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Cont'd attempts collect debt not owed | Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever. |
Incorrect information on credit report | XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX.
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian. |
Credit monitoring or identity protection | Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX XXXX, and Equifax. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission.
The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay.
I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX |
Cont'd attempts collect debt not owed | I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest. |
Improper contact or sharing of info | Every call with the collector has been rude and abrupt. I have made an attempt to make a partial payment online which I was later told would not go through. i was told that I could not qualify for settlement because the balance was less than {$500.00}. I was told I could make payment in full for deletion because I was calling a day later than when the deletion was offered. I was also told the only payment that could be taken today was for the full amount not for the partial amount. I am certain there are XXXX complaints about this same agency. They make no effort to communicate appropriately or to actually get the debt paid. I would think that paying something is better than not being allowed to pay anything. |
Cont'd attempts collect debt not owed | THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! |
Cont'd attempts collect debt not owed | debt was discharged when home was foreclosed on over 8 years ago |
Cont'd attempts collect debt not owed | I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received.
I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account.
I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe. |
Incorrect information on credit report | A company under a name of XXXX has an inquiry on my trans union credit report and there 's no way to remove it according to trans union online portal. This was a result of identity theft issue. |
Cont'd attempts collect debt not owed | THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! |
Credit reporting company's investigation | again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me. |
Incorrect information on credit report | I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help. |
Improper use of my credit report | On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX.
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters.
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX. |
Taking/threatening an illegal action | XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account. |
Unable to get credit report/credit score | i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you |
Unable to get credit report/credit score | I am entitled to a 'free ' credit report from each company. I may have answered XXXX question for the Experian verification incorrectly concerning the XXXX XXXX -I had owned XXXX for several years- I 'm not sure. I did answer questions correctly for Equifax verification and it also indicated that for my protection the site was unable to provide the report to me online & if I want it I need to submit the form by mail. I did n't do the last company because I need an answer quickly. I will call but I do n't understand because I gave correct answers to the XXXX verification request. |
Improper contact or sharing of info | I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me. |
Can't repay my loan | I am a mother and co signer of my daughters private student loan of {$65000.00}. When she XXXX the job choices and pay were below the standards of what she expected to make. With a XXXX degree XXXX she is only making {$11.00} and hour. Living in XXXX XXXX the cost of living is high and she can not afford to live and eat as well as pay a {$500.00} payment to Naviant. We are disappointed and angry after calling numerous times to see if they can work with her to make it possible to pay less. My daughter and I both are experiencing financial undue hardship because of this. We are considering defaulting and just walking away.. The new name Naviant use to be XXXX XXXX. They refuse to budge or work with us. They will take the chance of getting nothing $ $ from us ... |
Disclosure verification of debt | Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time. |
Incorrect information on credit report | I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you. |
Cont'd attempts collect debt not owed | I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything. |
Dealing with my lender or servicer | In 2006, I took out a {$5000.00} loan for school through a private loan company called Loan to Learn. I did not have a solid credit history so they ask for a co-signer. My mother agreed to co-sign the loan so that I could go to college. The interest rate was outrageous ( 30 % ) but at that time I did n't think I had any other options. I made regular monthly payments on the loan for about XXXX years. At that time, my mother was filing for bankruptcy and we were told to stop making payments on the account because it would be included in the bankruptcy.
At the time I stopped making payments, I had been making payments to repay the loan for XXXX years and the balance was over what was originally borrowed. I was contacted many times by the company and was told by a man, supposedly in charge of repayments or something, that there was no way the debt would be discharged in the suit and that I needed to make a payment of I would be at risk of being sued. I started repayments again but at that time the account was in collections and being handed by a collection company whose name escapes me. Being a person of integrity, I set up a repayment plan with that company and had the payments automatically taken from my account so that I would n't run the risk of forgetting a payment.
After about XXXX months, I started to get calls from another collection agency claiming I had n't been making payments on my Loan to Learn debt. Confused, I asked who I had been making payments to, since they were not going to the correct people. The collection agent said he did n't know but I needed to start paying now. I was frustrated and exhausted from trying to do the right thing and getting nowhere. After a little research into payments to the original collection agency, I discovered that that company had stopped taking payment after XXXX months and failed to let me know. I was again, behind on my payments to this company. I refused to start another payment plan with this new collection agency since there was no assurance my payments would be made or that I would ever get this debt paid off.
Shortly after that, I received a statement from a company called XXXX who apparently bought Loan to Learn and all of it 's debtors. I have refused to pay them as well. On my credit report it shows the debtor 's name as Loan to Learn, not XXXX. So to whom do I owe my hard earned money? I went to talk to a lawyer about a possible bankruptcy and was told there was no guarantee that he would be able to eradicate my debt so he advised me to go a different route.
It 's been almost XXXX years since I took out this loan to attend classes at a XXXX college and I now have an outstanding debt of over {$7000.00} with this company. The really surprising part is that I am almost positive that I have paid pretty close to the original amount borrowed at this point in my payment history with this company. With the interest rate and the fees, I feel like I will never be able to pay this debt and it 's ridiculous to think that companies like this are able to do business. I am a good person who pays her bills on time. My XXXX and I want to get married and we want to start a family but none of this can happen with this debt unresolved. I just want to move on with my life but this financial mistake has endlessly followed me. I do n't wish this experience on anyone and I hope my story helps the next XXXX. |
Disclosure verification of debt | When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount.
I find it very unethical of this company to let so much interest add back up to such a high amount.
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off. |
Communication tactics | I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me. |
Cont'd attempts collect debt not owed | Hello, I have received notice on my XXXX and XXXX credit report stating that I owe {$660.00} to XXXX and this is impossible due I have currently have my cell phone, internet, home line through them for over 10 years. There must be a mix up somewhere. I called XXXX and they have no record of this, They dont want to lose a value customer over a misunderstanding somewhere but not on there end. Please look into this. This is affecting my reports.
Thanks, XXXX XXXX |
Incorrect information on credit report | I submitted an FTC Affidavit with report number, an FTC Complaint number to TransUnion and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that TransUnion reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ). |
Credit reporting company's investigation | XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me. |
Credit monitoring or identity protection | Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission.
The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay.
I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX |
Taking/threatening an illegal action | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me for a debt that was open by someone in XX/XX/XXXX when i was only 15 years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XX/XX/XXXX and discharge in XX/XX/XXXX they never notify by mail or phone call also\they got a default judgment against me in stated garnishing my bank account. |
Communication tactics | I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work. |
Dealing with my lender or servicer | This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged.
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit. |
Improper contact or sharing of info | The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father. |
Cont'd attempts collect debt not owed | XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX |
Incorrect information on credit report | On XX/XX/XXXX, I requested a copy of my credit report from Equifax, after being denied credit to purchase a vehicle. Upon receiving the report and information from the dealership, I found status error 's on paid in full accounts. Specifically XXXX XXXX. I disputed the errors online with Equifax. I sent certified letters on XX/XX/XXXX which were recieved on XX/XX/XXXX to Equifax and XXXX XXXX, disputing the status of XXXX accounts. Equifax made an error saying that I was disputing ownership of the accounts. I have attached the XXXX and XXXX letters, which CLEARLY show I was disputing the late payments reported, more importantly the status of XXXX as a " charge off '' and the other as a " redeemed repossesion ''. I also requested the proceudre in which they used to verify the information with XXXX in which no procedure has EVER been completed, much less evidence of the person, process and factual information as required by the FCRA law. I have waited over 90 days, I have sent XXXX letters, each time with copies of the previous letter ( s ). Each time, Equifax LOWERS my credit score and is not responding the my requests. I can not get credit I deserve because of the erroneous and irresponsible behavior of Equifax and XXXX XXXX. I have attached ALL correspondence with copies of return mail receipts to this complaint. |
Incorrect information on credit report | I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments. |
Credit reporting company's investigation | I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX. |
False statements or representation | Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me.
She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated.
The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!! |
Incorrect information on credit report | Equifax is reporting a public record judgment on my credit report which is in error.
I sent a copy of court records, which the court clearly states that the judgment is in error.
Instead of removing the judgment from my report, Equifax changes the status to " paid and released ''. I suspect they did not even read my letter nor read the case documents which I included. What kind of 'investigation ' did Equifax conduct, and how and to whom did they conduct this? They claim to have investigated this with the XXXX XXXX Courthouse, which does not maintain the records on this case anymore. This public record, is preventing me from purchasing a home, and causing great distress. |
Cont'd attempts collect debt not owed | I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue.
Thank XXXX XXXX XXXX XXXX |
Incorrect information on credit report | In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account.
The lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate " at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following Dept. of Education guidelines by keeping inaccurate information on my credit report. I have since confirmed with Dept of Education representatives, this is untrue.
The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA.
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments.
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest.
I filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies.
The attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal |
Incorrect information on credit report | Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records.
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance.
Thank You |
Incorrect information on credit report | I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document. |
Cont'd attempts collect debt not owed | I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages. |
Disclosure verification of debt | I was contacted by Van Ru Credit Corporation by phone ( XXXX ), regarding collections for an outstanding claim which they would not identify. I called them back to request a validation notice, as well as any information on the claim, and they refused to provide it for me without my social security number. I hung up. I have not received a validation notice, nor any written communication from this entity ; therefore I can only assume fraud. |
Cont'd attempts collect debt not owed | I am in the process of getting a Security Clearance for a job and I was told by the investigator that when they checked the courthouse under my name and drivers license the following was found ; 1. Citation Number # XXXX XX/XX/XXXX, stating it was turned over to a collection company called GC Services Collection. It did n't have a amount or anything. I tried contacting this company but was unable to get verification and copy of ticket and what violation I commited. Apparently the State of california has created a new branch of government allowing a collection company to do court work. I don'r recall getting a ticket that I would not have paid the fine and the ticket be closed.
2.Citation Number # XXXX XXXX this is the XXXX ticket that is being handled by GC Services. I went to their site and they are stating that I owe {$820.00} for a ticket i know that has been paid and should be closed. Please assist me in getting this collection company acting as the court of law to remove this erroneous information. |
False statements or representation | I do n't what come from |
Incorrect information on credit report | In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account.
The lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate " at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following Dept. of Education guidelines by keeping inaccurate information on my credit report. I have since confirmed with Dept of Education representatives, this is untrue.
The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA.
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments.
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest.
I filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies.
The attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal |
Incorrect information on credit report | My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively. |
Disclosure verification of debt | When requested, Portfolio Recovery Services ( PRS ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, PRS did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation.
It took more than a year to get documentation from XXXX XXXX. PRS never forwarded or provided any proof, even after multiple requests.
XXXX did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year.
PRS never provided any verification documents even though it was requested on multiple occasions. |
Credit reporting company's investigation | I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me. |
Incorrect information on credit report | I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit. |
Credit reporting company's investigation | I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX. |
Incorrect information on credit report | In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX. |
Incorrect information on credit report | Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up. |
Disclosure verification of debt | I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail. |
Incorrect information on credit report | In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX Servicing ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status ( derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account.
The lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate " at XXXX time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following XXXX guidelines by keeping inaccurate information on my credit report. I have since confirmed with XXXX XXXX XXXX representatives, this is untrue.
The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA.
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments.
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest.
I filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title XXXX, however, no where in the Title XXXX does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies.
The attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA XXXX ( a ). Please investigate and request removal |
Improper contact or sharing of info | Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them. |
Disclosure verification of debt | Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification. |
Communication tactics | I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone. |
Unable to get credit report/credit score | everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there |
Incorrect information on credit report | I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act. |
Incorrect information on credit report | They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it!
We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact: |
Incorrect information on credit report | I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file.
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ). |
Communication tactics | We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped. |
Cont'd attempts collect debt not owed | This account has been paid. I contacted the original creditor and verified a zero balance. |
Communication tactics | I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE |
Improper contact or sharing of info | I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate.
Despite this, they continue to call my cell phone ( which costs me money ) repeatedly.
I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with. |
Incorrect information on credit report | I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit |
Incorrect information on credit report | I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB |
Disclosure verification of debt | A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!! |
Dealing with my lender or servicer | XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to. |
Cont'd attempts collect debt not owed | On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation. |
Taking/threatening an illegal action | debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15. |
Communication tactics | Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments. |
Cont'd attempts collect debt not owed | Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine. |
Incorrect information on credit report | I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions. |
Communication tactics | The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human.
In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported.
I also did not receive mail communication of the debt until after the XXXX call, when I had paid. |
False statements or representation | Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done. |
Disclosure verification of debt | Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting |
Cont'd attempts collect debt not owed | A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee. |
Credit reporting company's investigation | The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester.
While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate.
Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process. |
Disclosure verification of debt | XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt. |
Communication tactics | put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX. |
False statements or representation | In 2013 my students loans went into a repayment status, with an initial payment date of XXXX/XXXX/2013. I did not receive my repayment terms as they were sent to a temporary address and I was in the process of moving. I contacted the lender ( XXXX XXXX XXXX ) on XXXX/XXXX/2013 via their messaging system, as suggested in their emails, to inquire about placing my loans into a deferment status XXXX derogatory reporting had not begun ). The response from the lender was to complete an eligibility quiz on their website, and submit produced form, to which I obliged. In XXXX I retrieved the response, and submitted the form produced after completing the lenders eligibility quiz to the loan deferment department as directed, and assumed my loans were placed in deferment as indicated on the website.
Two months later I noticed derogatory marks on my credit report and contacted the lender, at which time, due to their mistake, they agreed to backdate my forbearance and " remove all delinquencies '' from my account.
The lender has since refused to pass the updated account information along to the credit reporting agencies. I have disputed the delinquencies with the lender, credit reporting agencies, and the ombudsman on several occasions, however, the lender is refusing to update the account information stating because it was accurate " at one time '', they do not have to remove the derogatory remarks from my account. In addition XXXX stated they were following XXXX guidelines by keeping inaccurate information on my credit report. I have since confirmed with XXXX representatives, this is untrue.
The lender 's failure to report complete and accurate account information is a violation of the FCRA section 623 ( a ). Furthermore on XXXX, I was advised the lender would not report any of my payments while the loan was in deferment status, and advised I put my loans into a repayment status if I wanted my payments to be reported, this is also a violation of the FCRA.
At the advice of the lender I removed the loans from deferment, and they have since started reporting payments.
I have since learned that not reporting payments to an account is a violation of the FCRA and requested to have my loans account changes removed. My loans have been placed back into a deferment status, however, they have not reversed any of the compounded interest.
I filed a compliant with the Ombudsman and was advised on XXXX by representative XXXX XXXX that student loan lenders are required to follow the same regulations as other lenders and directed my to the Title 34, however, no where in the Title 34 does it state that it negates other Federal Regulations, in fact there are several references to compliance with FCRA, therefore the lender is not above government guidelines and must report the retroactive deferment status, and removed delinquencies.
The attached documentation shows my accounts were in a General Forbearance starting XXXX/XXXX/13, meaning no payments due from that date forward. However they are reporting my as delinquent in XXXX, XXXX, and XXXX 2013. Their failure to update the credit reporting agencies with the retroactive deferment date and updated payment statuses is a violation of FCRA 623 ( a ). Please investigate and request removal |
Cont'd attempts collect debt not owed | My medical insurance covers yearly physicals at 100 %, and I verified XXXX XXXX XXXX XXXX XXXX 's office that the visit on XXXX/XXXX/2013 would be billed as a physical. When the bill was sent, {$250.00} was billed as a physical ( and therefore paid in full by insurance ), and {$130.00} was billed as a " Room Rental Fee '', so it was not covered by insurance. ( Note that this charge was reduced to {$96.00} by a discount for having insurance. ) I never rented a room from XXXX Hospital, nor did I authorize them to charge me to rent a room. The physical was not performed at the hospital, and I was only in a patient room for the couple minutes it took to complete the physical. When I contacted the hospital on numerous occasions to resolve this, they were unwilling to change the coding. My insurance company would have been happy to cover the cost if the bill was coded correctly as a physical. The outstanding bill was turned over to a collections agency, who ceased contacting me when I told them what had happened and that the bill is not mine, but instead a mistake on the hospital 's part. The hospital has now turned this charge over to the credit bureaus, which has hindered my ability to purchase a home as my score dropped by around XXXX points. I am contacting you because as a consumer this is my only course of action to get this problem resolved without involving legal action, which will be my final step if this is not able to fix the error. |
Taking/threatening an illegal action | XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him. |
Incorrect information on credit report | I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action. |
Communication tactics | put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer. |
Taking/threatening an illegal action | XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY. |
Incorrect information on credit report | I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account. |
Taking/threatening an illegal action | I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED |
Dealing with my lender or servicer | I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases.
While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases? |
Unable to get credit report/credit score | The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX.
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect. |
Unable to get credit report/credit score | I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit. |
Dealing with my lender or servicer | School : XXXX UniversityLocation : XXXX, XXXX took out my first loan in XX/XX/XXXX to pay for college when my parents fell on hard times. The loan is with Chase for {$11000.00} and has accumulated over {$8800.00} in interested since the beginning of my loan. I have paid over {$2800.00} on the loan but it continues to increase as payments have little impact on the principal of the loan. I began contacting Chase in XX/XX/XXXX regarding issues with payment application and was told multiple times that payments are only applied to interest. By end of XX/XX/XXXX, I had paid interest down to less than {$300.00}. Since then over {$6000.00} has accumulated in less than 4 years. I have since contacted Chase on over XXXX occasions.
The various changing statements and loan notices have been confusing and difficult to understand often missing information regarding the accumulating interest. XXXX of the major issues is the fluctuation in interest charged each month. I have been told interest incurs about {$5.00} a day and can change each month resulting in variation in monthly interest. Therefore, Chase is unable to give me a calculated amount of interest for each month. I have also been told my interest rate changes quarterly, however documents reflect no changes in my interest rate each quarter. I have requested a breakdown of monthly interest charged to my loan since the begin specifically searching for an explanation in interest growth over the last 3 years. This request has either been denied, ignored or responded with copies of statements for the last 6 months. I have requested an amortized schedule and was immediately denied. I was told this information would be available through my online account, but the online account only supplies access to most recent statements.
Because Chase no longer provides student loans I was informed I can not refinance my loan with Chase. I am also unable to refinance this loan with my bank due to my student loan being drastically greater than my income. I have offered to settle on XXXX different occasions, however I have not received responses for my request.
I am struggling to pay my student debt and will eventually be unable to pay this loan at the rate it is increasing. I recently received a notice that my loan will be transfer to XXXX in XXXX. |
Disclosure verification of debt | XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately. |
Cont'd attempts collect debt not owed | This company calls constantly and will not stop. |
Can't repay my loan | I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments. |
Disclosure verification of debt | Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also |
Cont'd attempts collect debt not owed | I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine. |