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Incorrect information on credit report | I have been trying to correct problems of incorrect information on my credit report, from XXXX, XXXX and Equifax Credit Reporting Agencies, I have told these reporting agency that some information of these reports are incorrect, but they refused to take off this incorrect information, this is very upsetting to me, when I know that this information is wrong, They also have old accounts older than 7 years reporting on my credit history and I have closed and paid out accounts and they are still showing on my credit report, I want these accounts off of my credit because they are paid and closed. The credit reporting agencies are reporting false information and just do n't want to remove these accounts from my history. I am tired of trying to get these issues resolved and this is why I am writing to you for help. This is unfair and I want something to be done about this. Please, help me to get these situations resolved. Credit Reporting Agencies are suppose to report accurate and correct information, when they report false information on a report, it effects the status of our credit score. Also I am also having problems with one credit card company customer service workers who keeps adding a late fee on my credit card and I am never late in paying on time. As a matter of fact I pay over the amount due each month and always pay before the due date. One customer service representative, told me the reason I got a late fee was because I paid too early. Who have ever heard of such a thing like this. This is CRAZY!! Each time that I called this company they try to justify why I owe the late fee, when I threaten to write a letter to the Attorney General and complain then they take it off. I am so sick of these Customer Service Workers trying to get money unfairly from consumers who are working hard to pay their bills and then are getting this kind of treatment. Yes, this is unfair and unlawful for things like this to continue. If every consumer would do more complaining these kinds of practices will not be happening. Help! Help! Help! |
Cont'd attempts collect debt not owed | My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years. |
Cont'd attempts collect debt not owed | Have no idea what these people are calling about I do n't owe anybody anything I have not defaulted on anything!! These people call incessantly using a XXXX and leave long disturbing messages on answering machine. They only give number to call them back which I will not do. |
Cont'd attempts collect debt not owed | I first received a phone call from " XXXX '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The XXXX phone call attempt from AC & F I was not available to come to the phone, XXXX told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. XXXX called back a few hours later, at this time I answered the phone. Our conversation began with XXXX telling me that I owed money for a past debt in the amount of over {$3000.00} from the company " XXXX ''. I responded quickly telling him I have never owned or been billed for a " XXXX '' credit card and therefore he had to have had the wrong person. That is when he began asking me personal financial information about myself just to " check '' if he had the right person. He asked me what my address was, what my social security number was, banking information, etc. I refused to answer these questions and told him that if he is trying to collect a past debt from me HE SHOULD HAVE THAT INFORMATION in front of him. He assured me that he did indeed have all of my personal information in front of him and that he was just asking so that he could verify this information. I than asked him to please read to me the, address, social security number, and name of the banking institution he had on file for me, he only gave a false S.S. number before I stopped him and told him once again that HE HAD THE WRONG PERSON. After about a half hour of XXXX trying to " trick '' information out of me I finally got him to agree that he had the wrong person, he apologized for the inconvenience and we hung up the phone. The next day my company received another phone call from XXXX again. He began the conversation this time the exact way he began it the day before as if we had'nt even spoken with each other before. When I reminded him that he had called me yesterday and I thought that we have resolved the issue, he just ignored me and kept going on with his interrogation for my personal information. This time I told him to please verify where I applied for this " XXXX '' card, where I made the so called purchases, what address and name was " XXXX '' sending statements to, in regards to this account. He tried avoiding the questions and it seemed to me that he would pause, as if he was being fed information to repeat back to me. I told him to send me as much information as he had on this account so that I could look into it myself. He told me he could not send any of the information. I told XXXX that I needed to look into this issue more and asked him for his phone number so that I could call him back once I found out more about this issue.
Once I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years. |
Cont'd attempts collect debt not owed | THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in.
They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management.
I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX. |
Disclosure verification of debt | Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full.
They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt. |
Communication tactics | My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ).
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!! |
Cont'd attempts collect debt not owed | XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ). |
Unable to get credit report/credit score | I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with. |
Cont'd attempts collect debt not owed | Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity. |
Communication tactics | I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages. |
Dealing with my lender or servicer | XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance.
Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me.
I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well.
Thank you kindly for your consideration, time and immediate attention to this matter. |
Communication tactics | As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up. |
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 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/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX. |
Cont'd attempts collect debt not owed | I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times. |
Incorrect information on credit report | I had credit cards with XXXX and XXXX XXXX XXXX. XXXX agreed to take a settlement, but agreed to remove any negative info off my report if I paid the settlement. I paid, but they left the late pays and settlement status. I felt they lied to get me to pay and now they wo n't discuss it. XXXX XXXX XXXX helped me by setting up a payment plan. They advised everything would report Paid as Agreed and no late pays. However, I still see several late pays on all XXXX credit reports. I 've since paid off B of A in full. |
Cont'd attempts collect debt not owed | Calling for someone that does not live with me and never has. |
Incorrect information on credit report | I am having difficulty trying to file for a credit card or to receive a credit card due to that I have a XXXX brother with the same last name and same first but our middle names are different. our social security numbers are different by XXXX digit cause we were born XXXX as XXXX. XXXX are XXXX individual people, not XXXX person. When trying to file for a credit card, the credit bureau 's see XXXX different social security numbers but when they see the same first and last name, everything is refered back to XXXX person and only being XXXX person since having the same names but the system ca n't detect a XXXX digit difference in social security numbers. The United States XXXX can Identify XXXX separate human beings with XXXX different social security numbers and see the complete name, first, middle and last, they do n't see only first and last name. This problem has been going on for the last 7 years and yet to this day credit bureau 's have not identified or tried to prevent these kind of situations believing that XXXX people with the same fist and last name but XXXX digit difference in social security is still only XXXX person. Were both veterans, we have XXXX different XXXX discharge papers, both identifying both of us as XXXX different people. I hope that the system is n't discriminating towards Hispanics that have identical names but yet XXXX different social security numbers. |
False statements or representation | Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information. |
Improper use of my credit report | I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports. |
Disclosure verification of debt | I noticed this discrepancy on my credit report, however, I do not know where this debt is from. |
Cont'd attempts collect debt not owed | I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed. |
Cont'd attempts collect debt not owed | I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request. |
Cont'd attempts collect debt not owed | called and said they have been trying to contact me and will take matters in their own hands. |
Disclosure verification of debt | I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit. |
Improper contact or sharing of info | Company called my employer regarding me, and left a message identifying them as a debt collector. |
False statements or representation | On Wednesday, XXXX XXXX 2015, a company called EOS-CCA called me referencing my student debts. They informed me if I did not enter into a " XXXX '' as of the date listed above, I would be subject to having charges pressed against me, and that my interest rate due to the contract of the Federal Student Loan I signed at the time I was in school has now risen to 6.8 % DAILY. The amount they said I owed was {$3000.00} dollars above the actual amount. After fearing that I would not be able to make my student loan payments and would be XXXX, they directed me to a website ( XXXX ) where I can print a " XXXX '' and send it back via e-mail. After feeling some relief that I would now be able to handle my student loans and would not be subject to face charges pressed against me, I did some research on the company only to find out they are a fraud. The phone number they called me from is XXXX, the extension number given to me was XXXX, and the " account handler '' only gave me her name as " XXXX ''. On the " XXXX '' I submitted to them, I gave them personal information such as, date of birth, home address, phone number, family size and my social security number. |
Dealing with my lender or servicer | I attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company. |
Communication tactics | Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine |
Credit monitoring or identity protection | Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at Transunion, XXXX 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 |
Credit reporting company's investigation | Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound. |
Communication tactics | The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more. |
Cont'd attempts collect debt not owed | I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA |
Incorrect information on credit report | XXXX THIS WAS NEVER A CHRGE OFF, ACCT WAS PAID IN FULL AND I HAVE MY TITLE TO MY XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED USER |
Dealing with my lender or servicer | Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period |
Improper contact or sharing of info | I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls. |
Unable to get credit report/credit score | I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous.
regards |
Disclosure verification of debt | I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt. |
Communication tactics | Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me. |
Disclosure verification of debt | There has been a collection account placed on my credit reports that I have no knowledge of. The account is listed as Enhanced Recovery Corp, Acct # XXXX. In or about XXXX 2014, I sent a letter to this company via the address provided on my credit reports. The letter was sent in request of validation of this debt according to my state laws - Texas Financial Code 392. As of today, it has been 60 days and the company has not provided any information that proves that this debt belongs to me. I have requested verification via the credit reporting agencies but have not been provided any information. |
Dealing with my lender or servicer | I called and asked Navient to stop robo calling me and my cosigner 's phone number because I was XXXX days late on my XXXX. I told them what date I would be making a payment and tell me that because it is an automatic dialer they can not stop the harassing phone calls.
I just want them to stop calling. Can I get some assistance with that? |
Incorrect information on credit report | The company never provide me with invoice to support the bill and the amount they request me to paid so I was never able to verify the authenticity of the invoice. It 's was a medical bills but never send any bill. |
Credit reporting company's investigation | there are items on my credit report from XX/XX/XXXX, XXXX, close to XXXX plus years and Experian refuses to validate the debt or information, their response is, - ou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.
** There is also an account from XXXX XXXX and per Experian, they will not reinvestigate the account becuase it was validated in XX/XX/XXXX, over 7 years ago. The exact wording is - This item was updated from our processing of your dispute in XX/XX/XXXX. |
Incorrect information on credit report | I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me. |
Cont'd attempts collect debt not owed | I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them. |
Cont'd attempts collect debt not owed | My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it. |
False statements or representation | my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received.
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money. |
Taking/threatening an illegal action | XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX?
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them!
What should I do??? |
Cont'd attempts collect debt not owed | Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money. |
False statements or representation | I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam |
Disclosure verification of debt | originally owed a credit card debt to XXXX XXXX bank back in XX/XX/XXXX that apparently was closed in XX/XX/XXXX an sold to collections for the amount owed {$2500.00}. Was unable at that time to take care of it and thought it was unusually long for them to keep the debt opened for so long before closing it. Am trying to fix credit now but new collector ( midland funding ) is now charging almost double the original amount - {$4000.00}. please help it is the only debt holding me back from succeeding in any business and they are not willing to give any explanations for this old credit card debt. |
Communication tactics | Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!! |
Incorrect information on credit report | I received a disturbing letter in the mail that XXXX of my credit card was cancelled due to inactivity and delinquency. So, I decided to open my free credit report and found out that my XXXX XXXX credit card account is the one that caused of delinquency. Prior to this noticed, I received a call from XXXX XXXX customer service and stated that I had missed my payment for last XXXX XXXX, 2015. I told the customer service that I am not aware about the bill because I did n't receive XXXX and as far as I know I made my payment and paid off my balance back in XXXX 2015 since when I called over the phone to make my full payment the guy I spoke to said that my current balance was XXXX when I asked him " please tell me what 's my current balance? '' I made my full payment on that day and I have n't use the card since then until sometime this XXXX ( about XXXX week of XXXX was my last purchased worth of {$72.00} ). The following week after I purchased from XXXX XXXX I received a phone call from a toll free number stating that they are calling from XXXX XXXX. I was surprised to received a call because I know I did n't have anything that as far as I know I owe from this store. So, I called them after work due to a call from them every XXXX hrs which I received on my phone. I spoke to their customer service and asked them why they are calling me almost every XXXX hours? The customer rep said that I am overdue of {$12.00} something. I was surprised when I heard that! I told him " how can I be overdue if I just purchased from their store not even a week ago? '' The customer rep said that I did not make my payment for XXXX and XXXX 2015. I was shocked hearing this! I told him " how can I owe you that money if I made my full payment over the phone last XXXX 2015 since the last customer service rep who helped me said that I do n't have a balance anymore since I made my full payment? '' I even insisted to this guy to check carefully because I am not receiving any bill either online and not even a billing statement at my home. I told him if I knew I owe you that money I would pay it! I even told him " you know how I pay my bills? I paid them off right away! '' And I asked to speak to his manager so that I can get this straighten out! He refused to transfer me to his manager. He said he can help me and not needed a manager to get involve that is why he was there! And while I was speaking to him, I had another call on the other line coming from their company! I was so XXXX off! I told the guy I was talking to " what is this? I am called you already regarding this matter and yet you still have XXXX of your co-worker calling me about this {$12.00} your saying I did n't pay! '' Wow! This is ridiculous! I ca n't believed this! So, the guy said I am reading the notes here from your last call and that you made your full payment of what the balance was shown but after you made the payment they posted a few days later the {$6.00} of interest fee that you were not aware since it was posted after you made your full payment. So, I told him that I was not aware at all because I never receive any bills online or even a billing statement sent to my home at all! I told the guy that if I only knew about this, I would 've paid it off right away! But since there was no means of communication at all from XXXX XXXX, I had no idea that they were putting me in collection for things that I am not even aware off! The customer service representative said that he waived the {$12.00} due since I was not notified at all with this billing statement. At the same day, I paid off the total amount I was due on XXXX XXXX, 2015. I told him to listen to the conversation that was made during my call in XXXX 2015 and he can verify from there that I paid the full balance. And yet, I was surprised that they reported me for delinquent account eventhough it was not my fault. Please kindly take a look at this complaint. See attachment. |
Disclosure verification of debt | I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected? |
Can't repay my loan | My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then.
I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone.
I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts. |
Cont'd attempts collect debt not owed | HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. |
Credit reporting company's investigation | In XXXX 2015 I purchased a car for my daughter, paying CASH.
Equifax reported that my credit rating was too low to buy a car using cash?
They reported my bank account at XXXX % of its actual value.
They said my rating had to be lowered. |
False statements or representation | XXXX XXXX XXXX XXXX had originally provided us with XXXX ( XXXX ) beginning in XXXX 2013 and was covered under our health insurance at the time. The new insurance card was sent in ( under the same job/insurance provider ) around XXXX 2013 and a couple of months later when we called XXXX to refill the prescription they notified us that the insurance was now out of network and they would no longer be able to fill our prescription. This not only severely jeopardized my wife 's health but left us scrambling to find a new provider and going weeks without her weekly therapy. They notified us at this time that they would " take care '' of the insurance problem and we would not be responsible for any added costs due to what they described as " their XXXX ''. It was at least 6 months later that we received the first bill which included the charges incurred during this period of time. We have tried multiple times to contact XXXX and every time we have been told by them they would contact their supervisor and discuss our case and call us back. They have never called back to discuss these issues. The account has now been sent to a collection service who is attempting to collect on the debt which is XXXX % more than the out of pocket maximum under the insurance plan. XXXX has never been able to give us a straight answer regarding this problem. |
Incorrect information on credit report | Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come |
Incorrect information on credit report | I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so. |
Cont'd attempts collect debt not owed | I paid back the loan ( TWICE ) |
Improper contact or sharing of info | XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets. |
Cont'd attempts collect debt not owed | I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York. |
Incorrect information on credit report | I have contacted Equifax over XXXX times concerning this issue ; they say that I am being verified electronically however I informed them that the information is incorrect and that I was not in FL when the supposed medical bills occured. They refuse to remove the negative info from my credit report. All of the other credit agencies have removed these doctor bills as the company couldnt prove conclusively it was me. Equifax is refusing to cooperate. This has been going on for over a year. |
Dealing with my lender or servicer | I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency. |
Disclosure verification of debt | I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account. |
Credit monitoring or identity protection | MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED |
Unable to get credit report/credit score | Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card |
Incorrect information on credit report | This information is incorrect, and by law is required to be removed however experian has not done so.
I have spoken with XXXX XXXX XXXX the creditors payment solution dept whom admits the information is incorrect. This incorrect information was removed from other credit reporting agencies yet remains on the experian reports a a negative factor. Per experian staff this case has been investigated, if this was true then why has n't experian abided by the law and removed wrong information from my credit report. Due to experians unlawful reporting of incorrect information on my credit report my ability to obtain credit and or receive the appropriate interest rates have been negatively impacted.
I want this resolved expeditiously by removing the information from my credit report.
credit report s proved to be a very |
Cont'd attempts collect debt not owed | I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent.
I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line. |
Improper contact or sharing of info | Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy! |
Incorrect information on credit report | Credit bureau " Equifax '' had mixed my credit report information and my brothers credit report information. I contacted them in XXXX XXXX about this issue and after sending over requested proof and verbally telling them all of my accounts they did an investigation and started my credit file with them. Until XXXX/XXXX/XXXX I did not have a file with them, however I have credit history from at least XX/XX/XXXX.
My current issue is that my accounts are not updating currently to show the most recent information, they show incorrect balance information and other incorrect information. I believe this is is because my file is still mixed with my brothers, my brothers credit file still includes my name, social security number, and all of the accounts that are listed in my credit report.
Equifax 's inaction to correct these issues has caused financial harm to me by listing incorrect information on my credit report and reporting a lower score than all other credit bureaus because of this incorrect information.
I contacted them on XXXX/XXXX/XXXX about this issue and they told me it would take several weeks to hear back. At the end of the call the service rep spent five minutes pressuring me to buy their credit monitoring for {$12.00} a month so that I can " see the status of this investigation. '' This is a clear conflict of interest ; Equifax has a incentive to not correct mistakes and refuse to update my file and follow up with my complaints when I do not subscribe to their service in order to pressure me to subscribe to their service so that I can see what is wrong with my credit report. An " annual credit report '' for free is not sufficient when issues like this arise, in cases of valid disputes credit bureaus should allow online access to credit report file for free from the start to the end of an investigation.
Thank you for reading. |
Incorrect information on credit report | I have XXXX judgements against me. At the time of service I had medical insurance to cover me. Instead of my insurance being billed I was directly sued by the medical provider. I 've contacted the XXXX and XXXX XXXX about this matter & was given proof that I had insurance coverage at the time of of service. I sent a written letter to each credit bureau with a copy of proof of insurance at the time of service requesting they remove it immediately off my credit and they have yet to do so. Please help me because I 'm being denied credit cards home loans and renting a place because of these derogatory remark. |
Disclosure verification of debt | I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation.
They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it. |
Cont'd attempts collect debt not owed | This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use |
Incorrect information on credit report | Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ).
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late.
In XXXX, the XXXX XXXX was paid within 30 days. |
Incorrect information on credit report | I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ...
Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}.
Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance.
If necessary I will obtain the court abstracts as proof of the judgments being satisfied. |
Cont'd attempts collect debt not owed | This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection. |
Communication tactics | XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call. |
Cont'd attempts collect debt not owed | I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you.
SincerelyXXXX XXXX XXXX |
Credit reporting company's investigation | I mailed and faxed a complaint to Equifax back on XXXX XXXX, 2015. I have yet to receive a response and have provided them with proof that the company that I 'm disputing is no longer in business. I would like the account in question removed from my credit due to FCRA violation of not investigating within a timely manner and the fact that the account is unverifiable. |
Incorrect information on credit report | In XX/XX/XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XX/XX/XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report. |
Taking/threatening an illegal action | After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam.
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear.
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway.
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX.
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe. |
Credit reporting company's investigation | I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal.. |
Communication tactics | They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling.
In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message.
Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. |
Dealing with my lender or servicer | I have received notice from my student lender, Navient, that they are not receiving my payments. My payments are however automatically made from my bank account for years to the previous company, XXXX XXXX, and I have never had a problem. This issue began in the last month when my check was, for the first time, not cashed by Navient. I have tried contacting them through an online form and received no response. I tried calling them at the customer support number on their website, and the number goes into a never ending loop where an actual customer service agent never answers the phone. As I have never been late for a payment, have impeccable credit and now risk an implication on my record due to the company 's own inability to manage its clients, I am filing a complaint in an effort to expedite a resolution. My automatic payment has gone to XXXX XXXX again for my XXXX payment as per the regular monthly schedule, and I fear it will also not be collected. In the absence of a conversation with Navient I am however unable to resolve this issue and therefore require assistance. |
Cont'd attempts collect debt not owed | I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today |
Cont'd attempts collect debt not owed | I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit. |
Disclosure verification of debt | Phone call was received, the medical debt collection agency identified themself as a law firm. No statement regarding this debt has been received and when asked for information he said he would forward it to the attorney. He continued to say this when asked for more information regarding this debt. And he said this XXXX times. He spoke to a spouse regarding this debt, which without prior authorization from me, the patient, I feel is a violation of XXXX. The caller was hostile, threatening and vague. When explained that there was no difficulty in paying the debt once we had received verification of their company, he continued to refuse to agree to send us any information in writing regarding this debt. |
Communication tactics | Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me. |
Taking/threatening an illegal action | I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it. |
Incorrect information on credit report | Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information.
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX.
FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc. |
Dealing with my lender or servicer | In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time. |
Communication tactics | This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful. |
Cont'd attempts collect debt not owed | I received a complaint in XX/XX/XXXX from Midland Funding LLC assignee of XXXX Bank XXXX. I answered the complaint to state it was not me. The matter was dismissed. Again now in XX/XX/XXXX I have another complaint from Midland Funding LLC assignee of XXXX Bank XXXX. I had to spend money again to answer the complaint and I have to miss a day to spend it in court. I want them to stop sending me these complaints. |
Incorrect information on credit report | XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport |
Taking/threatening an illegal action | XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up.
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX |
Cont'd attempts collect debt not owed | XXXX charged me a termination fee in error. XXXX turned this over to a collection agency for collection. XXXX has reversed the charges but the collection agency keeps trying to collect it. I have contacted XXXX numerous times. They said as soon as I dispute the charges then they will send a letter to the collection agency. Please help!! |
Incorrect information on credit report | Landlord cash my last check before I broke my lease and still put my account in collection spoke with collection agency who does n't want to remove this from my credit. |
Disclosure verification of debt | I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there. |