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Cont'd attempts collect debt not owed | The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied. |
Disclosure verification of debt | XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount.
XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information.
Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this. |
Incorrect information on credit report | On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report. |
Credit reporting company's investigation | I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue.
Transunion did not take any action on this even after I disputed this specific item online using their website XXXX
1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen.
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion.
3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX.
When data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates?
I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred. |
Cont'd attempts collect debt not owed | Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report. |
Cont'd attempts collect debt not owed | I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA. |
Cont'd attempts collect debt not owed | I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can |
Unable to get credit report/credit score | I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help! |
Dealing with my lender or servicer | In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else. |
Improper contact or sharing of info | I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents. |
Can't repay my loan | My XXXX payment is almost half of my monthly income. I have contacted Aes several times about lowering my payment but every time they refuse to help. They say I am not eligible for any of the other options. I am a XXXX and will be forced to default if American Education Services refuses to help with a lower payment. |
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 XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested.
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX.
Discovercard 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 am 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 XXXX 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 XXXX times a day? |
Improper use of my credit report | My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX.
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act. |
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!
Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX 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, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX 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? |
Cont'd attempts collect debt not owed | This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY! |
Communication tactics | I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance. |
Cont'd attempts collect debt not owed | This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS! |
Credit reporting company's investigation | I have been disputing a public record since XXXX 2012. I do not know the supplier is with Transunion or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal form the known XXXX bureaus and others XXXX still maintain this falsehood.
I am requesting this bureau to notify their supplier after they remove it form their records. and XXXX other reports that should be removed.
Thank you |
Cont'd attempts collect debt not owed | I never open an account with this company. |
Incorrect information on credit report | Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior. |
Cont'd attempts collect debt not owed | XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX. |
Communication tactics | I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day. |
Unable to get credit report/credit score | In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department.
Also around early XXXX I began applying for credit cards and shopping around to refinance my home.
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''.
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''.
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division.
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive.
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''.
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''.
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division.
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems.
I would like to have Equfax remove me from these departments immediately.
Thank you ... ..
XXXX XXXX |
Improper contact or sharing of info | Phone calls from Convergent Outsourcing XXXX. I have no debt does not concern me ... Calls my direct dial work number with an automated message. |
Incorrect information on credit report | In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me. |
Cont'd attempts collect debt not owed | I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!! |
Credit reporting company's investigation | I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood.
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account.
Thank you |
Communication tactics | I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company. |
Incorrect information on credit report | CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM. |
Cont'd attempts collect debt not owed | This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY MINE!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY! |
False statements or representation | I agreed to pay a settlement amount of XXXX and MIDLAND CREDIT MANAGEMENT charged me XXXX for the same payment, which was XXXX XXXX times. |
Communication tactics | The XXXX XXXX XXXX has contacted me regarding a citibank credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me. |
Credit reporting company's investigation | To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus XXXX, Transunion and XXXX 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. |
Communication tactics | I work for a XXXX as a XXXX. Over the past year, colleagues have received messages, ostensibly intended for me, at various numbers throughout the department. The messages are rapidly spoken, and a phone number is left. When I have attempted to contact someone at that number, a representative insists that I confirm my social security number before they will release information. Naturally, I refuse to disclose any personal information until they inform me of the reason for the phone call. The only response I 've been given is that the call is in reference to a " personal business matter ''. I refuse to provide these scammers my personal information and having them contact various colleagues throughout my department is highly embarrassing. |
Disclosure verification of debt | I received a letter dated XXXX XXXX XX/XX/2015 fro PRA LLC- attempt to collect a debt they bought in the amount of XXXX The letter said I had 30 days to dispute- which I did- I sent a XXXX letter dated XXXX XXXX ( receipt is attached ) stating- I wanted proof they were able to collect on behalf of this debt, I wanted validation of debt, and that the statue of limitations had run out on this debt in the state of Texas. I never received any response- It is now on my credit report. All documents are attached- |
Incorrect information on credit report | it says I have new employer called XXXX. This is totally wrong. Ive been retired for XXXX yrs. |
Cont'd attempts collect debt not owed | Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this. |
Cont'd attempts collect debt not owed | Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute.
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system.
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't.
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now.
So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me. |
Cont'd attempts collect debt not owed | I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all. |
Cont'd attempts collect debt not owed | After an emergency room visit, the hospital sent the wrong billing codes to my insurance. This was clarified to the billing department at the hospital and they promised to amend. They never did and sent this as debt to a collection agency. After discussions with my insurance, the insurance decided to pay me directly for the amount and I subsequently sent payment to the collection agency. I then received an invoice from the hospital showing I owed {$0.00}. Two weeks later I get another letter from the collection agency to collect what appears to be the same debt under a different account number. |
Cont'd attempts collect debt not owed | Our company tried XXXX XXXX, XXXX and decided in XXXX 2014 that we did not want to use their services. All communication from XXXX XXXX, XXXX was through email so we emailed them stating that we did not want to continue their services and we also called them by phone and stated such. We have emails that show we cancelled and we never turned the services back on. XXXX XXXX XXXX has tried to collect money from us for services we did not receive and have now turned us over to a collection agency. We were turned over to a collection agency after we disputed the charges by email, by phone and by a written letter. |
Incorrect information on credit report | I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated. |
Cont'd attempts collect debt not owed | XXXX XXXX from Como Law Firm called me today regarding a debt that I do not owe. He would not answer any questions about the debt and became angry and extremely rude when I said I would not make any type of a payment to him without understanding what it is he says I owe. I informed him that I have saved email communication from the apartment manager that he is claiming I owe this debt to in which the manager is telling me there was a glitch in their system and I OWE NOTHING but he would not accept the information. I asked him exactly what the debt was for and he could not answer that question. I then asked for an itemized list of what the debt is for and he said " Did you not just hear me, XXXX? I do n't have it. '' and he hung up on me. I pay my bills and have excellent credit and do not want to pay a debt that I not only do not owe, but do not know what is for. XXXX XXXX spoke to me in a degrading, rude manner and I do not deserve this type of treatment. |
Cont'd attempts collect debt not owed | XXXX ( XXXX XXXX XXXX Calls me everyday looking for someone else, i have asked them XXXX times to stop calling me and they continue calling me. |
Cont'd attempts collect debt not owed | This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary.
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed.
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please.
XXXX |
Credit reporting company's investigation | To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax , XXXX and XXXX 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. |
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. First Credit Services 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 trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX 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. |
False statements or representation | On XX/XX/XXXX and XXXX XXXX, XXXX paid for purchases at XXXX XXXX and XXXX, respectively with a personal checks. During the same month I attempted to open a separate account at a different bank that would allow me to transfer funds to my grandson 's bank account who was in school in a different state. I learned, while trying to open a new account that my name was in XXXX which came as a complete surprise. When I called the number given to me by the bank, I was advised that my checks were presented on a " closed account '' according to my credit union. This was not true. The Credit union provided a letter to TRS Recovery Services stating that it was an error that my account was showing " closed '' and I paid both checks with certified funds. I shopped in a XXXX XXXX store on XX/XX/XXXX and attempted to pay for my purchases via check ( my debit card was lost during the XXXX holidays and I had not received a replacement card yet ) and my check # XXXX was denied. I had just checked my account via automated system prior to shopping and my balance was more than enough to cover my purchase so I approached the manager after calling the " XXXX '' number at my CU and learning that I, without question, had sufficient funds. The manager then checked and noticed that TRS was denying the check. She contacted TRS after getting on the phone with my credit union so that they could verify my available funds but the CU could not override TRS in their system and interface the transaction with XXXX. TRS told the manager that I would have to make purchases ( via check ) to establish a history with them in order to clear my account. XXXX of all I am being penalized because of an error that my CU made back in XXXX and which has since been corrected and the checks paid and Secondly, how can I re-establish a check cashing history if TRS is denying my checks particularly since XXXX - TRS is used by most merchants in this area. The manager of the grocery store asked the same question but go no satisfactory answer. This company refuses to consider the fact that they got a signed letter from XXXX XXXX Credit Union stating the fact that is was an error on their part that my account showed " closed '' at the time the checks were presented in each store and NOT INSUFFICIENT FUNDS. To continue to penalize me when evidence has been presented to refute the initial claim and the fact that TRS agreed that I should not pay returned check fees on either check and the fact that I have paid both checks with certified funds, in my opinion is double jeopardy if there is such a term in debt collection. I am penalized for something I DID NOT DO! I am seeking your assistance in clearing this matter up so that it does not continue to defeat my efforts to clean up my credit and improve my credit score. I have XXXX addresses for TRS Recovery : XXXX XXXX, XXXX, XXXX XXXX ; XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; |
Disclosure verification of debt | Indirect when I am asking what business matter is about then asks to verify personal information. |
Cont'd attempts collect debt not owed | XXXX initially signed me up before they opened, it was around XXXX. They were supposed to open in XXXX, THEY NEVER DID. I was told they needed my credit card information for their records, just in case I broke equipment or things of that nature. They advised I would have a fee of {$10.00} and an initial fee, which I could come in and pay. I attended for about a month, they NEVER CHARGED ME, I inquired why not, they advised they would charge me in XXXX that my credit card would n't be charged I could come in and pay it. Low in behold I moved, I never received notice of when they would charge my charge, something was wrong with their email, it was really new and they were still building the facility, in the meantime we could use a smaller facility. I ended up moving. I received a call in XXXX from a collection agency that stated that I owed money to the establishment. I advised they were to cancel the service that I did n't know they were billing me for and remove the balance. I am sure they are supposed to notify you of any late fees, and billing me. I got nothing but a phone call that stated I owed XXXX dollars. I contacted XXXX XXXX, who acted like I was lying and decided that even though I did n't know it was a recurring charge billed to a card I reported lost, that I was still obligated to pay. I advised I emailed mailed them to cancel the contract. He advised that they do n't accept emails. According to the contract, any written notice is sufficient. IT DOES NOT SPECIFY A LETTER. I refuse to pay for services that I never received. The balance last that I heard I allegedly owed {$220.00}. XXXX offered to refund {$45.00} dollars for late fees. I declined because had I known they were charging me, IF NEVER WOULD HAVE BEEN LATE. I ADVISED YOUR REPRESENTATIVE FROM THE BEGINNING I DID NOT WANT ME CARD CHARGED THAT I WOULD COME IN AND PAY, IT IS NOT MY FAULT YOU CA N'T ESTABLISH WHEN EXACTLY YOU WOULD BE PREPARED TO CHARGE ME. The monies paid to your company were taken under false pretenses. False pretense is legal defined as follows : Under common law, a defendant commits the crime of false pretenses when by making an intentional statement with intent to defraud the victim he obtains title to the personal property and or monies of the victim. Under common law, collusion is an agreement between XXXX or more parties, sometimes illegal and therefore secretive, to limit open competition by deceiving, misleading, or defrauding others of their legal rights, or to obtain an objective forbidden by law typically by defrauding or gaining an unfair market advantage. Collusion and fraud of every kind, impair all acts which are a part of them, and render them void! Consider our contract voided. This has got to be illegal, please investigate XXXX XXXX XXXX XXXX, XXXX XXXX Florida. This has got to be some unethical business practice. I demand a full refund, you representative gave me misleading information, had I known the truth I never would have agree to sign up. |
False statements or representation | I have been paying a month amount as part of payment plan, and as the principal has decreased, the interest has increased which does not make since. The company will not disclose the interest rate and when I questioned it, was lied to an told that there was also another debt sent to the company by the original company for fees due in 2015. I was also told that is trade practice for upcoming fees to be sent collection and not billed to the person if they were already in collection. The fees for 2015 have not even been invoiced by the original company and when they are they are due in XXXX 2015. I have verified this with the original company and notified them that something shady was going on with the collection agency. Also the amounts I am given over the phone and on the letters/invoices sent to me each month do not match. I think the practices of Continential Central Credit need to be investigated as they are being untruthful. |
Cont'd attempts collect debt not owed | I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached ) |
Dealing with my lender or servicer | 1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed.
2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer.
3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods.
4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int. |
Cont'd attempts collect debt not owed | The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there.
After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here.
Their automated calls have continued for a week after being asked to stop. |
False statements or representation | I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto. |
Can't repay my loan | my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation. |
False statements or representation | I agreed to a settlement arrangement on a account with a rep which I believe was name XXXX on XXXX/XXXX/2015 the settlement was for XXXX, the rep advised that he had to get it approved because it was less than XXXX %, I requested proof of the settlement ( letter/email/fax ) stating that we were agreeing to settle the account. I was advised that it could be requested from the main office and given contact information. I attempted to contact the company and keep being routed to a voicemail system. I then attempted to contact XXXX on XXXX/XXXX/2015 at XXXX and again at XXXX and was repeated sent to a voice message system on the last attempt I spoke with a women who took a message. I received a call back at XXXX, it was a missed call for me because I was at work. I attempted back on XXXX/XXXX/2015 and got a rep that I tried to ask for assist with get a letter showing the agreement that we had decided on and she blind transferred me a male by the name of XXXX XXXX who then basically screamed on the phone that since I requested proof of settlement offer that the offer was off the table and that I needed to pay what I owed or else. I tried to explain that I just needed proof for my records and he keep yelling over me I asked for a manager and he said that he was the manager and that I could n't speak with anyone higher and then hung up. I called back to get a new rep and he answer and hung up at XXXX I tried calling back again at XXXX and XXXX and no one answered the telephone. I then search on line to see what company this was and called another XXXX number and a woman by the name of XXXX XXXX answered and listen to the issue and placed me on hold the line was then picked up by a XXXX XXXX and he just yelled into the telephone what do you want and I was surprised that I had been transferred and was like huh, he said you called here what do you want, I advised that I would try call XXXX XXXX back and he hung up. I did call her back and ask could she just send me a letter of review the process and she advised that she could n't help because I was not her rep. I asked for the owner and was advised the he was out but she did give his name a different XXXX XXXX than I spoke with and sais she would give him the message for request for a return call. I then got a call from XXXX from a gentleman that did n't provide his name but basically stated " they will not settle with me now since I want them to jump through hops '' by asking for a letter of the arrangement of settlement. Then he disconnected the call. I am only requesting the settlement letter because that would be my only proof that the account was settled and its shows in writing what we agreed to. I expressed several times that I did n't want to make a payment and then someone else tries to come after me for the remaining balance. I have no way of ensuing that this company honors the agreement if I can get something showing that we are agreeing. |
Dealing with my lender or servicer | School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached. |
Credit reporting company's investigation | The collection agency reported to the XXXX that they 're report is accurate and it was not included to the Bankruptcy. |
Cont'd attempts collect debt not owed | I am a physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier. |
False statements or representation | I am a victim of a parked debt bought by a debt collection company. The problem is the company is reporting the debt as open recently, it 's not. This is illegal and that 's the reason for my complaint. |
Disclosure verification of debt | Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice. |
Incorrect information on credit report | In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian 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. |
Incorrect information on credit report | I have informed them. I live in California only. No Georgia state nor any other state.
They have me living in Georgia in my personal information was added. |
Unable to get credit report/credit score | I have n't able to get a report from Experian even after calling 3 times. |
Communication tactics | I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves.
Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX.
It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX. |
Cont'd attempts collect debt not owed | My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim.
I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion. |
Communication tactics | The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me. |
False statements or representation | A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is ADR processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there |
False statements or representation | I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again.
I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted.
I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses. |
Cont'd attempts collect debt not owed | Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX .
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record.
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International.
Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP.
Thank you, XXXX XXXX |
Incorrect information on credit report | I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated. |
Disclosure verification of debt | I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor. |
Cont'd attempts collect debt not owed | This debt was discharge back on 2010 by the bankruptcy court and they still try to this day to to collect was its already discharge, worst part is that they are reporting it to all XXXX credit bureaus as a actual debt with different collection agencies in Kansas. |
Credit reporting company's investigation | My ex-wife filed our taxes as joint. She has Indiana taxes and I do not. When she filed them, Indiana wrongly decided she was n't eligible for exemptions despite her military status that granted her the exemptions.
The Indiana IRS reported poorly on my credit and I disputed it, which ended with them sending me a check for $ XXXX.
It has been over two years and XXXX disputes later, and this remains on my credit and is bringing down my score despite it being wrong. |
Incorrect information on credit report | After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}. |
Disclosure verification of debt | I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance.
Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ... |
Cont'd attempts collect debt not owed | I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf.
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid.
I can and will provide documentation, names, dates, etc. to support my statements. |
Cont'd attempts collect debt not owed | repeated calls to my XXXX year old mother, asking who was in charge of the financial and funeral arrangements of my deceased sisters affairs. My sister died 3 years ago and had no funeral, no insurance, and no money.. These people called at XXXX and have called XXXX times. I myself talked to a very rude man who after I told him my sister had nothing and we are n't responsible for her debts he became very rude and I proceeded to hang up on him. My sister died a very slow painful death and to call and harass my XXXX year old mother is disturbing. |
Cont'd attempts collect debt not owed | In 2008, I did XXXX gym contracts with XXXX XXXX XXXX. To end the contract, I had to write XXXX letters stating that I wanted to cancel my memberships. Both letters was written, but only XXXX was accepted. I 've been receiving debt collectors letters since. I ca n't reach XXXX for the proper help and the debt collectors wo n't help. Now I just received a letter that my checks will be garnished. I do n't know how to go about disputing the debt. Please help. |
Disclosure verification of debt | I was never contacted about debt from debt collector and was placed on my credit |
Disclosure verification of debt | They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies. |
Communication tactics | I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE |
Communication tactics | Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING. |
Can't repay my loan | To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month.
The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ...
The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans.
I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area.
I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening. |
Communication tactics | I work as an admin assistant for a small church, and they decided the switch from XXXX to XXXX XXXX XXXX. XXXX at first tried really hard to keep us ; having several sales people offer discounts and such but when they realized we were not going to change our mind, their tone changed rather quickly and we were told that we were still under contract ; owing them several thousand dollars but get this, it would still take a few months to cancel the service! So we would have to pay our monthly bill for services that they were not providing AND pay this ridiculous amount for early termination and whatever other fees! This really did not make any sense, and calls were made to XXXX to get clarity on the matter. Their customer service and sales people however, give you different information, so you ca n't really trust that what person A is saying is really true because person B will tell you the opposite. Even though I was not the main contact for this process, as the admin, I receive all the mail and answer the phone so therefore I was able to see how fast this issue became an unnecessary problem. After receiving a few notices from XXXX in the mail, soon started the phone calls from collections. And how they called, over, and over, and over again. Even after I explained that they were calling a CHURCH, and that it was n't me personally that could solve the issue, they kept calling. I blocked at least XXXX different numbers : XXXX and XXXX. All while this is happening, we actually did have a representative from our church who was in communication with someone at XXXX trying to resolve the issue. Fast forward ; we got a pretty serious sounding letter from a debt collector that I gave to our guy, the first letter from a company other than XXXX. Since this letter our account has been almost completely resolved, but then we get another letter, from " Sage Capital Recovery '' to be specific, and this letter is completely unacceptable ; using degrading, belittling and threatening language and false information. I just can not accept that Sage Capital Recovery is using this kind of communication to bully people into paying debts that may or may not be accurate, as well as disregarding any attempts made by the customer to resolve the matter in the first place. The letter is written in a tone that is automatically accusing the addressee of neglectful handling of the matter and takes the assumption that they will continue in the same way. And then they write : " we have completed our due diligence and fully documented our efforts to cooperate with you '' ... .Really? You made copies of the XXXX letters you sent us? Wow, good for you. They did not even address our letter with our Church 's name - just our address saying " accounts payable ''. I have worked in debt collections before, and it absolutely kills me that companies like Sage Capital Recovery treat people who owe money like second class citizens. I understand that we all have a job to do, but there is such a thing as ethical and fair business practices. Recording how many letters you spit out on a daily basis does not mean you have done your " due diligence ''. Harassing people with automatic phone calls does not mean you have made " all efforts to reach a cooperative resolution ''. It just means that you make your money off of the back of broken people. |
Dealing with my lender or servicer | Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me. |
Unable to get credit report/credit score | My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus. |
Improper use of my credit report | equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX. |
Communication tactics | Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand. |
Communication tactics | Background : In XXXX of XX/XX/XXXX I began falling behind on payments to XXXX XXXX. A substantial balance had accumulated because of recent large unforeseen expenses - vehicle repairs which resulted from our truck being rear-ended. The insurance company unexpectedly denied claims for over XXXX in repairs. We met minimum payments in XXXX XXXX - {$3100.00}, XXXX XXXX - {$3100.00}, XXXX XXXX - {$2300.00}, XXXX XXXX - XXXX, XXXX. XXXX - {$1100.00} and XXXX. {$4300.00}. we were able to meet these obligations only by closing a small IRA and borrowing. The debt situation began to grow serious. The XXXX minimum payment was {$3100.00} and I was unable to pay it. We paid {$500.00}. There were multiple phone calls and conversations with XXXX XXXX. In XXXX I wrote to XXXX requesting that they grant a XXXX month grace period since I had been a customer for over 20 years and had just become eligible for Social Security Benefits ( and would therefore have additional income ). The XXXX SS benefit check would arrive the last week in XXXX and I promised substantial monthly payments from then until the balance was satisfied. I sent a payment of {$1000.00} on XXXX XXXX and, at the end of the XXXX cycle, XXXX XXXX closed the account and sent it to collection.
Phone calls from a collection agency began XXXX XXXX, XXXX and repeated multiple times each day. They were all from " unavailable '' or " restricted '' numbers. My XXXX conversation with a representative at " XXXX '' was XXXX XXXX. I sent a letter ( certified return receipt ) requesting that they ceased calling me and send validation / documentation of the debt. I did not receive this documentation so I sent a XXXX request XXXX days later. A short while later ( XXXX XXXX ) I began receiving multiple phone calls from another collection agency, XXXX XXXX XXXX After numerous phone calls ( with a call center in XXXX ) and another letter requesting validation of the debt, I did finally receive the documentation on XXXX XXXX, XX/XX/XXXX. I then called XXXX and spoke with a representative called, XXXX. We hammered out a verbal agreement.
A " settlement '' was not possible because of our limited financial resources. I needed to make payments. They wanted at least 10 % down. I wanted to put {$500.00} down. The end result was an agreement of {$890.00} down ( which XXXX stated he was able to achieve under " hardship " conditions ) and monthly payments of {$430.00} for 36 months. Except the agreement had to be in XXXX parts - 24 months was as long as they would go. We would need a XXXX agreement for 12 months for the remaining amount. There would be no additional interest on what I owed. I stated that I would send in my own payments and ( on legal advice ) not provide a bank account number and allow them to take automatic payments. I also wanted our agreement in writing before I would send in the XXXX payment. I requested information on the " clean slate '' offer XXXX was making. XXXX directed me to call the credit reporting number at XXXX XXXX since XXXX could not determine how XXXX would report this account. XXXX told me that a letter outlining what we discussed would be sent to me and I should call him when I received it. This was on XXXX XXXX, XXXX. I waited a week ( XXXX XXXX ) and emailed my mail service to forward mail. The packet arrived on XXXX XXXX but there was no letter from XXXX.
I almost immediately began receiving collection calls from another XXXX #. When I returned the calls I had to start all over with a different office /division of XXXX. I reiterated the terms of the agreement that had been achieved. I dealt with XXXX people at this new office ( XXXX XXXX, then XXXX and finally the " supervisor '' XXXX XXXX. They stated that no letter would be sent until I gave them access to my bank account and they had taken the first payment. This was after ( cont. ) |
Communication tactics | PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well. |
Cont'd attempts collect debt not owed | Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted.
Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me? |
Incorrect information on credit report | I have negative items on my credit that is certainly not mines.and this is from identity theft. |
Taking/threatening an illegal action | This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund, |
Improper contact or sharing of info | Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt |
Incorrect information on credit report | Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it. |
Disclosure verification of debt | I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice. |
Incorrect information on credit report | I have negative items on my credit that doesnt belong to me |
Cont'd attempts collect debt not owed | XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report. |