIL LETTERS, COME TO MY HOME. AND NOW STALKING ME AT GAS STATIONS. I CRIED AS SOON AS I GOT INTO MY CAR OUT OF EMBARRASSMENT.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
Debt thats been on there for years need to be removed that i know longer take accountability for. From XXXX. Several accounts has been closed and late payments thats been sitting there over the years that I know longer have. Debts being on my credit reports that I didnt even get a verification/ notification about.
06/26/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 38116	Web
a representative from World Finance called my mother, a reference on my application and told her the total amount owed, the amount thats past due, the payment that needed to be made, how many months I was past due and told her I havent made a payment in XXXX months. This was illegal and never should have happened.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 625XX	Web	Servicemember
someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and XXXX this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
08/12/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30093	Web
I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
02/11/2019	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29406	Web
I am unaware of this account being opened on XX/XX/, 2013. It is showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
11/05/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 647XX	Web
I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31907	Web
Im accordance with the fair credit reporting act XXXX account XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
06/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44124	Web	Servicemember
Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.
01/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75165	Web
I was shocked when reviewing my credit report and found late payment 's on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60563	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
04/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Information belongs to someone else	IN 46201	Web
I received a title loan with another party because it was her car. I paid the loan amount and she took out another one and refused to pay it back I tried explaining to the company but instead of going after the person I was who owned and requested the loan they keep adding it to me and my credit report
08/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 78634	Web
World Finance keeps reaging this account and fraudulently increasing the balance on a charged off account. Due to the reaging and increase in balance the information being reported is inaccurate as well as fraudulent since this account has been written off. My FDCPA and FCRA rights have been violated
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77494	Web
Never received verification of product-XXXX Never received verification on how it verified XXXX never rec 'd verification of wet document XXXX I have not rec 'd the accuracy of the record. IT continue to come back verified, but they replied they have no info on the problem. I'm trying to buy house.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36575	Web
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX acct XXXX has violated my rights
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63119	Web
XXXX XXXX XXXX i only have one acct with world finance Acct XXXX the company is reporting 2 accts on my credit profile on XXXX and XXXX and also XXXX the other occt # XXXX they have the same open date close date amount spoke with the company they stated the original office close so why report twice
10/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 717XX	Web
I called said company XX/XX/XXXX about an unpaid balance on a loans I received as far back as XXXX. These loans were paid ahead of complete due dates in which the loan company verified, but the loan balances still show on my credit reports as unpaid. The company is : World Finance , Inc. XXXX, La.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63119	Web
World Finance receive the Court documents that this was discharge and they are still reporting charge off on my experian report i disputed this acct multi times and provided document i even ask for proof of acct and nothing i provided my documents and i spoken to both the creditor and wold finance
08/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40403	Web
I opened this loan in XXXX XXXX, KY XX/XX/XXXX. I lost my job XX/XX/XXXX and could not make the payments. Can WFC really report a 17 month charge off period with 120 day late payments? But the major issue is the past due amount increases from $ 50-75 dollars each month it is reported on my credit.
10/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37803	Web
I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.
10/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	SC 292XX	Web
I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}
09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30120	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AL 36117	Web
XXXX I have World Finance on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. World Finance keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
01/08/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 37066	Web
On numerous occasions privacy laws were broken. World finance in XXXX tennessee called numerous family members threatening a warrant for my arrest if i didnt make a payment. Permission was never given for the company to tell anyone aboit my loan and to harrass ans threaten me over the phone.
07/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30265	Web
I fell on hard times due to the economys up and down drifts and world finance closed my account. Which is a charge off on my credit report. I would like to work out a payment plan and to have them re open it or atleast not have it as a charge off so I can start paying it down in increments
10/02/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AR 724XX	Web
World Finance XXXX did a loan for me. I was behind on it so I had them do my taxes for 2019 and upon the check coming to their office and me going INTO the office to sign my check and cash ot the printed me a check minus the amount I owed them! Therefore, this debt has been paid off 100 %
11/10/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IN 47909	Web
They are reporting a false balance. They are actually reporting two different balances and also are reporting 30 days late on a charged off account to all 3 credit bureaus. This is a violation of the fdcpa. They are reporting {$540.00} and or a balance of {$710.00}. How is this possible.
01/08/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TX 75056	Web
I had pulled a loan from World Finance almost 2 years ago for {$200.00}, paid off half of it, only for it to not decrease ANY while making the full payments requested. Since then, i have received THREATENING phone calls, along with being cussed out over {$200.00} they racked up even more
07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36608	Web
My name isXXXX XXXX and i call world finance several times trying to resolve my loan problem and they keeping telling me they have nothing to do with the loan anymore and that they sold it so they cant do nothing about anything on that loan but they still reporting negative on my credit
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75052	Web
I was reviewing my credit report and I see XXXX accounts from World Finance. The most recent one has a reference number of XXXX. The account is charged off/closed and this company does not exist! I ask that you please investigate this because it is effecting me negatively on my credit.
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76133	Web	Older American
This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 312XX	Web
I have filed 3 separate disputes with XXXX, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.
12/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 767XX	Web
Yes XXXX XXXX on XXXX XXXX XXXX in XXXX tx keeps harrasing me and my references after I told them the only contact I want from them is by mail at XXXX XXXX XXXX XXXX XXXX tx XXXX. As I am currently seeking employment to pay them back. I do not have any income to pay on this loan now.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31602	Web
I was robbed when I was working for XXXX XXXX! My Wallet was stolen and car keys! Someone opened two accounts in my name with out my knowledge and Im having a hard time getting them removed and deleted! Im trying to buy a house and its stopping me from getting the home at this time!
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77040	Web
World Finance XXXX continues to update an account as negative on my personal credit report after they have received payment and considered the account paid and closed. The have now, listed the account twice on my credit report cause unnecessary damage to my personal credit profile.
10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87121	Web
World Finance Corporation WILL NOT validate a debt they keep putting on my credit report. I am completely fed up with it and reaching out to CFPB for help. They keep submitting false information to the credit bureaus and the bureaus wont remove them from my file. Please help me
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MO 63119	Web
World Finance will not update my chapter XXXX on my acct i called spoke with Supervisors and managers they stated they will not update it on my report but i included my Creditors list with them on it and they have acknowledge the Chapter XXXX but want update it on my Credit report
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 88001	Web
World Finance is reporting a debt that is not mine. I contacted them today they could not give me any information regarding the loan. I never had a loan with this company. We are trying to close on our house XX/XX/15, hindering my ability to close. Loan number XXXX. I called XXXX
03/06/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 29640	Web
XXXX called one of my references. And disclosed when my payment was due and the amount of my loan and payment. As I understand it all they can say to a reference is please have me call. Actually quoted the loan amount and that my payment of {$86.00} and that it was Due XX/XX/19.
05/18/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92120	Web
Constantly calling me for a family members debt because they can't reach them. I've gave them the number I have for the family member and they still can't reach him after that and now they're back calling me constantly over a year. I'll talk to the multiple times both companies
09/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	AL 351XX	Web
After paying off a loan I ask to make another small loan of XXXX just to show that I can consistently pay my bill I even asked to not do no inquiries on my credit the attendant said they would not but later I find they did now negatively affecting my credit score. Pretty upset
05/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 38305	Web	Servicemember
I was off work due to an illness and I spoke with a lady about making payments and she told me it had to be paid in full. I thought I had insurance to cover when I wasn't working. Also, they reported a bad debt to credit bureau when they could've just contacted me to fix it.
12/30/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC XXXXX	Web
This company had previously been notified by myself as well as my legal representative to cease all debt collecting activities however communication continues with me as well as family members. Business also shared personal information such as balance owed with third party.
02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31906	Web
I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.
03/26/2021	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	OK 744XX	Web
They are harassing my family and friends. Even ones that I didnt list down for references. They have a good number for me but they still call excessive amounts of times and constantly call my references and friends and family. I dont know how to get the harassment to stop.
08/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30044	Web
World Finance XXXX World Finance Corporation continues to increase balance of charged off account. Per 15 U.S. Code 1692f - Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Screen shots are included.
05/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 33578	Web
I had a loan I paid years ago I requested them to validate this debt but they not respond and they put it as a charge off paid full then come back and now they have reported this account multiple time on my credit as if I havent paid or they didnt charge this account off
12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78550	Web
They continuously call even after i have spoke with them to tell them we will be in and i have ask them not to contact me at this number yet they still do. They call several times a day even if the payment is one day late. They are very rude and forcefull when they call.
05/03/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 78224	Web
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.
01/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.
12/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33578	Web
ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX.
11/23/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35806	Web
World finance company has been calling my phone Constantly over and over again and harassing me at work. I asked them not to call my job and they continue to call my job and harassed me there and continued to call my phone numerous times throughout the day and night.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web	Servicemember
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
07/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77396	Web
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.
09/12/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
09/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 757XX	Web
World finance at XXXX XXXX XXXX, XXXX Texas XXXX. I have a small personal loan with them and they call me three and four times a day. I looked it up and they are supposed to only call me seven times in a consecutive seven day period, at this point it is harassment.
11/22/2021	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 Investigation took more than 30 days	GA 30045	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
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 Investigation took more than 30 days	GA 30318	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
11/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29732	Web
I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$890.00} on XX/XX/2021. I have no idea where this financing came from.
08/26/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 535XX	Web
On XX/XX/XXXX World Finance did a hard inquiry without my permission. On XX/XX/XXXX XXXX World Finance status was open {$480.00} past due as of XX/XX/XXXX. On XX/XX/XXXX XXXX shows account was charged off XX/XX/XXXX and the past due {$880.00} as of XX/XX/XXXX.
12/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37312	Web
I received a loan from world finance and and lost my job and tried to use the credit life protection that was included in my loan and was denied and sent to collection now i have mutiply collection account when i was enrolled in a service i could n't receive
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 384XX	Web
There are reports contained in my credit file that are well over XXXX years old like World Finance and XXXX XXXX and I need them removed. I need to know what I need to do to get this done, so I can begin to work on a fresh start. Thank you for your time.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63119	Web
I Call XXXX about 10 times a day to update my XXXX XXXX to reflect on my accts XXXX XXXX and World finance Company they refuse but they did add XXXX to a XXXX XXXX but im not in a XXXX XXXX i ask to speak to supervisor, Special handling no one will help
01/25/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30344	Web
Collection amount was paid in full on XX/XX/19 Approval code # XXXX. Rep told me account will be deleted & I will receive a receipt in mail. I disputed the account & they updated the account XX/XX/19 stating account is in collection & have a high balance
11/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	KY 40422	Web
Im not aware of where the debt came from, but I paid it off just to get it removed from my credit report, and theres been several changes made to the account but never Been removed like it was supposed to be. The dates arent even the same on one report
07/16/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29650	Web
I have tried to fix the problem with the company for over a year. I have sent letters, disputed several time with the credit companies. World Fin, would just send a settle offer. No proof of contract are anything. Information is incorrect and not vaild
01/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31206	Web
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
10/30/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	MS 38863	Web
i dont have any account number they can not provide me anything all i have is the warranty deed copy that they sent me and whenver i pay the house its only my name on the reciept no additional information my address is not even listed to the reciept.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77024	Web
FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
07/11/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	GA 30534	Web
The company World Finance was told during initial process by any means do not contact my employer. They called on XX/XX/XXXX for the 3rd time. When I called their corporate I was advised it was in fact noted to not contact my employer by any means.
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79924	Web
FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
11/30/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company
11/14/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30701	Web
World Finance Corporation is reporting a debt a charge off when the debt was sold to XXXX XXXX ( debt collection agency ) the debt was settled in full with XXXX but world finance continues to report the {$900.00} as a collection and charge off.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77407	Web
I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WORLD FINANCE CO ( XXXX )
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web
The creditor World Finance I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.
12/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA XXXXX	Web	Older American
Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.
01/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 298XX	Web
Debt collection on my credit Report from a world finance. I never had a loan before with this company. I dont know where world finance located. Please help me with this issue. First time seeing this on credit Report. Sincerely yours XXXX XXXX
11/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77070	Web
World finance has 2 loans for me reporting on my credit. I paid both last and off. I got the first loan and paid it off then I got a 2nd years later and paid that one. But it's showing on there system I owe for 2 loans that's not true at all.
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 Their investigation did not fix an error on your report	TX 75214	Web
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
10/13/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 765XX	Web	Servicemember
I have repeatedly asked they discontinue to call my references and they continue to cal my daughter everyday I had XXXX and lost my job and unable to pay at this time. I know I owe this money but I cant pay this and keep a roof over my head
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SC 29607	Web
XXXX with World Finance in XXXX, SC ( as well as other staff members from this location ) have called my place of employment and disclosed that they were looking for me and which business they are from ( ie. World Finance ) regarding a debt.
08/11/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OK 749XX	Web
CONTINUES TO REPORT AS A NEGATIVE ACCOUNT ALSO WITH MAJOR DELINQUENCY DATE OF XXXX WHEN I FILED BANKRUPTCY. THIS SHOULD NOT BE ON REPORT DUE TO CHARGE OFF OF BANKRUPTCY AND CAUSING MY SCORE TO BE LOWER BECAUSE IT LOOKS LIKE AN ACTIVE ACCOUNT
04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
I have been disputing world finance for a long time now, and they keep changing their remark back-and-forth. I have been requesting a copy of the contract, showing me that it was my debt they were refusing to show me a copy of the contract.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46410	Web
I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items World Finance and XXXX XXXX XXXX. I have sent in police reports and Identity theft affidavit. They will not remove.
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77377	Web
World Finance Corp is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
03/14/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
As a XXXX settlement I sent a check to World Finance to have this debt deleted from my credit report. World Finance read the communication for release and removal. However they cashed the payment and continued to report a write off debt.
04/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 705XX	Web
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX My social security number is XXXX I'm XXXX date of birth XX/XX/96 my address currently XXXX XXXX I can't get help anywhere now I'm facing eviction I have small kids one day now to move
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 761XX	Web
I have not liable for the debt with XXXX XXXXXXXX XXXX XXXXXXXX and WORLD ACCEPTANCE - G I do not have a contract with WORLD ACCEPTANCE - G or XXXX XXXXXXXX XXXX XXXXXXXX and i was not provided with the original contract as requested
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07050	Web
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29407	Web
World finance I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent account.
05/10/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	GA 31404	Web
They told me due to the fact of me not having a job and its the law they couldn't issue loan for {$600.00} with proof of income {$5000.00} a monthly. I asked federal burial of investigations and they stated ots not a law in Georgia.
09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30188	Web
There are questions concerning the validity of items on my credit report from World Finance. Therefore, validation of account ( s ) had been requested. However, the company has failed to respond to validation request within 30 days.
08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	MO 644XX	Web	Older American
World Finance refuses to discuss the debt being fraudulent. I have never heard of them or received a bill from them. I know this is fraud but they refuse to take this off my credit report and it is hindering my request for a loan.
04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	SC 29678	Web
I got a loan using personal property as calateral I paid the loan off early after being late 2 months I believe it was XXXX or XX/XX/2017 but they claim I still owe them and didnt pay it off I just found out this info a week ago
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21239	Web	Servicemember
I contacted all three credit bureaus to validate this debt. World FinancXXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.
07/14/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	FL 33578	Web
I took out a loan with world finance and I paid them back and they reported loan paid back in full now its shown two different account on my credit and effecting my credit score bad because they reopen this loan on my credit
11/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76036	Web
I make payments at the end of the month, they call me several times in the same day, I talk with them every time, they called me 4 times on XX/XX/2020, they were given date, said they are sorry. im working and being harrased
09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77316	Web
Called XX/XX/2022 address was incorrect My address is wrong and I never received anything in regards to this balance. My current address is XXXX XXXX XXXX XXXX XXXX TX XXXX Previous address is XXXX XXXX XXXX XXXX TX XXXX
02/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 78224	Web
I have tried my best to make payments as promised. I have asked this finance company to please not contact me at my place of employment and they continue to call and harass my co workers. I'm very tired of the harassment
11/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
After numerous attempts to get this fraudulent account removed from my credit report, World Finance refuse to remove this fraudulent account. I want to dispute this fraudulent account under the fair credit reporting act.
06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN XXXXX	Web
I have reached out to World Finance Company multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.
06/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60504	Web
The company World Finance Corporat is attempting to collect a debt from me which is not mine. The following account is not mine nor is it associated with me and I would like the immediate remove of these account ; XXXX
11/14/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CO 816XX	Web
For two years, Ive asked for World fianance to validate this debt. Theyve submitted false social security numbers to reporting agencies and incorrect amounts. Multiple times have they showed up to my home to collect.
10/23/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 315XX	Web
I was charged fee 's and interest I did n't know about. I did n't have a good job at the time. After I got laid off i paid the account off but they have it reporting to the agency charged off instead of paid in full.
11/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76132	Web
Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX days.
03/25/2020	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	IL 604XX	Web
I have mailed several letters to collection agent and credit bureaus asking to validated and no response. I requested deletions due to no validation or response after 30 days has pass but b there still reporting.
09/10/2022	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	IL 604XX	Web
15 U.S Code 1861 ( b ) Permissible Purpose Of Consumer Credit I did not give permission for the creditor to place anything on my credit I have asked it to be removed multiple times now Im demanding it be removed
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29203	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40214	Web
I have paid my account off with world finance and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
09/05/2022	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	AZ 85122	Web
This account is to old to be on my credit report. This was from 2015. XXXX has been kind enough to remove the account but its still shows on my other two reports as well as them reporting missed payments.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web
I have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit
12/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC XXXXX	Web
Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.
01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC XXXXX	Web
Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.
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	SC 295XX	Web
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.
11/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web
XXXX XXXX is stating that I was given a Loan of some sort. I have advised them on multiple disputes that this loan was a result of identity theft. They have refused to remove it from my credit report
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65202	Web	Servicemember
This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31088	Web
These accounts were opened without my knowledge or consent and I wish to have them removed IMMEDIATELY. These fraudulent items have caused my credit report to drop dramatically without my knowledge.
05/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 469XX	Web
XXXX XXXX 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.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/23/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77901	Web
World Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
03/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60402	Web
I have mail dispute and validation letters to company and credit agencies havent received a response back account not mine and there reporting different opening dates from XXXX to XXXX and XXXX.
05/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
06/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29108	Web
They are scammers who took my information without informing me and signed up for their service, I contacted them many time but they are not picking the calls and now the number is not reachable.
02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60505	Web
On XX/XX/2022 World Finance received my dispute to an alleged debt. They have 30 days to validate this alleged debt. As a federally protected consumer World Finance is in violation of my rights.
11/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 316XX	Web
The manager at world finance is very rude. When I tried to pay on the account rep. XXXX denied my payment turning me away several times and eventually through my account into collection 's we
02/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 757XX	Web	Servicemember
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.
04/12/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77022	Web
I will attach a file showing I have repeated tried to contact the company via certified mail, asking for proof that this debt belongs to me. My request were not answered and were ignored.
12/18/2016	Yes	Consumer Loan Pawn loan	Can't contact lender	IN 46234	Web
I filed Chapter XXXX bankruptcy against the company but the company refuses to update the credit bureaus to show '' Included in Bankruptcy " after several attempts at completing disputes.
07/29/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 371XX	Web
Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX
05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30228	Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. WORLD FINANCE, balance is {$230.00}, and account # XXXX
03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web
WFC is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30215	Web
I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
02/16/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 45503	Web	Servicemember
There are numerous debts on my credit report from XXXX XXXX. The debt have been paid and are noted as a charge off. this is hurting my credit report. the accounts need to all be removed
09/13/2023	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	XXXXX	Web
I was told that if I paid the debt off they will remove it off of my credit, I paid the debt on XX/XX/2023 and it still has not come off of my credit report yet and I was wondering why
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30296	Web
On my credit report World Finance has a account which has 2 different account number and balances Information is not the same Like its 2 separate accounts which one is the right amount
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CA 90011	Web
I have a hard credit inquiry on my credit score that Im not familiar with, the company called WORLD ACCEPTANCE - G and I would like to file a dispute and get it erased from my credit
10/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web
I have disputed this debt many times they have not been able to verify or sent me actual proof it belongs to me but still report this inaccurate and unverified debt to credit bureaus
08/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46226	Web
World financial Corp said that I am not in their system so I ask that they remove this debit from all XXXX credit bureaus immediately. No record of my name so please remove that item
01/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	GA 301XX	Web
As a XXXX and mother of XXXX I continued to say i coildnt pay anymore n they kust kept aggressively refinancing me. They called me my friends my job. Even my XXXX messages were them.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77386	Web
This loan is not accurate and was done online I have asked for information on this loan and it is being reported to the credit bureau. I never gave consist to share my information.
06/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30315	Web
Debt with XXXX XXXX XXXX XXXX has be re aged. Account was opened in XX/XX/XXXX is showing opened on XX/XX/XXXX. Account was not validated and should be removed as soon as possible.
07/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42301	Web
World finance is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.
07/14/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78610	Web
World Finance in XXXX Texas contacted me for a settlement on a loan. I paid the amount and got the confirmation number. Then it went into collection anyway with the full amount.
03/01/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75034	Web
The loan servicer refuses to provide past escrow accounting starting from the origination date of my loan. They refuse to send me my money if there are overage disbursements.
03/18/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	GA 30601	Web
This loan was opened by someone other than me I was a victim of fraud and they refuse to remove it from my credit and also theyre adding interest on the loan which isnt mine.
10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 372XX	Web	Servicemember
I have not been able to get any information for this account for my credit item. It keeps reporting that i have two items for this credit item, but I only had one account.
07/05/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77035	Web
The organization called twice in one day. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from placing repeated or continuous telephone calls.
02/24/2017	Yes	Payday loan	Can't contact lender	LA 710XX	Web
I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.
12/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 638XX	Web
having trouble paying the loan.When I go to see them they is n't nice.They wo n't lower the payments.My job is slow and I do n't make that much money.I have other bills.
01/23/2018	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	SC 29407	Web
Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37303	Web
Responded to settlement agreement with World Finance and made all requested payments but company refuses to update status on credit report as stated in the agreement.
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37303	Web
Responded to settlement agreement with World Finance and made all requested payments but company refuses to update status on credit report as stated in the agreement.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30093	Web
The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX complaint which included a copy of the recording
02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
WFC is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29445	Web
There are multiple accounts that have been repeated with the same account numbers and i have asked several times for account to be removed. Very old accounts also
04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 360XX	Web
I never had a business account with XXXX and there are putting a payment on my account that is not mines and is fraudulent and it really hurting my credit score.
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	GA 30016	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
03/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 744XX	Web
World Finance in XXXX Oklahoma will not quit contacting my employer I've asked several times for them to not contact my job and there still continuing to do so
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web	Servicemember
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	KY 42101	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29212	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
10/16/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	AL 362XX	Web
It came up on my credit report that I got a car loan for XXXX XXXX a month 45 months to pay and I do not have this car it was purchased XXXX XXXX XXXX XXXX
12/30/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 294XX	Web
WORLD FINANCE CORP. IS OVER THREE YEARS ACCOUNT AND THEY STILL REPORTING ME ON MY CREDIT REPORT. CAN WE DISPUTED ON MY ACCOUNT SO THIS MATTER CAN BE CLEAR.
07/15/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IN 46226	Web
I couldnt pay the loan off due to the other party wasnt paying the loan. The other party agreed to make payments and didnt because of work related issues.
03/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30252	Web
I have directed them to XXXX XXXX XXXX XXXX who I am working with on debt consolidation. Today XXXX at XXXX they called my job which could get my fired.
03/04/2021	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	AL 360XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
02/23/2021	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	AL XXXXX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
10/31/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	IL 60624	Web
World Finance Corporation This Debt Was Settled For Less Than Original Amount And This Company Promised To Report And Remove From All Credit Companies
02/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29045	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.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30577	Web
There's accounts on my credit report that I don't recall having knowledge about. I would like to have them removed as soon as possible indefinitely.
03/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75081	Web
This company refuses to provide me verification and validation of debt. This debt is in dispute because i have never taken out any kind of a loan.
02/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30021	Web
A loan was taken out in my name in 2018 with world finance in California. I have never lived or visited California it is a fraudulent account.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37086	Web	Servicemember
This account has been paid off and has a XXXX balance, I have tried to call the corporate office to speak to someone but the line disconnects.
07/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73110	Web
I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 314XX	Web
I'm currently a victim of identity theft and this has impacted my life tremendously, I just want my life back so I can provide for my family.
09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 398XX	Web
WORLD FINANCE CORPORATION IS STILL REPORTING INACCURATE INFORMATION ON CREDIT REPORTS AFTER DEBT IS EITHER PAID OR DISCHARGE IN A BANKRUCPTY.
12/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IN 477XX	Web
Fraud. Pursuant to 18 USC 8, the US is responsible for all debts ; past, future and present. All information is in the affidivait attached.
08/12/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30601	Web
XX/XX/2018 it was open and they dont have proof of it being my debt and its messing up my credit from getting a house World Finance Co # 90
04/30/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33805	Web
The account was apart of my bankruptcy which was dismissed. Contact them multiple times to remove of credit report for the past two years.
03/05/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
05/26/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 65202	Web	Servicemember
Reporting on my credit report when ex wife took over the debt in divorce decree. Needs removed from my credit report as it is not my debt.
10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 299XX	Web
Try to contact customer customer service would n't help at all to removing item or help better way to solve problems over charging amount
11/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70126	Web
the loan is from WOLRLD FINANCE CO, I have no knowing of getting this loan I believe my identity was seized and used to obtain this loan
08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46226	Web
I recently contacted this company and they said I was not in there system. If Im not in the system how could they be on my credit report
07/28/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL XXXXX	Web
Car is payed off with no XXXX balance left but on my Credi report its still showing a balance please update as completely XXXX balance
10/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/11/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61032	Web
Not sue when this company posted this account, but it is not mine and was posted by WORLD FINANCE CORPORATE IN THE AMOUNT OF {$1400.00}
11/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29045	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.
03/21/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36117	Web
The company that says I owe a balance to them is world finance I never even received a loan my identity had got stolen some months ago
09/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 64063	Web
I was served a court paper by world finance case number XXXX for breach of contract that I didnt sign. Someone got a loan in my name.
09/06/2020	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA 31907	Web
Already payment in 2010 and still on my credit and support to be off my credit after my credit after 10 years so please take it off
09/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78210	Web
WORLD FINANCE CORP is reporting to the XXXX national credit company 's on a debt that is either older than 7 years old or not mine.
04/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
03/26/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
03/01/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
02/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
02/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
04/07/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web
This company hasnt verified I owe this debt and will not send me documentation stating that it is owed with my signature attached
06/10/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	GA 31419	Web
On XX/XX/2021 XXXX at World Finance in XXXX Georgia call my friend before XXXX telling them to have your best friend call them.
03/18/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
This phone number continues to call me, after I have notified them they have the wrong number. They call multiple times a day.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63119	Web
XXXX will not update my world finance and XXXX XXXX account to show XXXX XXXX instead they will hang up and not fix the issue
07/24/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IN 475XX	Web
I had a loan with world financial pay on time sometimes was late was a good customer payoff loan try to get a loan denied
04/17/2017	No	Credit reporting	Incorrect information on credit report Account status	SC 295XX	Web
On my report some of my credit wasnt cleared after 7 years ... why are they showing up on the report now ; closed account
08/06/2021	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 Investigation took more than 30 days	LA 70560	Web
Started the loan a world finance on XX/XX/XXXX and ended XX/XX/XXXX the amount was {$850.00} this action is taken by me.
08/06/2021	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 Investigation took more than 30 days	LA 70560	Web
Started the loan a world finance on XX/XX/XXXX and ended XX/XX/XXXX the amount was {$850.00} this action is taken by me.
04/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
World finance XXXX called on multiple accounts back to back callas after being told to stop calls over and over again.
10/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46226	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29532	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 393XX	Web
World finance continues to violates my consumer rights. World refuses to answer my questions or resolve my concerns.
04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30038	Web
World Finance who I got a loan from showed up on my job to deliver a letter not XXXX but XXXX. How do I handle this
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 393XX	Web
World Finance an audit trail amongst other things. World Finance refuses to stop violating my consumer rights.
01/24/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NJ 08050	Web
Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.
10/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 295XX	Web
World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.
05/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36330	Web
World Finance is not my debt. they call me after hours and harass me. I feel like a victim all over again
04/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30071	Web
I want this off my credit report, I don't know who these people are, I never Finance nothing in my life
01/05/2018	No	Money transfer, virtual currency, or money service Money order	Unexpected or other fees	TX 76106	Web
Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30083	Web
My account was remove from XXXX but it's still has not be removed from XXXX and XXXX credit report.
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 76706	Web
World Finance charged off and reported late payments. and failed to report Disputed in the remarks.
03/06/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN XXXXX	Web	Servicemember
World Acceptance Corp ( XXXX XXXX ) has been paid in full and still remains on the credit report.
10/27/2015	Yes	Payday loan	Applied for loan/did not receive money	AL 365XX	Web
I applied for a loan and did n't receive any money at all. I do n't know why this is on my credit
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39206	Web
I have reached out multiple of times to the creditor about this Fraudulent account on my credit.
08/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32209	Web
this item was paid and on time has been removed on two credit reports but XXXX will not remove
12/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 61704	Web
This loan is still on file they have XXXX loans on me almost 10 years old?? They wo n't remove
08/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KY 412XX	Web
Company called my main office line at work and harassed about making a payment on XX/XX/2019.
06/28/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	XXXXX	Web	Servicemember
Call : XXXX XXXX For any queries/feedback, write to us at help or call us on XXXX Like us on
01/26/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30141	Web
Calling my references and telling what company they are from. Calling my job without consent
10/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76028	Web
company has requested more information about the loan they has reported to my credit report
02/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
I am not aware of this account, please remove it from my credit file. I am not sure how?
04/16/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	IL 60637	Web
According to the 15 U.S.C 1681 the loan account should be removed off my credit report.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 713XX	Web
I have no knowledge of this loan and this company keeps reporting to my credit bureaus.
07/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29360	Web
I feel my privacy has been violated. I did not give them permission to post my credit.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI XXXXX	Web
There is a fraudulent inquiry on my credit report. I want it investigated and removed.
11/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 755XX	Web
I have not received adequate documentation after submitting letters for verification.
10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78501	Web
they keep saying its verified but they have not shown proof of account it is not mine
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 XXXX
07/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75224	Web
This account is fraudulent and I want it removed from my credit report immediately.
10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WI 53214	Web
XX/XX/XXXX, XXXX XXXX XXXX, XXXX World Finance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
Someone open an credit card in my name and its on my credit report and made it bad
08/13/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	KY 42104	Web
World Finance Needs to remove incorrect information from all of my credit reports.
05/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 31021	Web
this account closed i don't know anything about this account on my credit report.
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	MS 395XX	Web
I have reported it and it wasnt removed off my credit report its inaccurate
05/11/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	WI 535XX	Web
Every day XXXX XXXX continues to contact me and I refuse to call them back.
07/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	SC 29360	Web
I feel my privacy was violated because I did not give written permission.
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN XXXXX	Web	Servicemember
Account is paid in full but still shows it was chargeoff on credit report
06/23/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	GA 303XX	Web
Account closed still showing on credit report never received information
10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76112	Web
XX/XX/2018 a letter was sebt for validation and it was never validated.
09/07/2023	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	IL 61822	Web
there are unauthorized inquries on my report that i would like removed
08/12/2022	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	IL 60411	Web
Ive have tried over and over again in XX/XX/2022 nothing had been done
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30533	Web
World finance is showing same account multiple times on credit report
06/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29607	Web
They are not answering to my calls and not replying to my messages.
11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31404	Web
Credit Reporting Agencies and Collection Agencies violated the Law.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web
Someone has been opening accounts in my name without my knowledge.
10/20/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MS 38834	Web	Servicemember
15 USC 1681i This Spreading False Information On Me As A Consumer
07/19/2022	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	OH 433XX	Web
World financial reports on my credit file And account is not mine
04/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 711XX	Web
Account status is closed/charged off and still hurting my scores.
04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 775XX	Web
sent the ftc violation with XXXX XXXX and XXXX XXXX ftc violation
12/01/2022	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	LA 71270	Web
I tried calling them and telling them they had the wrong person.
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60446	Web
Account was paid.Keeps reappearing on my credit report as open.
04/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 30281	Web
this account is on my report XXXX close but still on my report
12/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 370XX	Web
" Employees '' visit my house and argue with me for hours.
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78660	Web
Has not received proof that the debt mentioned is mine.
05/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 62521	Web
They tried to bring down my payments but I lost my job
08/04/2021	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	LA 71270	Web
Investigation took more than 30 days, and no results.
10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't contact lender or servicer	TX 761XX	Web
I request the contract that bears my signature
01/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 61821	Web
Old enquirers from 2017 that I didnt take out
12/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62801	Web
Identity theft. I did not take out this loan.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
I want this stuff gone off my credit report.
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30058	Web
There are inaccuracies on my credit reports.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36526	Web
Send me something with my name on it please
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30228	Web
The ran credit report without my permission
07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75089	Web	Servicemember
no verification nor not enough information
06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 360XX	Web
need original balance or balance stated
10/13/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	GA 30008	Web
Not my debt. I dont know what this is
08/16/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78617	Web
World Finance keep damaging my credit
08/16/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78617	Web
World Finance keep damaging my credit
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36117	Web
I have no knowledge of this account
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	GA 318XX	Web
False reporting don credit report
07/25/2023	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	MD 21122	Web
I did not authorize this inquiry
05/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30067	Web	Servicemember
keeps reaging this account
10/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web
Debt not mine
02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75114	Web

01/27/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN XXXXX	Web

01/26/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30273	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35073	Web

01/25/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	KY 403XX	Web	Servicemember

01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30296	Web

01/24/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 77355	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40517	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MO XXXXX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web

01/22/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	LA 70517	Web

01/22/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	TX 75114	Web

01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web

01/22/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web

01/21/2024	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	MI 49519	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37216	Web

01/19/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	GA 30093	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	TN 38305	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 726XX	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53151	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70364	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30601	Web

01/10/2024	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	SC 29730	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 306XX	Web

01/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73110	Web	Servicemember

01/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	GA XXXXX	Web	Older American

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78228	Web

12/27/2023	Yes	Debt collection Medical debt	Electronic communications Used obscene, profane, or other abusive language	RI 02895	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62526	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70785	Web	Servicemember

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70785	Web	Servicemember

12/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	AL 36869	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 344XX	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	MS 38654	Web

12/15/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35208	Web

12/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account information incorrect	GA 30058	Web

12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 71064	Web

12/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	OK 73071	Web

12/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77009	Web

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

11/26/2023	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	AL 35405	Web

11/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web

11/23/2023	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	IL 62704	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web

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	TX 75159	Web

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

11/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	LA 71220	Web

11/17/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	AL 35208	Web

11/15/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30008	Web	Servicemember

11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36201	Web

11/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 63801	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63801	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60622	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29801	Web

11/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37664	Web

10/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	GA 31907	Web	Servicemember

10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73132	Web

10/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AL 36201	Web

10/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39401	Phone

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

10/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	SC 29210	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31407	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30453	Web

10/13/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77057	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77379	Web

10/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 77493	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30306	Web	Servicemember

10/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30453	Web

10/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77033	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77017	Web	Servicemember

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71270	Web

09/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75051	Web

09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	KS 66002	Web	Older American

09/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77033	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35005	Web

09/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	IN 47803	Referral

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IN 46202	Web

09/14/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 29651	Phone

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77521	Web

09/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

09/12/2023	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	SC 29920	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35501	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77045	Web

09/06/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30907	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30005	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web

08/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38834	Web

08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36575	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	AL 36202	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	PA 19150	Web

08/19/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 37115	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	AL 35054	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35405	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 31021	Phone

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11213	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 78245	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60827	Web

08/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KY 42261	Web

08/03/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IN 46158	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 88260	Web

08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77088	Web

07/29/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TN 38068	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36782	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28213	Web

07/21/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46928	Web

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

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

07/19/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77494	Web

07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39666	Web

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37411	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web

07/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60621	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29646	Web

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	TN 38018	Web

07/03/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 318XX	Web

06/29/2023	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	PR 00956	Web

06/29/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TN 38464	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76123	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30093	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60428	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60428	Web

06/16/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 54304	Phone

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77053	Web

06/14/2023	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	IL 60620	Web

06/14/2023	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	IL 60620	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75570	Web	Servicemember

06/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TN 37210	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28025	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36830	Web

06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39350	Web

06/10/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 75234	Web

06/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 46218	Web

05/30/2023	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	NC 28214	Web	Servicemember

05/25/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70634	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60195	Web

05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web

05/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IN 46016	Web

05/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29611	Web	Servicemember

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38107	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30014	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63119	Web

05/08/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AL 36322	Web	Servicemember

05/06/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60428	Web

05/03/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 35601	Phone

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36853	Web

04/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39350	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77546	Web

04/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MS 39213	Web

04/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 34711	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77087	Web

04/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31405	Web

04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	Web

04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	Web

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

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30096	Phone

04/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web

04/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TN 38141	Web

04/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77034	Phone

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38119	Web

04/07/2023	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	FL 32837	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37138	Web

03/25/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 71837	Web

03/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75038	Web

03/19/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 71837	Web

03/19/2023	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	FL 33417	Web

03/19/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77494	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77072	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38058	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	NC 28150	Web

03/14/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 31788	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40219	Web

03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61032	Web

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	SC 29418	Web	Servicemember

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	AL 358XX	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	TX 78155	Web

03/11/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MS 39180	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77053	Web

03/09/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60085	Web	Servicemember

03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28352	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35010	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77389	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36830	Web

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

02/25/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76205	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	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	SC 29153	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	GA 30305	Web

02/21/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	SC 29604	Phone	Older American

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29902	Web

02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

02/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IA 50703	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35044	Web

02/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29803	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37406	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29210	Web

02/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30067	Web

02/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28269	Web	Servicemember

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28352	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28352	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28352	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75007	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 30032	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28078	Web

01/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 61821	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	IL 60639	Web

01/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	IL 62034	Phone

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76548	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47304	Web

01/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30032	Web

01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Web

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76017	Web

12/23/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30344	Phone	Older American

12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 29485	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76017	Web

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	FL 32703	Web

12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 766XX	Web

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	NC 28110	Web

12/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78217	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

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

12/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78660	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30338	Web

12/03/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	SC 29102	Web

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53713	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37128	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35211	Web

11/30/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	KY 42101	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78634	Web

11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76548	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46205	Web

11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web

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

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 354XX	Web

11/07/2022	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 Was not notified of investigation status or results	GA 31909	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31313	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	WI 53223	Web

10/25/2022	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	WI 53223	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30312	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10069	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10069	Web

10/07/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web

10/03/2022	No	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	TN 37803	Phone

10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63141	Web

09/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30643	Web

09/26/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30273	Web

09/25/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 53223	Web

09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	SC 29307	Web

09/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	NM 87016	Web

09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web

09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29115	Web

09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36207	Web

09/06/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	GA 31401	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37072	Web

08/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29646	Web

08/31/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	LA 71457	Web

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30342	Web

08/26/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75038	Web

08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30094	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76017	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 42301	Web

08/14/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30215	Web

08/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37138	Web

08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30342	Web

08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29526	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37403	Web

08/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29609	Web

07/31/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 75071	Web

07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75201	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35803	Web

07/24/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30342	Web

07/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30309	Web

07/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30474	Web

07/20/2022	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	GA 30096	Phone

07/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29609	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43326	Web

07/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30088	Web

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76011	Web

07/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30342	Web

07/15/2022	Yes	Payday loan, title loan, or personal loan	Incorrect information on your report Information belongs to someone else	AZ 86426	Phone

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43326	Web

07/13/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30215	Web

07/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NC 28216	Web

07/07/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30215	Web

06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39212	Web

06/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75570	Phone	Servicemember

06/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IN 46229	Phone	Servicemember

06/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	CA 90255	Phone

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73647	Web	Servicemember

06/15/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30215	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62234	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76017	Web

06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

06/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78245	Web

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

06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29180	Web

06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

06/01/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 38401	Phone	Older American

05/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30215	Web

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

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

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

05/24/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29461	Web

05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

05/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 30215	Web

05/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 31907	Phone

05/05/2022	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 Their investigation did not fix an error on your report	TX 79424	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29209	Web

05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30215	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30236	Phone	Older American

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76017	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77060	Web

04/19/2022	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	WI 53707	Phone

04/17/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MS 39202	Web

04/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	WI 53224	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

04/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30043	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 77051	Web

04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29640	Web

04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29360	Web

04/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 36301	Web

04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29145	Web

04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29145	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31206	Web

03/31/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Referral

03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/28/2022	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	GA 30331	Web

03/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	IL 61701	Phone

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29594	Web

03/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29609	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

03/23/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NC 27502	Web

03/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29351	Web

03/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30519	Web

03/20/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	FL 32301	Referral

03/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23664	Web

03/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

03/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38115	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30088	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31206	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76118	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web

02/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78717	Web	Servicemember

02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75771	Web

02/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 71016	Web

02/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64063	Web

02/16/2022	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	WI 53404	Web

02/16/2022	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	WI 53404	Web

02/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29505	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web

01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31093	Web

01/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31313	Web

01/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29341	Web

01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 773XX	Web

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

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77407	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76542	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77642	Web

01/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

01/06/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 75207	Web

01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29649	Web	Servicemember

01/04/2022	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	IL 62870	Web

12/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29325	Web

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70760	Web

12/15/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 76114	Web	Servicemember

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

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

12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29127	Web

12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29137	Web

12/07/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	UT 84660	Web

12/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61821	Web

11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35756	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63011	Web

11/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64138	Web

11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MS 38643	Web

11/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28078	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web

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

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78217	Web

10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71270	Web

10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29607	Postal mail

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62234	Web

10/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web

10/21/2021	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	LA 70003	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62221	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62206	Web

10/18/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31096	Web

10/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

10/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 31021	Web

10/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

10/12/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NM 87111	Web	Servicemember

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75070	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75048	Phone

10/07/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 759XX	Web

10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38301	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70810	Web

10/05/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

10/05/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

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

09/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX XXXXX	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30019	Web

09/25/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MO 639XX	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64063	Web

09/20/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

09/20/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31096	Web

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31096	Web

09/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75068	Web

09/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

09/07/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 31749	Phone	Older American

09/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

09/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78227	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30044	Web

08/31/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	GA 31061	Web

08/21/2021	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	LA 70344	Web

08/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64063	Web

08/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37042	Web

08/17/2021	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	SC 29651	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web	Servicemember

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

08/16/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77380	Phone

08/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Public record information inaccurate	GA 31329	Web

08/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 64029	Web

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

08/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

08/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 31749	Phone	Older American

08/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

08/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35215	Web

08/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31014	Web

08/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31093	Web

08/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	OK 74464	Phone

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32811	Web

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77011	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64063	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64063	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75703	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75703	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75703	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32129	Web	Servicemember

07/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	SC 29405	Phone

07/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

07/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

07/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

07/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37813	Web

07/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

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

07/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37074	Web

07/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31096	Web

07/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

07/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 63138	Web

07/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

07/14/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

07/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31054	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77011	Web

07/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29205	Web

07/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31065	Web

07/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31065	Web

07/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37363	Web

07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30528	Web

07/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web

07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77015	Web

07/02/2021	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 Their investigation did not fix an error on your report	TX 78526	Web

06/30/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

06/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/28/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29615	Web

06/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

06/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29334	Web	Servicemember

06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39120	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70538	Web

06/21/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

06/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76036	Web

06/18/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 31021	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	GA 30127	Web	Servicemember

06/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

06/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

06/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31721	Web

06/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85015	Web

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

06/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31054	Web

06/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70722	Web

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

06/04/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31210	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77027	Web

06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78726	Web

05/31/2021	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	SC 29681	Web

05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29072	Web

05/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31906	Web

05/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31075	Web

05/24/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	GA 30263	Phone

05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70807	Web

05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76036	Web

05/19/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

05/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	SC 29651	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	AZ 85374	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	AZ 85374	Web

05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36701	Web

05/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31054	Web

05/11/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments		Phone

05/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37852	Web	Servicemember

05/08/2021	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	IL 62870	Web

05/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30168	Phone

05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29853	Web

05/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web

04/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71301	Web

04/24/2021	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	TX 75104	Web	Older American

04/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 77530	Web

04/22/2021	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	GA 31548	Web

04/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 37701	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37042	Web	Servicemember

04/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Personal information incorrect	TX 77530	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60443	Web

04/13/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37852	Web	Servicemember

04/13/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31054	Web

04/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 77583	Web

04/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

04/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29605	Web

03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79907	Web

03/26/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36108	Web

03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53402	Web

03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53402	Web

03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76016	Web

03/12/2021	No	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77027	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29681	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36117	Web	Servicemember

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36117	Web	Servicemember

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38308	Web

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38308	Web

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60624	Web

02/20/2021	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	AR 72116	Web

02/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	IN 46214	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75231	Web

02/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31721	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64063	Web

02/11/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35208	Web

02/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29936	Web

02/06/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30312	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38128	Web

01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46214	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	TX 75063	Web

01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30458	Phone

12/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77034	Web

12/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30906	Web

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30809	Web

12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35758	Web

12/17/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30106	Web

12/12/2020	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 Investigation took more than 30 days	TX 77511	Web

11/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40118	Phone

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30079	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31907	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

11/11/2020	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	SC 29180	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29180	Web

11/11/2020	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	SC 29180	Web

11/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 62801	Web

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29102	Fax

10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	LA 71109	Web

10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76177	Web

10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76177	Web

10/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76177	Web

10/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70653	Web

10/02/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

09/29/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84067	Web

09/29/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36869	Web

09/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30263	Web

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

09/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75231	Web

09/22/2020	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	CA 93644	Web

09/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30288	Web

09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29153	Web

09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30152	Web

09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	Web

07/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78586	Web

06/25/2020	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	KY 42003	Web

06/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30034	Web

06/18/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 40744	Web

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35473	Fax

05/28/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IN 46224	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35405	Fax

05/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 36110	Fax

05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35184	Web

05/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 76017	Web

05/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77003	Phone

05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76148	Web

05/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 71901	Web	Servicemember

05/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NC 28358	Web	Servicemember

04/23/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62401	Web	Servicemember

04/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NM 87121	Phone

04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77520	Web

04/08/2020	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	TX 76140	Web

04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70346	Web

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

03/17/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	MO 65556	Web

03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31906	Web

03/09/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38133	Web

03/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NM 87121	Phone

02/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36703	Phone

02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07030	Referral

02/21/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

02/19/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75065	Postal mail

02/18/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 30016	Phone	Servicemember

02/11/2020	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 Was not notified of investigation status or results	AL 36701	Web

02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36701	Web

01/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 37066	Web

01/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84405	Web

01/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73085	Web

12/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services		Phone

11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29568	Postal mail

11/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30253	Referral

11/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72416	Web

10/31/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37642	Phone	Older American

10/25/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75231	Web

10/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30906	Web

10/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30339	Web

09/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37404	Postal mail

09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61201	Phone

09/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 62565	Web

08/13/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan		Phone

08/09/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77016	Web

07/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	OK 74851	Web

07/23/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76039	Web

07/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77095	Web	Servicemember

07/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73015	Web	Servicemember

06/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 62702	Web

06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78748	Web

06/15/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Old information reappears or never goes away	AL 35080	Web

06/06/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 76097	Phone

05/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

05/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 74003	Web

05/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64130	Phone

05/06/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77803	Web

04/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web

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

04/10/2019	No	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OK 74955	Web

04/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	SC 29906	Web	Servicemember

03/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 31054	Web

03/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31054	Web

02/28/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30518	Phone

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	GA 30309	Web

02/02/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30016	Web

01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29420	Web

01/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 74447	Phone

01/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75232	Web

01/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 64130	Postal mail

12/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79702	Web

12/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75254	Web

12/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78613	Web

12/13/2018	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	LA 70126	Postal mail

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

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

12/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29418	Web

11/23/2018	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	GA 30417	Web

11/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75567	Web

11/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	SC 29210	Referral

11/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74127	Phone	Servicemember

10/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ID 83814	Phone

10/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20002	Web

09/21/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23703	Web

09/19/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77539	Web

09/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73069	Web

08/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

07/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60647	Web

07/31/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	KY 41501	Web

07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 71149	Web

07/25/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 71149	Web

07/21/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web

07/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	WI 53404	Web

06/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90003	Web

06/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30014	Web

06/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94070	Web

06/22/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	GA 31768	Web

06/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30233	Referral

06/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30310	Referral

05/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 65401	Web

05/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30096	Web

04/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29020	Referral

04/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29576	Referral

04/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 78253	Web	Servicemember

04/02/2018	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33043	Web

03/31/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AZ 85202	Web

03/30/2018	No	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MO 63136	Web

03/30/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web	Servicemember

03/29/2018	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	UNITED STATES MINOR OUTLYING ISLANDS 76028	Web

03/28/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	SC 29010	Referral

03/26/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77073	Web

03/15/2018	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	MD XXXXX	Web

03/07/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29730	Postal mail

03/05/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

02/21/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29527	Postal mail

02/21/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30096	Postal mail

02/21/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle		Referral

02/21/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38134	Web

02/19/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71108	Web

02/16/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 62269	Web

02/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	KY	Web

02/05/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30006	Web

02/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37083	Web

01/31/2018	No	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer		Phone

01/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 61071	Phone

01/15/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31005	Web	Servicemember

12/29/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 63775	Phone

12/27/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 34759	Web

12/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78043	Web

12/08/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37228	Phone

12/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29488	Phone

11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30241	Web

11/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78043	Web

11/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web

11/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web

11/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ID 83651	Web

11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30241	Web

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

10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64131	Web

10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	OK 74032	Web

10/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78711	Web

10/16/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30012	Phone

10/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web

10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63114	Web

10/08/2017	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	AL 35211	Web

09/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 61525	Web	Servicemember

09/26/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan		Phone

09/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28306	Web	Servicemember

09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30238	Web

09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78664	Web

09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29168	Web

08/30/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30354	Referral

08/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 38464	Web

08/22/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 62707	Web

08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	KS 66062	Web	Servicemember

08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60538	Postal mail

08/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29323	Web

08/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29044	Phone

08/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78155	Phone

07/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70815	Web

06/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63132	Web	Older American

06/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46205	Web

06/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73034	Web

06/08/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63132	Web	Older American

05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70301	Web

05/18/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75771	Web

05/17/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77026	Web

05/11/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33416	Web

04/27/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	GA 30032	Postal mail

04/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75150	Web

04/18/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65705	Web

04/15/2017	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	KY 41301	Web

04/14/2017	No	Consumer Loan Installment loan	Managing the loan or lease	LA 70301	Web

04/05/2017	No	Consumer Loan Installment loan	Managing the loan or lease	TX 79903	Web

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29356	Web

03/22/2017	Yes	Credit reporting	Incorrect information on credit report Account status	AL 36111	Web

03/16/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75119	Web

02/20/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29379	Web

02/18/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NM 87002	Web

02/13/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29910	Web

02/09/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37909	Web

02/09/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	KY 42101	Web

01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75669	Web

01/20/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29153	Web

01/17/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	TN 38012	Web

01/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75503	Web

12/29/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 41465	Web

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

12/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28602	Phone

11/24/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AL 357XX	Web

11/23/2016	Yes	Payday loan	Received a loan I didn't apply for	SC 29070	Phone

10/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IA 52732	Web

09/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30125	Web

08/31/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37323	Web

08/11/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33771	Web

08/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77385	Web

07/24/2016	No	Other financial service Credit repair	Customer service/Customer relations	KY 41256	Web

07/11/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	KY 41660	Phone

07/11/2016	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	OK 74127	Web

06/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70127	Web

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 64106	Referral

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37110	Web

06/03/2016	Yes	Credit reporting	Incorrect information on credit report Account status	FL 34983	Referral

05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TN 37134	Web

04/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75974	Web	Servicemember

04/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN 46038	Web	Servicemember

04/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IL 62220	Web

03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30014	Referral

02/19/2016	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 77023	Web

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 76104	Web

02/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75080	Web

02/01/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

02/01/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75497	Web

01/17/2016	Yes	Payday loan	Can't contact lender	OK 74137	Web	Servicemember

01/12/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	OK 74137	Web	Servicemember

01/11/2016	Yes	Credit reporting	Incorrect information on credit report Account status	KY 40505	Referral

01/05/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	TX 77070	Web

12/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77584	Web	Servicemember

12/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62901	Web

11/30/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 63863	Phone

11/12/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 30442	Web

10/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 38583	Web

10/02/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 31029	Referral

09/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35016	Web

09/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48037	Referral

09/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48037	Referral

09/18/2015	Yes	Payday loan	Can't stop charges to bank account	TX 77520	Phone

09/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29673	Web	Servicemember

09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 63011	Web

08/28/2015	Yes	Payday loan	Charged fees or interest I didn't expect	SC 29601	Referral	Older American

08/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29536	Web

08/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17026	Phone	Servicemember

08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30052	Web

08/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30052	Web

08/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75150	Web

07/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35125	Web

07/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35801	Web

06/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53546	Web

06/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 37820	Web

06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31029	Referral

06/11/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31601	Referral

05/18/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 63138	Phone

04/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31069	Phone

04/17/2015	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TN 38478	Web

04/17/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	AL 35950	Phone

04/10/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75232	Web

04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28383	Web

03/30/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30058	Fax

03/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76179	Web

03/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75181	Web

03/06/2015	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	GA 31906	Phone

03/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71040	Web

03/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35160	Web	Servicemember

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

02/25/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63028	Web	Servicemember

02/18/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20910	Web

02/18/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MO 64083	Phone

02/11/2015	Yes	Payday loan	Can't contact lender	GA 30000	Web	Older American, Servicemember

02/07/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29325	Web

02/06/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OK 74569	Web

02/02/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30909	Referral

02/01/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	OK 74569	Web

01/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37030	Web

01/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30052	Web

01/28/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	SC 29716	Web

01/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93556	Postal mail

01/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30113	Web

01/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39576	Web

01/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29611	Web

01/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78634	Web

01/06/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31794	Web

01/05/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30034	Web

12/30/2014	Yes	Payday loan	Can't contact lender	GA 31204	Phone

12/30/2014	Yes	Payday loan	Can't contact lender	GA 31204	Phone

12/29/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30034	Web

12/26/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	GA 30034	Phone

12/23/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 76437	Fax

12/20/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30340	Web

12/19/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	GA 31002	Phone

12/18/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63901	Web

12/18/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	MO 63901	Web

12/17/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	SC 29020	Web

12/13/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	OK 73620	Web

12/11/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75232	Web

12/08/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30034	Web

12/04/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AR 72761	Web

11/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78226	Web

11/28/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 79412	Web

11/27/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37075	Web

11/26/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	GA 31632	Web

11/24/2014	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	TN 37189	Web

11/23/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IN 47167	Web

11/19/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37075	Web

11/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29360	Web

11/18/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62959	Web	Older American

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60120	Web

11/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29325	Web

11/02/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	IN 46112	Web

10/30/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62002	Referral

10/30/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	GA 30135	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32209	Referral

10/24/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 75232	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29038	Web

10/16/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay		Phone	Older American

10/08/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61764	Web

10/07/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KY 40729	Web

10/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70714	Web

10/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78574	Web	Servicemember

09/30/2014	Yes	Payday loan	Received a loan I didn't apply for	MO 63376	Web

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46112	Web

09/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	GA 31635	Web	Servicemember

09/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30344	Web

09/12/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77012	Web

08/28/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37918	Web

08/27/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	SC 29505	Phone

08/26/2014	Yes	Payday loan	Charged fees or interest I didn't expect	AR 71753	Web

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37312	Web

08/20/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77520	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77803	Phone

08/12/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79316	Web	Servicemember

08/06/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30122	Web

08/05/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78574	Web

08/04/2014	Yes	Payday loan	Can't contact lender	SC 29180	Web	Servicemember

07/26/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	GA 30125	Web

07/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29485	Web

07/24/2014	Yes	Payday loan	Charged fees or interest I didn't expect	IL 62894	Phone	Older American

07/24/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31768	Web

07/23/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay		Phone

07/15/2014	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	MI 48037	Postal mail

07/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37027	Web

06/24/2014	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 78041	Web

06/09/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CO 81082	Web

06/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78232	Web

06/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63376	Postal mail

05/21/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76107	Postal mail

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29579	Web

05/09/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29320	Web

05/08/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78382	Web

05/08/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 30213	Phone

05/07/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30311	Fax

05/05/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29644	Web

04/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76707	Web

04/26/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me instead of my attorney	TX 75209	Web

04/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	AL 35802	Web	Servicemember

03/11/2014	Yes	Credit card	Arbitration	IL 62234	Web

03/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TN 37801	Web

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78228	Web

02/06/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TN 38372	Phone

02/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OK 74953	Web

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SC 29420	Web

01/23/2014	Yes	Payday loan	Applied for loan/did not receive money	OK 74133	Web	Older American

01/16/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 75657	Web

01/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OK 74451	Web

01/03/2014	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	TX 77340	Referral

12/26/2013	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 77703	Web	Older American

12/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OK 74451	Web

12/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11208	Postal mail

12/02/2013	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	AL 35040	Web

11/26/2013	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	AL 35769	Web

11/26/2013	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	AL 35769	Web

11/15/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	SC 29150	Web

11/08/2013	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 79029	Web

10/29/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74146	Phone

09/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TN 37681	Web

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30016	Web

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 30016	Web

09/24/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30106	Web

09/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29209	Web

09/04/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76036	Postal mail

08/30/2013	Yes	Consumer Loan Personal line of credit	Account terms and changes	LA 71211	Web	Older American

08/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NM 88063	Web