Many people are warning about the growth in corporate credit, even Jerome Powell admits that it's not rosy there. Fully 45% of BBB rated bonds (lowest and largest in investment grade spectrum) should be junk rated today if judged by leverage ratios alone:

Morgan Stanley, The Nature of the BBBeast https://www.sec.gov/spotlight/fixed-income-advisory-committe...

And then you have non-systemic but ridiculous things like Brex which issues credit on revenue data alone. Revenue is meaningless, Moviepass had great revenue. And those robocalls you're mentioning. Try a Google search on "revenue based credit" on a mobile phone from the US and read what are the ads saying ...