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Disclosure verification of debt | I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report. |
Cont'd attempts collect debt not owed | A delinquent account not belonging to me was linked to my credit report. The delinquent account belongs to another individual with same first/last name living in the same city as me, but different SSN. When I disputed it with the collection company, their response was that they confirmed that I am a current XXXX Customer which was initiated in XXXX 2012. Additionally, charges incurred in that delinquent account # XXXX date back to XXXX 2012. Neither parties have been cooperative in my attempts to clarify the confusion. |
Unable to get credit report/credit score | LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE. |
Dealing with my lender or servicer | I was recruited by XXXX College in 2010 to attend XXXX in XXXX XXXX, FLa. I spoke to XXXX in the college offices and he said that getting federal loans and student aid was n't enough to cover tuition and said that I needed to apply for a private loan. He gave me the website/phone to go to and said that I needed to use this lending company because this is the XXXX the school goes through. They also said that I when I get approved, I would get a loan disbursement of $ 700 monthly for housing and had to pay 20 $ per month for interest to the lender. After applying and being approved for this loan I started school and as promised they gave me a check of 700 $ each month but I had to pay the {$20.00} each month or did n't get my check. Then when the second half of school started they made me apply again to genesis lending services, telling me that the XXXX time I applied it was only for the first half of school year. Not only did I have to re-apply but they charged me XXXX the interest on the XXXX part of the loan and increased my loan interest payment to {$100.00} per month. When I asked why the interest payment went up they said that this is because my loan amount increased. I said but you told me that interest payment through school was {$20.00} per month and now you tell me that I get 800 $ per month for living expenses but I have to pay {$100.00} of it back every month. I was not working and trying to support myself and my family while in school. They also promised help getting work while in school which consisted of them handing me a pre-printed listing of employers in the area that could be, could be hiring. The school also guaranteed to help find and obtain employment at time of graduation. This did not happen. I had to find places that were hiring and obtain all information about those places and apply, they just called to say that I did graduate and that I would be a good employee. They never said that this school has a very bad reputation with the XXXX and employers wont even look at you when you say that you went to that school. Every place that I put an application in in Florida, was immediately rejected because of the school I attended.
I do n't think that this is a legal practice and until now I did n't know that I could fight this without having to pay a lot of money and obtain a lawyer. Before I agreed to attend XXXX, I was told that with my school loans and such payment would be approx. {$180.00} per month ... Ha! My school loan payment was over 800 $ month ... I can not afford that. I only make {$13.00} per hour for XXXX hrs a week. I have a family of XXXX and take care of my in laws as well.. When I call Genesis lending they tell me that they can reduce my payments for a short period but will add interest and charges, etc to the back of my loan. They still want XXXX $ per month plus I have had to put XXXX XXXX on hold because of this. I know that XXXX College had put a significant amount of money to help with past and present students because of this loan scam. I thought I signed up for that and thought I was part of that suit, but when I investigated I was not ... So this is why I am doing this ... |
Cont'd attempts collect debt not owed | I began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible. |
Disclosure verification of debt | I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to. |
Unable to get credit report/credit score | I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me! |
Incorrect information on credit report | I had a car loan through XXXX XXXX XXXX ( XXXX ). In XXXX 2011, we had a major hail storm hit our area and car was totaled out by my insurance company. XXXX still has on credit reports that I owe $ 3k. I have sent over a copy of the check from my insurance company along with where they released the title. Credit report states they still say I owe the debt, but sent no proof. I finally talked to someone at XXXX and they were like a " loan shark '' if I pay a certain amount they will take it off. I said " NO '' send me proof I owe it and he would n't. They stated maybe it was from late fees, I asked them why they would let $ 3k it late fees rack up with out repossessing, then they changed it to maybe it was when I XXXX got the car and two days later it broke down and they helped me get it fixed, I advised them that that service was offered to me and no one said I had to pay that back and please send me proof of where they paid that amount to XXXX XXXX XXXX, and he said he did n't have it. I would like this removed from my credit report ( all XXXX agencies ) since they are not willing to provide any valid proof that I owe this debit. Please let me know if you need any further information. |
Incorrect information on credit report | Have sent a copy of the police report and they have not removed from credit reports. A XXXX account was taken out fraudulently and we have provided proof to this effect. with the attached police report. I want it removed and a letter sent showing it has been removed |
Incorrect information on credit report | Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX. |
Credit reporting company's investigation | I 've made several attempts via written correspondence to TransUnion dated XXXX XXXX, XXXX and XXXX XXXX, XXXX via Certified Mail disputing the judgement by XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX who is supposed to be representing XXXX XXXX. In in my letter I 've been asking them to provide the original proper documents to verify and validate that the XXXX XXXX account had belonged to me however TransUnion had failed to properly respond to all of my requests. |
Dealing with my lender or servicer | Request for Credit Reversal and DisputeMy name is__ and I am a United States XXXX XXXX XXXX XXXX Veteran who is appalled at the treatment that I have been receiving from Sallie Mae , Inc . I 've served my country honorably as an officer for 21 years and never thought that my financial future would be scarred by a student loan company. My XXXX credit has been damaged due to errors and misinformation given by Sallie Mae loan representatives. As the cosigner on my niece 's student loans, I am requesting a credit reversal of the derogatory information that have stained my credit reports. I 've also discovered that there are thousands of online customer complaints documenting the same errors, inefficiencies and misinformation made by Sallie Mae employees.
On XXXX XXXX, 2015, I spoke to XXXX ( Sallie Mae representative ) regarding loan __. I told him that my niece and her family were undergoing economic hardship and that my retired status, along with the care of my Mom placed me in a difficult position in terms of repayment of the loans. XXXX mentioned a forbearance option. I stated to him that my niece and her father had been granted the maximum in forbearances stated by Sallie Mae. He then stated that since the family was still undergoing economic hardship that he would appeal to management for another forbearance, provided that I would pay a {$50.00} fee and give him a financial statement over the phone. I asked if deferment was an option, and he said no because my niece was not in school. I gave him the information, paid the {$50.00} fee, XXXX assured me again that he would do everything he could to get a favorable answer from management regarding the forbearance request and to keep my credit from being negatively affected at XXXX. He said if he was n't able to do it, I would receive a call. I never received any follow up calls stating that the forbearance was not approved.
On the XXXX of XXXX, I called Sallie Mae 's military division to inquire about additional programs for veterans and it was there that I was told that the forbearance that XXXX had processed was denied and the derogatory information was reported to the credit bureaus. The representative said that XXXX should have told me that it was not likely that another forbearance would be granted because of the XXXX opportunities had been exhausted. I also discovered that with the approved forbearance in the past, that Sallie Mae never went back to re-adjust the days past due and those were also on my credit reports. I paid the {$50.00} in good faith and was misinformed and disregarded.
On XXXX XXXX, 2015, my niece and her father called and spoke with XXXX ( Sallie Mae representative ) to request a forbearance for loan__. XXXX took their financial information and said that he would push for a 60-day forbearance, however he could n't guarantee it but would work hard to get it approved. They called back after not hearing from Sallie Mae on that day and was told by a Sallie Mae assistant that nothing was done yet. They were then transferred back to the forbearance department and XXXX took the call and said that everything had been take care of and that someone would call. When the payments were late, I received numerous calls throughout the day. Each time I called Sallie Mae and was told that a follow up call would be made, no one called me, regarding a status update.
During the early part of XXXX, I spoke with XXXX ( Sallie Mae representative ) and was given information that was reported after the previous forbearance had been approved. My niece and father were told by XXXX that with each and every forbearance, that it should have been only XXXX 30-day late reported. Sallie Mae dropped the ball several times and we were penalized for the misinformation and faulty loan servicing The derogatory late payment information damaged my credit-a credit reversal is requested. |
Cont'd attempts collect debt not owed | I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon |
Credit monitoring or identity protection | On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response. |
Disclosure verification of debt | I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints |
Communication tactics | I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month. |
Cont'd attempts collect debt not owed | Never had a student loan |
Disclosure verification of debt | I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate. |
Cont'd attempts collect debt not owed | First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST. |
Communication tactics | My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this. |
Cont'd attempts collect debt not owed | I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX |
Cont'd attempts collect debt not owed | I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt 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 | The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX. |
Cont'd attempts collect debt not owed | Please help me as a loan servicer, XXXX Mortgage, has erroneously reported foreclosure debt forgiveness income to the IRS on a XXXX, and they seem unable to fix it! I did not have any debt or a foreclosure with XXXX!
Here is some history : I executed a deed-in-lieu with XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX I was notified that they had transferred my " loan '' to another servicer, Specialized Loan Servicing ( SLS ). This was obviously a mistake as XXXX owned the property at this point. It took most of XXXX to work with SLS management to get my account closed, and I filed a complaint with CFPB ( Case number XXXX ). Unfortunately, in XXXX XXXX SLS transferred my " account '' to yet another servicer, XXXX, even though my account was closed! I was furious, but SLS said there was no way to stop the data transfer. SLS assured me XXXX would clear up the matter quickly as it was obvious I did not actually owe debt. Then in XXXX XXXX I received a XXXX for " debt forgiveness '' from SLS, as they had closed my account as a foreclosure! ( I had of course already received a XXXX from XXXX for tax year XXXX. ) Over the next several months I worked with SLS managers to get the XXXX rescinded from the IRS, get the duplicate foreclosure and delinquent payment reporting off my credit report, and worked with XXXX to get my account closed. All these issues take so long because every time I call these companies I have to wait 30-60 minutes on hold before I get through, and when I do, most of the time the customer service rep does n't know what to do, transfers me to the wrong department, or tells me they ca n't help. Any investigation into my documents requires I engage some " research department '' whom I can not contact directly for status. Customer service reps often misinterpret the research dept 's status, telling me the issue is resolved when it is not. Finally, XXXX closed my account around XXXX XXXX.
My Current Situation : In XXXX XXXX, I received another XXXX for " debt forgiveness '' from XXXX! This is because, when they finally closed my account, they documented it in their computer system as a " foreclosure '' which automatically generates a XXXX Over two months and XXXX or XXXX phone calls later, I have still not gotten XXXX to rescind the XXXX. I have been given the name of a manager who apparently says he is going to work the issue with " the corporate office '', however I can not contact him directly. I am getting really worried as I have to file my taxes in a few weeks and I can not do so with {$150000.00} of false " income '' being reported to the IRS.
I am very concerned as my financial information and credit reputation are in the hands of dysfunctional companies staffed with incompetent people whose slightest error can cause me hundreds of hours of work. I am very concerned that XXXX will not rescind the XXXX in time for me to file my taxes. I am very concerned that somehow, though my account is closed, my information will be transferred to another servicer who will start trying to bill me for a property I do not own.
Attached is documentation of this issue, from the original XXXX with XXXX XXXX XXXX, through SLS, to XXXX. Please warn all three of these institutions not to transfer my closed accounts. This last bout with XXXX has caused me a great deal of stress.
Please help me with the following : - Get XXXX to rescind the erroneous XXXX AS SOON AS POSSIBLE ( 2 weeks or less ).
- Get XXXX to guarantee they will not transfer my information to another lender. Would rather they delete me from their system.
Thank you. I believed filing a CFPB complaint helped me with SLS and I 'm glad to have this recourse available.
XXXX XXXX |
Disclosure verification of debt | I checked my credit report and there is a company called XXXX on my report stating I owe them {$1700.00} for what I do n't know. I wrote XXXX and they said to write XXXX, so I asked XXXX to validate the debt, they sent nothing to me. Then I wrote XXXX and asked them to remove the mark from my credit report and they will not, the keep saying XXXX satisfied them that this was my debt, so I in turn asked XXXX to send me the information they have from XXXX, since XXXX will not send me anything. XXXX refused and told me to call XXXX ... ... .I told XXXX I do n't called bottom feeder debt collection agencies and that I had previous sent mail requesting validation XXXX times since XXXX XX/XX/2014 but XXXX is keeping this bad mark on my credit report and will not remove it. Of course XXXX and XXXX are in cahoots to scam money out of hard working people. |
Cont'd attempts collect debt not owed | Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company. |
Credit reporting company's investigation | Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me.
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes.
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration. |
Communication tactics | Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying. |
Improper contact or sharing of info | XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES.
Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues.
both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs.
After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience.
Simply the worst business experience I have ever had. |
Disclosure verification of debt | THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING.
I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE. |
Disclosure verification of debt | I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them.
Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card.
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered.
XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed.
The cancellation letter and the amount to collect do not even match. |
Communication tactics | I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members. |
Communication tactics | Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week.
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either. |
Cont'd attempts collect debt not owed | I purchased XXXX months of medical insurance and it covered everything but a XXXX co-pays in XXXX 2014. This was was single coverage between XXXX jobs. Several months later I received a letter from collections for over {$300.00}. It appears the medical clinic lost the right information from my insurance and decided to bill me directly. The collections company is suggesting this is my fault even though I sent them proof of the coverage that and proof of payment for the coverage. I am not sure what I did to get this sort of harassment. |
Incorrect information on credit report | This is a correction to my previous submission : Case # XXXX.
In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''.
Since your website does not have a place to correct or add information, I submitted this form. |
Incorrect information on credit report | Experien credit bural never did anything about my complaint, They have me down as past name XXXX XXXX? that has never been my last name I asked them 12 times in 2 yrs to fix it and they refuse.
They also have me down at XXXX address on XXXX in XXXX ill XXXX and XXXX I never lived their or any address on washtenaw and they refuse to take in correct address off. they also have me at a address in XXXX ill? never live in XXXX and i asked them to take it off. they got mad at me so now they block me from dispputting online. |
Credit reporting company's investigation | I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX.
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX |
Incorrect information on credit report | XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing. |
Incorrect information on credit report | We have an auto loan with XXXX XXXX. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork again I received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what XXXX would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by re XXXX reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by XXXX NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speak This was no way in any shape or form our mistake.
Resolution I would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved. |
Cont'd attempts collect debt not owed | AWA is collecting a fraudulant debt. I disputed this with the credit bureaus and AWA responded leaving it on the file and sending me a copy of the " promissory note ''. The signature on the note is a clear forgery. I have attached a copy of this note along with a copy of my signature on a recent agreement.
They use a small " l '' in my last name..I ALWAYS write my name capitalizing the " L '' in XXXX XXXX. I print it this way and I sign it this way. The " R '' is completely different. I swirl the start of my " R '' You can see where they ran " XXXX '' together..I ALWAYS sign " XXXX XXXX '' I had called this company to see if I would qualify to cosign this note ... but I NEVER went in and signed any promissory note.
THIS IS FRAUD. |
Communication tactics | My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this. |
Unable to get credit report/credit score | My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file |
Cont'd attempts collect debt not owed | I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up. |
Cont'd attempts collect debt not owed | I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue. |
Can't repay my loan | Hello, I 'm writing about issues im having with private loans serviced by AES. I have a college degree but unfortunately do to changes in qualifications for careers using my degree ( making it more specific ) I unable to find legitimate work in my field without further schooling, which I ca n't afford. Due to this, I 've been at lower paying jobs that barely account for my living expenses let a lone student loan payments, and more currently I find myself XXXX due to a job falling through. I contacted AES about options to bring me current and lowering my payments to something I can afford but they refused saying I had already used all my options. It makes me so mad, I am willing to pay what I can every month but it does n't matter to them and now XXXX of the XXXX loans of mine they service ( the XXXX cheapest I pay religiously on auto debit ) are slowly creeping towards default and I ca n't do anything about it unless I put my family 's and my own well being at risk. And they do n't care, Unwilling to consider people 's situations and work with them, and fail to offer any real guidence. |
Cont'd attempts collect debt not owed | From XXXX 2014 to XXXX 2014, XXXX XXXX kept charging {$52.00} to my credit card although I canceled their services since XXXX. I disputed the charges and XXXX of their supervisors called and told me all charges will be credited. They made XXXX charges and only credited XXXX. Their automated system turned the balance ( {$52.00} ) to a collection agency by the name of Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX who put the derogatory charge on my credit report. I was n't aware this derogatory info was on my credit report since last year as I have been applying for loans and was getting denied. |
Disclosure verification of debt | I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all.
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up.
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search.
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad. |
Incorrect information on credit report | On XXXX XXXX XXXX I discovered there was more fraud account appearing on my file from Identity thief.I contacted all three credit bureau and discussed the matter sent a police report and aff admit to all XXXX bureaus and creditors.The bureau failed to remove the fraud accounts in a timely fashion.I had letters from the creditors who have 90 days to investigate fraud.. the accounts such as XXXX XXXX and XXXX was removed XX/XX/XXXX.After disputing XX/XX/XXXX.After going threw my report again.I notice XXXX accounts was showing on Equifax file.So I contacted the fraud department who I normal discuss my file with.The employee namely XXXX was nice and decided I need to speak to an higher office. ( office of Consumer affair ) employee namely XXXX after trying to get Him understand my creditors do report the accounts.i via XXXX Him a letter next day mail.my reports from XXXX and XXXX. And the accounts reporting and I need them to report on here cause my creditors are reporting my account.I verfied.XX/XX/XXXX All the fraud accounts was reinserted back on my file.Over XXXX accounts day by day.So I ended up calling the fraud dept.Spoke with XXXX again. He said wow What happen.He said I can see where these account were previous disputed and removed due to fraud.He transferred me again to XXXX. He never gave any indication why this happen and how to resolve this.He put each account back in a separate dispute.I called in to complaint and asked for His supervisor namely XXXX.She said fax over the documents.I fax them over.Yet it account remains in a long drawn out Dispute.i have XXXX until I 'm off work with a XXXX.after continuing to contact higher supervisor.XXXX told me he was high as it go.after continuing to contact Him .He stated XXXX was his highest supervisor. |
Incorrect information on credit report | We have an auto loan with XXXX XXXX. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what XXXX would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by re XXXX financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by XXXX FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speakThis was no way in any shape or form our mistake.
ResolutionI would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved. |
Incorrect information on credit report | My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter.
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor |
Cont'd attempts collect debt not owed | Midland Credit Management has sent letters regarding a debt of {$640.00} that I owe them. I spoke with a company representative directly and was told to disregard the notice because the SSN associated with the account did not match. The recent notice I received is threatening legal action if some or all of the debt is NOT paid by XXXX XXXX. I spoke with the original creditor ( XXXX XXXX Bank in XXXX XXXX, NV ) and was told that there was no account registered under my SSN. This account has not been removed off of any of my credit reports, and I have recent submitted a complaint to the Federal Trade Commission with an affidavit to submit to the XXXX. Someone fraudulently used either my name, address, or SSN to open and close the account. |
Disclosure verification of debt | I submitted a debt validation letter to XXXX Services on XXXX XXXX, 2015 and have a certified receipt to prove that they have received a noticed and never responded. |
Communication tactics | I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro Amex, XXXX, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX XXXX has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested.
American Express XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX.
XXXX XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX did n't ID where calling from.
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX.
These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call 3-4 times a day? |
Communication tactics | This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information.
The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet. |
Incorrect information on credit report | I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report. |
Disclosure verification of debt | I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report.
Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ). |
Cont'd attempts collect debt not owed | Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX |
Cont'd attempts collect debt not owed | From approximately XXXX XXXX - XXXX XXXX, I was appointed as an elder and treasurer of an XXXX ; XXXX XXXX. Upon appointment the leaders informally changed the name of the group from XXXX to XXXX. The XXXX leaders were begrudgingly appointed by the owner of the property where meetings were held. The owner, XXXX XXXX, transferred associated expenses for the building/property out of his name. XXXX such expense was XXXX XXXX XXXX, which provided fuel for the facility. Without my knowledge or consent, this account was apparently placed into my personal name. I had been informed that the bills would be sent to my personal address, as the treasurer of XXXX, due to the lack of a mailing address. After several disagreements with XXXX XXXX, regarding XXXX and legal matters, I separated from the XXXX organization and from XXXX XXXX, the owner of the property. Immediately upon my separation, the appointed leadership dissolved and XXXX dissolved, reverting back to XXXX. Immediately, after paying all outstanding bills, the financial matters were abandoned back to the original property owner ; XXXX XXXX. However, after contacting XXXX XXXX XXXX to inform them to stop sending the group 's bills to my address, I was advised that XXXX XXXX needed to approve this change and voluntarily assume responsibility of the account. During several telephone contacts with representatives from XXXX XXXX XXXX I disputed this, explaining that I was the treasurer of the XXXX group and was not personally responsible for the account. Confused about how XXXX XXXX XXXX personally attached me to the account, having just filed for bankruptcy in XXXX ( XXXX ), and fearing that XXXX XXXX would not voluntarily resume responsibility over the account, I informed XXXX XXXX XXXX to close the account. I was informed that I needed to provide a written letter to XXXX XXXX XXXX, explaining that I was no longer responsible for the account. I wrote the letter and provided them with a copy in XXXX XXXX. The letter informed XXXX XXXX XXXX that I was no longer handling the financial matters of XXXX, that the group dissolved and would resort back to XXXX, and that the original account holder, XXXX XXXX would resume control over all financial matters. I included XXXX XXXX 's name and contact information, For several months I never heard back from XXXX XXXX XXXX. However, when XXXX XXXX XXXX contacted me several months later they advised that I was personally responsible for a balance of over {$400.00} that was incurred over a period of time after XXXX XXXX. I disputed this with their agency on several occasions, during multiple harassing phone calls, in which they attempted to collect the debt. Finally, possibly in XXXX XXXX, a representative from XXXX XXXX advised that he would administer a recorded, XXXX, conference call with myself and with XXXX XXXX to clear up the dispute. During the course of this recorded conversation, XXXX XXXX assumed responsibility for the debt and any future debt incurred on the account. Several months passed again and XXXX XXXX did not make any attempts to contact me, again leading me to believe the dispute was resolved. On XXXX last occasion, possibly in the XXXX or XXXX of XXXX, XXXX XXXX XXXX again contacted me, attempting to collect the debt. I refused to provide them with any information, referenced the XXXX conference call with XXXX XXXX, and adamantly disputed the debt. XXXX XXXX XXXX has not contacted me regarding this debt, since that time. I have had no contact with XXXX XXXX since the XXXX conference call in XXXX. However, yesterday, a Debt Collection agency representing XXXX XXXX XXXX sent a letter, again attempting to collect this debt. |
Communication tactics | I was contacted by a recording from a XXXX area code that instructed me to call a different number back. I had been contacted by this same recording the previous week and was provided a different XXXX number to call back. When I pressed 1 as the recording said to do, I was connected with someone that hung up on me. So I called the XXXX XXXX number given and there was no answer. I called the number given on the previous recording. The male who answered said the call was being recorded and to bear with him while he looked up my information based on the " case number '' I provided. He came back on the line and said that he could n't find it under that information and asked for my name and phone number. By this time I 'm suspicious and asked for his company name and location. He quickly stated that he is from Alternative Dispute Resolutions and informed me I 'm being sued over a debt and to hold on a minute while he looks up my information. To which I asked if I could get his company 's location and business address. I also informed him that I was familiar with my credit situation and did n't have any reason that some one should be suing me. In return I got a tirade of how I should keep my mouth shut and listen until he 's done speaking and he does n't have to help me. He ranted about how he was n't going to give me anymore information until I shut up ( which I was only trying to finish my sentence -asking for his company 's place of business ) He also continued to rant about a number of things and how he was n't my husband or boyfriend and I could n't talk to him that way ( I quite literally have a severe XXXX which means I can only speak in small spurts and very low volume. ) I am not sure what way he was referencing because I barely was able to say anything. Then he said I 'll never even know why they were calling and I would just find out when I 'm taken to court and he hung up on me. I called back to see if maybe I could get someone else and as soon as I asked him for his company address he went on another tirade of how it was a courtesy for his company to contact me and I only called back to cause problems or something to that effect ( it was honestly hard to keep up with ), I tried one time to interject and possibly get him to calm down, to which I was met with the same voice raising rude comments. By this time all I could do was chuckle because it made absolutely no sense what this guy was doing. Then he said if I want to laugh I can laugh to a dial tone and hung up again. I still have no idea if this awful person even works for a real company or if this is some sort of scam. I only provided him with my name and phone number. I hope that is not enough information to cause me any harm. The only information I have on the company is it is supposedly called : Alternative Dispute Resolutions The phone number on my caller ID that I received the recorded message from was XXXX The XXXX number the recording provided on the call received last week was XXXX - this is also the number I reached the rude person mentioned above at.
The XXXX number the recording on the call received today was XXXX which no one answered when I tried to call that number.
I sincerely hope that the call was recorded as the person who answered said it was if this is in fact a real company. |
Improper use of my credit report | I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you. |
Incorrect information on credit report | XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again.
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks |
Communication tactics | Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX. |
Cont'd attempts collect debt not owed | My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015.
They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company. |
Incorrect information on credit report | I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance. |
Improper contact or sharing of info | Called business cell phone, asked to be removed from list did not do so. Continued calls to business cell phone.
Debt that is trying to be collected is debt that has been sold to XXXX or XXXX seperate collection agencys all of wich are trying to collect the debt. |
Can't repay my loan | I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending.
The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise.
I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes. |
Cont'd attempts collect debt not owed | I received a phone call last week on XX/XX/XXXX and was told the company was Global Client Solutions. When I called the number back ( XXXX ), I got a recording that sounded as if they were saying " XXXX '' or something of that nature. I left my name and number, but never got a call back. Today, XXXX XXXX, I received a call from XXXX and XXXX. I called XXXX and was told the company they were representing was Global Solutions. They said I had borrowed money from XXXX XXXX, which I have never heard of and when I asked for more information they said I made a loan XX/XX/2011 and that they would settle it for {$430.00}. I told them I had never heard of XXXX XXXX and unless they could send me written confirmation that I had borrowed money and never paid it back, then I was not paying anybody anything. At this point, they hung up and would n't give me any more information. If I owe somebody some money they should be willing to give me documentation of the debt and prove I have never repaid it. The number that called me today ( XXXX ) called my home and also left a message with a friend of mine and I have no idea how they got that number. The number XXXX also left a message with my sister and I have no idea how they got her number. How can I make these people stop calling me if they wo n't give me any information to prove I owe money? |
Cont'd attempts collect debt not owed | XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX. |
Incorrect information on credit report | I have been trying since XXXX XXXX, 2015 to get a judgment off my report. I sued the company and the court and was granted a vacate of judgment on XXXX XXXX, 2015. I notified all the bureaus at the same time. XXXX and XXXX deleted the judgment within the last week. I called and talked with Transunion and was told it takes them a long time to verify the information. I received a letter yesterday from them and told it should be cleared up by XXXX XXXX, 2015. The bureaus put the judgment on my reports 5 days after it was filed and now Transunion is telling me it takes 90 days to get it off. I am trying to qualify to purchase a home and now I am a victim of their incompetence. |
Taking/threatening an illegal action | My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX |
Cont'd attempts collect debt not owed | I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved. |
Incorrect information on credit report | XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it. |
Cont'd attempts collect debt not owed | I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of. |
Cont'd attempts collect debt not owed | This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great!
XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt.
During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again.
My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change.
Is there anything I can do? |
Communication tactics | Calls began XXXX XXXX at XXXX. Then XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX, and today at XXXX & XXXX. I will be sending them a cease & desist letter like I did to XXXX XXXX, XXXX XXXX and XXXX XXXX.
These are all robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day? On a weekend? |
Improper contact or sharing of info | This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day. |
Cont'd attempts collect debt not owed | I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for? |
Taking/threatening an illegal action | repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats. |
Improper use of my credit report | Logging on with XXXX XXXX XXXX 2014 it stated that access would be granted XXXX anytime I wanted to look. I looked multiple times and my credit score dropped out of sight at almost XXXX points. Now I do not know if someone has accessed my account or every time my profile received a hard or soft hit my FICO score dropped over this time period. Having a lower score has also increased my hard hits from financial companies while looking for a low re-fi interest and other personal loan request declined. Included are the reference numbers required. I have sent a dispute request to XXXX XXXX on line as requested and waited the number of business days requested with no reply. They encourage only XXXX request at a time or the time starts over again. Thank you for all your help in advance concerning this important matter. My sincere hope is to be restored after review. XXXX XXXX : XXXX XXXX, XXXX, XXXX, Trans Union and the FCFP. |
Communication tactics | Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill. |
Improper contact or sharing of info | I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy. |
Communication tactics | They keep threatening with arrest and with police action and w/court action. |
Taking/threatening an illegal action | I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter. |
Cont'd attempts collect debt not owed | Enclosed I have XXXX medical Bills that was file in our Bankruptcy Petition on XXXX/XXXX/2015, and we are still receiving debt collector letters.
Our bankruptcy case # XXXX XXXX District of Florida |
Dealing with my lender or servicer | I received a private student loan from XXXX XXXX ( now called Navient ) for XXXX, XXXX, and XXXX. When I XXXX I had the loans consolidated in XXXX XXXX through XXXX ( now called XXXX XXXX XXXX ). I was still paying off federal loans through Navient, and in XXXX my student loan payment increased and I thought it was because my federal loan repayment plan changed. I continued to pay through XXXX.
After speaking to a financial advisor and looking at all my documents they said that I have been paying XXXX companies for the same private loan. I was shocked and upset. I called Navient and they told me they had no record of a consolidation filed. I then contacted XXXX XXXX XXXX and sent Navient copies of the cleared checks they received and all of a sudden it showed up on their documents. When I last spoke with a representative from Navient they changed their story saying there was a consolidation and that what I have been paying for since XXXX is the interest due on the private loans. That makes no sense, because the consolidation from XXXX covered all my private loans thus I would have no accrued interest owed to them. I have contacted Navient saying I will not pay the rest of the balance because I have been charged by mistake, and sent them all the correct documents, yet they continue to call me everyday. |
Unable to get credit report/credit score | I went on Equifax website to get my free Credit report.
I went through all the steps and the site said ; it could not give me the free report.
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax.
I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors? |
Cont'd attempts collect debt not owed | In XXXX XXXX I moved from XXXX XXXX, XXXX to an apartment complex, XXXX of XXXX XXXX, in XXXX, XXXX. The apartment I originally rented on the phone directly with the complex manager was a downstairs XXXXbedroom, XXXX bath apartment. When I arrived at the apartment complex with my moving van the only apartment that was available was on the fourth floor, with only outside stairs and no elevator. With my moving company being paid by the hour, I agreed to take the apartment. Within the first couple of days I found out the air conditioner did not work, the freezer and ice maker was not working, the plumbing had problems, and all of the windows in the apartment had been painted shut and could not be opened. The complex was going through a change in management and had only XXXX maintenance person, who was lacking in experience. I was promised everything would be fixed, but 2 months later in the hottest part of the year in the South, I still had no air conditioner, my windows still could not be opened and my plumbing still had issues. The complex finally agreed to let me out of my lease and I moved out on XXXX XXXX, XXXX after living in the apartment for only 2 months. The day of my move I returned the keys and my final check to the complex office, to a temporary employee, who was the only person available. This temporary employee could not give me an accurate accounting of what I owed as a final electric bill. I left them with my forwarding address and current cell phone number.
XX/XX/XXXX I received a call from NCC Business Services , Inc. stating that I was delinquent on a bill to XXXX XXXX XXXX apartment complex. They could not tell me what it was for, just that I owed {$100.00}. I called the XXXX XXXX XXXX office and found out it was for my final electric, sewer, water bill for the month of XXXX XXXX. The complex would not take my money but required me to pay through the Collection Agency. On XXXX XXXX, XXXX I called NCC Business Services, Inc and paid, directly from my deposit account, the amount due of {$100.00} over the phone.
Then a year later, XX/XX/XXXX I received a call from NCC stating that I owed them {$100.00} for a delinquent account with XXXX XXXX XXXX. I have had nothing to do with XXXX XXXX XXXX since XXXX XXXX when I moved out. Again NCC could not tell me what the amount was for or what time period it covered. After several calls from NCC trying to bully me into paying this amount immediately, I looked up my XXXX XXXX bank statement and it did, in fact, reflect payment to NCC Business Services, Inc on XXXX XXXX, XXXX in the amount of {$100.00}. I forwarded this information to NCC and their comment was that this could not possibly be the same charge and that I could either pay the amount owed immediately or the debt would be reported to the credit reporting agency. I do not owe this amount, it has been paid in full for over a year. They can not produce any documentation regarding this amount they say I owe. I called XXXX XXXX XXXX and they do not show that I have a past due balance.
I have no idea what to do at this point.
I could not upload a copy of my bank statement reflecting payment, but I do have a copy I can provide if requested |
Incorrect information on credit report | In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Equifax credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change.
Since XXXX, 2014, I have submitted online disputes to no avail. |
Improper use of my credit report | XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends. |
Incorrect information on credit report | During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this! |
Incorrect information on credit report | Hi, One of my bill suppose to be waived because I have Charity funds for my medical expense during that period. I tried to provide information to my credit collection agent Equidata. but they said i have to ask the original creditor mail them information. Unfortunately, i called all entire XXXX XXXX or XXXX department, I could not find my original creditor. No one has any knowledge about that bill and they said my account balance is XXXX.
I attached document below. Hope you can help me out. |
Cont'd attempts collect debt not owed | In XXXX XXXX, my husband 's identity was stolen and a cell phone was opened with XXXX XXXX - account XXXX. The phone was active for 5 months and went delinquent. One year later, we were contacted by a debt company - the issue was rectified as we filed a police report ( XXXX, Oregon Police Dept. ) and file all necessary documentation regarding the false identity usage. On XXXX XXXX, XXXX, we were contacted by Renew Financial ( XXXX XXXX, Ext XXXX ) to again collect on this 12-yr old debt and threatened with legal action. Also, when documentation was requested, I was advised " it is too old and paper information would be shredded by now ''. He also stated notifications were sent via regular mail ; we have not received any paper correspondence. I was also told that this debt would likely be 'sold ' again and could be contacted again for collection. The only way to get 'rid ' of this would be to appear before a judge. I responded I would report them for selling bad debts and wrongly harassing consumers. Calls on XXXX XXXX included ( 1 ) from XXXX XXXX XXXX ; and ( 2 ) XXXX Renew Financial. |
Disclosure verification of debt | Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency.
They are also trying to collect on debt that is past its statute of limitations. |
Cont'd attempts collect debt not owed | I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney.
My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. ) |
Credit reporting company's investigation | To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days.
I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference. |
Unable to get credit report/credit score | My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either. |
Incorrect information on credit report | I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance. |
False statements or representation | I received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX.
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX.
I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}.
The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX.
I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full. |
Cont'd attempts collect debt not owed | I am writing to complain about my treatment by XXXX XXXX XXXX XXXX XXXX, Caine & Weiner, and XXXX XXXX XXXX XXXX XXXX During a routine audit, I noted escalating fees from XXXX XXXX . On further review, I found a contract dated XXXX/XXXX/XXXX that I did not authorize nor sign. XXXX, and I am the only person authorized to sign contracts.
The person who signed the contract, and subsequent XX/XX/XXXX renewal, was a secretary who no longer works for me.This person was never authorized to sign contracts. I did not authorize this now former employee to sign any contracts with XXXX XXXX.
Records show, while the postage meter was in use, all monthly fees were paid in full. They are not due any money. They are not the injured party. On XXXX/XXXX/XXXX, I sent a letter to a XXXX XXXX Leasing Specialist, notifying him that the lease was unauthorized, null and void, and requested an arranged return of the postage meter. Since this time, the postage meter has not been used.
The contracts in question from XXXX XXXX specify that the person signing is " authorized to sign. '' The specified now former employee was not authorized to sign. The XXXX contract lists DBA name of Lesee with this person 's name. The name of my XXXX is XXXX XXXX , XXXX, and my company never signed any agreements with XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX stops their fraudulent pursuit of these unauthorized contracts and removes their equipment from my office. |
Cont'd attempts collect debt not owed | XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report. |