World Acceptance Corporation

I've been getting a phone call from them. By random XXXX numbers. They called me and asked me to verify my social security number also my address. I asked them to verify who this was. They didnt want to tell me. What it was for. They acted like a scammer. And a legitimate loan company is supposed to tell you the reason for the call by law. Also I do have a loan with them. And they call me on the phone nearly every day about my loan. I thought loan companies aren't supposed to call you every day. It's the world finance of XXXXXXXX

Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

I am writing regarding my loan, which is currently 14 days past due. I understand that all three of my references were contacted today. However, I have not received any calls myself, despite both my cell phone and direct work extension being fully operational. As I already have a pre-payment set up for this account, she is completely harassing me. According to the laws, she can only call one person at a time. She called all 3 in one day

Date : XX/XX/2026 XXXX XXXX XXXX XXXX XXXX RE : Agency # XXXX AND WORLD FINANCE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE OF DISPUTE, DEMAND FOR VALIDATION, NOTICE OF PRESERVATION OF EVIDENCE, AND FORMAL NOTICE OF INTENT TO INITIATE LITIGATION You are hereby placed on formal notice that I dispute the validity, character, legal enforceability, ownership, and amount of the alleged debt you claim is owed. Your continued collection activity and furnishing of derogatory credit information despite material inconsistencies constitute evidence of potential violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. Specifically, WORLD FINANCE COMPANY XXXX XXXX XXXX XXXX is furnishing information to consumer reporting agencies reflecting : a {$0.00} balance, a closed account status, profit and loss write-off, and purchased by another lender.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

XXXX I asked that they stop Calling my husband and remove him as a reference. They refused. My account is not even 30 days delinquent and they call XXXX times a day including my husband and telling him it is URGENT I call them. I even suggested they replace him without another reference and they refused. Stated he had to call and consent to his removal as a reference. They should remove him if I ask and put someone else if I request it. The XXXX I spoke to was XXXX and she was extremely unprofessional. I have worked at loan companies in the past and of a customer ask you to remove a reference or to not call, you dont proceed to continue or tell that customer no. My husband has no affiliation with this loan and is not on this loan. If I ask him to be remove they should have obliged and done so.

I am filing this complaint against World Finance for repeated and unwanted contact with third parties. I have explicitly instructed them to stop contacting my personal references and any individuals not associated with my account, last time being XX/XX/year> at XXXX CT, yet they continue to do so by leaving messages and voicemails asking those individuals to have me return their calls. These repeated contacts are unnecessary, intrusive, and have caused me embarrassment and distress. I believe this conduct may violate the Fair Debt Collection Practices Act and applicable state consumer protection laws. I am requesting that World Finance immediately cease all third-party communications and limit all future contact strictly to me.

Received a text from XXXX to my daughters phone number, text was stating to be XXXX XXXX XXXX about my overdue World Acceptance corporation acct. gave information to contact the about my account and stated from a debt collector. I do not have any accounts opened with a World Acceptance nor do I know what this company is. Also, I have not received any mail regarding anything.

XXXX continues to report the same World Finance debt twiceonce under World Finance Company of Kentucky and again under XXXX XXXX XXXX XXXX. This is the same account that was charged off and closed in XXXX, yet XXXX is allowing XXXX XXXX to report it as a new collection opened in XXXX. This duplicate reporting makes it appear that I defaulted again on a new debt, which is false and misleading. I have already disputed this issue, and World Finance confirmed that the account was closed years ago. Despite this, TransUnion has failed to remove or properly update the duplicate tradeline, which violates the Fair Credit Reporting Act ( FCRA ) because it allows inaccurate and outdated information to remain on my file.

I have formally disputed the payday loan ( world Finance ) account with the credit reporting agencies. As part of my dispute, I provided supporting documentation showing that this account was included in my bankruptcy and subsequently discharged. Based on this, the account should not be reported or pursued for collection. Thank you.

Tried to contact to make payments and never could get a hold of them then they charged it off and sent it to collections and now I still can not get it handled

I sent WFC a dispute thru Transunion online dispute. I have also sent CFPB notice before. I disputed the collection agency that they hired. My identity was hacked. The debt collector deleted their account from trying to collect. WFC will not remove their mark on my credit. I have a copy of my license that will show that my address at the time was not the one on file. I called the XXXX AL XXXX, and they got me in contact with the Auburn AL location who verified the address on file, is not the one that was on the license. I found out the address came from a city I never lived in. I have a copy of my 2023 license that shows my address in XXXX AL. I never iniated any loans with this company. I also have a FTC report that I filed # XXXX against XXXX, and file # XXXX againsXXXX XXXX XXXX XXXX It has already been noted with the XXXX credit bureaus that my information has been compromised. This is a final warning to remove your remark from my credit, or I will be forced to seek legal counsel.

Date : XX/XX/XXXX Subject : Formal Complaint Inaccurate Charge-Off Reporting by WORLD FINANCE CORPORATE ( FCRA Violations ) Dear Sir or Madam, I am submitting this formal complaint against WORLD FINANCE CORPORATE and the credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor : WORLD FINANCE CORPORATE Account Number : XXXX Account Type : Installment Account Status : Charged-Off Balance : {$640.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account is currently being reported on my credit files with XXXX XXXX XXXX XXXX and contains multiple inconsistencies and violations, including : Conflicting account classifications ( Installment XXXX.…

I have XXXX collections on my report which I selected. They say they were verified but we called them and they agreed to remove the collections because we were doing pay per delete on the items. They lied and still didnt remove them even though the money was sent. The information is not accurate they have xxxx with my account numbers and the amounts are wrong. Please dispute these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Absolute RESOLUTION IS WRORLD FINANCE AGAIN

I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and currently reflects a {$0.00} balance. I have documentation confirming payment and that the account has been closed and returned to the original creditor. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this account with the credit bureau, and it was marked as verified, however no proper documentation was provided to me as required under the Fair Credit Reporting Act ( FCRA ). Additionally, since the account has been paid and returned to the original creditor, the collection agency no longer has permissible purpose or legal authority to continue reporting this account. I am requesting that this account be fully investigated. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history.…

I lost my job and I am trying to go through a company. XXXX XXXX to consolidate all my loans. I simply do not have money to pay back everything i owe currently. I sent an email to some of my finance companies and most were fairly easy to work with. However, World finance has been a struggle. This was the letter I sent, with their response, and yet they continue to call me every single day. I am not sure if I am in the wrong, or what I need to do. I am sorry that I can't pay but like every single day getting non stop phone calls is crazy especially after I have asked to be notified my email.

I got a loan with World Finance Company in XXXX, Ga. back in I believe 2023. However, I paid them a few times before I had a near death experience at my job. They told me don't worry about it because I had insurance with them in case something did happen to wear I couldn't pay, they would cover my loan and pay it off. They lied to me and sold my account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is suing me when I don't know of them nor owe them anything. From my understanding that's why I took out the insurance to cover me in case something happened to where I couldn't pay. It's ruining my credit due to both of these companies are reporting that I owe them. It was stated that I owe {$2000.00}. They keep updating it to where it looks like I just got the loan from them to keep my credit down. I am stressed out and can you please help me?

WORLD FINANCE CORPORATIO Account Info Account Name WORLD FINANCE CORPORATIO Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance {$1700.00} Highest Balance Terms 14 Months On Record Until XX/XX/XXXX Payment History This account is scheduled to continue on record until XX/XX/XXXX. Contact Info Address XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed XX/XX/XXXX, XXXXXXXX XXXX Annual Credit Report - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WORLD FINANCE CORPORATIO Account Info Account Name WORLD FINANCE CORPORATIO Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late.…

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau Subject : Complaint Against World Finance Account No. XXXX Dear Sir or Madam, I am submitting this complaint regarding World Finance and the reporting/handling of the following account : Account Number : XXXX Reported Balance : {$560.00} I am requesting an investigation into this account due to concerns about its accuracy, validation, and compliance with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I dispute the validity of this debt and request that World Finance provide proper documentation to verify the account, including but not limited to : 1. A signed contract or agreement bearing my signature 2. A complete payment history 3. Documentation showing that World Finance has the legal right to collect this debt 4.…

I took a loan out in XXXX and I paid it. It is showing that I did not pay. For some reason it is reporting twice. There is no available business or phone number to confirm if this account

I originally took out a loan with World Finance on XX/XX/year> for {$2000.00}, account # XXXX. I have receipts proving payments totaling {$1100.00}. I am confident I paid more, but that is the amount I can currently prove with documentation. Based on those receipts, the remaining balance on the first loan should have been {$870.00}. After experiencing a XXXX XXXX I returned to World Finance on XX/XX/year> to request another loan. They approved a second loan, account # XXXX, for {$5000.00}. However, they stated that in order to receive the second loan, the first loan had to be paid off. They immediately used the new loan funds to close the first loan. From that point forward, the numbers have never added up. Despite multiple attempts to resolve these discrepancies with World Finance, I was met only with arguments and no explanation or correction. Eventually, due to the unresolved inconsistencies, I stopped paying.…

The Company World Finance keeps Saying it is correct and won't do anything.

I took out a loan with World Finance, I was laid off they never got back to me about a program they offered for hardship. My loan went from less than XXXX to them telling me I owe over XXXX. I called to get a settle on this account and they told me I could pay XXXX I verified this on a recorded line numerous times even talked about payments and when I needed to pay them. I told the girl I would call the next day to either pay in whole or break down in payments if I needed to go they route. She verified all the information. I called the next daylike I said I would. I had gotten the money she told me so that I could just pay it and call it done. They supervisor came on the phone said they would have never offered me that amount and told me she had to review the phone conversation. They did review and called me back told me it was their mistake and could not offer me that amount. In good faith I took their word they were giving me correct information.…

This should be off my credit report due to the dates and it is over 7 years old.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - WORLD FIN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

" WORLD FINANCE XXXX '' This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( XXXX ), & FDCPA XXXX ( c ) to cease and desist from reporting inaccurate information about me to credit reporting agencies. Specifically, I have identified the following inaccuracies on my credit report : XXXX AMOUNT {$500.00}. These inaccuracies are damaging my credit standing, and I demand that you immediately cease reporting these items and remove them from my credit file, they are a direct violation to my credit report, my mental stability ( ACTUAL HARM ). Failure to do so within XXXX days will result in further action, including legal suit which is {$1000.00} per every violation you have made, & possibly but not limited to legal fees, along with pain & suffering as permitted under the FCRA. Please confirm in writing that these corrections have been made. PLEASE ATTACH copies of relevant supporting documents, and I expect your prompt compliance.…

was late for payment and being called every day for payment when i explained my apple pay had been hacked and drained. i stated i would make payment soon as i could get some kind of income in my account. was still contacted by phone continously.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in