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Incorrect information on credit report
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My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You
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Incorrect information on credit report
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Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.
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Communication tactics
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Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family
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Disclosure verification of debt
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I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.
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Disclosure verification of debt
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I just bought a house in XX/XX/XXXX. My credit score was ran in XX/XX/XXXX my score was XXXX. When I went to get a car loan i was told someone recently reported a collection for {$400.00}. This was already on my credit score from XX/XX/XXXX this dropped my score down to XXXX. I was never made aware of this being recollected. I was never contacted to make a payment or asked to settle. I have made numerous attempts to call them and get the issue corrected or pay the balance but my calls go unanswered and unreturned. I have even attemtped to email and nothing has been done. Link Revenue Service has yet to call me back for settlement. Please take this off my credit report along with the bill fro medical placed for collections since they were bought out by Link revenue I ca n't pay them either. This is cauing serious issues for me financially.
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Taking/threatening an illegal action
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Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
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Disclosure verification of debt
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In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.
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Improper contact or sharing of info
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I keep receiving calls from a debt collector, Peerless Credit, at my place of employment regarding a medical bill. I have repeatedly told them I can not receive personal calls at work, that my work number is for company business only, they continue to call my job and harrass me even though they have my personal cell number. I just received another call today XXXX/XXXX/2015 at XXXX XXXX from XXXX at Peerless Credit. I repeatedly told him do not call my work over and over again and I was filing a complaint..I repeated this until he finally hung up.
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Communication tactics
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Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ).
We incurred debts when I was injured on XXXX with US military in XX/XX/XXXX, was improperly discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for Wells Fargo debt, where WF transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX XXXX, but when requested documentation it was quickly transferred to XXXX XXXX XXXX, under XXXX acct # XXXX. XXXX FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with XXXX DISASTER:1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in 2 hours '' -- that is usually 30-45 min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue 2/ PII, addresses, DOB and all info passed from US XXXX XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies.
I think that is ABSOLUTE disaster.
On top, seems like XXXX XXXX XXXX is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
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Credit monitoring or identity protection
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XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS.
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
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Communication tactics
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online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill
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Incorrect information on credit report
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I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Equifax credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
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Communication tactics
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I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.
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Communication tactics
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Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.
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Credit reporting company's investigation
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My credit card had a fraudulent charge posted to it and it took a few months for the credit card company to investigate and confirm that the charge was in fact not mine. I have not been able to get a straight answer from them as to whether or not this statement of fraud has been reported to the major credit bureaus. I am now looking to purchase a condo and just want to make sure that this is cleared up and is not showing that I have defaulted on payments when the charges were not mine and they took an extended time to investigate and told me it would be taken care of. I received a collections letter from a collections agency in attempt to have me pay the fraudulent charge. After initiating a fraud investigation, I then received another collections letter for the interest that was charged on the fraudulent charge that I had not paid ( because the interest was from the incorrectly posted charge ). The credit card agency my credit card is through is XXXX via XXXX XXXX XXXX under license from XXXX XXXX XXXX XXXX. The phone number for cardmember service is XXXX. Thank you for your help.
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Incorrect information on credit report
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My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.
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Incorrect information on credit report
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I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. XXXX has now updated and deleted the outdated information ..XXXX and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter
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Incorrect information on credit report
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You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA.
*XXXX # XXXX # XXXX XXXX {$510.00}, {$770.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA.
XXXX {$65.00} : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. XXXX XXXX and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed.
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
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Incorrect information on credit report
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I recently joined creditkarma.com to begin to rebuild my credit.
Shortly thereafter, I discovered an account in Collections from XXXX XXXX XXXX for {$470.00} through XXXX XXXX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX.
To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis.
So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers.
I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago.
As I have no accounts with XXXX XXXX XXXX, I have no documents to attach.
I would appreciate any assistance you can provide regarding this issue.
Sincerely, XXXX XXXX XXXX
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Cont'd attempts collect debt not owed
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I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have.
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until.
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''.
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
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Dealing with my lender or servicer
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I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.
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Communication tactics
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Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.
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Credit reporting company's investigation
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Transunion refuses to correct or to add the following comments to my credit
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX. No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.
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Cont'd attempts collect debt not owed
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The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.
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Incorrect information on credit report
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Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.
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Incorrect information on credit report
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You recently verified that XXXX items belong to me. How do you or where did you get that information from. XXXX XXXX has no validation of me, They have sent me letters stating not my name. XXXX of the letters had to different names. XXXX letter had a name that was similar to mine, and the other letter had a different name as well. The account in question stated phone numbers. I have never seen the numbers, never possessed any of the numbers they mention.
Please read this Notice and Demand very carefully ; failure to reply may subject you to criminal prosecution. Credit File dated XXXX XXXX, 2015, I received an re investigated letter from Equifax alleging that I owe a sum of money or property for an alleged past due amount that has been placed with for collection. I do not owe this corporation any money or property as I have never conducted any commerce with this said corporation and no contract obligating performance has been evidenced. XXXX XXXX does not have the standing to collect any money or property from me. I hereby dispute and deny the alleged debt. I have a Right to Due Process of Law which may be satisfied by producing the documents demanded in this correspondence within the time allowed. I would like for you to provide me with full documentation Full, that I have a contract with XXXX XXXX and by law that they have the right to collect a debt validated with all of my personal information is accurate.
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False statements or representation
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I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company.
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
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Dealing with my lender or servicer
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XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.
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Cont'd attempts collect debt not owed
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SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
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Cont'd attempts collect debt not owed
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I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.
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Disclosure verification of debt
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I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.
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Cont'd attempts collect debt not owed
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My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
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Can't repay my loan
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I ca n't pay for my private student loans. They have ballooned to more than double what I borrowed. I feel like I have a " payday '' student loan. They want me to pay over {$220000.00}, who can afford to pay that? They were marketed to me as a way to pay for the things you want or need while in college. To buy books, a nice apartment or even a new car. I got emails frequently saying it 's time to sign up again for your Chase Education One loan. I thought the Chase loans were different than the XXXX XXXX loans because XXXX XXXX mentions additional fees in their advertisements were as Chase did not.
Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance.
I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default.
Now that information is becoming more available I have learned in order to get them out of default I have find find a competed private student loan attorney, pay $ 2-4000 in lawyer fees and another $ 4-8000 as a good faith deposit just to get them out of default. Likely many, I could n't come up with all those fees and now I am being summons to court. How can I while making $ XXXXk a year afford to get caught up on these loans, let alone pay off the loans. These loans have left me helpless and hopeless!
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Incorrect information on credit report
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I paid my balance in full to reflect on my credit report through ADS XXXX XXXX XXXX , XXXX XXXXthe original creditor was XXXX XXXX orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. XXXX has already deleted this off of my credit report and I would like to request that XXXX and Transunion does the same.
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Cont'd attempts collect debt not owed
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A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.
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Cont'd attempts collect debt not owed
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Collection Agency Abuse of Powers.
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting.
Sincerely, XXXX
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Credit reporting company's investigation
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Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations
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Incorrect information on credit report
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XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect
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Communication tactics
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I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill.
Please help.
XXXX XXXX
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Dealing with my lender or servicer
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I was contacted by navient ( XXXX XXXX ) on XXXX XXXX, 2015 at approx. XXXX spoke with lady ( never gave name ) who advised me the status of my account. She advised me that I was 2 months behind at the beginning I told her that I could not pay until XXXX and XXXX/XXXX/2015, she advised me that she needed me to pay today or this month. I told her that I could n't she said that my account would escalate and they would start calling my co-signer. I feel very threatned by navient, I am not sure why she would tell me that my co-signer would be contacted, she is already called XXXX times a day so what changes now? I then asked her for a supervisor over XXXX times, and she never transferred the call. She said to me that she needed to know why I wanted a SUP I advised her to complain on her she still continued to speak and make me feel " threatened " and upset. I am currently suffering from a XXXX in which I am not allowed to have any XXXX and this is why I fell behind in my payments. She made me feel like I did something wrong and worse than I already fill. I then had to call back and request another rep XXXX to speak with a SUP he transferred me immediately. In speaking with the sup he advised me that I could set up my arrangement for XXXX and XXXX as previously requested and in addition he advised me that they had the correct card on file that the very rude rep I spoke with first did claims that I did not have on file. In summary, I feel that Navient has mislead me, harassed me and threatened me about my situation please help.
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Incorrect information on credit report
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Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email.
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due.
I am requesting that the credit bureaus delete the information or correct it.
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible.
Sincerely, XXXX XXXXXXXXXXXX
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Cont'd attempts collect debt not owed
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At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
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Can't repay my loan
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My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}.
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months.
My son is in XXXX and is not working, and we do not have the money to pay it off for him.
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off.
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay.
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?
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Incorrect information on credit report
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XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
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Credit monitoring or identity protection
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This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients.
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Cont'd attempts collect debt not owed
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I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file.
When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name.
They refuse to admit to the mistake and contact the bureau regarding this matter.
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Incorrect information on credit report
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Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.
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Incorrect information on credit report
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Dispute to have lien removed as it was paid in full. Dispute re investigation advised that this lien was verified. Reached out to XXXX County where my lien was filed and they advised they had not record of my lien as it is possible it was withdrawn. The agent advised me i could access their website and do a search for my name to see if I had any past liens whether paid or not paid. Was able to access the website and find that I am not in their system nor is any information public record on state taxes from 2008 until now.
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Dealing with my lender or servicer
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this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.
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Taking/threatening an illegal action
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I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.
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Can't repay my loan
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My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default.
This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.
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Disclosure verification of debt
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RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX.
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX.
Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me.
I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC.
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX.
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again!
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied.
XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted!
I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history.
Thank you.
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Incorrect information on credit report
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XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.
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Incorrect information on credit report
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I paid my balance in full to reflect on my credit report through XXXX XXXX XXXX XXXX XXXX XXXX in XXXX original creditor was XXXX XXXX Retail orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. Equifax has already deleted this off of my credit report and I would like to request that Experian and Transunion does the same.
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Credit reporting company's investigation
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XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.
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False statements or representation
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XXXX XXXX XXXX, XXXX has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt.
Documents proffered by XXXX XXXX XXXX, XXXX are insufficient to validate the alleged debt. Capital one and by and through XXXX XXXX have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me.
They are doing this to many others as well have made billions doing so in the worst of economics.
Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings.
They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time.
I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories.
Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015.
Capital One Bank on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights.
XXXX XXXX XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ).
The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value.
Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
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Disclosure verification of debt
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In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX.
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
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Incorrect information on credit report
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I have disputed XXXX disputes regarding XXXX different collection agencies that have reported collections on my account. I have provided proof of all collections that were paid in full and Experian failed to fully investigate and remove thoses items which are currently hurting my credit score. First was XXXX XXXX XXXX, Second XXXX XXXX ( XXXX XXXX XXXX ) and third XXXX XXXX Bank ( XXXX and XXXX ).
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Incorrect information on credit report
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I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.
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Cont'd attempts collect debt not owed
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I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
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Cont'd attempts collect debt not owed
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A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up
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Cont'd attempts collect debt not owed
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In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt.
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX.
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.
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Incorrect information on credit report
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XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
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Disclosure verification of debt
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I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation.
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.
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Cont'd attempts collect debt not owed
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XXXX XXXX ( from Accounts Receivable Consultants ) contacted me this morning asking for information on how to get in touch with my husband 's brother. When I asked what it was in reference to, he told me that it was a " personal matter '' and that he wanted to " extend an olive branch to my brother in law ''. The number he used to contact me is my cell phone and is on the do not call list. I explained that to him and he said that he would remove my name from his call list. So, why is there a call list for a personal matter?
What is bothersome is that a ) he did not represent himself truthfully as a debt collector and b ) I have not authorized anyone to use my number as a reference for credit and have never cosigned a loan of any sort so I am not sure where he found my unlisted number. I feel his tactics were fraudulent at best.
The number he called me from was XXXX. The call back number he gave me was XXXX. XXXX numbers are connected to Accounts Receivable Consultants located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The company website is www.accountsreceivableconsultants.com.
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Disclosure verification of debt
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They never sent me substantiated records of services rendered ... .nor did they offer flexible payment options.. before damaging a 40 year old XXXX credit rating .
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Incorrect information on credit report
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I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
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False statements or representation
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I received a call on XXXX XXXX, 2015 at XXXX from a Private number on my work cellphone. The caller stated he was a process server who was scedule to serve paper because someone is taking me to court for debit. He gave a the number to National Arbitration ( XXXX ) to call before Monday XXXX/XXXX/15, the he would server my papers. I called the number and was told by the woman who anwsered the phone I took out a payday loan with XXXX XXXX XXXX that I did n't pay back and XXXX XXXX XXXX is now taking me to court to press Fraud and bad check charges. I told her I ca n't pay today so she sent me to er manager. He stated the same charges and that I would be served and taken to court if I did n't pay. I called XXXX XXXX XXXX directly at XXXX and was told my account was sent to XXXX collection agency ( XXXX ) but they are not pressing charges of any kind just seeking repayment. I called XXXX whom said they sold the account to XXXX XXXX collections ( XXXX ). XXXX XXXX confirmed they brought my account and had contracted National Arbitration to collect the debit, but again are not pressing any charges. So I called back national arbitration to let them know I confirmed the original creditor is not pressing charges and what the said is false and illegal. I was transferred to a supervisor named XXXX how looked at the account note to see whom I 'd previously spoken with. He stated he had this same issue with the XXXX reps whom gave false and illegal information before and they would be dealt with.
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Incorrect information on credit report
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I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
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Cont'd attempts collect debt not owed
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I have been advised by a third party that there were several innacuracies on my credit reports and discovered that Chase Card had a collection account in my name for a debt that does not belong to me further that I believe was opened fraudulently.
Chase then sold the debt to XXXX XXXX who then posted an additional collection item on my credit report. The CFPB assisted me in haviing XXXX XXXX remove both their false information and the erroneous claim by Chase from my XXXX and XXXX XXXX histories, however XXXX continues to show the Chase Card Claim on my report.
I have informed XXXX several times by mail and on their website, that this account does not belong to me and they continue to report it. I have written to Chase Card demanding proof of this debt as I know this account was not opened by me.
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Unable to get credit report/credit score
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Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.
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Communication tactics
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Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.
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Disclosure verification of debt
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Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.
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Unable to get credit report/credit score
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Equifax has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015 for which I am entitled a free credit report. They advised I am " locked out of their system '' even though I am able to verify and confirm that all my identifying information matches what they have in my file and answer any additional security questions. They were unable to provide an explanation as to why I am locked of their system and are unwilling to provide me with my own credit report or credit file number.
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Dealing with my lender or servicer
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I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.
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Credit reporting company's investigation
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I called Trans union and spoke to a supervisor named XXXX about a adverse account on my XX/XX/XXXX credit report, which they did a investigation on and sent me the results as deleted with a date of XXXX I am now told it was n't verified, but that is n't what the letter says. XXXX of the forms state unverifiable info must be removed. The guy gave me this website and then hung up. Please help me with this situation, thank you and XXXX BLESS, P.S. I 'm doing this from my cell phone and do n't know how to attach documents nor do I have a computer
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Cont'd attempts collect debt not owed
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Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up.
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Incorrect information on credit report
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TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist.
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False statements or representation
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I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX.
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False statements or representation
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Cavalry SPV 1, LLC has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt.
Documents proffered by Cavalry SPV 1, LLC are insufficient to validate the alleged debt. XXXX XXXX and by and through Cavalry SPV1 have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me.
They are doing this to many others as well have made billions doing so in the worst of economics.
Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings.
They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time.
I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories.
Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015.
XXXX XXXX XXXX on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights.
Cavalry SPV I , LLC, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ).
The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value.
Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
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Can't repay my loan
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XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.
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Communication tactics
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I have received several phone calls about a debt that I owe to Macy 's.
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.
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Credit reporting company's investigation
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I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
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Credit reporting company's investigation
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I went on line with Equifax Credit Bureau to dispute a incorrect item on my credit report and instead of starting an investigation Equifax sent me a letter stating that they were putting a " fraud Alert '' on my credit profile and notified the other XXXX credit reporting bureaus to do the same. I did not request Equifax to put a " Fraud Alert '' on my credit profile nor did I give them permission. I requested an investigation into a item on my credit profile by law they are required to do. I want Equifax to remove the " Fraud Alert '' and notify the other bureaus that they notified and remove the same. This is the XXXX or XXXX complaint I have filed against this Bureau. If I ca n't get any help I will obtain an attorney and file a lawsuit against Equifax. I am still unable to receive my online free credit report. I am always told to send in the mail for my report. I am entitle to be able to download my report once I accurately verify the questions. I have asked the CFPB to investigate this XXXX and you have taken the word of this company that their is no block preventing me from accessing and downloading my credit report. Equifax is the only bureau that I have problems. I want this " fraud Alert '' removed immediately and I would like verification that this has been done.
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Cont'd attempts collect debt not owed
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" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ).
URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
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False statements or representation
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Around XXXX of 2009 I had cancelled service with XXXX wireless ( cell phone service ) by contacting their corporate office via phone and was told that the service would be turned off and not be charged a cancellation fee. I do n't know why but I never received anything by mail or telephone call to inform me that XXXX was trying to collect an unpaid bill for the month of service before cancellation. Due to none payment Version sold my debt and I was contacted years later by Midland credit management. After speaking with them multiple times and trying to fix the issue, also speaking with XXXX, who does n't have any available information to give me, I have noticed that the date the collection was opened has changed a few times. I 'm concerned that there might be an illegal and/or unethical practice going on. Not only has the date changed but the price of the debt is significantly higher than should be. I have no other option than to submit a complaint. If nothing can be done from a complaint then next course of action would be contacting an attorney to investigate the matter in more detail for legal actions.
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Cont'd attempts collect debt not owed
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This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
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Dealing with my lender or servicer
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Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.
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Cont'd attempts collect debt not owed
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Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names.
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.
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Communication tactics
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Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.
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Dealing with my lender or servicer
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They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.
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Incorrect information on credit report
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I have written the credit reporting agenecies XXXX and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( ExperianXXXX, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
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Incorrect information on credit report
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XXXX XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.
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Disclosure verification of debt
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The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody.
XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so.
XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
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Credit monitoring or identity protection
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I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.
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Incorrect information on credit report
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I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.
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False statements or representation
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I keep getting calls from area code ( XXXX ) with the following numbers : XXXX & XXXX & XXXX ( 4 times in one hour today from this last number ). I do n't answer, but they continue leaving voicemail messages threatening to send a server to my door if I do n't call back ; threatening to take me to court. I have absolutely no debt. I looked up the first XXXX numbers and there were many reports of this being a scam. How can these people keep calling me when my phone number is registered? I feel like I 'm being harassed now. Thank you for any help you can provide me!
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False statements or representation
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Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.
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Credit reporting company's investigation
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There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation.
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.
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Cont'd attempts collect debt not owed
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This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.
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