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Cont'd attempts collect debt not owed | i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft |
Incorrect information on credit report | I am not sure how this all works at all!!!!! This is the XXXX that I have ever checked my credit report at all. I have noticed that there is a lot wrong with it. and that is someone using my name and social security number. and as far I can tell it has started in 2008. Now I noticed that they have duplicated addresses on the reports, which it makes look like I move around a lot. also on XXXX report it has like XXXX phone numbers which some of them I 've never heard of myself. My concern is, is that there is someone using my personal information cause of some addresses on here that I have never live at in my life. and at the of them being on my report ( stating on report ) I was living in a whole different state at the time. I need to find someone to help me fix this & all this right on my credit report so I can find an apartment where I do live, which is Massachusetts. I would also like to get the person who is using my identity into trouble, cause this is not fair to fair to me at all for what they are doing, they are ruining my life, making it very difficult to get an apartment where I live or even open a credit card. I also would like to dispute the XXXX account that is on transunion report & then XXXX report has XXXX XXXX XXXX which I 've never heard of neither. so I need help disputing them please. there are on there also that I ca n't make out cause I did not get my full complete credit report that I was promised thru annual credit. com. so I guess I 've got to try to contact them & see they will give it to me. I also thought there was XXXX credit reports that was suppose to get from. but I only I received from XXXX, so what do I and where do I go from here???? please contact me. |
Incorrect information on credit report | I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies.
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for.
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent.
They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above.
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired.
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX. |
Incorrect information on credit report | I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached. |
Credit reporting company's investigation | Disputed several accounts with credit bureaus over 60 days ago, still have yet to receive XXXX letter from them. |
Incorrect information on credit report | I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time .... |
Taking/threatening an illegal action | XXXX XXXX XXXX XXXX ( XXXX ) suspended my professional XXXX license in order to collect a default student due to my XXXX and which I attempted to consolidate through the XXXX XXXX XXXX XXXX.
XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX with Toll-free phone number XXXX through their XXXX XXXX, XXXX is charging 16 % ( a PAYDAY TYPE fees and charges ) of the loan balance, thereby adding to the loan balance burden on the student. |
Cont'd attempts collect debt not owed | OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME |
Incorrect information on credit report | I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago. |
Improper contact or sharing of info | On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ).
On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX.
Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX.
Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company.
Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX
I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire. |
Communication tactics | Northwind Associates. Threatened a lawsuit. Used strong arm tactics on VM that I needed to contact them within the hour to avoid further action. This debt was written off. |
Improper contact or sharing of info | XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt. |
Dealing with my lender or servicer | My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals. |
Cont'd attempts collect debt not owed | I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap |
Cont'd attempts collect debt not owed | After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me.
A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies.
Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies. |
Cont'd attempts collect debt not owed | A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt. |
Cont'd attempts collect debt not owed | I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE. |
Cont'd attempts collect debt not owed | RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT |
Incorrect information on credit report | Judgment added/reported while on XXXX. |
Incorrect information on credit report | I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP |
Incorrect information on credit report | Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment. |
Improper use of my credit report | I asked for a copy of mine and my husband 's credit report after seeing inappropriate data on documents presented at the time of closing on our house. A GENEROUS amount of incorrect information appeared on our credit report - over XXXX credit cards that do not belong to us, with a name and address in another state. I called Transunion, the credit bureau responsible for the additional data, as they had included ALL information for an individual who has the same first name and last initial as mine. Uncomfortable with the fact that I now have all of HER personal information - address, place of work and every credit card number she does/has possessed, I also wanted the appropriate credit score for mine and my husband 's credit history. I asked Transunion to remove her information from the credit report. They assured me they would clean up the credit report and send me a new XXXX within a couple of weeks. That happened on or around XXXX XXXX.
I called the company today, XXXX XXXX. Today the Transunion representative indicated they could send a new credit report out, but it would not include fresh credit ratings. Further, today the representative indicated that XXXX HAD already been sent on XXXX XXXX. When I asked the question, " To what address? '' the response was THE ADDRESS OF THE OTHER INDIVIDUAL?!?!?!
This is a bigger issue than getting my credit report cleaned up or getting a fresh credit report and credit score, although those are important aspects to me, as well. There is an alarming gap in processes that allow for me to see information with a Social Security number of a person who simply has the same first name and same first initial of last name ( not even the same last name ) as mine. And, even more alarming, now I am extremely vulnerable, since this other person has been sent a printed copy of all of MY personal information - including my social security number. I am absolutely stunned - I have XXXX social security number, distinctive from any other person and a computer filters exact data, not " approximate '' data.
In a climate where great caution is encouraged, identity theft is rampant and government agencies are in place to protect the consumer, I am mystified that this could happen.
To add insult to injury, Transunion will not provide a full credit report without charging me and will not freeze my account without charging me. They have created an incredibly vulnerable environment for someone who keeps my nose to the grindstone, pays bills on time and trusts that the processes in place will protect me.
I do not even know where to go from here, or what I should do to further protect mine and my husband 's data, strong financial history and my social security number?!?!?!? It has now been sent to someone whose only common data point with me is the same first name. |
Can't repay my loan | I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments.
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help! |
Taking/threatening an illegal action | people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to |
Cont'd attempts collect debt not owed | Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public. |
Incorrect information on credit report | I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report |
Disclosure verification of debt | My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment. |
Disclosure verification of debt | Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification |
Cont'd attempts collect debt not owed | I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks. |
False statements or representation | Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt.
I want these calls to stop occurring right now. |
Dealing with my lender or servicer | Initial letters from Sunrise Credit Services ( SCS ) office were dated XXXX XXXX, 2015 & XXXX XXXX, 2015. I received XXXX different notices from XXXX XXXX XXXX ( XXXX ) dated XXXX XXXX, 2015 & XXXX XXXX, 2015 stating they were still servicing my loans. As such, I disregarded SCS ' initial letters as XXXX entities are not allowed to collect on the same debt at the same time.
I was notified of SCS ' involvement from XXXX XXXX XXXX ( GLS ) as of XXXX XXXX, 2015, therefore any disclosures made by SCS prior to that date are void. I have not been notified of a default on these loans and as the balance SCS is reporting is inaccurate, any default that occurs prior to SCS resolving the dispute is also void.
Each different SCS account number on their XXXX XXXX letters lists the same amount owed of {$9500.00}, which is inaccurate. SCS letters misrepresent the outstanding balance on each of the XXXX loans taken out with XXXX XXXX XXXX ( XXXX ) as {$9500.00} for a total of {$28000.00}. There were XXXX loans taken out through XXXX and the total of those XXXX loans was {$9500.00}.
I would also like to bring your attention to conversations with representatives of SCS ' office ; XXXX XXXX, XXXX XXXX XXXX XXXX ( unknown last name ) on XXXX XXXX, 2015. SCS representatives disclosed the nature of the call without confirming my identity, under the FDCPA that is known as third party disclosure. Additionally, I questioned if SCS was a collection agency and a SCS representative confirmed it was indeed a third party collection agency. None of the SCS representatives provided the mini Miranda, which is another violation of the FDCPA.
SCS representatives also failed to notify me that the call was recorded, which is required by California penal code.
I have not authorized any automated calls to my cellular phone and received numerous calls from SCS ' office using an Automated Telephone Dialing System, which is a violation of the Telephone Consumer Protection Act.
In closing I would like to mention SCS ' demand for payment in the amount of {$710.00} in back payments and current monthly payment of {$220.00}. My monthly arrangement with XXXX was {$60.00} per month due to my financial situation of bringing home less than {$2000.00} per month. Should they be willing to modify their monthly payment requirement, I am more than willing to establish a payment arrangement with their office that is reasonable & affordable for both parties. |
Cont'd attempts collect debt not owed | This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty.
This is the company : Commonwealth Financial Systems , Inc .
XXXX XXXX XXXX.
XXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect.
Email : XXXXXXXXXXXX |
Incorrect information on credit report | Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt. |
Cont'd attempts collect debt not owed | Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies.
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for.
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent.
They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above.
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired.
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX. |
Cont'd attempts collect debt not owed | FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX.
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company.
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt.
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing.
I asked for them to delete this false information from my credit reports without any luck. |
Dealing with my lender or servicer | I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments. |
Incorrect information on credit report | XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement. |
Communication tactics | This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood. |
Incorrect information on credit report | Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report. |
Credit reporting company's investigation | I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done.
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices. |
Disclosure verification of debt | I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector. |
Improper contact or sharing of info | XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt. |
Disclosure verification of debt | THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ).
AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW.
THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ).
I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS? |
Cont'd attempts collect debt not owed | I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud. |
Improper contact or sharing of info | Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis. |
Incorrect information on credit report | The original dispute was filed years ago. As I have matured and become more aware of my rights regarding the FCRA, I 've realized how long and how egregious Equifax 's error has impacted me. I have been patient and this is my XXXX complaint against Equifax with CFPB. Equifax keeps making a false claim that they have either corrected the information or that it does n't appear. They have deleted the XXXX XXXX bills that appeared in error. They have not corrected the Student Loan accounts that appear inaccurately. In fact, they report duplicative records of the same student loans and have re-aged these accounts extending the time they have appeared on my credit report. These loans were incurred during my XXXX and XXXX studies ending in XXXX 2002. My student loans have remained in deferment, and even during a period of consolidation and being assigned to XXXX XXXX, for reasons permitted by the US Dept of Education. |
Disclosure verification of debt | THIS COMPLAINT IS IN RESPONSE TO MY ORIGINAL COMPLAINT THAT I HAVE FILED AGAINST BC SERVICES, WHICH CONTINUES TO VIOLATE THE LAW BY REPORTING INVALIDATED INFORMATION ON MY CREDIT REPORTS.
THIS IS WRITTEN NOTICE TO BC SERVICES THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAKL TIMES FOR BC SERVICES TO PROVIDE ME WITH PROOF THAT THIS DEBT IS INDEED MY DEBT, AND THAT I HAVE A LEGAL OBLIGATION TO PAY YOU BC SERVICES. BC SERVICES HAS REPORTED AND LISTED ON ALL XXXX OF MY MAJOR CREDIT REPORTS ( XXXX, XXXX AND XXXX XXXX INVALIDATED AND UNVERIFIED INFORMATION, WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TO.
I HAVE WRITTEN TO BC SERVICES SEVERAL TIMES VIA CRETIFIED MAIL AND HAVE REQUESTED THAT VALIDATION IS REQUESTED, IT HAS NOW BEEN LEGALLY PASSED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW. THE DISPUTED INVALIDATED ACCOUNTS MUST NOW BE COMPLETELY REMOVED FROM ALL XXXX OF MY CREDIT REPORTS. AS BC SERVICES IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM BY LAW.
THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITTING OF ANY CLAIM. BC SERVICES HAS FAILED TO REMOVE THIS INACCURATE AND DISPUTED ACCOUNTS OUTLINED IN MY ORIGINAL DISPUTE, AND COMPLAINT WITH THE CFPB. THESE INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY CREDIT REPORTS AND BC SERVICES HAS FAILED TO LEGALLY VERIFY THESE ACCOUNTS INFORMATION IN THE TIME FRAME ALLOWED BY LAW, AND THESE ACCOUNTS INFORMATION DISPUTED BY ME THE CONSUMER DOES NOT LEGALLY MEET THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ALTHOUGHT BC SERVICES HAS REPORTED AND IS CONTINUING TO REPORT INACCURATE AND ILLEGAL INFORMATION TO ( XXXX, XXXX, AND XXXX ).
I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN NOW INFORCE THAT BC SERVICES, WHO CONTINUES TO VIOLATE THE LAW BE SANCTIONED & FINED FOR DIRECTLY VIOLATING THE LAWS? |
Taking/threatening an illegal action | This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately.. |
Cont'd attempts collect debt not owed | Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX.
This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment.
My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB. |
Cont'd attempts collect debt not owed | Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number.
Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented '' |
Credit reporting company's investigation | Credit factors mentioned include finance loans, loan applications..Neither has ever transpired |
Incorrect information on credit report | I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage. |
False statements or representation | My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud. |
Disclosure verification of debt | Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt. |
False statements or representation | I signed a one-year contract for gym membership in XXXX XXXX. At the time of signing, the XXXX XXXX account manager informed me that I could call prior to XXXX XXXX to avoid auto-renewal for general membership. I signed a one-year contract for training in XXXX XXXX but was never informed that the auto-renewal clause also applied to my training contract, which was signed separately.
In XXXX XXXX, I moved outside of the contractual XXXX mile range. I called the gym in XXXX to cancel early, according to the out-of-range clause. I was told that I needed to send a notarized copy of new lease, via certified mail, to prove that I had moved. In the same XXXX phone call, I communicated to the XXXX XXXX Gym Manager that I wanted to cancel my contract at the end of the agreed 12 month term. I was told that a note would be added to my account and that my account would not auto-renew in XXXX.
I noticed at the end of XXXX that I was still being charged. So, I called XXXX XXXX XXXX Gym to request refunds of the unauthorized charges in XXXX XXXX - XXXX XXXX. They claim not to have record of my conversations with associates in XXXX XXXX and I was told that no refund would be given since I had not formally canceled.
In XXXX XXXX, I was directed to XXXX XXXX for " formal cancellation ''. XXXX XXXX informed me that they are NOT able to cancel my contract because the training portion needs to be cancelled in person. XXXX weeks later, my work schedule permitting, I made the XXXX+ miles drive to the gym location to sign the training cancellation form in person. I then was able to call XXXX XXXX and finish cancelling my gym membership contract.
In XXXX XXXX, I disputed the charges via XXXX Bank. Within XXXX weeks of my claim with XXXX, the charges were investigated and permanently refunded to my account.
At the end of XX/XX/XXXX/Begin XXXX XXXX, I began receiving calls for overdue account balances from XXXX separate entities. The XXXX entity identified themselves as lawyers collecting debt on behalf of XXXX XXXX. Aldous Lawyers are not, however, credited lawyers in Texas ( location of original debt ). They also sent an " attorney letter '' that fails to match the amount due that was quoted over the phone. The associate at Aldous & Associates XXXX threatened to " send my information to credit reporting agencies at any minute ''. He later admitted to me that they " work for '' XXXX 's Gym and are not actual debt collectors or credit agencies.
XXXX XXXX claims to represent XXXX Gym 's personal training contracts although I have never seen or heard mention of their business name in any contracts I signed with XXXX Gym. They inform me that as of end-XX/XX/XXXX my account remains open ( despite having my cancellation paperwork on file now XXXX. This firm will not acknowledge my dispute of the charges via phone or email but refuses to send to me via mail a formal invoice of the alleged charges.
I have been putting good faith effort into avoiding auto-renewal of my contract since XXXX XXXX. XXXX my contract term ended, I made good faith effort to promptly cancel my contract to avoid the unfair extension of the pre-determined contract term. |
Disclosure verification of debt | NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings. |
Dealing with my lender or servicer | I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX |
Incorrect information on credit report | I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money. |
Dealing with my lender or servicer | I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time. |
Cont'd attempts collect debt not owed | THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS. |
Incorrect information on credit report | This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied. |
Incorrect information on credit report | This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied. |
Cont'd attempts collect debt not owed | HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP |
Incorrect information on credit report | My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item. |
Cont'd attempts collect debt not owed | I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up |
Cont'd attempts collect debt not owed | Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do? |
Cont'd attempts collect debt not owed | Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe. |
Improper contact or sharing of info | I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans |
Cont'd attempts collect debt not owed | I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else |
Incorrect information on credit report | Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT |
Incorrect information on credit report | I have filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all. |
False statements or representation | Judgement line was filed then LVNV funding started collecting. They hired an attorneys office they called said they were from a locators services and there was a civil criminal case against me and I was to call this attorney in XXXX. I never did. A few days later with no notice my checking account was garnished. How is this fair? Is any one going to do anything this time? |
Cont'd attempts collect debt not owed | I received collection in my credit report.
I have insurance with unitedhealthcare which covers 100 %.
Before my visit they told me that the insurance will cover everything.
After my visit to the hospital, I received the bill, I contacted the insurance many times, they did not want to fix the problem. They told me to wait. I was waiting. Then I received the collection in my account from the creditorCreditor Contact DetailsFIRSTSOURCE ADVANTAGE XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX AgencyFIRSTSOURCEamount $ XXXXCould you please let me know how to fix this issue?
Thank youXXXX XXXX-mail XXXXXXXXXXXX |
Credit reporting company's investigation | Transunion continues to allow my report to be accessed by not locking my report immediately after. I have documents that support XXXX requesting Transunion to remove the Inqs, XXXX is fraud hence they removed the accounts so the Inquiry remaining makes no sense, XXXX bank XXXX TIMES! thats absurd I just opened a checking account, XXXX a " XXXX XXXX '' which appears to be a dealership in XXXX XXXX!!!! How derelict can they be! REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME MY REPORT ALONG WITH A PROPER INVESTIGATION.
SEE THE ATTACHED AND REMOVE THE INQS |
Disclosure verification of debt | Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}.
Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks, |
Unable to get credit report/credit score | I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law. |
False statements or representation | Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided. |
Improper use of my credit report | I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file.
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded.
I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose. |
Disclosure verification of debt | Dear customer service, I found recently I have colection in my credit report.
I visited the doctor in Maryland and I made XXXX.
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}.
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit. |
Incorrect information on credit report | XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX. |
Credit reporting company's investigation | Experian claimed they had removed all of these fraudulent inquiries but again despite sending the an inordinate amount of law enforcement affidavits they have done nothing. I still have them stuck on my report, I continue to provide them the accurate information. I pay a sacrifice to this country by entering the military to support what? A group of individuals that think they can break XXXX XXXX XXXX? This is not what i fought for, to defend the rights of corporations like this to take advantage of ex-military. XXXX, some of these inquiries are anti-logic. For example the XXXX account, which was included in the report should have been blocked as officer XXXX and XXXX said. As it was entered into the DOJs Sentinel. XXXX, XXXX did not pull my report XXXX Times in a row. They have been adamant they have never done that and asked Experian to mask them.
Experian Has yet to respond to anything I send, nor even to the CFPB. |
Cont'd attempts collect debt not owed | For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call. |
Disclosure verification of debt | I received limited information from Sentry Credit XXXX Inc XXXX Under the fair debt Collection practices Act I demand full disclosure of information to validated the debt with specific documents. |
Incorrect information on credit report | It has been XXXX months since I filed a complaint with CFPB regarding a questionable transaction with a local car dealer, see case number XXXX. To this date CFPB has still not been able to locate the company known as XXXX, XXXX XXXX XXXX so it could be registered, notified and given 15 days to respond to this dispute which is holding up the resolution and removal of the repossession claim from our credit report. On XXXX my wife spoke with our lender who suggested we call XXXX at XXXX. My wife talked to XXXX at XXXX about our situation as I listened. She gave my wife XXXX phone numbers for XXXX XXXX : XXXX and XXXX, and said these were the numbers showing up on our credit report for this dispute. When my wife called the XXXX number, they told her they were a tax accounting firm and had nothing to do with cars or car loans. When my wife called the XXXX number, XXXX at XXXX answered the phone. My wife asked XXXX for the phone number to XXXX XXXX and XXXX flat out refused to give it to her but instead transferred her to a man named XXXX. XXXX answered the phone. My wife asked XXXX who he was with. XXXX told her he was the owner of XXXX XXXX and that he just helped XXXX at XXXX with selling cars sometimes, but that he ( XXXX ) owned XXXX. At the time I purchased the vehicle, the object of this dispute, XXXX put himself out to be the Manager and Owner of XXXX. XXXX continued to tell my wife that he remembered speaking to me and agreeing to allow me to return the car which was located in Oklahoma at that time and that that action alone would save XXXX {$3000.00} in repossession costs. XXXX also told my wife that he had sent me a letter explaining our agreement that when they sold the car, XXXX would refund me any money above the original purchase price, but if the car sold for a lower price, I would owe the difference. XXXX also told my wife that he told me that I would receive a letter when the car sold with the information including how much the car sold for, and any amounts owed or refundable would be disclosed. I never received that letter! XXXX also admitted to my wife that the very day I returned the car to XXXX, XXXX placed a repossession claim on our credit reports. This was against XXXX and mine 's agreement outlined above. XXXX also told my wife that there was an extra credit included in the balance due, but would not disclose the amount of that credit on the balance he claims is outstanding and due. Nor would he tell my wife the amount he sold the car for, only that he sold the car a long time ago, and that the balance of {$5400.00} is what is owed with the credits applied. The last thing XXXX told my wife before hanging up was, " I sure would like to get paid. '' After my wife hung up with XXXX, she called XXXX back and spoke with XXXX. My wife explained the conversation that she had just had with XXXX at XXXX, XXXX XXXX XXXX. My wife suggested that XXXX and XXXX XXXX XXXX be committing fraudulent activities. XXXX agreed and pulled up our file. XXXX told my wife that XXXX had already filed a report with the Federal Trade Commission immediately after speaking with her and that the repossession was only posted on our XXXX credit report. It was n't showing up on either XXXX or XXXX and XXXX said that 's not normal and to notify the State Attorney General 's office too. The acts of XXXX XXXX XXXX XXXX have smeared our name, lowered our credit rating, and caused me and my wife an immense amount of distress, pain and suffering by exacerbating my wife 's XXXX. |
Incorrect information on credit report | EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief. |
Credit reporting company's investigation | Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief.
See letter to REMOVE XXXX from my credit report. |
Communication tactics | I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX.
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken. |
Incorrect information on credit report | never lived in texas |
Dealing with my lender or servicer | A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to XXXX XXXX XXXX. I have attended classes there but have taken only XXXX XXXX loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report. |
False statements or representation | There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount |
Credit reporting company's investigation | This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ).
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes.
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim.
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law.
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion.
XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible. |
Communication tactics | COLLECTOR KEEPS CALLING MY NUMBER XXXX OVER AND OVER AGAIN, WILL NOT VALIDATE OR CEASE AND DESIST. COLLECTING FROM XXXX XXXX XXXX, XXXX, AND HE DOES N'T LIVE HERE! |
Dealing with my lender or servicer | See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley. |
Cont'd attempts collect debt not owed | I canceled internet service with XXXX in XXXX of 2015 after a XXXX months of successive incorrect billing for service that even their customer retention department admitted was incorrectly billed too high and made adjustments to my account. Successive bills still had the improper billed amount so I canceled service.
I received another bill from XXXX and was advised that I would get a final bill that would show any remaining balance or credit.
I received a phone call from a debt collector on XXXX/XXXX/2015 regarding a past due amount to XXXX for {$45.00}. I disputed the charge and immediately went to my local XXXX office. The CSR girl said " No, you have a credit balance '' and was unable to print anything official, but did hand me a print out of her computer screen that shows a credit balance of {$110.00}.
I then received a bill from XXXX also dated XXXX/XXXX/2015 that shows a completely different amount of NEGATIVE XXXX and " NO PAYMENT DUE ''.
I then received a bill from Stellar Recovery XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX XXXX dated XXXX/XXXX/2015 for {$45.00}.
After several calls to XXXX I got several promises for calls back to take care of the issue. I have almost an hour 's worth of audio recordings of these calls and never received a call back.
Stellar Recovery states that they can not do anything and XXXX states that because it has been turned over to collections THEY ca n't do anything. I 'm stuck in the middle with nearly a XXXX point hit to my credit report and neither company will acknowledge my issue or assist in rectifying the situation.
As of my conversations with XXXX today ( XXXX/XXXX/2015 ) their customer retention specialist " XXXX '' acknowledged that there was a balance I owed of {$5.00} BUT XXXX owes ME {$40.00}!
Again, this is on my credit report, XXXX owes ME money, and no one is willing to correct the issue. |
Improper use of my credit report | I keep getting loan offers an cars approved loans tellamarketers |
Cont'd attempts collect debt not owed | On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place. |
Incorrect information on credit report | I had a public record for a unpaid tax lien for NYS through XXXX XXXX XXXX that I provided proof it should have been vacated and deleted. Experian did delete it- and now it has reappeared. I am trying to buy a house-and this is causing a tremendous financial strain- as it has made my fico score drop. |
Cont'd attempts collect debt not owed | Last fall my social security account was compromised. Nation Star Mortgage keeps calling me telling me I have an account with them. Which I do not. My credit report is excellent ... no breaches have been detected. I hesitate to give them my last XXXX digits of my social security number to inquire about this alleged account. |
Incorrect information on credit report | Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ). |