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consumer_complaints_medium

Dataset card Data Studio Files
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Consumer Complaint
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Incorrect information on your report
THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. THANK YOU
Cont'd attempts collect debt not owed
This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.
Written notification about debt
XXXX bank portfolio Recovery is garnishing my account from a balance that was apparently from XXXX On my credit report it is showing that is charged off.. I was told that I made a payment in XXXX of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.
Charged fees or interest I didn't expect
I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.
Managing the loan or lease
I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct. I have called Gm Financial about this multiple times and nothing has been done
Cont'd attempts collect debt not owed
Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.
Problems caused by my funds being low
Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.
Cont'd attempts collect debt not owed
They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?
Problems caused by my funds being low
I was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.
Other transaction problem
On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.
Communication tactics
Portfolio Recovery calls my cell phone from the number above along with many other numbers several times each day. The debt they are calling about is already dropped from my credit report & over the time limit yet they continue to call me multiple times every day.
Managing the loan or lease
I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX
Unsolicited issuance of credit card
Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.
Communication tactics
the person calls every 2 hours during the day
Incorrect information on credit report
transunion would not delete wrong information.
Billing statement
I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.
Incorrect information on your report
I have been disputing information so I have the records to indicate my standing
Cont'd attempts collect debt not owed
We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.
Cont'd attempts collect debt not owed
original debt was with GE money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Deposits and withdrawals
A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.
Written notification about debt
I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.
Billing statement
Capital One Credit Card cont. showing me that I owe them $ XXXX or more to all XXXX credit Bureaus. Why? This card was paid off 4+ months ago. RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XX/XX/2016, your Capital One ( R ) MASTERCARD PLATINUM account balance is $ -XXXX. This balance does not reflect pending transactions.
Attempts to collect debt not owed
I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.
Attempts to collect debt not owed
Ic systems is reporting and attempting a debt for XXXX XXXX. XXXX XXXX debt is invalid, As i was protected under the Soldiers and Sailors ACT. I was deployed, and notified them to my file acct on hold, per the act. And they did not. They are in violation of the SSCRA And I do not owe this debt.
Incorrect information on credit report
I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.
Problem with a credit reporting company's investigation into an existing problem
I have disputed and credit bureaus will not delete.
Improper use of your report
Unsafely stored my personal information without my knowledge and now can not determine if my information was stolen in a recent breach of their systems/databases.
Loan servicing, payments, escrow account
Our home mortgage was sold to PNC Mortgage. We 've never received a monthly statement. Just a coupon book with 12 coupons, each showing the amount of our payment and the date due. Is n't PNC required to send out monthly statements with the information about our balance due?
Communication tactics
Repeated Calls Calling my Work told XXXX XXXX to stop calling i would settle any debt with the original deter he then said i will just keep calling and hung up the phone 30 seconds later called me back i did not pick up 1 min later he Called me again then called me 2 more times after that
Fraud or scam
On XXXX/XXXX/XXXX, I woke up to emails from western union stating two large sum transfers were initiated and picked up totaling {$5000.00}. I did not make these transfers nor did I authorize them. I called western union to report the fraud and was told all they could do was close my account. They did not give me a fraud file claim number or any additional information and are unwilling to help investigate or recover the funds
Improper use of your report
This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.
Improper use of your report
According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. A data breech on this scale is utterly irresponsible and totally unacceptable.
Dealing with my lender or servicer
I hold both federal and private student loans with Navient. Since they took over for XXXX XXXX my monthly payments have been consistently applied to the wrong account adding up to multiple late fees and even affecting my credit rating.
Dealing with my lender or servicer
In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}
Fraud or scam
I added {$60.00} to my Coinbase account on XX/XX/XXXX and today is XX/XX/XXXX and my money has not been added yet, it still shows pending. Theres no valid telephone number to call this company and they only respond back with general information not about ; where is my money. This company is a scam and should be shutdown. How do you have a $ XXXX company and no contact number nor any type of customer service? Clearly a scam
Incorrect information on your report
Was unable to connect or contact them or dispute online or show proof of payment
Incorrect information on credit report
See attachments. Experian does not have the proof document. They are using tactics to defer and delay. They have my personal proof of ID on file. We went over this many times. Why are they allowed this? Who can I seek out to get help?
Charged fees or interest I didn't expect
charged an unbelievable interst rate that i wasnt aware of ... borrowed XXXX and i have to pay XXXX back ... when i thought i had to pay XXXX that was stated before i finalized the loan ... did know about the XXXX until the loan was finalized ... big picture loans apart of tribal loan company
Loan servicing, payments, escrow account
I SEE XXXX LATE PAYMENTS REPORTED ( CREDIT ) IN MY MORGAGE AND I HAVE ASK THIS BANK FOR THEM TO MOVE THE DUE DAY OF MY MORTGATE TO THE XXXX OF EVERY MONTH OR BECAUSE I GET PAY ON A BI-WEEKLY BASIS. I AM STILL PAYING FOR MY MORTGAGE AND THIS IS NOT FAIR.
Cont'd attempts collect debt not owed
this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately
Loan modification,collection,foreclosure
I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for me.
Incorrect information on credit report
I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from XXXX XXXX, XXXX XXXX, XXXX
Took or threatened to take negative or legal action
In the first week of XXXX the bayside collection service called and threaten to have me arrested if I did not pay XXXX on XXXX XXXX and XXXX XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
Problem with a credit reporting company's investigation into an existing problem
On XX/XX/XXXX I sent letters to XXXX, XXXX, and Transunion requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Using a debit or ATM card
Bank of America is allowing fraud since a merchant received items back and has kept my money.
Credit reporting company's investigation
Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.
Credit reporting company's investigation
Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. Tranunion did not properly notify me of collection accounts being reinstated on my report. Debts impacted XXXX XXXX
Incorrect information on credit report
I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that..
Incorrect information on credit report
I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current phone number.
Other transaction problem
I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.
Threatened to contact someone or share information improperly
Received a call from XXXX XXXX from XXXX XXXX XXXX . I advised her I am not allowed to receive personal calls at work. XXXX XXXX threatened to sue me. I again advised her I was not able to speak with her while I am at work. XXXX XXXX has also contacted my employer on his personal cell phone. XXXX XXXX very verbally abusive during this entire call.
Loan servicing, payments, escrow account
I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.
Incorrect information on your report
XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Dealing with your lender or servicer
Please validate Student loans.
Dealing with my lender or servicer
Curious what my option are given Navients recent lawsuit
Problem with a purchase shown on your statement
I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
Incorrect information on your report
On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call
Incorrect information on your report
XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Attempts to collect debt not owed
I was a victim of ID theft in 2013. Someone opened up a cellular account with my information. I have contacted Diversified Consultants several times and requested they remove this account. I do n't feel comfortable sharing my police report with a third party debt collection agency but will share it with this agency, if needed.
Incorrect information on your report
XXXX XXXX is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or XXXX XXXX . This was not me
Problem getting a card or closing an account
Citibank opened a credit card that I did not order & refuse to close it. And now are sending charges. XXXX XXXX
Improper contact or sharing of info
Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
Incorrect information on credit report
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Cont'd attempts collect debt not owed
American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.
Problems when you are unable to pay
TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT
Incorrect information on your report
I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.
Improper use of your report
Experian Credit Report shows a hard inquiry from XXXX XXXX in XX/XX/XXXX. I know for a fact that I have n't authorized anyone to pull my credit since XX/XX/XXXX. Contacted Experian and they said I have to contact the company directly. Called the number listed on the Experian report and the number is disconnected. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Credit card protection / Debt protection
CITI BANK tried to collect money ( XXXX XXXX and twice on XXXX XXXX ) owed them, saying it was past due, when I had never received a bill. I refused and ujpon receipt of the bill, discovered it was not due until XXXX XXXX.
False statements or representation
I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.
Dealing with my lender or servicer
Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.
Problem with a purchase shown on your statement
Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.
Disclosure verification of debt
Not may account fraud letter was sent with proof i always had health insurance. and request for information no response.
Disclosure verification of debt
XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.
Incorrect information on credit report
I have been sending letters to the bureaus since XXXX 2015. I am not sure if the bureaus are doing proper investigations but the XXXX on my report keeps a new date of last activity even though I settled this a long time ago. This date being updated is illegal and hindering me from moving on with my life and crushing my scores. Please intervene and make them remove it
Written notification about debt
On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.
Fraud or scam
Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..
Incorrect information on credit report
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the credit bureaus with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
False statements or representation
Green Tree has change the Charge Off date so that it does n't get drop off my credit report. It also has also lower my FICO Scores. It was charged off back in XX/XX/XXXX and they reported to credit bureaus to reflect an reset charge off date of XX/XX/XXXX ...
Managing the loan or lease
XXXX XXXX XXXX XXXX added products lowered my monthly payment with a resign my signatures are not on the loan doc 's forgery cra violation and hippa XXXX west XXXX refuse to give me back warranty money cra violation
Attempts to collect debt not owed
XXXX XXXX XXXX XXXX XXXX XXXX showing up in collection with a balance of {$0.00}. Do n't understand why this was put on my credit report, have n't received any paper work
Incorrect information on your report
This account is paid and needs to be removed
Improper contact or sharing of info
A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.
Attempts to collect debt not owed
I have disputed this debt with the company several times requesting documentation to prove I owe this debt and have never been provided any information. I did not contract this debt nor have I seen any proof otherwise. My fourth and final dispute requesting proof of debt was sent to the company on XXXX XXXX XXXX
Improper use of your report
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Removal of unauthorized inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XX/XX/XXXXFraud alert was placed XX/XX/XXXXon Transunion Credit Report XXXX Transunion refuses to remove inquiries. Please delete.
Written notification about debt
Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.
Cont'd attempts collect debt not owed
I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.
Incorrect information on credit report
Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX XXXX XXXX.
APR or interest rate
Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.
Cont'd attempts collect debt not owed
As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.
Incorrect information on credit report
Transunion had a glitch in their system that cause that reinserted previously deleted information. They violated my rights unders section 6.11. I was never notified. As a result my credit score has been gravely affected. i have contacted them more than but they have not taken any actions to correct the error. I am requesting that all inquiries be removed from report.
Problem with a credit reporting company's investigation into an existing problem
Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.
Using a debit or ATM card
Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.
Dealing with my lender or servicer
School closed and I was unaware loan could be be forgiven,
Cont'd attempts collect debt not owed
Statue of limitation has passed on the item in question.
Disclosure verification of debt
I continue to receive phone calls from a debt collector regarding a loan that I have never taken out with this company. I have asked this company to provide documentation or a contract related to this loan and they have yet to provide the requested information.
Disclosure verification of debt
this debt is over seven years old since it was delinquent. It needs to be removed from my file
Attempts to collect debt not owed
this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. It is also reporting twice on mt trans union report.
Taking/threatening an illegal action
LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.
Improper use of your report
XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX
Communication tactics
Multiple Emails and Multiple calls from several people at this business. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. I communicated my plan for payment. Stated I was doing the best I could do and that repeated contact would not change what I could do. Asked them to restrict their contact to ONE member of their staff and to use Email only ( as I can not receive calls during the day ) They have also called before XXXX and called after I 've asked them not to.