In [1]:
import pandas as pd
import numpy as np
from altair import Chart, load_dataset
In [2]:
csv_path = "../data/consumer-complaints.csv"
csv_path_out = "../data/consumer-complaints-formatted.csv"
In [3]:
complaints = pd.read_csv(csv_path, parse_dates=[0], infer_datetime_format=True, low_memory=False)
In [4]:
complaints.head()
Out[4]:
Date received
Product
Sub-product
Issue
Sub-issue
Consumer complaint narrative
Company public response
Company
State
ZIP code
Tags
Consumer consent provided?
Submitted via
Date sent to company
Company response to consumer
Timely response?
Consumer disputed?
Complaint ID
0
2013-07-29
Consumer Loan
Vehicle loan
Managing the loan or lease
NaN
NaN
NaN
Wells Fargo & Company
VA
24540
NaN
NaN
Phone
07/30/2013
Closed with explanation
Yes
No
468882
1
2013-07-29
Bank account or service
Checking account
Using a debit or ATM card
NaN
NaN
NaN
Wells Fargo & Company
CA
95992
Older American
NaN
Web
07/31/2013
Closed with explanation
Yes
No
468889
2
2013-07-29
Bank account or service
Checking account
Account opening, closing, or management
NaN
NaN
NaN
Santander Bank US
NY
10065
NaN
NaN
Fax
07/31/2013
Closed
Yes
No
468879
3
2013-07-29
Bank account or service
Checking account
Deposits and withdrawals
NaN
NaN
NaN
Wells Fargo & Company
GA
30084
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
468949
4
2013-07-29
Mortgage
Conventional fixed mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
Franklin Credit Management
CT
06106
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
475823
In [35]:
complaints[complaints['Company public response'].notnull()]['Company public response'].value_counts()
Out[35]:
Company has responded to the consumer and the CFPB and chooses not to provide a public response 79080
Company chooses not to provide a public response 52476
Company believes it acted appropriately as authorized by contract or law 30380
Company believes the complaint is the result of a misunderstanding 2705
Company disputes the facts presented in the complaint 2516
Company believes complaint caused principally by actions of third party outside the control or direction of the company 2336
Company believes complaint is the result of an isolated error 2091
Company can't verify or dispute the facts in the complaint 1450
Company believes complaint represents an opportunity for improvement to better serve consumers 942
Company believes complaint relates to a discontinued policy or procedure 39
Name: Company public response, dtype: int64
In [22]:
complaints['Tags'].value_counts()
Out[22]:
Older American 59587
Servicemember 35534
Older American, Servicemember 8287
Name: Tags, dtype: int64
In [23]:
complaints['Company response to consumer'].value_counts()
Out[23]:
Closed with explanation 546073
Closed with non-monetary relief 91088
Closed with monetary relief 49181
Closed without relief 17863
Closed 16897
Closed with relief 5298
In progress 4050
Untimely response 4038
Name: Company response to consumer, dtype: int64
In [19]:
len(complaints)
Out[19]:
734488
In [24]:
complaints['Company'].value_counts()
Out[24]:
Bank of America 64563
Wells Fargo & Company 52148
Equifax 46034
Experian 43345
JPMorgan Chase & Co. 41463
TransUnion Intermediate Holdings, Inc. 37610
Citibank 33612
Ocwen 23720
Capital One 19526
Navient Solutions, LLC. 15936
Nationstar Mortgage 15805
Synchrony Financial 12401
U.S. Bancorp 11969
Ditech Financial LLC 11149
PNC Bank N.A. 8413
Amex 7979
Encore Capital Group 7572
HSBC North America Holdings Inc. 7052
Discover 6183
SunTrust Banks, Inc. 6005
TD Bank US Holding Company 5721
Select Portfolio Servicing, Inc 5597
Portfolio Recovery Associates, Inc. 4786
Citizens Financial Group, Inc. 3897
Barclays PLC 3835
ERC 3724
AES/PHEAA 3607
Seterus, Inc. 3590
Fifth Third Financial Corporation 3564
BB&T Financial 3228
...
Southwest Finance, L.L.C. 1
National Integrity LLC 1
Abrahamsen Ratchford, P.C 1
Vanderwey Investments, LLC 1
New World Collection, Inc. 1
Leopold & Associates, PLLC 1
Professional Credit Analysts of MN, Inc. 1
Rivertown Credit LLC 1
TCN Inc 1
Ideal Lending Solutions, Inc. 1
Vinson Mortgage Services, Inc. 1
Aspen Home Mortgage Group 1
Cheryl A. Warzynski PLLC 1
New Horizons Finance Company, Inc 1
FCN Catalogue & Equipment, Inc. 1
Taylor Pigue Marchetti & Blair, PLLC 1
March Motors, Inc. 1
Mortgages Unlimited Inc 1
Sentry Abstract Co. 1
Hello Digit, Inc 1
Jefferson Title Corporation 1
The Hamilton Law Association 1
Vericheck 1
Credit Wise Recovery Solution LLC 1
Willow Bend Mortgage Company, LLC 1
Warlick, Stebbins, Murray & Chew, LLP 1
Nations Holding Company 1
Krawczyk, Duginski & Rohr, S.C. 1
The Law Offices of Richard W. Krieg, LLC 1
Schiller & Adam, P.A. 1
Name: Company, dtype: int64
In [19]:
boa = complaints[complaints['Company'] == 'Bank of America']
In [34]:
complaints.groupby(['Issue', 'Sub-issue']).size().order(ascending=False)
/anaconda/lib/python2.7/site-packages/ipykernel/__main__.py:1: FutureWarning: order is deprecated, use sort_values(...)
if __name__ == '__main__':
Out[34]:
Issue Sub-issue
Incorrect information on credit report Account status 35126
Cont'd attempts collect debt not owed Debt is not mine 34587
Incorrect information on credit report Information is not mine 29975
Disclosure verification of debt Not given enough info to verify debt 19821
Cont'd attempts collect debt not owed Debt was paid 15551
Communication tactics Frequent or repeated calls 14006
Incorrect information on credit report Account terms 10326
False statements or representation Attempted to collect wrong amount 8353
Incorrect information on credit report Public record 8205
Personal information 7046
Disclosure verification of debt Right to dispute notice not received 6643
Unable to get credit report/credit score Problem getting my free annual report 6254
Credit reporting company's investigation No notice of investigation status/result 5903
Problem with statement of dispute 5517
Incorrect information on credit report Reinserted previously deleted info 5262
Improper use of my credit report Report improperly shared by CRC 4841
Dealing with my lender or servicer Trouble with how payments are handled 4781
Improper contact or sharing of info Talked to a third party about my debt 4742
Cont'd attempts collect debt not owed Debt resulted from identity theft 4512
Communication tactics Threatened to take legal action 4484
Unable to get credit report/credit score Problem getting report or credit score 4188
Repaying your loan Repaying your loan 3820
Can't repay my loan Can't decrease my monthly payments 3543
Dealing with my lender or servicer Received bad information about my loan 3284
Can't repay my loan Can't get flexible payment options 2973
Taking/threatening an illegal action Threatened to sue on too old debt 2583
Credit reporting company's investigation Investigation took too long 2516
Improper contact or sharing of info Contacted me after I asked not to 2481
Dealing with my lender or servicer Having problems with customer service 2407
Charged fees or interest I didn't expect Charged fees or interest I didn't expect 2327
...
Disclosure verification of debt Not disclosed as an attempt to collect 1681
Credit reporting company's investigation Inadequate help over the phone 1594
Taking/threatening an illegal action Sued w/o proper notification of suit 1322
Can't repay my loan Can't temporarily postpone payments 1303
False statements or representation Impersonated an attorney or official 1251
Dealing with my lender or servicer Keep getting calls about my loan 1128
Taking/threatening an illegal action Seized/Attempted to seize property 1102
Dealing with my lender or servicer Need information about my balance/terms 1041
Can't contact lender Can't contact lender 957
False statements or representation Indicated committed crime not paying 955
Communication tactics Called outside of 8am-9pm 867
Taking/threatening an illegal action Attempted to/Collected exempt funds 860
Credit monitoring or identity protection Billing dispute 844
Account terms and changes 684
Received a loan I didn't apply for Received a loan I didn't apply for 558
Can't stop charges to bank account Can't stop charges to bank account 480
Credit monitoring or identity protection Problem cancelling or closing account 461
Taking/threatening an illegal action Sued where didn't live/sign for debt 385
Payment to acct not credited Payment to acct not credited 356
False statements or representation Indicated shouldn't respond to lawsuit 330
Applied for loan/did not receive money Applied for loan/did not receive money 301
Getting a loan Can't qualify for a loan 282
Charged bank acct wrong day or amt Charged bank acct wrong day or amt 274
Improper contact or sharing of info Contacted me instead of my attorney 237
Getting a loan Getting a loan 205
Credit monitoring or identity protection Receiving unwanted marketing/advertising 204
Improper use of my credit report Received marketing offer after opted out 163
Report shared with employer w/o consent 153
Getting a loan Qualify for a better loan than offered 147
Credit monitoring or identity protection Insurance terms 4
dtype: int64
In [33]:
boa.groupby(['Issue', 'Sub-issue']).size()
Out[33]:
Issue Sub-issue
Applied for loan/did not receive money Applied for loan/did not receive money 1
Can't contact lender Can't contact lender 4
Can't repay my loan Can't decrease my monthly payments 5
Can't get flexible payment options 7
Can't temporarily postpone payments 4
Charged fees or interest I didn't expect Charged fees or interest I didn't expect 4
Communication tactics Called after sent written cease of comm 17
Called outside of 8am-9pm 9
Frequent or repeated calls 128
Threatened to take legal action 48
Used obscene/profane/abusive language 4
Cont'd attempts collect debt not owed Debt is not mine 266
Debt resulted from identity theft 50
Debt was discharged in bankruptcy 76
Debt was paid 173
Credit monitoring or identity protection Problem cancelling or closing account 2
Credit reporting company's investigation Investigation took too long 1
Dealing with my lender or servicer Don't agree with fees charged 2
Having problems with customer service 5
Keep getting calls about my loan 1
Need information about my balance/terms 8
Received bad information about my loan 12
Trouble with how payments are handled 10
Disclosure verification of debt Not disclosed as an attempt to collect 18
Not given enough info to verify debt 390
Right to dispute notice not received 51
False statements or representation Attempted to collect wrong amount 93
Impersonated an attorney or official 12
Indicated committed crime not paying 11
Indicated shouldn't respond to lawsuit 1
Getting a loan Can't qualify for a loan 1
Getting a loan 3
Qualify for a better loan than offered 1
Improper contact or sharing of info Contacted employer after asked not to 16
Contacted me after I asked not to 26
Contacted me instead of my attorney 4
Talked to a third party about my debt 54
Improper use of my credit report Report improperly shared by CRC 8
Incorrect information on credit report Account status 61
Account terms 5
Information is not mine 15
Public record 1
Reinserted previously deleted info 2
Problems when you are unable to pay Problems when you are unable to pay 13
Received a loan I didn't apply for Received a loan I didn't apply for 5
Repaying your loan Repaying your loan 26
Taking/threatening an illegal action Attempted to/Collected exempt funds 12
Seized/Attempted to seize property 69
Sued w/o proper notification of suit 17
Sued where didn't live/sign for debt 4
Threatened arrest/jail if do not pay 9
Threatened to sue on too old debt 40
dtype: int64
In [40]:
complaints.groupby(['Issue', 'Sub-issue']).size()
Out[40]:
Issue Sub-issue
Applied for loan/did not receive money Applied for loan/did not receive money 302
Can't contact lender Can't contact lender 963
Can't repay my loan Can't decrease my monthly payments 3600
Can't get flexible payment options 3003
Can't temporarily postpone payments 1315
Can't stop charges to bank account Can't stop charges to bank account 482
Charged bank acct wrong day or amt Charged bank acct wrong day or amt 275
Charged fees or interest I didn't expect Charged fees or interest I didn't expect 2345
Communication tactics Called after sent written cease of comm 1786
Called outside of 8am-9pm 869
Frequent or repeated calls 14071
Threatened to take legal action 4517
Used obscene/profane/abusive language 1749
Cont'd attempts collect debt not owed Debt is not mine 34814
Debt resulted from identity theft 4562
Debt was discharged in bankruptcy 2301
Debt was paid 15690
Credit monitoring or identity protection Account terms and changes 689
Billing dispute 847
Insurance terms 4
Problem cancelling or closing account 466
Problem with fraud alerts 2002
Receiving unwanted marketing/advertising 205
Credit reporting company's investigation Inadequate help over the phone 1608
Investigation took too long 2535
No notice of investigation status/result 5946
Problem with statement of dispute 5548
Dealing with my lender or servicer Don't agree with fees charged 2380
Having problems with customer service 2455
Keep getting calls about my loan 1145
...
False statements or representation Indicated committed crime not paying 967
Indicated shouldn't respond to lawsuit 332
Getting a loan Can't qualify for a loan 286
Getting a loan 205
Qualify for a better loan than offered 148
Improper contact or sharing of info Contacted employer after asked not to 2119
Contacted me after I asked not to 2494
Contacted me instead of my attorney 237
Talked to a third party about my debt 4766
Improper use of my credit report Received marketing offer after opted out 163
Report improperly shared by CRC 4903
Report shared with employer w/o consent 157
Incorrect information on credit report Account status 35338
Account terms 10418
Information is not mine 30196
Personal information 7106
Public record 8252
Reinserted previously deleted info 5339
Payment to acct not credited Payment to acct not credited 356
Problems when you are unable to pay Problems when you are unable to pay 1697
Received a loan I didn't apply for Received a loan I didn't apply for 561
Repaying your loan Repaying your loan 3820
Taking/threatening an illegal action Attempted to/Collected exempt funds 865
Seized/Attempted to seize property 1108
Sued w/o proper notification of suit 1334
Sued where didn't live/sign for debt 385
Threatened arrest/jail if do not pay 2217
Threatened to sue on too old debt 2602
Unable to get credit report/credit score Problem getting my free annual report 6282
Problem getting report or credit score 4211
dtype: int64
In [8]:
wrong_debt = complaints[complaints['Sub-issue'] == 'Debt is not mine']
paid_debt = complaints[complaints['Sub-issue'] == 'Debt was paid']
In [43]:
wrong_debt['Company'].value_counts()
Out[43]:
Encore Capital Group 1965
ERC 1477
Portfolio Recovery Associates, Inc. 1158
Convergent Resources, Inc. 774
Afni, Inc. 577
Transworld Systems Inc. 541
Resurgent Capital Services L.P. 496
Diversified Consultants, Inc. 479
Citibank 473
Expert Global Solutions, Inc. 463
Dynamic Recovery Solutions, LLC 463
Allied Interstate LLC 434
I.C. System, Inc. 433
Synchrony Financial 413
EOS Holdings, Inc. 409
Navient Solutions, LLC. 403
Stellar Recovery Inc. 380
CCS Financial Services, Inc. 376
Commonwealth Financial Systems, Inc. 357
Capital One 340
National Credit Systems,Inc. 297
JPMorgan Chase & Co. 295
The CBE Group, Inc. 283
Southwest Credit Systems, L.P. 278
Pinnacle Credit Services, LLC 276
Receivables Performance Management LLC 275
Bank of America 266
First National Collection Bureau, Inc. 251
The CMI Group, Inc. 233
Credit Protection Association, L.P. 216
...
Udren Law Offices, P.C. 1
Lippman & Reed, PLLC 1
Tri-Counties Accounts Adjustment Bureau 1
Superior Adjustment, Inc. 1
Blackwell, Burns & Pratt 1
Century Financial Group 1
Global One Arbitration Inc. 1
Delta Outsource Group, Inc. 1
Consumer Recovery Solutions, LLC 1
Nevada Professional Collections Texas 1
Man-Data Inc. 1
21st Mortgage Corporation 1
United Credit and Collections Inc. 1
World Omni Financial Corp. 1
Credit Bureau of Jamestown, Inc. 1
J&J Financial Services LLC 1
First Capital Recovery Inc. 1
Douglas, Chancellor, Meyers and Associates, LLC 1
Yakima County Credit Service, INC 1
Economic Recovery Consultants, Inc 1
Global Lending Services LLC 1
Brelvis Consulting, LLC 1
S & S Recovery, Inc. 1
N&S Partners 1
Brian Kvarfordt 1
PRO Consulting Services, Inc. 1
Bernhardt and Strawser, P.A. 1
LendingTree, Inc 1
Jerold Kaplan Law Office, P.C. 1
FirstBank of Puerto Rico 1
Name: Company, dtype: int64
In [45]:
paid_debt['Company'].value_counts()
Out[45]:
Encore Capital Group 653
ERC 460
Portfolio Recovery Associates, Inc. 438
Transworld Systems Inc. 358
Citibank 291
Synchrony Financial 261
Expert Global Solutions, Inc. 244
Diversified Consultants, Inc. 239
Capital One 234
Afni, Inc. 233
Convergent Resources, Inc. 211
I.C. System, Inc. 182
JPMorgan Chase & Co. 174
Bank of America 173
Resurgent Capital Services L.P. 169
Commonwealth Financial Systems, Inc. 150
Southwest Credit Systems, L.P. 132
CCS Financial Services, Inc. 130
Stellar Recovery Inc. 121
Tenet HealthCare Corporation 118
HSBC North America Holdings Inc. 117
EOS Holdings, Inc. 117
Receivables Performance Management LLC 115
CMRE Financial Services, Inc. 113
Navient Solutions, LLC. 109
Dynamic Recovery Solutions, LLC 107
National Credit Systems,Inc. 106
Wells Fargo & Company 106
Alorica Inc. 105
Allied Interstate LLC 99
...
MicroBilt / PRBC (formerly CL Verify) 1
Nagle & Zaller, PC 1
Lefkoff, Rubin, Gleason & Russo, P.C. 1
Hood & Stacy, P.A. 1
Certified Services, Inc. 1
R & R Collection Service, Inc. 1
Pollack & Rosen, P.A. 1
Adsen & Associates, LLC 1
Credit & Collection Recovery Services, Inc. 1
National Account Services, Inc. 1
Collection Center Inc 1
The Law Offices of Erskine and Fleisher 1
MJ Altman Companies, Inc. 1
BOK Financial Corp 1
Harris Beach PLLC 1
Morgan & Pottinger, PSC 1
Precise Financial Group, LLC 1
Robinson & Associates 1
Diverse Financial Enterprises 1
IBERIABANK 1
TFC Credit Corporation of California 1
Worldwide Processing Group, LLC 1
Regional Credit Solutions 1
Bayfield Financial, LLC 1
Money Management International, Inc. 1
Curtwright & Klein, LLC 1
Revenue Enterprises, LLC 1
CU Recovery, Inc. 1
BankUnited 1
FirstBank of Puerto Rico 1
Name: Company, dtype: int64
In [47]:
complaints['Sub-issue'].value_counts()
Out[47]:
Account status 35338
Debt is not mine 34814
Information is not mine 30196
Not given enough info to verify debt 20050
Debt was paid 15690
Frequent or repeated calls 14071
Account terms 10418
Attempted to collect wrong amount 8417
Public record 8252
Personal information 7106
Right to dispute notice not received 6704
Problem getting my free annual report 6282
No notice of investigation status/result 5946
Problem with statement of dispute 5548
Reinserted previously deleted info 5339
Trouble with how payments are handled 4906
Report improperly shared by CRC 4903
Talked to a third party about my debt 4766
Debt resulted from identity theft 4562
Threatened to take legal action 4517
Problem getting report or credit score 4211
Repaying your loan 3820
Can't decrease my monthly payments 3600
Received bad information about my loan 3352
Can't get flexible payment options 3003
Threatened to sue on too old debt 2602
Investigation took too long 2535
Contacted me after I asked not to 2494
Having problems with customer service 2455
Don't agree with fees charged 2380
...
Not disclosed as an attempt to collect 1690
Inadequate help over the phone 1608
Sued w/o proper notification of suit 1334
Can't temporarily postpone payments 1315
Impersonated an attorney or official 1254
Keep getting calls about my loan 1145
Seized/Attempted to seize property 1108
Need information about my balance/terms 1057
Indicated committed crime not paying 967
Can't contact lender 963
Called outside of 8am-9pm 869
Attempted to/Collected exempt funds 865
Billing dispute 847
Account terms and changes 689
Received a loan I didn't apply for 561
Can't stop charges to bank account 482
Problem cancelling or closing account 466
Sued where didn't live/sign for debt 385
Payment to acct not credited 356
Indicated shouldn't respond to lawsuit 332
Applied for loan/did not receive money 302
Can't qualify for a loan 286
Charged bank acct wrong day or amt 275
Contacted me instead of my attorney 237
Getting a loan 205
Receiving unwanted marketing/advertising 205
Received marketing offer after opted out 163
Report shared with employer w/o consent 157
Qualify for a better loan than offered 148
Insurance terms 4
Name: Sub-issue, dtype: int64
In [48]:
wd_narratives = wrong_debt[wrong_debt['Consumer complaint narrative'].notnull()]['Consumer complaint narrative']
In [56]:
filter(lambda x: 'XX' not in x, wd_narratives)
Out[56]:
['This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY! \n',
'I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify \'\' when the debts are not mine!! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I received letters and a phone call from a debt collector for a debt that is not mine. \n',
'I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'THIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. \n\nI am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line. \n',
'I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE. \n',
'OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME \n',
'Calling for someone that does not live with me and never has. \n',
'I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT \n',
'United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property. \n',
'AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report. \n',
'ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. \nIt needs to be removed at once/ \n',
'This debt collect continues to report false information for a debt I do not owe. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR \n',
'Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone. \n',
'Apartment I lease was ended due to bed bugs \n',
'I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call. \n',
'this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it. \n',
'I have no idea what this debt is please provide original documents showing the validity of this debt \n',
'The debt belongs to my son and they refuse to remove it from my credit bureau information \n',
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
'I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment. \n',
'Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call. \n',
"I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. \n\nI refuse to pay this bill because my child 's father is responsible for this bill. \n",
'CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me. \n',
'Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought. \n',
'No heath care bill is owed to anyone, this is false and no verification was ever provided \n',
'Received calls from " Bryant Bryant and Associates \'\' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n\'t need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones. \n',
'I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. \nUnable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. \nThe company has further stated, they ca n\'t understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine \'\'. \nAccording to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n\'t have any loans that was sold to this company. \nThey further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score. \n',
'I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information. \n',
'This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified \'\'. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. \n',
'Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number. \n',
'THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT. \n',
'I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to. \n',
'I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit. \n',
'there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance \n',
'Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. \n\nI am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere. \n',
"We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result. \n",
'i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them',
'Allied Interstate continues to call my home for a person who does not live here. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me. \n',
"I need some help with a situation with an apartment complex charging me for carpet in a unit which I full filled my lease as agreed. When I moved in the carpet was damaged which was brought to this company 's attention. They have a remark listed on my credit file and filed a judgement which I was not aware of. Please help. I did try to call and speak with someone which I was informed they do not care about anything except for collecting what is stated I owed. I do not feel I owe anything at all. Please help \n",
'I do not know this company and never done business with them. \n',
"I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.",
"I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. \n\nI have no reason to take this seriously. Please remove me from your call-lists. \n\nI do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently. \n",
'I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU. \n',
"I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!\n\nTHIS IS NOT MY DEBT!\n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!',
'They keep calling me although they have the wrong name. I told them in so many words but they still call. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem \n',
'I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account \'\' as required by the FDCPA \n',
"I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received. \n",
'A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. \nThey called yet again today and when I told them it was not my debt they became rude and harassing. \n',
'I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. \nI have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. \n\nI was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date. \n',
'I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done. \n',
'Portfolio collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help. \n',
'The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. \n\nThe collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters. \n',
'Almost daily phone calls from Stellar Recovery for months now. All computer calls. \n\nI own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. \n\nI have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment. \n',
'they put my sons collections on my report he has the same name. \n',
'I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down. \n',
'Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt \'\'. Extremely rude and unprofessional. \n',
'Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida. \n',
'A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too \n',
"This company is trying to collect a debt I do n't owe. \n",
'CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME. \n',
"It 's affecting my credit on the purchase of a house. \n",
'This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me. \n',
'I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. \n\nThey just sent a letter of collection for this nonexistent debt for {$740.00} \n',
"They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list. \n",
'Never had service with company. They also REAGED the " debt \'\'. \n',
'Received telephone call from unknown telephone number resulting from debt collection company and they did not leave message. \n',
'I made several attempts to CA via returned receipt to validate this debt. I have not received any response from my attempts to CA to verify this debt but they continue to report and collect on this. \nThey have violated my rights. \n',
"I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit. \n",
'I have made pervious attempts to have the agency validate this " debt \'\', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report. \n',
'Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns. \n',
"Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back. \n",
'This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file. \n',
'I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. \n\nTherefore, because I am disputing this debt, it should not be reported to the credit reporting agencies. \n',
"Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen. \n",
'i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA \n',
'Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine. \n',
'Transworld alleges a debt that has never been owed and, even if it were, the statute of limitations would have run more than five years ago. Total fraud. \n',
'I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law. \n',
'My daughter and I have similar names and reside at the same address but have very different social security numbers, I was told by the creditor that is why the debt appeared on my credit report. The debt owed belongs to my daughter not me and needs to be removed off all credit bureau reports pertaining to me as soon as possible. Thanks in advance for the removal. \n',
"i do n't know who these people even are i 've never had a credit anything company \n",
'I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me. \n',
'I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report. \n',
'Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment. \n',
"they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report. \n",
'I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated. \n',
'I have several medical bills in collection from a company called Bull City which are not mine. I was never hospitalized or seeked medical attention at any of the times listed. \n',
'I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. \n\nPlease advise on the best way to handle this. \n',
'I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article 809a of the FDCPA \n',
'This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. \n',
'I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt. \n',
'I saw an open account on my credit that does not belong to me not even sure what it is. \n',
'COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA \n',
'I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files. \n',
'I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address. \n',
'I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay. \n',
'This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting! \n',
'I overlook my credit report and this item was on there, i dont think its fair to pay a bill thats not mine. \n',
'Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number. \n',
'R R resource company continues to report a debt that does not belong to me on my credit. I have sent numerous letters for them to correct this and refuse. The original creditor will not even respond to my letters. This is a account for a ambulance service that I never used. I never was in a ambulance during that year nor was my children. We have never had a lapse in health care coverage in 15 years as well. During the time the are reporting as well. I have asked for documentation to prove the basis of the debt and I get nothing but a bill from the creditor. If this was a service we would have used it would have been billed to our insurance. But we did not use the service at all so this doesnt apply. \n',
'This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling. \n',
'Portfolio Recovery Inc. calling my private cell phone in regards to an issue with a member of my family. \n',
'I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam. \n',
'This is a debt collection that I do not owe and do not understand why this is my name. \n',
'Debt collector for portfolio recovery services continues to call my cell phone about someone else \'s debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today \'\'. And asked me why I was calling about someone else \'s account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed. \n',
"original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal. \n",
'This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics. \n',
"I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers.. \n",
'My wife \'s cell phone ( not even my phone ) keeps getting calls from people asking for me, who will only give their first name, and refuse to say what the nature of their business is with me. When we call the number back ( they use several different numbers ) it is all from a Debt Collector called " Portfolio Recovery Associates. \'\' They have been told that I do not owe them or anyone else any unpaid debt and to stop calling my wife \'s cell phone. I had to disconnect my house phone due to the harassing nature of the calls. \n',
'I have continuously requested for debt validation and verification from this company. They have used tactics that reflect their noncompliance with my request \n',
"ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it. \n\nAbout 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years. \n\nRecently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ). \n\nIt is not a legitimate debt! \nThe statute of limitations expired years ago! \nAnd it was illegal for them to attach it to my credit! \n",
"Medical bills were to be sent to auto insurance company for car accident. The was never sent to insurance company for processing, How Remex Inc a debit collector got my phone and acquisitions that they sent me statements and I did n't respond. They never sent any thing and didnot even have the right information. Even after i ask them to send me a bill they gave me the run around and also filed false information on my credit report. \n",
'Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them. \n',
'They are calling wrong number. For over a year. \n',
'I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account. \n',
"Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. \nThey do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.",
"This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports. \n",
'I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from. \n',
'I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages. \n',
'I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem \n',
"My sister took out a high interest loan with this company, then lost her job and defaulted on the loan. I am not a party to the loan in any way, shape or form. The company somehow figured out I am her sister and started calling me. I have received more than ten calls from a variety of telephone numbers. One person asked for my sister by name and when I explained I am her sister, they blasted very loud and menancing music into the receiver. Another time, a recording asked for my sister by name. Now they call frequently at all hours. My research indicates it is illegal for collection agencies to contact debtor 's family members, but they keep harassing me. \n",
'This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation. \n',
'I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused. \n',
"I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights \n",
'Continued calls and voice-mails everyday for a debt that does not belong to anyone in my house. I have called them back and told them they have the wrong number many times but they continue to call. \n',
'This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months. \n',
'They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute \'\' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. \n',
"I left my job and had a corporate American Express card. I turned the card in when I left, but after that a bill came in for equipment that the company purchased. The company should have paid the bill but did not, possibly because the only notice given was to my company email address which no longer existed, and no paper bill was sent because the company had requested paperless transactions. I received no notice until 3 months later by mail, by which time there were late fees conveniently greater than the original bill. Now AMEX calls me every night, but I keep telling them the bill does not belong to me but to the company. They are threatening to cancel my personal account and attack my credit rating if I do n't pay this bill immediately, even though it does n't belong to me. \n",
'While reviewing my credit report, I noticed that a collection has been reported on my file by ACCOUNT CONTROL SYSTEMS, INC. \nHowever, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that ACCOUNT CONTROL SYSTEMS, INC., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. \nFurthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. \nTo this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt. \n',
'I recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it. \n',
'not sure what this company Kramer and Associates is trying to collect from me but they are calling my employment and family and friends. \n',
"I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up. \n",
'We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail. \n',
'I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection! \n',
'I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report. \n',
'RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report. \n',
'I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector. \n',
'there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info. \n',
'Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day. \n',
'Keeps leaving threatening messages for my half-brother who I have never lived with or shared any type of an account with. \n',
'This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used. \n',
'Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent. \n',
"They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. \nPlease remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. \n\nThank you. \n",
'I do not understand that I owe any Debt to the University ... I never attended any courses online.. The School needed at least 2 Months to get me in the Class and I declined ... .It never got that far ... I returned the books they sent out and never matriculated into anything with this university. Why is there a bebt on my credit report for this University. I have no start date and no end date with this School. So can they remove my so called debt from this credit report? \n\nThank You \n',
"Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation. \n",
'Getting repeated calls from Dynamic Recovery Services on my cell and landline ( unlisted, unpublished number ). I owe no debts except a current mortgage. \n',
"I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the report. \n",
'keep getting notices on this debt, that was tken care of \n',
'Debt belongs to my deceased husband. \n',
'This was an unauthorized charge. \n',
'The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens. \n',
'The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit. \n',
'a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information. \n',
'Midland Credit Management called. They were told that there is no debt. I get at least 5-6 calls a day from them. I blocked the calls on my phone. They keep calling. \n',
'This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address. \n',
'Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally. \n',
'I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. \n\nWhat I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual \'\' \n',
'Two to tree calls a day for the past 4 months from a " National Enterprise System \'\' to collect a debt that is not ours. \n',
"SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. \n\nSPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. \n\nSPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. \n\nSPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. \n\nSPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. \n\nIf SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. \n\nIn addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962. \n",
"I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. \nI have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account. \n",
"Tried to contact attorney on file, I even thought at one point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that. \n",
"This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. \nThis is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. \n",
'An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered. \n',
'I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question. \n',
'FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected. \n',
'I was a authorized user on this account. I was not a co signer and they reported me to the credit bureau. \n',
'Management at apartment complex cleared lease obligations with no other financial debts. \n',
"I was in middle of buying a home and the title company found a judgement against me that was n't on my credit. \n",
'I have not been contacted ... appears on my credit file \n',
"3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone. \n",
'High Point Asset, Inc. called saying that I owe money from a payday loan in which I never took out. They claim that the money was issued to my bank account, and then I closed my bank account and they was unable to retrieve the money. They can not provide me with any information other than that amount that is owed. They can not provide me with who the original amount supposedly came from. The emailed me a generic letter with an amount owed that was not even the amount that they told me on the phone. I have spoke with my bank, and they have advised me that they have had other reports from this company, and that I should not proceed in making payment until I speak to my attorney, which I will be doing later today. \n',
'INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK. \n',
'I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls \n',
"Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another. \n",
'Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number. \n',
'I do not owe the debt \n',
'Tittle max continues to call my work and personal cell phone to collect a debt for someone I do not know. Every time I ask them to stop calling and explain this, they say they will remove the numbers. This is the 4th time this has happened. \n',
'I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected. \n',
'Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error. \n',
'I dispute the validity of this debt. \n',
'There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. \'\' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere. \n',
'I received a hit on my credit for debt that is over 7 years old from a company that I have recently been involved with a class action lawsuit this debt is over 7 years old and has not been on by CBR and had fallen off .. they should not be reporting this debt \n',
"Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress. \n",
'10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit. \n',
"I do n't owe this. Please send copy of contract & statements \n",
'Medical bill paid by my medical insurance. And collection company still reporting bad debt and money owed. \n',
"I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit. \n",
'ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU \n',
'I received the debt collection letter without evidence that it belongs to myself. \n',
'Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. \nI never received anything from this company. \nThey should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined. \n',
'The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years. \n',
'This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day. \n',
'I received correspondence by a debt collector to collect a debt that is not mine. \n',
'continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency. \n',
'I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA. \n',
'This is incorrect information and needs to be removed from my credit report as it is preventing me from buying a house. \n',
'This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home. \n',
'this been going on for some time, MO AG office resolve this, as the debt not mine back 2012 \n',
"I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed. \n",
'This company has a debt listed which does not belong to me I want it removed \n',
'A few months ago I sent the company a request for validation to provide me with documents from the original creditor to validate a seemingly dubious debt they had reported on my credit report. The company responded back stating they are not liable to provide me with documents from the original creditor and merely sent me a letter asking them to payoff the account ( see attached response from company ). This is a violation of the FDCPA, since it is apparent that no such debt is due, otherwise they could have provided me with the validation documents I requested.. \n',
'Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment. \n',
"I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person \n",
'National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment. \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I believe that Chase bank may have sometime in and around 2009 sold my account and sold it to a 3rd party junk debt buyer who may have proceeded to take legal action against me and even though my debt with Chase had been paid in full, yet still the account had been sold to another 3rd party. I am not even sure if this account even belonged to me, yet chase negligently and deceptively sold my information to a 3rd party company and has continued to disseminate inaccurate information regarding my account to the credit bureau. \n',
'Does not belong to me.',
'Collection agency inquires on my credit report without permissible purpose. \n',
'i received a collection notice from first national collection bureau inc and it is not my debt. \n1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. \n2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act. \n',
'Canceled service due price increase, that was not part of contract \n',
'This was removed from my credit report then it reappeared. \n',
'COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP. \n',
"Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address. \n",
'Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call. \n',
'This is a credit card that I shared with my ex husband. The card is in my name only, but he had a card with the account. One or two years ago he turned this debt over into my name. We have been divorced for 10 years now. I am no longer liable for this debt. Discover Card Services. \n',
'Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part \n',
'This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal \'\' messages that sound very concerning. \n\nI do not want to be reached at my place of work, and I have no idea why I \'m being contacted in the first place. \n',
"I recently discovered the alleged debts being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report the accounts on my credit report still. \n",
'A collection account mysteriously appeared on my credit report in the amount of {$2400.00}, after I filed a claim with the CFPB about a collections account from the same credit reporter that again was not attributable to me. This looks to be retaliation for using my rights in filing a CFPB complaint against the collection agency in question. \n',
'I do not owe this debt',
"We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true. \n",
"I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match. \n",
'Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. \n\nThese delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. \n\nWhat recourse do I have to resolve this matter? \n',
"I 've received 10 calls in the past 22 days from Vital Recovery Services with a recorded message to call a number about a debt. I 've called and verified I am not the person they are calling for and I do not know the person. They said they would remove my phone number but I continue to receive calls. \n",
'I have no knowledge of said debt.',
'I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for \n',
'I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you \n',
"Hunter warfield has been calling me for two years straight over 10 times per day in regards to collecting a debt that does n't belong to me. I 've spoken with them about this yet and still they call. \n",
'This is not my debt. IC SYSTEMS continues to report it to the credit bureaus. \n',
'I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company. \n',
"I was charged a clinical visit debt, on my daughter 's behalf, which was covered by government medical assistance. The payment was due at the time of service, thus my daughter would not have been seen if the payment was not verified on that same day. \n",
'This company has never provided me with a signed contract proving that this debt is mine. Their information needs to be removed from my credit report immediately. My identity was stolen so nothing but a signed contract will do. \n',
"Avante will not provide me with any proof that the debt belongs to myself furthermore I 've called the hospitals and they have no record that I owe anything it gets removed from my credit and then put back on every 90 days \n",
'I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services. \n',
'My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.',
'I do not owe this debt',
'After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.',
'Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder',
"Sent letters and contact agencies to remove account, but no one responded. This account does n't belong to me.",
'I have no knowledge of this debt.',
'COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT ) \n',
'i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.',
'I have no knowledge of said debt',
'No knowledge of said debt.',
'I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.',
'Repeated collection calls, I have told them several times that they are not calling the right number, and they still keep calling me. The debt belongs to a relative, and the representative told me I needed to talk it up with that relative if I wanted them to remove my number from all collection activity.',
'I recently received a copy of my credit report and noticed some erroneous items on my credit reports. Focused Recovery Solutions is handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Focused Recovery Solutions and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Focused Recovery Solutions entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.',
'There was an account that was opened in the amount of {$400.00} and I am being asked to pay an amount on a contract that was closed',
"1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. \n2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. \n3. This information was also shared illegally ( third party ) without my informed consent.",
'I sent a letter asking them to verify the debt and they never responded \n',
'I have no knowledge of this dept',
'I recently viewed my credit report and noticed that this company has report that I owe them a debt.',
'I recently viewed my credit report and noticed that this company has report that I owe them a debt.',
'This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved',
'This debt is over 9 years old and was from overdrafted checks at a business that is no longer collecting on this debt. The credit bureau is collecting on it for themselves.',
"I 've attempted to remove this debt that is not mine. This is a mistake.",
'I do not have knowledge of this debt that is attempting to be collected.',
'I have no knowledge of said debt.',
'Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, \'\' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.',
"Debt is n't mine.",
"1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.",
'I NEVER lived in North Carolina. So how can l be charged for something l dont know about. \nYes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.',
'My credit report shows a collection from Eastern Account Systems that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. They continuously update the account in a shady attempt to lower my credit score. This companies business practices need to be investigated.',
'I have no knowledge of this account',
'CCS collection company calls me all day and night i have told them to stop i do not know what debt or they have not provided any kind of document they are just annoying',
"1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.",
'Contract does not exist between myself and debt collection company. Debt is not mine.',
"I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.",
"An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine",
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit',
'Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics. \n',
'Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.',
'I recently viewed my credit report and noticed that this company has report that I owe them a debt.',
'Continuous attempts to collect an unverified debt after agreeing to remove from credit report.',
'Was notified by credit monitoring service that a collection had been placed on my report, the phone # listed was to a completely different collection company that said they had no idea who I was and DID NOT have an open collection in my name. Upon further investigation and a Google search I found that Commonwealth Financial Systems was the one behind it. I called them and they informed me that it was a debt from 2010 that was purchased by them in an attempt to collect it. The debt in question never belonged to me to begin with and was disputed and deleted as unverifiable several years ago, Commonwealth has changed the amount slightly to make it appear as if its a new debt and placed it on my credit with no prior notice or contact before doing so. After another Goggle search on Commonwealth it appears that they are notorious for illegal and unfair collection tactics.',
'My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.',
'I have been getting contacted by an agency called " GC \'\' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY MINE! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY! \n',
'they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'THIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
"I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up \n",
"I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today \n",
'THIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean. \n',
'NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT \n',
'I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO \n',
'RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT \n',
'I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid. \n',
'I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. \n',
'Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach. \n',
'A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided. \n',
'they put on my credit report that I owe {$600.00} for an account I never had \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I never received any material from this company \n',
'i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another one. All my credit cards and loans are paid on time and i am not late on one of them. Please help me this company is ruining my company. \n',
'I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n',
'calling my home and job making threat s \n',
"Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone. \n",
"I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money \n",
"I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it. \n",
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
'The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue \n',
'This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt. \n',
"I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I do not recall them sending me a letter informing me that I owed them a debt. I was not allowed my rights to request validation or dispute it which I 'm afforded under the FDCPA \n",
'A bill for {$93.00} that I do not owe. Looks like a scam letter. \n',
'They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}. \n',
'A company has reported a collection which is not mine. Please remove \n',
'This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports. \n',
'They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information. \n',
'I have no idea why I have this. I have had insurance and it all should of been covered under it! \n',
'debt is not valid see attached. \n',
"We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good. \n",
'Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not. \n',
'I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information. \n',
'This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified \'\'. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. \n',
'This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified \'\'. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. \n. \n',
'This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt. \n',
'i keep receiving calls from a debt i told them is not mine \n',
'I have sent this place a letter asking for them to stop harassing me because they have the wrong person. they went and put it on my report I guess because they think they have the right person that they can do that. I need it to stop \n',
"I have receiving a pre-recorded message of a women voice debt collection agency on from Cti Finiancial with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help! \n",
'Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me. \n',
'I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day. \n',
"called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ). \n",
'CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report. \n',
'I have verified my information with this company several times and I am not the person they are looking for. They claim to make a note of it but continue to call over and over. \n',
'Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt \'\' that I \'ve never heard of until now. \n',
'This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name. \n',
'I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company. \n',
'keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n\'t answer. Any debt I have is being handled, so I do n\'t even want to talk to them, because from what I \'ve read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt \'\'. \n',
'I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam. \n',
'i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. \nthank you \n',
'For about a year now, I continue to recieve multiple telephone calls on a daily basis from Portfolio Recovery seeking persons that I do not know, that I have no affiliation with, and nor do they live at my residence. I have informed Portfolio Recovery numerous times that they have the wrong number, and perhaps the people they are attempting to contact had this telephone number before myself. However, I continue to recieve multiple daily calls from this company. At one point someone also called me on my cell phone asking for the same persons, and also provided me with sensitive information about the person to whom they are seeking. \n',
'RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.',
'I Was not living at that apartment in that year or month..The sdebit have been charge it was well over 10 years ... The Apartment management Understood I was released to my ex girlfriend due to domestic legal issues.. \n',
'Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls. \n',
'Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old. \n',
'This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt. \n',
"Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line. \n",
'HOW DO COMPANIES MIX UP PEOPLE AND CLAIM THAT AN ACCOUNT IS YOURS WHEN I KNOW I HAVE NEVER HAD AN ACCOUNT WITH THE COMPANY THAT THEY ARE TALKING ABOUT. THIS IS NOT MY DEBT AND I NEED THEM TO LEAVE ME ALONE!!! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!\n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!\n\nTHIS IS NOT MY DEBT!\n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!\n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!',
'I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong \n',
'SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. \n',
'This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
"I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'Appears to be the debt sold from Chase whereby original dept had been disputed. Did not belong to me. Incorrect middle initial. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU. \n',
'This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government \'\' I \'ve attached a document that indicates this. I \'m tired of receiving letters from them. I \'ve sent them proof of this but they continue to harass me. Please find the document which backs up my claim. \n',
'The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency. \n',
"Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY \n",
'Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.',
'My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence. \n',
'I do not know what this bill is and for what. \n',
'A Debt collector has placed a collections account on my credit report for a debt that was incurred by a deceased relative. I did not cosign on the account nor am I the executor of the deceased estate. The original creditor claims that they have a recording of a telephone conversation with me that gives them the right to do this. However, they will not give me any information. I have two issures with this : 1 ) I question the legality of this practice, and ( 2 ), I am certain that recording any such conversation without my consent IS A FELONY in my state. \n',
'Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind \n',
"I do n't consider the debit is mine. It was charged by apartment management company to replace carpets after leaving. Before leaving the entire apartment was professionally cleaned including the carpet. I requested a walk through with the management before leaving but they never showed up. It is obvious a scam that they do to get unjustified charges \n",
'I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report. \n',
'I have ANOTHER medical company trying to collect from me. Once again I have insurance so why osnt my insurance paying. \n',
"Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company. \n",
'I did not incur this debt and when does the statue of limitation ends? \n',
'Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation. \n',
'Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report. \n',
'I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt. \n',
"Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance. \n",
'I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit. \n',
'SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC.. \n',
"I have received several notices on a debt collection in my wife 's name. The name is incorrect and we have no record of the service for which this debt claims. I have written several times to the collector and they refused to disclose any information on the debt to me. I have written and telephoned the company multiple times with no assistance. \n",
"I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). \nFRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then. \n",
"Checksmart Financial, LLC calls me multiple times a week for a debt that is not in my name even after being told repeatedly the person they 're looking for does not reside at my number. \n",
'I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA. \n',
'I got phone calls and voice mails each day from Portfolio Recovery Associates. They claim I owe money but have never sent me a validation letter regarding the debt. \n',
'Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them. \n',
'I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing. \n',
'CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. \n\nThe debt is not mine. \n',
'This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop. \n',
'Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child. \n',
"AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it. \n",
'Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone. \n',
'After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports',
'Jefferson Financial is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up \'\' my reports. \n\nTo wit : Jefferson Financial is reporting an account with a balance of {$810.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit \'\' account with " 1 Month \'\' terms rather than as a " Collection Account \'\' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ). \n',
'Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine. \n',
'continued calling about debt i dont owe \n',
'Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers. \n',
'I am not aware of receiving medical care from this company. Please investigate. \n\nThank you. \n',
"I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice. \n",
'I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record. \n',
'I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them. \n',
'credit reporting company " credit collections USA \'\' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit. \n',
'i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files. \n',
'Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today. \n',
'Was unaware of debt until requested credit report \n',
'Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ). \n',
'I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online. \n',
'A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. \nThey said that the credit companies would be notified. \n',
'Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report. \n',
'We have made multiple request to SRA Associates to quit contacting us as this is not our debt. This has become borderline harrasment and they are looking for an individual that does not live here. \n',
'Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop. \n',
'I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour. \n',
'Calls made to our home looking for someone who does not live here despite repeated attempts to ask them to stop. \n',
'The company calls almost every day. They are calling for someone with the same last name. I have a very common last name. I have asked them to stop. They continue to call. I do not have debt. \n',
'I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked. \n',
"AR Resources is a collection agency trying to collect on a debt in which I 'm have no knowledge of. I have disputed this debt with the credit bureaus and have sent several letters reaching out to this agency to try and resolve this matter. They have never responded back to validate this debt and continue to negatively report this account on my credit causing me damages such as being denied by several lenders. The reporting of debt that has not been validated per the law is a violation of the FCRA and I 'm seeking further assistance to quickly resolve this matter. \n",
"Portfolio Recovery calls daily, usually multiple times per day, regarding a stranger 's debt. Sometimes they leave a message, sometimes they do not. This has been going on for years. \n",
'Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did. \n',
'i did not owe or have any contract with this company',
"I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report. \n",
'i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you. \n',
'Found on my credit report, never received anything in the mail about this \n',
'There is a collection account on my credit for {$290.00} for service I never used. \n',
'I see on my credit report that there is a collection account for something I have never used. \n',
'I contacted Credit Management LP and I requested that they validate the debt and I got no response. I requested that they remove this item from my credit report and they refused. \n',
'a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them. \n',
'I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n',
"I have requested full documentation for this account ( per the FCRA and TILA ) and have never received it. Yet they continue to report this. It 's causing me a lot of hardship. \n",
'After being denied credit due to collection accounts on my report, I ordered a copy and found an account from an agency I have never heard of called Quantum Collections. The amount is for {$730.00}. I have tried to contact this agency and I have received no response. Not only are they reporting a debt I do not owe and damaging my credit, they have not contacted me even once regarding this debt so that I could dispute its validity and get it removed from my credit history. I do not owe this agency any money and they have no right to be reporting this to the credit bureaus. I am shocked that a business would report negatively on someone without contacting them, especially given this is not my debt! \n',
'this is not mine \n',
'Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so. \n',
'I went to a dentist after a accident for a estimate to have my front teeth replaced that were missing because of the accident. They realized it was a accident and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a bridge from teeth missing in a accident. A month later they billed me for xrays. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector. \n',
'Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. \nThey have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files. \n',
'This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account. \n',
'COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA. \n',
'I do not have knowledge of this debt that is trying to be collected.',
'BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine. \n',
'called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts! \n',
'Nothing, no information about the debt was conveyed to me over the phone call by the alleged collection agency. \n',
"They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day. \n",
'Received multiple phone calls from people identifying themselves as from a " portfolio group \'\' and that I had passed a bad check with my SSN on it. I have n\'t had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action. \n',
"I have received tons of mail regarding a student loan debt that is not mine. I called the company to let them know and they promised not to continue but I am still getting tons of mail! I do n't know what to do. \n\nAUTOMATED COLLECTION SERVICES, INC \n",
'Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now. \n',
'we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house \n',
'MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item. \n',
'Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit. \n',
'Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling. \n',
'I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist. \n',
"Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do? \n",
'I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction. \n',
'Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt. \n',
"Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation. \n",
'I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start. \n',
'credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history. \n',
'The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies. \n',
'I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. \n\nPremier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. \n\nI do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing. \n',
'Received a letter from a credit collector and the debt does not belong to me, I never opened the account \n',
'PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT \n',
'I do not have proof this is my debt. \n',
'This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas. \n',
'They keep calling me looking for an ex-employee from years ago. I have responded and requested they remove my phone number ; said they would but continue to call. \n',
"I have called Grant & Weber I was attacked by some one, send to the hospital, and I file a police report and I was not responsible for this debt. I have try several times to contact and have this accounts removed from my credit. \n\nCompany fail to provide prove Validation of the account. \nCompany fail to provide information and they keep reporting to credit agencies. \n\nI apply for a mortgage and I was denied. \nNot able to obtain credit. \n\nI have send letters to credit bureaus to request Validation of the account not a dispute, this is not a dispute. The accounts are not mi accounts. \n\nknow credit reports I am getting as a resolution sad that company was able to provide up date information. \nWhat up date? I do n't get any up dates? \nNo answer with in the 30 days in 3 times 3 times I have requested Validation. \n",
"This debt is not mine and it 's affecting my credit how can I get this resolved and removed from my credit report.. \n",
'PayPal continues to call me and I do not owe them any thing! \n',
"Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver \n",
'Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of \n',
"The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. \n",
'This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair. \n',
'I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services \n',
"Ashley Furniture continues to contact me, calling for someone other than myself, and will not remove my number from this person 's account despite my having stated multiple times that that person no longer works here. It is disrupting to have them call when I am trying to work. \n",
"Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly. \n",
'I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE \n',
'I am not sure what this is from, the company has not contacted me but refuse to update my credit report. \n\nThe dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up. \n',
'I am denying liability for the debt. I want to know who claims that I owe this debt. This is clear fraud. \n',
"I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do? \n",
'I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered. \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA \n',
"I am receiving calls from Focus Receivables Management about a debt that I do n't owe. \n",
'I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago. \n',
"Got something in the mail and it did n't even say what the debt is. It dosnt even say when it was done. \n",
'Keep getting calls from Credit control llc about debt collection. I do not owe any money and all my accounts I do have are paid on time every month. I am thinking these calls are for the person who previously had my number. I want the calls to stop. This is harassment! \n',
'I received correspondence by a debt collector to collect a debt that is not mine. \n',
'I do not owe any credit card with this institution. \n',
'I do not owe any credit card with this institution. \n',
"Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me \n",
'ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in. \n',
"Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. \nIt should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour. \n",
"Clark County collections was paid in full by me and my husband and they continue harassing us saying we owe more and we do n't they now are garnishing my husbands paycheck when we did n't owe anything else to them and no legal action was taking to our knowledge. \n",
"I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do. \n",
'I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file. \n',
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
'I do not own this debt to this company however it is on my credit report. \n',
"I am receiving calls from the Focus Receivables Management Group. \nThe Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing. \n",
'Portfolio keeps contacting for a debt that is more than 7 years old. They are a third party collection agency and call me at my job. \nI want all calls to cease and desist both to my work and home. \n',
'Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application. \n',
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
'They sending a bill i dont owe at all, they just post it on my 3 credit report \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail. \n',
'I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me? \n',
'I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam. \n',
"Received a collection letter addressed to me at my address for a person that has a similar name. This person 's date of birth, ss # and middle initial are different than mine. \n",
'There is a collection listed which is unknown, disputed with no outcome or verification. Please help \n',
'This debt was a result of identity theft my husband was a victim too. \nThis debt is reported to my credit report as a debt in collection. \nWhen I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they \'\' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. \nSo why is this showing on my credit report. \nI want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! \nPlease help or fwrd my info to the right department. \nI truly appreciate all the help. \n',
'I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about. \n',
"This is not a legitimate debt. I have repeatedly attempted to contact the office claiming I owe them money. The office does n't exist. Now, CMRE Financial Services is calling me to collect on this debt that is not legitimate. I tried to explain that to them and asked for my number to be removed from their call list. They refuse to give me any information about where they got the information. I told them I needed it to add to the police report for a stolen identity case and they still refused to give it to me until I confirmed my SSN and birthday. I refused for fear that they too would use my identity. \n",
"My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her. \n",
"I recently discovered the alleged debt being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report it on my credit report still. \n",
'Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address. \n',
"Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me \n",
'I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.',
'Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted. \n',
'A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling. \n',
"Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. \nEach time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior \n",
'Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing \'\' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. \n\nContacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies. \n',
'I have no knowledge of said debt.',
"A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address. \n",
'I have no knowledge of this debt. The debt is not mine, and I would like it to be removed as its reporting to the credit bureaus and negatively affecting me.',
'I am not aware of what this debit is. And I do not leave it to be mine \n',
"Portfolio Recovery has been calling my home number literally for years. They never leave a message. I see their name and number on the caller ID and then block the number, but they continue to call using other numbers. I 've lost track of how many numbers I 've blocked. We have never received written notice of any debt, and owe no collectible debts, as we have superb credit. They call often, from any time in the morning to late in the evening. I 've emailed their complaints department several times to no avail. I will not answer their harassing phone calls, and am hoping that the CFPB can intervene and help stop these unwanted calls.",
"false information, this collection it 's not mine \n",
"This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report. \n",
'Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment. \n',
'I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services. \n',
'The collection company is attempting to collect a debt that is not mine. The debt is for insurance on a home I do not own and they will not correct their error. \n',
'We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for \'\' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist. \n',
'Never had any dealing with convergent or its associates in the past and received a letter stating that I owed them money. Sent a Validation letter and I am awaiting response. Copy of letter is attached. \n',
'I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....',
'Hi There, I \'ve received 3 letters from a " Credit Protection Association L.P. \'\' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they \'re collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.',
'I was covered under my parents insurance at the time of this happening. Therefore they should pay for the charges and not myself',
'Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam. \n',
"1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.",
'always lived with parents never had my own place to have cable',
'Debt is 15 years old and has been charged off for 15 years. I no longer owe this debt they are trying to collect on.',
'Medical data systems incorporated has put a collection on my credit report for a debt that I do not owe',
'This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection. \n',
'My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.',
'Collection agency is listed on my credit report for a cable bill I do not owe.',
'I am trying to improve my lifestyle and I noticed this inaccurate account reporting on my credit report. I do not have any knowledge of this debt. I believe they may be violating HIPPA laws by reporting this information. They are destroying my credit.',
'_Focus receivables management calls twice a day about a debt. We have no debts with perfect credit, I read about this company and the Gov. should close their doors. They prey on the defenceless.',
'I was under my parents insurance still at this time and is to be paid by them and not myself.',
'I receiving letters from a collection company threatening that credit rating will be affected if equipment is not returned and service fee not paid.',
'I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me',
"I have never applied for any credit card. I do not have any credits to my name. This do not belong to me at all. I have this on my credit and I do not understand why. I have been asking for proof that this is my debt. I have have n't received anything on this matter. I need this removed from my credit it 's making my credit look bad and I do n't even own a credit card at all.",
'There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company',
'After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. \nAccording to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. \nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.',
'Credit history request- never authorized, company not recognized',
'I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.',
'Received collection letter stating that an unpaid paypal acct is in my name, never had a paypal acct. Second time theyre trying to collect, first attempt they recalled the collection after i complained to CFPB. This could go on forever. They recall when i complain and then reassign to another collection agency. \n',
'Selip & Stylianou firm continues to call and harass me with unwanted calls at all hours of the day and night demanding payment for student loan debts that NEVER EXISTED. I have no student loan debt of any kind past or present but the continue to call and demand payments. I have requested them to stop the unwanted calls but they have not complied at all. \n',
'This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.',
"Company is reporting multiple accounts on the same dept that ca n't be verified",
'I took my daughter to the emergency room and gave them proof of insurance. the insurance company entered her birth date wrong and sent me a bill instead of covering the cost from the hospital. The insurance company kept telling me she was not in their system. The hospital sent me to collections. \nSince than I found out about her birth date being wrong and I just received a letter saying she was covered for that whole year and they corrected her birth date. I called the collection agency and explained all this and asked if I send them the letter would they remove this collection from my credit report and they said no. \n',
'i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods \n',
'I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me',
"A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This fake assets company harassing me trying to get my bank and credit card information. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok. \n',
'Never had a student loan \n',
'harrasing letters and calls from this debt collect to collect a debt I dont owe \n',
'I do not owe this company any money. In fact they owe me money \n',
"I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment. \n",
'Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
"A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything. \n",
'have no idea what this collection attempt is for but they keep contacting me \n',
'I have no knowledge of said debt.',
'Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN \n',
'APPARENTLY SENDING A LEGAL NOTICE MEANS NOTHING TO THESE PEOPLE BECAUSE I SENT ONE AND THE COMPANY KEEPS HARASSING ME AND HAVE PUT THE ACCOUNT ON MY REPORT \n',
'I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED. \n',
'FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH. \n',
'This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan. \n',
'I have never went to this hospital never been there never receiveda letter from this collection agency \n',
'I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it. \n',
'This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at. \n',
'Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me. \n',
'This debt collector continues to report false information on a debt I do not owe. \n',
'I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS. \n',
'I dont know where this debt came from at all.I need this off my credit \n',
'Capio Partners have reported a {$760.00} debt on my credit report. \n\nI am disputing this debt of {$760.00}, because it has never belonged to me ever! \n\nCapio Partners have been uncooperative in resolving this debt which has never belonged to me. \n\nThis debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. \n\nMy personal information was used with out my permission and with out my knowledge. \n',
'I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop. \n',
"I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with. \n",
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
"I contacted company on several occasions to clarify that the debt is n't mine.",
'I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me. \n',
'Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}. \n',
"I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate. \n",
'Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company. \n',
'Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. \n',
'I had medicaid during this time, but the company billed me instead of my insurance.. \n',
'This is not my debt \n',
'This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit. \n',
"Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit. \n",
'Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted. \n',
"I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck. \n",
'I have never actually talked to anyone but they constantly call over and over! \n',
'Impolite people calling from something called " Convergant Outsourcing \'\' looking for someone I do n\'t know. \n\nImmediately began to ask me questions about myself after I asked them to NOT call here anymore. \n',
'This is not the dentist I go to I have been going to the same dentist for the last 10 years.',
'that debt is not mine I have never owned a general electric credit card \n',
'Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate. \n',
'Focus Receivables Management calls my home everyday of the week with a Recording stating they are trying to collect a debt. I do not owe a debt. \n',
'I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have. \n',
"This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt. \n",
'This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. \nI request full statement of this account and any information pertining to the contract ; when opened and where. \n',
'I have no knowledge of said debt.',
'I have never had any medical bills \n',
"I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me \n",
'I just noticed this debt on my credit report and I do not have this account. \n',
'The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up. \n',
"They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit. \n",
"I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there \n",
'I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus. \n',
"I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious. \n",
'They need to quit contacting me over a debt I do not owe. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
"I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
"The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list. \n",
'This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law. \n',
'They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors. \n',
"After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. \n\nThey are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. \n\nIt 's not fair that I 'm being held captive for something that does not belong to me. \n",
"This company has continually reported these debts on my credit report. I have spoken with them and sent letters in which I stated to them this is the debt of my ex wife. Oklahoma is not a community state so therefore her debts are hers. She was never on my insurance and I did n't even live in the state at the time of this bill or years before that. They said I am past the 30 days of disputing this debt, however this debt was never sent to me before it went to collections or on my credit report otherwise, I would have disputed it then. \n",
'Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam. \n',
'This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit. \n',
'I AM NOT ENTIRELY SURE WHO THESE PEOPLE ARE AND WHY THEY KEEP CALLING ME ALL THE TIME. I HAVE NEVER BEEN BEHIND ON ANY OF MY ACCOUNTS. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I am the step-mother of the " so-called \'\' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. \n\nI was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out. \n',
'I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.',
'My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector. \n',
"I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital. \n",
'Have been receiving numerous calls from this number as a " final attempt to collect a debt \'\' before going to court. I finally spoke to one of the callers and they told me what the debt was from - a company I \'ve never heard of or done business with - and as soon as I mentioned wanting to have my attorney follow up with them they back stepped and said they could take care of it internally and close the file. I insisted that I was happy to have someone look in to it and they insisted I would n\'t need to worry about it. They called me today again after about a week and the voicemail message is the same as it was before, final attempt to collect a debt. I called back and got their alleged legal department \'s voicemail. \n',
'Received a letter from Midland Credit Management , Inc. with information on an account which is not mine, implying that it is and that I must make payments on it or else they will take legal action against me. \n',
'The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller \'\', regardless of whether I answer or let it go to voice mail, the " caller \'\' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n\'t even block them from my iPhone because their calls do not display Caller ID information to act upon. \n',
'This is a case of a credit debt having been bought by another company after 7 years had expired. It is illegal to buy a debt from another company and resurrect it. This originated long before 2009, when this company is saying I owe the debt. \n',
'Previously an " alleged debt \'\' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt \'\', but they have falsely reported this on my 3 credit reports known as " Silent \'\' treatment, and " Re-Aged the Alleged Debt \'\' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files \n',
'this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility. \n',
'daily calls \n',
'I have previously disputed this debt as I do not and have not had an account with the original creditor. They could not provide the requested verification in the form of a contract or other agreement for services or even an affidavit of assignment, which is not surprising since this is not my debt. The last name is not even spelled the same on the " printout \'\' they sent to me. They removed it after I disputed it and ultimately filed a complaint. However, I just checked my credit report to see that they have again put it on there even though it is n\'t mine. this is getting quite ridiculous. Debt collection companies should not be allowed to put false information on your credit report repeatedly. RECEIVABLES PERFORMANCE MANAGEMENT IS HARSSING ME ABOUT A DEBT THAT IS N\'T EVEN MINE!!!!!!!!!!!! \n',
'Doctor billed the incorrect amount and after I refused to pay the incorrect amount, they sent to collections and is now on my credit report as an adverse account. The doctor has verified with my insurance company that the wrong amount was billed. \n',
'They are calling family members and leaving threating message to show up on job with sheriff and supervisor or come to house with sheriff. I encouraged them to come on or meet at Sheriff office and to stop call me and my love ones and getting them up set. \n',
'I keep getting threatening calls from this company about a " pre-legal \'\' issue that if I do n\'t give them information, they could sue me. I have no debts in collections or even late debts. \n',
'Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me. \n',
'Since I received my current home phone number 12 years ago, I have received periodic calls seeking a previous owner of the number who owes a debt. Most recently, I have received automated calls ( no human on the line ) for months from Van Ru Credit Corporation seeking this other person. \n',
'I contacted CA on several occasions via certified returned receipt to validate the debt. The CA ignored my requests to verify but continue to report to CRA. \n',
'I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information. \n',
'Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed. \n',
"collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk. \n",
'Continues to call for the wrong person at my number. I do not know the person they are calling for. \n',
"I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing. \n",
'I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect \n',
'Agency continues to call my cell phone even after verbal notification that my cell number does not belong to the person they are attempting to contact. \n',
'called and said he was from google trying to collect {$1400.00} for advertising i never asked for \n',
'The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional. \n',
'I did not receive a card from this company, nor did I run up any charges that they claim. I should not be held liable for something I do not have, and did not receive. \n',
'I have continously requested for debt validation and verification from this company. They have used tactics that reflect their non compliance with my request \n',
'BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me. \n',
'Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday. \n',
'This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point. \n',
"I have received numerous emails and calls from a company claiming to be collecting a debt. They obviously have my name and telephone number. But they call to say I have a debt but I ca n't find out what it is unless I give them my SSN. They wo n't send anything via hard mail. I ran all of my credit reports and have no outstanding debts anywhere, so this is obviously a scam. \n",
'Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up \'\' my reports. \n\nTo wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit \'\' account with " 1 Month \'\' terms rather than as a " Collection Account \'\' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ). \n',
'I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company \n',
'The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake. \n',
"Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations, \n",
"Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law. \n",
'DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME. \n',
'they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me. \n',
'Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so. \n',
'This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. \n',
'Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out, \n',
'NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information. \n',
"NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them. \n",
'Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system. \n',
'I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA \n',
'I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA \n',
'COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA \n',
'I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address. \n',
'I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address. \n',
'I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. \n\nNo debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency. \n',
'They sent me a letter - we told them many times that this is not mu debt but they will not stop. \n',
"I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information. \n",
'On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights. \n',
'Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness. \n',
'got a phone call by a " debt collector \'\' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form. \n',
'I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up. \n',
'I was shopping at old navy when the cashier asked me if I wanted a " rewards card \'\' I asked her if it was like a credit card and she said " No \'\' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card \'\' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since. \n',
'Suddenly I received a letter for debt collection from Paypal. I have no clue where and what type this debt came from. I do not have a Paypal account. Nor have I ever made any transaction via Paypal. \n',
"I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.",
"My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off. \n",
"there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information. \n",
'Medical bill that is not mine \n',
"I have tried repeatedly to prove the debt is not mine. I do n't know if someone with the same name or close to the same name as me used this service or what. I am not the responsible party for this debt. In fact, it is the only open debt on my credit report. I do n't know what else to do. I have all my debt paid and I refuse to pay for something that is not mine and it 's the only thing hindering my report. This is not my debt. Please help. \n",
'This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency. \n',
'Requested the following information from collection agency three times : Name of doctor this debt is owed to. \nDates of services provided. \nProcedures that were performed. \nHow you determined that is my debt. \nCollection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report. \n',
'I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them. \n',
'The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. \nNot the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted. \n',
"My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed. \n",
'Voicemails on my cell phone stating that there have been serious allegations against my personal information. That myself or my attorney need to contact them and make a statement today.',
"This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports. \n",
'I recently pulled my credit report and discovered that this company has reported that I owe them a debt \n',
'There is a collection account on my credit for {$290.00} for service I never used. \n',
'There is a collection account on my credit for {$290.00} for service I never used. \n',
'There is a collection account on my credit for {$290.00} for service I never used. \n',
'I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone. \n',
'constant calling and threatingin \n',
"AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly. \n",
'I do not know what this debit is for. Company has called my ex husband, mother and current husband. \n',
'I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services \n',
'Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service. \n',
"Credit Bureau Systems is reporting a damaging collection account on my credit report. I have sent them a debt validation request over 30 days ago and I disputed it with the credit bureau but this collection agency verified to Transunion that the debt is reporting correctly when in fact it is n't which is a violation of the FCRA and FDCPA. They did n't even report it as disputed. By law they are not to report a debt that has not been validated. This reporting is has already caused me damage and I can not get approved for credit with this inaccurate listing on file. I never got anything in the mail from this agency not even a call. It 's like they 're totally disregarding me and my position. \n",
"Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors. \n",
'I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis. \n',
'The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list. \n',
"Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me. \n",
"I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report. \n",
'This is not my debt. \n',
"I DO N'T KNOW WHERE THIS DEBT IS COMING FROM. \n",
'Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. \n\nI have no debtsIs this complaint process of any use??????? \n',
'I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report. \n',
'I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine. \n',
'NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts. \n',
"I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. \n",
'This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts \n',
'They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone. \n',
'This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court. \n',
'United Collection Bureau " Robo-calls \'\' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor \'s former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action. \n',
"Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions. \n",
'I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment. \n',
'This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt. \n',
'a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process. \n',
"Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family. \n",
'Portfolio recovery continues to call my house attempting to recover a debt, that they never say what it is .... when I question them they ignore my questions or hang up. \n',
'I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday \n',
'I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield \'\' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue. \n',
"We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. \nThe voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere. \n",
'Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account. \n',
"A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house \n",
'THESE ARENT MINE I DONT RECOGNIZE THOSE I MOVED FROM THAT RESIDENCE IN 2012',
'They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered. \n',
'Receive numerous phone calls. I have no debt. \n',
'Received a letter from a credit collector and the debt does not belong to me, I never opened the account \n',
'I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. \nDespite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. \nThe contact has been through phone call as well as letters. \n',
'We receive multiple daily calls from this company, even though we have told them we are not the persons that they list. \nWe have told them on multiple times they have the wrong number and they say they will stop calling, but they continue to call daily. \n',
'I am not responsible for this alleged debt. I ask for verification and this what sent. \n',
'I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud. \n',
"This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. \nThis is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. \nAdditionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account. \n",
'On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent \n',
'AR resources was told this was not my debt, and placed under dispute, they talked to the VA and VA told them it was not my debt, but still filed a collection agaisnt me \n',
'I am asking the CFPB to review the chain of responses that Receivables Management has given concerning this issue and review my complaint of their violation of the FDCPA. They have continued to violate the FCRA and FDCPA. Please review my attachment and then audit and investigate the operational process of this company as they have refused to adhere to the FDCPA laws as they continue to attempt to collect a debt i do not owe after FDCPA violations. \n\nIn the confirmation letter stating they had received my dispute and that they were placing the account in dispute status while the wait on information from the supposed original creditor. Now this agency despite claiming to put the account in a dispute status continued to update my credit file without providing any validation of debt ( Violation of both FCRA and FDCPA ). Secondly at the bottom of their Confirmation Letter to me they had the statement " This is an Attempt to collect a debt \'\' ( a violation of the FCRA and FDCPA ), Once an account is in dispute a collection agency is to cease collection activities. Please review attachment carefully. By law, this agency is to delete this account from my credit file immediately. If not deleted they are liable to all penalties of FDCPA violations and legal actions from myself and the CFPB. \n',
'I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation \n',
"This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA. \n",
'I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED. \n',
"My wife passed away last month, she had a personal credit card and a personal account with Citibank. \n\nI also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. \n\nAfter she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. \n\nShe had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card. \n",
'I have a collection showing up on my credit report that never happened \n',
"An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded. \n",
'They continue to call and do not owe debt. They will not give me their companies information or my account #. \n',
"Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false. \n",
'My ex-wife by court order is required to pay the debt. The Credit collections Bureau is trying to collect from me. Also, the only person that Credit Collections attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to Credit Collections Bureau. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office. \n',
'I was recently assigned a phone number on a new line of service. \nThis line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. \nI have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. \nThe company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person. \n',
'Medical Recovery Services has made frivolous attempts to collect a false debt. I deny the debt and I will take the liable party to court. I want to know who is claiming that I owe the debt. I also want them to stop contacting me. \n',
'I have no knowledge of said debt.',
'We have told this collection agency that the person they are looking for is not at our home but they continue to call us. \n',
'Number calls me multiple times a day \n',
'DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS \n',
"This debt belongs to my daughter and she lives in Florida. I have told these people numerous times that she does n't live here and has n't for almost 9 years! \n",
'I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED. \n',
'I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!! \n',
'Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for. \n',
'I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts. \n',
'I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt \n',
'National Credit Systems is trying to collect a debt from an apartment rental that I do not owe. When I left the apartment I was renting I did a final walk through and was told I was good to go. Now I have a collection on my credit report which I was never notified that it was a discrepancy or debt that needed to be resolve from the original creditor or collection agency, just a sudden appearance on my credit report. After contacting the credit agency I requested documentation and proof of what this debt is for and never received any letter or notification stating the debt. I called back several times and spoke with I believe bryan and he would either not be at his desk or would say he was sending many information but never sent it. I do not owe this debt and do not feel it is fair to report to credit bureau especially without notifying me first and giving me time to resolve the issue. I disputed with credit bureau but they stated that National credit systems still says its mines and I should file a complaint with consumer finance. \n',
'a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors. \n',
'Debt is unknown to me and cci can not provide details regarding debt orgination or dtails of the type of debt \n',
'I continue to receive calls and voice mails from this collection agency and I have told them repeatedly I do not know the person they are looking for. This is a new home phone number that I recently received. \n',
"Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt. \n",
'The Collection Agency has no right to contact me. They are not licensees of the State of Maine. \n',
'I have been getting calls on my cell phone for someone elses debt \n',
'MIDLAND FUNDING placed an account on my credit report that is NOT my debt! \n',
'Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible. \n',
'I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report. \n',
'do not know why this is on my cr report, do not know this company \n',
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
"I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated \n",
"I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. \nThank You \n",
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation \n',
"During the year of 2014 I had a home owned by Ocwen Mortgage Services and who was also the home mortgage provider. But things began to go downhill, I could no longer afford to live in the home so I placed a request for a deed lieu and it was accepted. So I payed my last mortgage and was informed that I has been fully alliviated of my debt and it had been removed off my credit record. But I have recently yet to find out that the home is still on my credit records and is holding me back, I ca n't complete any finacial doings such as : loan consolidation, buying a vehicle or home, etc. \n",
"I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand \n",
"This is from Cheveron Visa. I do n't owe them anything. \n",
"I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again? \n",
'I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls. \n',
"Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care. \n",
"About 9 months ago I got dunning calls from Wells Fargo Bank, the calls where about a person who I do n't know AT ALL. I contacted Wells Fargo and told them what was wrong, in addition to getting calls about a person I do n't know the callers threatened to keep me on the their call listing until I paid the debt. Even though it is not mine, When I complained I was told it would never happen again. Well it just did, and he caller made the same threats as before. I want this stopped and want the {$1500.00} they owe me since I am on the do not call registry, and they know I am they wrong person and should not call me. I also want them punished to the fullest extent of the law. \n",
"Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.",
"This agency continues to call my home despite explaining I 'm not the person there 're looking to locate. \n",
'I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement. \n',
"I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit. \n",
'I saw a blip on my Credit report from this company claiming I owe some sort of medical bill from 2010. This bill is not mine and this company is known to be fraudulent. \n',
'I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.',
'I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you \n',
'Calls my house under a " spoofed \'\' number, hangs up, calls back and threatens to sue me If i do n\'t pay a debt that I do n\'t owe. Have told them to Cease and Desist all contact. \n',
"I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe. \n",
'I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.',
'This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do. \n',
'Debtor attempts to collect and refuses to present a verification of the debt, after several requests.',
'I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.',
'I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.',
"I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.",
'i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods \n',
'I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.',
'A vehicle that I previously owned was taken into impound. I have shared the report of sale from Washington state, and the name and contact information of the buyer with the credit agency, yet they refuse to remove this from my record. It is seriously affecting my once stellar credit rating, costing me time and money in my real estate transactions. \n',
'Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.',
'This does not belong to me.',
'I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.',
'I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!',
'I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop. \n',
"Debt was incurred after my annual liability under an HMO health insurance plan had been met. The insurance company has told me the claim was adjusted and this is not my liability. The provider 's billing service continues to send invoices to me and now has turned the debt over to a collection agency. After multiple contact to the provider, billing company and the collection agency with documentation supporting my position, they still continue to send me attempts to collect this debt. \n",
'I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. \n\nUnder the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification \'\' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. \n\nReporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. \n\nDebt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? \n2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. \n3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. \n4. What was the original date of delinquency for this account? \n5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. \n6. What did you pay for this account, and how did you calculate the current amount owed?',
"I had medical at the time and just did n't have my card with me. They should have billed my insurance instead they billed me",
'I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services. \n',
'This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people. \n',
'I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database. \n',
'Debt has been sold without notifying me. This is violation of my privacy.',
'Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.',
'I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890 \n',
'There is a debt collection account that was opened under me by the company name of " CBE. \'\' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.',
'I have no knowledge of said debt.',
'Debt was placed on my credit without my knowledge and I had never received any collection notices ( 3 as required ) before hand about the debt. I just so happened to notice it when I checked my credit one day. I asked the company to verify the debt to be mine, 100 % accurate as well true and verifiable according to reporting laws and they did not. They refused and told me they had a right to collect regardless when I contacted them.',
'I have no knowledge of this debt',
'credit report is wrong',
'No knowledge of said debt.',
'I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.',
"I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.",
'This is not my account. I was incarcerated during this time.',
"I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. \n\nBut these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?",
"I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.",
'Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt \n',
'I have no knowledge of this debt',
'I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.',
'I have no knowledge of said debt.',
'I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.',
'They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.',
'i do not owe or have contracted with company claiming i owe',
'Debt is not mine. Debt is also showing up on my credit report 2x',
'Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment. \n',
'I have no knowlegde of this debt and it is shown each of my credit reports.',
'I received a notice from the credit bureau informing me that a new collection was placed on my account. I have a credit freeze and fraud alert placed only account because of identity theft. In this case there is a collection of {$100.00} dollars that is not mine placed on my credit report.',
'I was a victim of identity theft years ago that has since been handled. I made police reports and several accts were investigated and removed from my credit report. This last acct is for an ambulance ride in Florida i did not take. I have disputed this acct several times but they refuse to remove it. I was not even a resident of Florida at this time. \n',
'This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.',
'I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
"My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
"There is an account showing up in my credit file that has no clear explanation as to why it 's reporting, I would greatly appreciate if there were a thorough investigation of this matter. And expect a complete removal of this erroneous information on my personal credit report. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'THIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt. \n',
'THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company calls constantly and will not stop. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection. \n',
'I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling. \n',
'WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP. \n',
'HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP \n',
"I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request. \n",
'Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt. \n',
'I received a letter from this company stating that I owe then a debt. To my knowledge I have never done business with this company and nor have they ever provided services for me \n',
"This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info. \n",
'Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me. \n',
'I continue to receive calls despite the fact that I have told this company each time they call that it is not my debt and they have the wrong person. Each time they are told to remove my name and stop calling but they persist. \n',
'The collection agency continues to report false information on a debt I do not owe. \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n',
'I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation \n',
'central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily. \n',
'There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables \'\' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n\'t possible without exposing this as a scam. \n',
'i never did business with this company, i was a victim of identy theft. \n',
'This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code. \n',
'Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected. \n',
'Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money. \n',
'I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.',
'Telephone calls everyday trying to collect on debt of someone who does not live at this address and that we have never heard of. In addition, we have owned this telephone number for over 11 years. \n',
'Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years. \n',
'Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt. \n',
'I CANT STAND WHEN COMPANIES HAVE THE WRONG PERSON, AND THIS ONE DOES YET THEY KEEP CALLING AND SENDING ME JUNK. THEY KEEP SAYING THAT THEY WILL OUT IT ON MY CREDIT REPORT IF I DONT TAKE CARE OF IT. WHY SHOULD I IF IT ISNT MINE? \n',
"Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone. \n",
"Portfolio has been calling me for years attempting to collect a debt that is someone else 's and not mine. \n",
'I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period. \n',
'I have been a victim of Identity theft as a result several accounts were opened in my name . I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate. I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.',
"I continually receive calls attempting to collect a debt from my husband 's ex-wife. I have repeatedly told them that they are contacting the wrong person, and they still call. I am unsure how my number got associated with her because I have had this number for twelve years, and I 've only been married for four. \n",
"Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me. \n",
'A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. \n\nI have no idea what this is about, I just want it to stop. \n',
'I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation. \n',
'I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law. \n',
'I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
"I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped. \n",
'This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together. \n',
'I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
...]
In [57]:
Out[57]:
Mortgage 221593
Debt collection 137900
Credit reporting 132215
Credit card 85678
Bank account or service 82918
Consumer Loan 29827
Student loan 29369
Payday loan 5284
Money transfers 5126
Prepaid card 3601
Other financial service 960
Virtual currency 17
Name: Product, dtype: int64
In [59]:
boa.groupby(['Product', 'Sub-product', 'Issue', 'Sub-issue']).size().order(ascending=False)
/Users/conlenm/projects/consumer-complaints/analysis/env/lib/python2.7/site-packages/ipykernel/__main__.py:1: FutureWarning: order is deprecated, use sort_values(...)
if __name__ == '__main__':
Out[59]:
Product Sub-product Issue Sub-issue
Debt collection Mortgage Disclosure verification of debt Not given enough info to verify debt 152
Credit card Disclosure verification of debt Not given enough info to verify debt 128
Cont'd attempts collect debt not owed Debt is not mine 119
Debt was paid 79
Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt 65
Mortgage Cont'd attempts collect debt not owed Debt was paid 62
I do not know Cont'd attempts collect debt not owed Debt is not mine 56
Credit card Communication tactics Frequent or repeated calls 48
Mortgage Taking/threatening an illegal action Seized/Attempted to seize property 48
Credit card False statements or representation Attempted to collect wrong amount 46
Mortgage Cont'd attempts collect debt not owed Debt is not mine 45
Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine 42
Mortgage Communication tactics Frequent or repeated calls 40
I do not know Disclosure verification of debt Not given enough info to verify debt 39
Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy 39
False statements or representation Attempted to collect wrong amount 34
Credit card Improper contact or sharing of info Talked to a third party about my debt 33
Taking/threatening an illegal action Threatened to sue on too old debt 29
Communication tactics Threatened to take legal action 27
Cont'd attempts collect debt not owed Debt resulted from identity theft 26
Student loan Non-federal student loan Repaying your loan Repaying your loan 26
Debt collection Credit card Disclosure verification of debt Right to dispute notice not received 25
Cont'd attempts collect debt not owed Debt was discharged in bankruptcy 24
Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid 24
Communication tactics Frequent or repeated calls 23
Credit card Improper contact or sharing of info Contacted employer after asked not to 15
Taking/threatening an illegal action Sued w/o proper notification of suit 14
Mortgage Improper contact or sharing of info Contacted me after I asked not to 14
Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft 13
Student loan Non-federal student loan Problems when you are unable to pay Problems when you are unable to pay 13
...
Debt collection Auto False statements or representation Impersonated an attorney or official 1
Disclosure verification of debt Right to dispute notice not received 1
Not given enough info to verify debt 1
Non-federal student loan Cont'd attempts collect debt not owed Debt is not mine 1
Auto Cont'd attempts collect debt not owed Debt was discharged in bankruptcy 1
Debt resulted from identity theft 1
Debt is not mine 1
Student loan Federal student loan servicing Dealing with my lender or servicer Trouble with how payments are handled 1
Debt collection Mortgage Taking/threatening an illegal action Sued w/o proper notification of suit 1
Student loan Federal student loan servicing Dealing with my lender or servicer Having problems with customer service 1
Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine 1
Other (i.e. phone, health club, etc.) False statements or representation Impersonated an attorney or official 1
I do not know Taking/threatening an illegal action Threatened to sue on too old debt 1
Federal student loan Taking/threatening an illegal action Sued w/o proper notification of suit 1
I do not know Taking/threatening an illegal action Sued w/o proper notification of suit 1
Federal student loan Cont'd attempts collect debt not owed Debt is not mine 1
Communication tactics Frequent or repeated calls 1
I do not know Disclosure verification of debt Not disclosed as an attempt to collect 1
Mortgage False statements or representation Indicated committed crime not paying 1
Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me instead of my attorney 1
I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay 1
Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Attempted to/Collected exempt funds 1
Sued where didn't live/sign for debt 1
I do not know Taking/threatening an illegal action Attempted to/Collected exempt funds 1
Non-federal student loan Communication tactics Frequent or repeated calls 1
Cont'd attempts collect debt not owed Debt was discharged in bankruptcy 1
Payday loan Communication tactics Threatened to take legal action 1
Payday loan Payday loan Applied for loan/did not receive money Applied for loan/did not receive money 1
Debt collection Mortgage Taking/threatening an illegal action Threatened arrest/jail if do not pay 1
Non-federal student loan Communication tactics Threatened to take legal action 1
dtype: int64
In [61]:
paid_debt['Company response to consumer'].value_counts()
Out[61]:
Closed with explanation 12049
Closed with non-monetary relief 2314
Closed 711
Closed with monetary relief 315
Untimely response 238
In progress 63
Name: Company response to consumer, dtype: int64
In [62]:
paid_debt
Out[62]:
Date received
Product
Sub-product
Issue
Sub-issue
Consumer complaint narrative
Company public response
Company
State
ZIP code
Tags
Consumer consent provided?
Submitted via
Date sent to company
Company response to consumer
Timely response?
Consumer disputed?
Complaint ID
7
2013-07-29
Debt collection
I do not know
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
SunTrust Banks, Inc.
FL
32818
NaN
NaN
Referral
08/01/2013
Closed with explanation
Yes
Yes
475728
29
2013-07-29
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Northland Group, Inc.
FL
32233
Servicemember
NaN
Referral
08/01/2013
Closed with explanation
Yes
No
469252
94
2013-07-30
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Franklin Collection Service, Inc.
IL
60440
NaN
NaN
Phone
08/01/2013
Closed with explanation
Yes
No
469711
101
2013-07-30
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Professional Debt Mediation, Inc.
FL
32304
NaN
NaN
Web
09/19/2013
Closed with explanation
Yes
No
469753
217
2013-07-31
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Resurgent Capital Services L.P.
TX
79403
Servicemember
NaN
Phone
08/06/2013
Closed with explanation
Yes
No
480992
339
2013-08-01
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
ERC
LA
70130
NaN
NaN
Web
09/05/2013
Closed with non-monetary relief
Yes
No
471496
392
2013-08-01
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Citibank
IL
60425
NaN
NaN
Web
01/09/2014
Closed with explanation
Yes
No
471655
543
2013-07-24
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
HSBC North America Holdings Inc.
PA
17814
NaN
NaN
Web
10/17/2013
Closed with explanation
Yes
No
465469
548
2013-08-07
Debt collection
Mortgage
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Bank of America
CA
95609
Older American
NaN
Web
08/14/2013
Closed with explanation
Yes
No
484874
553
2013-08-13
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Encore Capital Group
AZ
85354
NaN
NaN
Web
04/22/2014
Closed with explanation
Yes
No
488671
562
2013-08-07
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Northland Group, Inc.
GA
30642
Older American, Servicemember
NaN
Phone
08/09/2013
Closed with explanation
Yes
No
484869
665
2013-07-24
Debt collection
Mortgage
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
U.S. Bancorp
CO
81413
Older American
NaN
Web
07/24/2013
Closed with explanation
Yes
No
465831
830
2013-07-24
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Franklin Collection Service, Inc.
AL
36604
NaN
NaN
Web
07/24/2013
Closed with explanation
Yes
Yes
465061
841
2013-08-08
Debt collection
Auto
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Santander Consumer USA Holdings Inc
IL
60102
NaN
NaN
Postal mail
09/03/2013
Closed with explanation
Yes
No
483143
852
2013-07-25
Debt collection
I do not know
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Encore Capital Group
WI
54703
NaN
NaN
Postal mail
11/04/2013
Closed with explanation
Yes
No
466307
1192
2013-08-14
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
ERC
TX
77584
NaN
NaN
Phone
08/15/2013
Closed with non-monetary relief
Yes
No
489566
1199
2013-07-26
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Trident Asset Management, L.L.C.
PA
17043
NaN
NaN
Web
08/20/2013
Closed with non-monetary relief
Yes
No
467560
1207
2013-08-14
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
The Law Office of Daniel Slane
OH
45368
NaN
NaN
Phone
10/21/2013
Closed with explanation
Yes
No
489675
1268
2013-07-26
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Retrieval-Masters Creditors Bureau, Inc.
NJ
07508
NaN
NaN
Phone
08/01/2013
Closed with explanation
Yes
No
467712
1294
2013-08-14
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Fifth Third Financial Corporation
OH
43560
NaN
NaN
Web
08/21/2013
Closed with explanation
Yes
No
489727
1353
2013-07-26
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Synchrony Financial
VA
22079
NaN
NaN
Web
07/26/2013
Closed with explanation
Yes
Yes
467958
1392
2013-08-22
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Tenet HealthCare Corporation
CA
91411
NaN
NaN
Fax
10/17/2013
Closed with explanation
Yes
Yes
499344
1559
2013-08-05
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
CCB Credit Serivces, Inc
NaN
NaN
NaN
NaN
Web
08/08/2013
Closed with explanation
Yes
No
473747
1600
2013-08-05
Debt collection
Auto
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
TD Bank US Holding Company
NC
28376
NaN
NaN
Web
08/08/2013
Closed with non-monetary relief
Yes
Yes
473785
1673
2013-08-05
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Accord Creditor Services, LLC
FL
33176
Older American
NaN
Web
08/05/2013
Closed with explanation
Yes
No
455937
1776
2013-07-29
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Healthcare Receivable Professionals, LLC
GA
30067
NaN
NaN
Web
08/08/2013
Closed with explanation
Yes
Yes
471211
1875
2013-08-15
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Turning Point Solutions LLC
SC
29906
NaN
NaN
Phone
08/22/2013
Closed with non-monetary relief
Yes
No
490504
1963
2013-08-09
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
National Credit Adjusters, LLC
NaN
NaN
NaN
NaN
Phone
08/14/2013
Closed with explanation
Yes
No
486152
1998
2013-08-05
Debt collection
Mortgage
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Ocwen
ME
04419
Older American
NaN
Web
08/09/2013
Closed with explanation
Yes
Yes
474436
2099
2013-08-16
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Synchrony Financial
FL
33610
NaN
NaN
Web
08/15/2013
Closed with explanation
Yes
Yes
493461
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
731484
2015-07-28
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
GA
30092
NaN
NaN
Phone
07/29/2015
Closed with monetary relief
Yes
No
1489615
731607
2014-05-29
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
CA
95608
NaN
NaN
Web
06/03/2014
Closed with explanation
Yes
Yes
871758
731639
2013-09-12
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
TX
79603
NaN
NaN
Web
09/15/2013
Closed with explanation
Yes
No
526204
731759
2016-10-31
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
I co-signed a loan with my grandson for a coll...
NaN
Navient Solutions, LLC.
TX
770XX
Older American
Consent provided
Web
10/31/2016
Closed with explanation
Yes
No
2186397
731768
2016-01-17
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
I have repeatedly told navient representatives...
NaN
Navient Solutions, LLC.
MI
481XX
NaN
Consent provided
Web
01/17/2016
Closed with non-monetary relief
Yes
No
1743719
731847
2013-11-08
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
FL
33865
NaN
NaN
Web
11/08/2013
Closed with explanation
Yes
No
591462
731930
2015-10-05
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
NY
13037
NaN
Consent not provided
Web
10/07/2015
Closed with explanation
Yes
No
1593156
731994
2016-03-08
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
CA
93021
NaN
Consent not provided
Web
03/08/2016
Closed with explanation
Yes
No
1823163
732014
2015-02-18
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
FL
32817
NaN
NaN
Web
02/18/2015
Closed with explanation
Yes
No
1244369
732168
2013-12-22
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
CA
90001
NaN
NaN
Web
12/22/2013
Closed with explanation
Yes
No
641572
732271
2016-02-09
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
XXXX is reporting a paid collection that was s...
Company chooses not to provide a public response
Navient Solutions, LLC.
GA
300XX
NaN
Consent provided
Web
02/09/2016
Closed with explanation
Yes
No
1779785
732406
2017-02-13
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Finance System of Richmond, Inc.
FL
347XX
NaN
NaN
Web
02/15/2017
Closed with explanation
Yes
NaN
2341055
732465
2016-04-23
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
I was a co signer on a Student loan with my ne...
NaN
Navient Solutions, LLC.
KY
401XX
Servicemember
Consent provided
Web
04/23/2016
Closed with explanation
Yes
No
1893614
732521
2017-01-12
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
VA
22191
NaN
NaN
Web
01/12/2017
Closed with explanation
Yes
Yes
2286696
732994
2017-02-02
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Encore Capital Group
CT
06413
NaN
NaN
Web
02/02/2017
Closed with explanation
Yes
NaN
2324783
732998
2015-10-26
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
Debt was owed to collection company for variou...
NaN
Navient Solutions, LLC.
MT
973XX
NaN
Consent provided
Web
10/26/2015
Closed with explanation
Yes
No
1625489
733258
2017-01-30
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company believes it acted appropriately as aut...
NRA Group, LLC
FL
32256
NaN
Consent not provided
Web
02/02/2017
Closed with explanation
Yes
NaN
2318106
733513
2013-09-05
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
MA
01747
NaN
NaN
Web
09/05/2013
Closed with non-monetary relief
Yes
No
515773
733619
2014-02-12
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
CA
94618
NaN
NaN
Web
02/12/2014
Closed with non-monetary relief
Yes
Yes
711846
733641
2015-04-07
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company chooses not to provide a public response
Navient Solutions, LLC.
MS
39520
Older American
Consent not provided
Web
04/07/2015
Closed with explanation
Yes
No
1319622
733933
2014-02-24
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
DC
20002
Servicemember
NaN
Web
02/24/2014
Closed with explanation
Yes
No
728336
733942
2016-06-14
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
CA
90035
NaN
NaN
Phone
06/14/2016
Closed with explanation
Yes
No
1968177
734033
2016-08-11
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
This debt has been paid in full since XXXX 201...
NaN
Navient Solutions, LLC.
CA
923XX
NaN
Consent provided
Web
08/25/2016
Closed with explanation
Yes
No
2054877
734057
2013-12-08
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
PA
18702
Servicemember
NaN
Web
12/08/2013
Closed with non-monetary relief
Yes
No
624111
734067
2014-12-29
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Navient Solutions, LLC.
NV
89402
NaN
NaN
Web
01/05/2015
Closed with explanation
Yes
No
1172390
734135
2016-10-13
Debt collection
Federal student loan
Cont'd attempts collect debt not owed
Debt was paid
I paid off my student loans from XX/XX/XXXX XX...
NaN
Navient Solutions, LLC.
IN
462XX
NaN
Consent provided
Web
10/13/2016
Closed with explanation
Yes
No
2159436
734178
2017-01-31
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company has responded to the consumer and the ...
Sunrise Credit Services Inc.
TN
38018
NaN
Consent not provided
Web
01/31/2017
Closed with explanation
Yes
NaN
2319568
734193
2016-05-19
Debt collection
Non-federal student loan
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company has responded to the consumer and the ...
Navient Solutions, LLC.
FL
32814
NaN
Consent not provided
Web
05/19/2016
Closed with explanation
Yes
No
1933495
734197
2017-01-07
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company has responded to the consumer and the ...
Navient Solutions, LLC.
MI
48503
NaN
Consent not provided
Web
01/07/2017
Closed with explanation
Yes
NaN
2279483
734347
2016-12-27
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Southwest Credit Systems, L.P.
CA
956XX
NaN
NaN
Web
02/02/2017
Closed with explanation
Yes
NaN
2265618
15690 rows × 18 columns
In [63]:
paid_debt['Company public response'].value_counts()
Out[63]:
Company believes it acted appropriately as authorized by contract or law 1828
Company has responded to the consumer and the CFPB and chooses not to provide a public response 977
Company chooses not to provide a public response 559
Company believes the complaint is the result of a misunderstanding 209
Company disputes the facts presented in the complaint 176
Company believes complaint caused principally by actions of third party outside the control or direction of the company 167
Company can't verify or dispute the facts in the complaint 90
Company believes complaint is the result of an isolated error 50
Company believes complaint represents an opportunity for improvement to better serve consumers 21
Company believes complaint relates to a discontinued policy or procedure 2
Name: Company public response, dtype: int64
In [64]:
complaints.groupby(['Company']).size().order(ascending=False)
/Users/conlenm/projects/consumer-complaints/analysis/env/lib/python2.7/site-packages/ipykernel/__main__.py:1: FutureWarning: order is deprecated, use sort_values(...)
if __name__ == '__main__':
Out[64]:
Company
Bank of America 64563
Wells Fargo & Company 52148
Equifax 46034
Experian 43345
JPMorgan Chase & Co. 41463
TransUnion Intermediate Holdings, Inc. 37610
Citibank 33612
Ocwen 23720
Capital One 19526
Navient Solutions, LLC. 15936
Nationstar Mortgage 15805
Synchrony Financial 12401
U.S. Bancorp 11969
Ditech Financial LLC 11149
PNC Bank N.A. 8413
Amex 7979
Encore Capital Group 7572
HSBC North America Holdings Inc. 7052
Discover 6183
SunTrust Banks, Inc. 6005
TD Bank US Holding Company 5721
Select Portfolio Servicing, Inc 5597
Portfolio Recovery Associates, Inc. 4786
Citizens Financial Group, Inc. 3897
Barclays PLC 3835
ERC 3724
AES/PHEAA 3607
Seterus, Inc. 3590
Fifth Third Financial Corporation 3564
BB&T Financial 3228
...
Ronald H. Reynolds, Inc. 1
Homeowner's Mortgage of America, Inc. 1
College Lending Solutions of Salem 1
Homefront Mortgages Inc 1
Rubin Lublin, LLC 1
Columbus Capital Lending, LLC 1
Columbus Finance Inc. 1
Roberts Law, LLC 1
Commercial Credit Counseling Services Inc. 1
Robert P. Tomasso Mortgage Company, Inc 1
HomeServices of Iowa 1
Royal Pacific Funding Corporation 1
Medical Services Inc 1
Medical Debt Management 1
SI Mortgage Comapny Co. 1
Horizon Lending services, LLC 1
STME LLC 1
SMB Enterprises, LLC 1
Medical Debt Recovery, Inc. 1
Coconut Point Finance 1
Codilis & Stawarski, P.C. 1
SHARP COLLECTIONS, INC 1
S Foreman & Associates Inc 1
SEB Legal, LLC 1
SBG Financial 1
S.O.S. Loans, Inc. 1
Collection Bureau of Little Falls, Inc. 1
S&S Professionals LLC 1
S&N Debt Solutions, LLC 1
Law Offices of Sarah A Ponath LLC 1
dtype: int64
In [4]:
import zipcode
In [15]:
print zcdb.get('95992')
[<pyzipcode.ZipCode object at 0x110991390>]
In [ ]:
complaints['City'] = None
complaints['State'] = None
count = 0
for i in complaints[complaints['ZIP code'].notnull()].index:
# do calc here
if count % 100 == 0:
print i
count += 1
zz = complaints.ix[i, 'ZIP code']
if zz is None or 'X' in zz or '-' in zz:
continue
try:
z = zipcode.isequal(zz)
except Exception, e:
continue
if z is None:
continue
complaints.ix[i, 'City'] = z.city
complaints.ix[i, 'State'] = z.state
0
100
201
301
401
501
601
703
803
905
1005
1106
1206
1307
1408
1508
1610
In [7]:
complaints['Sub-issue'].value_counts()
Out[7]:
Account status 35126
Debt is not mine 34587
Information is not mine 29975
Not given enough info to verify debt 19821
Debt was paid 15551
Frequent or repeated calls 14006
Account terms 10326
Attempted to collect wrong amount 8353
Public record 8205
Personal information 7046
Right to dispute notice not received 6643
Problem getting my free annual report 6254
No notice of investigation status/result 5903
Problem with statement of dispute 5517
Reinserted previously deleted info 5262
Report improperly shared by CRC 4841
Trouble with how payments are handled 4781
Talked to a third party about my debt 4742
Debt resulted from identity theft 4512
Threatened to take legal action 4484
Problem getting report or credit score 4188
Repaying your loan 3820
Can't decrease my monthly payments 3543
Received bad information about my loan 3284
Can't get flexible payment options 2973
Threatened to sue on too old debt 2583
Investigation took too long 2516
Contacted me after I asked not to 2481
Having problems with customer service 2407
Charged fees or interest I didn't expect 2327
...
Not disclosed as an attempt to collect 1681
Inadequate help over the phone 1594
Sued w/o proper notification of suit 1322
Can't temporarily postpone payments 1303
Impersonated an attorney or official 1251
Keep getting calls about my loan 1128
Seized/Attempted to seize property 1102
Need information about my balance/terms 1041
Can't contact lender 957
Indicated committed crime not paying 955
Called outside of 8am-9pm 867
Attempted to/Collected exempt funds 860
Billing dispute 844
Account terms and changes 684
Received a loan I didn't apply for 558
Can't stop charges to bank account 480
Problem cancelling or closing account 461
Sued where didn't live/sign for debt 385
Payment to acct not credited 356
Indicated shouldn't respond to lawsuit 330
Applied for loan/did not receive money 301
Can't qualify for a loan 282
Charged bank acct wrong day or amt 274
Contacted me instead of my attorney 237
Getting a loan 205
Receiving unwanted marketing/advertising 204
Received marketing offer after opted out 163
Report shared with employer w/o consent 153
Qualify for a better loan than offered 147
Insurance terms 4
Name: Sub-issue, dtype: int64
In [15]:
paid_debt['Company'].value_counts()
Out[15]:
Encore Capital Group 651
ERC 451
Portfolio Recovery Associates, Inc. 434
Transworld Systems Inc. 355
Citibank 288
Synchrony Financial 260
Expert Global Solutions, Inc. 244
Diversified Consultants, Inc. 235
Afni, Inc. 233
Capital One 232
Convergent Resources, Inc. 209
I.C. System, Inc. 179
JPMorgan Chase & Co. 174
Bank of America 172
Resurgent Capital Services L.P. 168
Commonwealth Financial Systems, Inc. 150
Southwest Credit Systems, L.P. 132
CCS Financial Services, Inc. 130
Stellar Recovery Inc. 120
EOS Holdings, Inc. 117
Tenet HealthCare Corporation 116
HSBC North America Holdings Inc. 116
Receivables Performance Management LLC 115
CMRE Financial Services, Inc. 111
Dynamic Recovery Solutions, LLC 107
Navient Solutions, LLC. 107
Wells Fargo & Company 106
National Credit Systems,Inc. 105
Alorica Inc. 105
Allied Interstate LLC 99
...
Axis Financial Services, Inc. 1
Net Pay Advance, Inc. 1
The Law Offices of Gregory Alexandrides, LLC 1
Credit Systems of the Fox Valley, Inc. 1
Collection Bureau Services, Inc. 1
Internal Check Systems, LLC 1
Grace Recovery Services, Inc. 1
Pohler and Associates, LLC 1
Gordon & Wong Law Group, P.C. 1
J Northland Group 1
AAS Debt Recovery Inc. 1
Lang, Richert & Patch 1
Unified Global Group 1
Whitehouse Law Firm LPA 1
Pathfinder Credit Services 1
Russell W Richardson, Attorney at Law 1
Hosto & Buchan, PLLC 1
Kentucky Higher Education Assistance Authority 1
Grimley Financial Corporation 1
Certified Bureau of the South, Inc 1
Law Offices of Ross Gelfand, LLC 1
Flurish Inc. 1
Quad Corporation, Inc. 1
Deutsche Bank 1
Murrell Law, LLC 1
Retail Recovery Service N. J., Inc. 1
American Revenue Management, Inc. 1
Sentry Credit, Inc. 1
Integral Recoveries, Inc. 1
FirstBank of Puerto Rico 1
Name: Company, dtype: int64
In [16]:
paid_debt = complaints[complaints['Sub-issue'] == 'Information is not mine']
In [18]:
paid_debt['Company'].value_counts()
Out[18]:
Equifax 10366
Experian 9900
TransUnion Intermediate Holdings, Inc. 8324
Fidelity National Information Services, Inc. (FNIS) 267
Credit Karma, Inc. 94
CoreLogic 70
LexisNexis 58
First Advantage Corporation 47
Capital One 46
Innovis 34
Early Warning Services, LLC 32
Citibank 29
Synchrony Financial 27
Encore Capital Group 25
ERC 23
First Data Corporation 21
JPMorgan Chase & Co. 19
Sterling Infosystems, Inc. 17
Credit Plus Inc 17
Clarity Services 16
Factual Data 16
Discover 16
Bank of America 14
Wells Fargo & Company 14
Resurgent Capital Services L.P. 13
U.S. Bancorp 13
Portfolio Recovery Associates, Inc. 13
HSBC North America Holdings Inc. 12
Barclays PLC 12
HireRight Solutions, Inc. 11
...
Kenneth, Eisen & Associates, Ltd. 1
Asset Recovery Solutions, LLC 1
Clark County Collection Service 1
South Carolina Student Loan 1
BCA Financial Services, Inc. 1
Asset Management Outsourcing, Inc. 1
DLC, LLC 1
Partners Financial Services Inc 1
The Minacs Group (USA) Inc. 1
Monterey Financial Services, Inc. 1
Fidelity Capital Holdings, Inc. 1
Transworld Systems Inc. 1
Continental Finance Company, LLC 1
Omega RMS, LLC 1
First Investors Financial Services Group, Inc. 1
Sierra Holdings LLC 1
KeyCorp 1
Mid-Atlantic Finance Co., Inc. 1
BTH Management 1
Goldman Sachs Bank USA 1
Collection Bureau Incorporated 1
Associated Credit Services, Inc. 1
Nicholas Financial, Inc. 1
Pentagon FCU 1
Stanislaus Credit Control Service, Inc. 1
Lending Club Corporation 1
WESTERN MASS CREDIT CORP 1
Charleston Area Medical Center, Inc. 1
Risecredit, LLC 1
AES/PHEAA 1
Name: Company, dtype: int64
In [ ]:
Content source: mathisonian/consumer-complaints
Similar notebooks: