Credit bureau · complaint record
Southern Loans complaints
Filed under Southern Loans, Inc.
Consumers have filed 13 complaints about Southern Loans since 2017, 5 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 13
- Last 12 months
- 5
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #250 of 566
Since December 2017
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jun 19, 2026
Most complained-about credit bureaus & report companies
Southern Loans complaints by month
The busiest month was December 2017 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Southern Loans answered all time
- Closed with explanation13100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Southern Loans complaints are about
Top Southern Loans problems
Inside "Incorrect information on your report"
- Account information incorrect 2
- Public record information inaccurate 1
Southern Loans compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Southern LoansCredit reporting | - | 5 | - |
Compare side by side: Southern Loans vs Apple Financing · Southern Loans vs Nav Technologies · Southern Loans vs Opportunity Fund · Southern Loans vs Heritage Financial Group
What people say about Southern Loans
All experiencesNo experiences with Southern Loans yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Southern Loans complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 17, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 28, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 17, 2024 | Credit reporting | Incorrect information on your reportPublic record information inaccurate | Explained |
| Oct 17, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Mar 18, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 1, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 18, 2023 | Payday & personal loans | Loan payment wasn't credited to your account | Explained |
| Feb 3, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Dec 20, 2017 | Payday & personal loans | Struggling to pay your loan | Explained |
Questions about Southern Loans
How many complaints does Southern Loans have?
Southern Loans has 13 complaints on record since December 2017, including 5 in the last 12 months and 0 in the last 30 days. That makes it number 1,875 of every company by complaints this year.
Does Southern Loans respond to complaints?
Yes. Southern Loans answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Southern Loans?
The most common problems are incorrect information on your report (3), improper use of your report (2), attempts to collect debt not owed (2).
Is Southern Loans legit?
Southern Loans is a real company with a public complaint record: consumers have complained about it 13 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Southern Loans legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Southern Loans?
Complain to Southern Loans in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Southern Loans complaints come from?
Most come from North Carolina (13). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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