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Incorrect information on credit report | Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this. |
False statements or representation | I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX. |
Disclosure verification of debt | I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this. |
Cont'd attempts collect debt not owed | Pro Collect is collecting an illegal debt on behalf of XXXX XXXX XXXX even after I indicated I submitted this to the Attorney General of Texas. I do not owe the {$1200.00} and I want this illegal debt off of my credit reports and all calls from ProCollect to cease and desist. |
Improper contact or sharing of info | Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people. |
Communication tactics | The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. '' |
False statements or representation | Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request. |
Improper contact or sharing of info | I received a call from a XXXX XXXX from XXXX @ XXXX Ext XXXX stating that I owed {$400.00} to XXXX, but they wanted XXXX however they would take less. I asked for a validation of debt he transferred me to someone else who got made because he wanted me to go online & I was at work & told him now was not good to give me a number & I would call at a better time. He got mad & said he was going to tell the debtor I did n't want to pay. Now today XXXX XXXX, 2015 XXXX XXXX had come called people from my XXXX page saying I had used them as a reference. They will now not return my calls as I stated they I was going to make a complaint about their tactics. |
Disclosure verification of debt | I recieved a notice from Midland Credit Management , Inc. ( MCM ) that I owed an " original Creditor : '' XXXX ( South Dakota ), XXXX. and that the current balance was {$18000.00}. It does not describe what the debt is for or any details concerning it. I have no knowledge of any such debt.
MCM offers a 70 % discount if I pay {$5500.00} by XX/XX/2015.
I have never failed to pay a debt in my life.
I called the phone number which is on the front page of their notice, at least XXXX places, XXXX times over a three day period and recieve a recorded answer : " All circuits are busy, please call back later '' or " Call can not be completed, try again later '' " message TX XXXX MN. '' |
Incorrect information on credit report | I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record. |
Communication tactics | Called this work related phone number after being told that this was for work purposes only and a personal number was given to them. |
Cont'd attempts collect debt not owed | There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports. |
Incorrect information on credit report | Transunion reinstated a previously deleted account that was not mine. The account was previously deleted by the collection agency. Transunion refuses to do a serious investigation on this account and this is ruining my credit preventing me from buying a new car. I am attaching note from collection agency saying they were going to delete account. The account was for XXXX and the original creditor was XXXX XXXX XXXX for the amount of {$66.00}. If they look in their files they will find that exact account reported last year and deleted. |
Communication tactics | Sent certified letter telling them to stop calling me and they are still calling XXXX times a day. This debt is from XXXX. |
False statements or representation | I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid. |
Can't repay my loan | This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt. |
Incorrect information on credit report | ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE |
Credit reporting company's investigation | Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off my credit report. |
Disclosure verification of debt | I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help. |
Cont'd attempts collect debt not owed | THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from. |
Improper contact or sharing of info | I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business. |
Cont'd attempts collect debt not owed | Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California.
I have disputed several times but the debt keeps showing up in my credit reports. |
Can't repay my loan | XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX. |
Incorrect information on credit report | Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it. |
Cont'd attempts collect debt not owed | I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these. |
False statements or representation | I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}. |
False statements or representation | This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!! |
Dealing with my lender or servicer | I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to. |
Incorrect information on credit report | I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all three agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on? |
Cont'd attempts collect debt not owed | My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother. |
False statements or representation | Called and left voice mail with myself, my family, and my friends stating that they were attorneys and they did n't want me to miss my court date. They said that they would be serving papers on a debt. They said that they were with the law offices of XXXX XXXX ( no such attorney registered in california ). They gave private information to my friends and family. They gave fake names when I asked for their name. They gave the address of XXXX XXXX XXXX, XXXX, California. XXXX earth shows that there is no such address. They identified as XXXX and XXXX ( XXXX XXXX and XXXX ). There is a fictitious business name filing in that name in XXXX XXXX XXXX. |
Disclosure verification of debt | I have been working with Bank of America ( BOA ) ( also known as ; FIA Card Services ) to resolve an issue that they reported a payment as 30 days late to the XXXX credit reporting agencies. While it is factual that they did not receive payment, and I do not dispute that - they failed to update my billing instructions per my communication. I made this communication to all of my other credit cards and it was updated without issue.
In XX/XX/XXXX, I moved from XXXX to the United States. When I came back, a charge on my FIA card came back as 'suspicious ' and required me to call the fraud department to verify my address, contact information and other information. When I called, I instructed them to update my address in the system so my bill would be sent to that address. They failed to turn off electronic billing as part of that request, update my phone number, or billing address. I know that they failed to update this information because when I called to dispute the credit information, the BOA employee told me that their system showed that my mail was being returned.
On XXXX XXXX, I received an email from XXXX XXXX, a credit monitoring company, that negative information was posted to my report. That day, I located what account was being reported as late and immediately called BOA/FIA and made a payment to clear the entire balance to {$0.00}. At that point I explained the issue to the staff and they proceeded to argue that I was responsible ; they failed to notify me of my rights to file a dispute, so I escalated to a supervisor. After ~30 seconds the supervisor came on the phone and his tone was much nicer. He said that he would file a dispute and " word it in a way that worked best for me, that hes working for me and knows what to put in the report so it comes out on my side ''. He did not collect other data, ask about my dispute or why I am disputing, or any of the facts that would typically be required to make a dispute. Essentially the dispute process was a joke ; but he left me feeling like it would be resolved.
1 week later, I received a note from FIA card services that they " investigated '' my dispute ( still unaware of what he put I was disputing ) and that they found the mark to be credible. This note looked auto-generated, without any care put into how the investigating addressed what I thought the issue was.
I then filed a complaint with the XXXX. In response to this complaint, BOA reached out to me over the phone and initially told me that they had not, in fact, reported any negative information. After providing my social security number though, they were able to locate the account. The representative proceeded to say I was liable, and got me so upset by his lack of responding to my specific issues ( I updated my address when their fraud department called - why had BOA not done it in their system?, he claimed I was not receiving mail from BOA, despite the other associate saying their systems showed my mail was being returned ). I asked on the telephone to escalate to their supervisor and the associate did not transfer and said he needed to investigate more. The associate was a bully - I do n't know how else to explain it, and had cast his judgement early in the call. Mind you this was all being done before any investigation on my specific card was done by this associate.
Facts : I asked for my address and contact information to be updated, and BOA failed to do so on a fraud prevention call. Had they done this I would have received notice about my bill.
I will be buying a house in several months, and these negative remarks will have a negative consequence on my ability to secure a mortgage if BOA does not make this change.
BOA did not take the investigation process seriously, intimidated me over the phone, and this is my last step before hiring an attorney. Given the address change and issues, BOA should not report this item. |
Dealing with my lender or servicer | The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon. |
False statements or representation | After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement. |
Incorrect information on credit report | I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy. |
Communication tactics | I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX. |
Cont'd attempts collect debt not owed | This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke.
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX..
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info?
Thank you, XXXX |
Dealing with my lender or servicer | In XXXX or XXXX, I attended XXXX University. I applied for financial aid but what I was to receive was not enough to cover the tuition for 2 years at XXXX. I took out a private student loan through XXXX XXXX that my mother co-signed for that was about {$9000.00}. I still had a balance of about {$7000.00} and I took out another private student loan but this was through the school itself to cover what financial aid and the first student loan did not cover. I have been fighting with XXXX XXXX for years to have them provide me with copies of my original loan documentation ( promisary note, monthly statements and loan information ) to no avail and it has been at least 10+ years and I have not received a single piece of paper proving anything. It has also been 15 - 16 years since I missed my XXXX payment ( making the original default date well past the 7 years that this can be kept on my credit report ) but XXXX XXXX keeps reporting a original default date of XXXX for a loan I took out back in XX/XX/XXXX/XX/XX/XXXX. I doubt this company would let me go 8-9 years on loan without reporting late payments. And even though I have repeatedly disputed this with all three credit bureau 's, somehow these loans come back verfied to their ( the credit bureau 's ) satisfaction so they are still on my credit report. This XXXX XXXX loan is scheduled to come off my credit report in XX/XX/XXXX, just like it was supposed to come off back in XX/XX/XXXX/XX/XX/XXXX but somehow was re-aged and now has been negatively reported on all three of my credit reports for 15-16 years. I also recently pulled my Experian and Equifax report and saw that XXXX has also placed this loan back on my credit report using the same original default date as XXXX XXXX, therefore also re-aging my account with them. I contacted XXXX back in XXXX of XXXX and requested all my original loan documentation from them ( promissary note, monthly statement and attendance ) and have not received a response from them. I do have federal sudent loans that are in good standing which were with XXXX XXXX and then were bought by the government when Obama took office and took the third party lenders out of the financial aid loop ( US department of education ) but all of those loans including the private loan through XXXX XXXX have been bought by Navient ( which is owned by XXXX XXXX, go figure ). I 'm tired of fighting this fight and I 'm told that although I requested this information from these XXXX comanies, they do not have a set time to respond with my documentation or to respond at all. And that is not fair, especially when we are given 30 days to dispute the validity of a debt from the time we receive the XXXX collection notice. I went to this school when I was young and bounced around quite a bit so that XXXX collection notice may not have even gotten to me but as I have grown older and am trying to be responsible and get my debts and credit in order, I am faced with this giant lender ( XXXX XXXX, now Navient ) not having to respond to my request in a timely manner. Especially when this is a debt that is almost as old as my XXXX child who is XXXX, so I am not mistaken about when I attended this school and took out these loans. My intentions were to pay back my loans but like a lot of people, I was unable to find a job in my field to do that. And when I maxed out my deferments with them because it was a private student loan, I had no choice but not to pay and get told that they would not work with me and just take me to court and sue me for the money. I was never served with any paperwork to go to court and if I had been sued, it is still well beyond 7 years of the original default date and I 'm still fighting this fight. Is this not illegal. Do I not have any recourse regarding this issue? Please help! |
Cont'd attempts collect debt not owed | In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise. |
Taking/threatening an illegal action | XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work. |
Disclosure verification of debt | My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now. |
Cont'd attempts collect debt not owed | Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud. |
Incorrect information on credit report | On all XXXX credit bureaus reports I have fair credit because they state I do not have a long enough credit history. They have left off one of my credit cards, XXXX XXXX, which I have had since 1993. Would definitely bring my average credit history up. |
Credit reporting company's investigation | I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt |
Credit monitoring or identity protection | I went to XXXX of XXXX XXXX XXXX XXXX XXXX HillsCA XXXX phone # XXXX asked XXXX XXXX times on XXXX XXXX that how much It will cost me? I also told her that I have only XXXX XXXX, and she replied your payment will be XXXX '' If she would have told me the amount, or not covered by XXXX 100 % I would not have gone there. After some time I started receiving call to demanding money. I kept telling that XXXX told me that payment will be XXXX so I am not going to make any payment so Firm went to collection agency, XXXX. Collection agency stat writing threatening letters and wrote me that if I do not pay, it will be reported to credit bureaus.
On XX/XX/XXXX when I received my credit report. In spite of writing all explanation XXXX collection agency ( and provided all documents ) reported to credit bureaus I think it is not ethical because collection agency should investigate XXXX. I thought collection agency would investigate to find out what is the truth. It is not fair to report to credit bureaus without conducting investigation. What kind of protection consumers have? Is it fair to consumer to suffer because provided wrong information or it is it by law that collection agency destroy any body 's reputation? Is it not responsibility of collection agency to report its finding?
Is not consumer protection agency main function to protect consumer?
Please help me |
Cont'd attempts collect debt not owed | I continually receive calls from XXXX which shows as " HSBC XXXX XXXX '' requesting to speak to somebody who i do not know and is not at my phone number, i have had this same phone number for 5 years. i ask the person to identify where they are calling from and they refuse to do so. I ask specifically if they are calling from XXXX XXXX and they say no, it is a personal business business matter for the person they are trying to reach. i explain the person is not at this number, never has been and ask them not to call, but they keep calling. at least 10 times in past week, |
Incorrect information on credit report | Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets.
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine. |
Cont'd attempts collect debt not owed | I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX |
Unable to get credit report/credit score | Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied.
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report?
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax.
Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency?
I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report. |
Cont'd attempts collect debt not owed | A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling. |
Incorrect information on credit report | I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you |
False statements or representation | Collector came to my door with a police badge on saying he was coming to collect payment on a car that I turned in already. |
Cont'd attempts collect debt not owed | Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full. |
Cont'd attempts collect debt not owed | I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years. |
Cont'd attempts collect debt not owed | NCO financial 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 XXXX XXXX refuses to remove debt from credit report. |
Dealing with my lender or servicer | My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair. |
False statements or representation | Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX). This left me on XXXX so I defaulted on this loan. I have been trying to sell my home to pay of this loan. Last year, Wells Fargo agreed to reduce the balance of the loan. I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale. The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer. When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount. So I said: "Is your letter of XX/XX/XXXX a lie?" They said, "yes."
This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home. A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.
CFPB helped me with this matter back in XX/XX/XXXX. It has an old case number, but we need a new case opened up on this. The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate." So I will not give you the old case number unless you ask for it. However, with my email address you can see the transaction. Thank you so much for your help. I am trying to settle my debts with the sale of my home I built in 1987. I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies. Thanks for your help. I really am grateful for the CFPB. Best wishes, XXXX |
Incorrect information on credit report | they have a address that i have never been to or live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did live in XXXX but not here please help |
Unable to get credit report/credit score | Freecreditreport.com fraudulently charged me to obtain my XXXX credit scores. I had no notice that I would be charged and was assured that I would NOT be charged as long as I cancelled the membership within 7 days. |
Cont'd attempts collect debt not owed | This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls.
The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX |
Cont'd attempts collect debt not owed | I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help. |
Cont'd attempts collect debt not owed | stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house |
Improper contact or sharing of info | Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt |
Improper contact or sharing of info | They are calling my workplace. A representing by the name of XXXX XXXX keeps calling. |
Dealing with my lender or servicer | After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up! |
Unable to get credit report/credit score | I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate. |
Taking/threatening an illegal action | XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work. |
Cont'd attempts collect debt not owed | For several months, I have been receiving calls from XXXX at Green Tree ( XXXX ) looking for an " XXXX XXXX. '' I have told him repeatedly that he has the wrong number and to stop calling me yet he continues to call me and question me of whether I know XXXX or not. Once he even left a message saying he needed to confirm the vacancy at XXXX XXXX XXXX. I do n't know XXXX XXXX but it 's concerning that XXXX is quick to give out confidential information like this. Just this month, I 've received calls from XXXX at Green Tree on XXXX, XXXX, XXXX, XXXX on XXXX, XXXX and today. I have saved all voice messages from him this month as I refuse to speak to him any more. Please make this company and gentleman stop calling me. If you are not the correct place to contact, please point me in the right direction. |
Cont'd attempts collect debt not owed | They ask for my full social security number, which, of course, I do n't give out. They say I owe a bank named Sychrony. Never heard of them. They call constantly, as early as XXXX est. The number is XXXX. Lately my caller ID just shows out of area. |
Incorrect information on credit report | After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for 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. |
Cont'd attempts collect debt not owed | Yet another call from Alliance One, this time it was XXXX XXXX in XXXX ... se said they would remove me from the data base ... same thing they said last time i complained.
PLEASE REMOVE my number from your data base, i have had this number for over 3 years ... I am not your debtor Previous complaint # XXXX |
Improper contact or sharing of info | M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related.
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of. |
Incorrect information on credit report | I had an account with XXXX XXXX. My last payment on the account was made in XXXX 2008. I did not make any further payments. The account was re-aged to show that my last payment in XXXX 2008 so that it would remain on my credit for an additional period of time. This item needs to be removed from my credit report, under the FCRA XXXX XXXX was only able to report this negative information for seven years after the account was considered delinquent. |
Taking/threatening an illegal action | I applied for a payday loan to help my XXXX sons who just stated college XX/XX/XXXX, I was XXXX that afternoon when I went to work, XXXX XXXX XXXX was told verbally of my situtation, XX/XX/XXXX I return a call from Alliance Capitol Mgmt XXXX XXXX, I explain to her that I 'm still unemployed, she started asking can someone help me I let her know my family is helping me from becoming homeless, she ask what about unemployment, I told her that it ended and I was n't getting enough to pay back an loan, my concern was keeping a roof over my family, she got aggressive asking about my income tax, if I own my home and how much was my employment, she was wrong on so many levels, she even said I knew I was getting fired. I am under alot of stress and I do not need this |
Improper contact or sharing of info | XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family. |
Cont'd attempts collect debt not owed | I do n't have any relationship with XXXX university |
Unable to get credit report/credit score | There are several issues:1. FAILURE TO DELIVER FREE CREDIT REPORT. I completed a complete written application including copies of driver 's license and utility and mailed that to Experian at its free credit report address. In response, Experian sent me a statement claiming I failed to provide ANY OF THAT that information in a letter I received about 2 weeks after my request.
2. BREACH OF CREDIT INFORMATION. The statement from Experian was directed to my home address but listed a completely unknown name : " XXXX XXXX XXXX. '' It appears that Experian has given me confidential identification belonging to another person. Experian 's Report Number is XXXX and was issued XXXX.
3. FAILURE TO MAINTAIN 800 Number. I received a subscription to ProtectMyId.com, a company owned by Experian, under a court settlement regarding massive identity theft. I logged onto that site and saw XXXX erroneous credit reporting issues. Using the website, I tried to file a complaint using that service, but it would not allow me to file any complaint. The website demanded a report number, but did not give me a report number to identity the matter. I attempted to call ProtectMyId.com but noone answered the phone, even when I hit XXXX or followed the prompts. I then tried to call Experian and could not get through either.
4. PROTECTMYID.COM. I filed an online complaint with the website stating it did not deliver the service it was set up to deliver. I received an email over a week after I sought help from ProtectMyId.com stating that my request for assistance was received. I responded asking for actual help. I have never received any assistance from the website, Experian 's subsidiary. Instead, they then sent me a letter telling me they could not help me with a dispute involving Experian.
CONCLUSION. I am very concerned that Experian is reporting incorrect information on my credit and refusing to communicate with me about it and is instead releasing another person 's name to me. If they confuse me with another person, are they sending out my confidential information to a complete stranger? XXXX |
Credit reporting company's investigation | On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015 |
Cont'd attempts collect debt not owed | The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ). |
Cont'd attempts collect debt not owed | I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!! |
Incorrect information on credit report | I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation. |
Cont'd attempts collect debt not owed | I am in distraught due to a collection debt XXXX XXXX XXXX had reported to the collection agency. This debt is now significantly damaging my credit score. I do not owe this amount nor the account belong to me. I recently started receiving mailing statements from this enhanced recovery company to collect that debt. I am outraged. I complained to the XXXX and also attempted twice to dispute these actions for the debt owed to the credit agencies. A lady by XXXX XXXX from the XXXX headquarters had harassed me with phone call and responded with a letter in regards to my complaint with the XXXX. She has a record of a XXXX XXXX and not myself. This is really embarrassing and completely inaccurate. I even attempted to reach out this person and see if there was a way to resolve this debt however I shouldnt have to because it does n't belong to me. Please help me with these inaccuracies and unlawful approaches this company has directed towards me. |
Dealing with my lender or servicer | My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there. |
Improper use of my credit report | XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA |
Improper contact or sharing of info | I ended service XXXX on XX/XX/XXXX. After receiving my final statement I notice some additional charges that needed to be corrected. Contacted on XX/XX/XXXX and informed them of the errors. A ticket was created to amend bill and a new updated bill will be sent in 7 to 10 business days. Bill never received. Called XXXX XX/XX/XXXX in regards to bill. Customer service observed bill was still waiting on supervisor approval for corrections. Another ticket was created and marked urgent for corrections and new bill. On XX/XX/XXXX received a credit alert stating that my XXXX account was turned over to a third party collections agency. Spoke with the representative rom Southwest Credit and they stated that they were XXXX attempting to collect on a past due bill for {$510.00}. Explain to them that the charges were incorrect and the bill was being reviewed for corrections. Requested to be transferred to billing and at that time they stated they were a third party collections hired by XXXX. I contacted XXXX XX/XX/XXXX and spoke with XXXX ( # XXXX ) who reviewed my bill with her supervisor and corrected it, She also sent a request to remove my account from the third party collections ( # XXXX ). On XX/XX/XXXX contacted XXXX to check on the status of my account and it was still in collections. The customer service representative stated that the first request was denied and the collection agency refused to remove at the request of XXXX. She then created a second ticket ( # XXXX ) which requested that the account be removed from collections. On XX/XX/XXXX the collection agency updated the payment amount from {$510.00} to {$360.00}. I contacted XXXX on XX/XX/XXXX and referenced that second request for my account to be removed form collections. I was informed that the collections agency denied and requested payment. I then contacted Southwest Credit and inquired about the request form XXXX and they stated that they never received any request. They took my information and stated that they would call me back. I continued to call XXXX between the dates of XXXX and XXXX to request my final statement and to request that the third party collection agency be removed from my account. XXXX repeatedly told me that they did not have to provide me a final bill and requested that I pay them the amount of {$360.00}. I informed them that I was told on several calls that I would get an updated bill in the mail. The customer service representative on XX/XX/XXXX told me that they do not have any function which will allow them to send me an update statement for the changes in the charges. I requested to speak to a manager and supervisor which they informed me that my bill was sent to collections in error but stated that they would not remove it until I paid XXXX {$360.00}. I requested a my updated statement again but XXXX refused to send me one. I then requested another ticket be generated to remove from collections but they denied stating that XXXX tickets hade been sent already. The manager of XXXX then stated that I needed to pay today or my account will stay in collections. She continued to recognize the error in billing but stated that once the bill is paid they would remove form collections. I informed her that I would submit payment once I had the ability to view my updated statement and that the third party collections was removed from my account. She stated that she would not send me the bill and that I should trust her that my balance is accurate. She reported that the collections will remain until I pay. |
False statements or representation | I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you. |
Cont'd attempts collect debt not owed | I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report. |
Credit reporting company's investigation | I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes.
Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results???? |
Cont'd attempts collect debt not owed | Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated. |
Disclosure verification of debt | I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims. |
Improper use of my credit report | I have a credit freeze in place but Experian provided XXXX XXXX XXXX access to and a copy of my report. |
False statements or representation | XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report. |
Incorrect information on credit report | My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance.
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification. |
Cont'd attempts collect debt not owed | This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX |
Credit monitoring or identity protection | I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE.
I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED. |
Cont'd attempts collect debt not owed | Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX. |
False statements or representation | For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated. |
Incorrect information on credit report | The following information is in my credit report file. This account was not in my name nor opened by me.
Item : XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Account No. XXXX |
Dealing with my lender or servicer | I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money. |
Incorrect information on credit report | I vie in my credit report a account it not mine and a name I never use or know. |