HEAD MERCANTILE CO., INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44240	Web
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH, XXXX Affidavit of Truth Be it known to all that I, XXXX XXXX, am in fact the consumer, natural person, original creditor, lender, executor, and administrator. I am not a citizen nor person as defined in commercial statutes. I, XXXX XXXX, am created by XXXX alone and subject only to my creator. Whereas, I of age, of majority, give the here in notice to all, I make solemn oath to the one and only most high of creation only ; whoever that maybe, and I depose the following facts ; so be it, now present ; Fact, The Fair Credit Reporting Act is intended to protect consumers against the reporting inaccurate information that is harmful and irrelevant to the consumer and the alleged account reported by debt collector HMC Group is inaccurate, harmful, and irrelevant to me as a consumer. Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. Fact, pursuant to 15 USC 1692 ( g ) no debt collector or court can validate any debt only the consumer can and HMC Group violated this when they responded to the debt validation dispute through the CFPB portal saying that the alleged debt is valid. Fact, HMC Group admits to not being present at the alleged time of the documentary evidence therefore any copies that HMC Group may present is heresy. Fact, entities can not create debt nor extend credit therefore they can not lend as said so by congress under Title 12 so APT Management can not be the original credit as claimed by HMC Group. I, XXXX XXXX am in fact the consumer, natural person, and original creditor. Fact, the term consumer reporting agency as defined by 15 USC 1681a ( f ) means any person which for monetary fees, dues, or on a cooperative nonprofit basis, regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumer for the purpose of furnishing consumer reports to third parties. Being that HMC Group has chosen to report this alleged account to my consumer report makes them a consumer reporting agency. Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of the alleged account by the debt collector HMC Group contains information that contributes to the alleged experience and transaction between I, the consumer and the alleged creditor which is claimed to be APT Management. Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of the alleged account by the debt collector HMC Group violates this. Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. Fact, nowhere in federal law is it written that a debt collector or consumer reporting agency must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report. Fact, an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce. Unless this Affidavit is contested or rebutted the alleged account reported by debt collector HMC Group must be removed from any consumer report [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22, 1982 1982 ] Fact, I am sure that the removal of the alleged account by the debt collector HMC Group from their records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again, and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce.
03/03/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44130	Web
A medical bill that I could not afford was sent to SOS XXXX XXXX in XXXX, OH. On XX/XX/XXXX I was at work and the receptionist told me someone named XXXX urgently needed to speak to me. She was a debt collector for the SOS Group. I could not continue to tie up our businesses only line so I offered to call her back from my personal cell phone. When I retrieved my cell phone I noticed I did have a missed call from the number less than one minute before they called my workplace. I immediately called Miss XXXX XXXX back and she explained this was an effort to collect debt for a medical procedure. I could not afford the entire bill, around {$2100.00} ( this was one bill of many from a medical event that in total was so high I surpassed my out of pocket insurance limits for the year and still owed ) and offered to arrange a payment plan. I explicitly asked Miss XXXX if this would keep the collections debt from being reported to the credit bureaus ( as I have been asking each collector for this event ) and she assured me it would. We went ahead and set up automatic payments to my card to be deducted each month. In mid XXXX my debit card has suspicious activity and my bank froze all of my accounts to investigate until I received my new cards in the mail. The card on file was affected but when they called me, on the Due Date of XX/XX/XXXX, I explained the situation and provided my new card which I had just received and activated the day before. On XX/XX/XXXXaround XXXX XXXX. I received an email from XXXX stating there was a new account on my credit report. I investigated and was shocked to see it was a collections account with HMC GROUP which I have never heard of. I called the phone number provided multiple times on XX/XX/XXXX until they opened and explained I didnt know what this debt was. Imagine my surprise to find out the HMC Group was also the SOS Group and I had been reported for a debt I was in a payment arrangement with. I do not remember the name of the representative I spoke with at this time. She was very rude, accused me of lying about being told this would avoid the debt being reported to credit bureaus and was raising her voice. She said she would forward my complaint to a supervisor but I could not speak to them now. I decided to call the number again as I was not satisfied with this answer. This time I was connected to Miss XXXX XXXX, who I had originally spoken to in XXXX. I again explained how she assured me this wouldnt be reported. As someone who temporarily lost their job in the pandemic and then had an additional almost month out of work unpaid due to the medical event in question, my finances took a huge hit and it was a stretch for me to afford the monthly payment I agreed to and only did so to save my credit. I asked to cancel my Payment plan if our agreement wouldnt be honored and Miss XXXX made threats including being sued, denying she ever agreed to these terms ( a few co workers were in the break room with me during the initial conversation on XX/XX/XXXX and have said they remember me explicitly asking this ) and raising her voice. As I was asking to speak to a supervisor she actually said things like just pay you bills next time and Im not arguing over this with you and hung up. This is absolutely unacceptable behavior. I have worked in customer service myself and that would never be tolerated under any circumstances. I was crying and emotional due to her lies but I didnt swear at her or call her derogatory names. I of course called again and this time was connected to a nice representative named XXXX. This complainant is not at all about her but about the company as a whole and the previous representatives. She apologized profusely and stated multiple times the manner in which I was just treated was unacceptable. Without asking, she offered me the direct line for her Supervisor and advised me to report the behavior. Because she was so kind I agreed to reinstate the payment plan until this dispute is settled. I have no issue paying what I can but I do have an issue with being lied to about this not being reported to credit bureaus to get me to enter this arrangement. I have now left 2 messages for the supervisor on his direct line ( I was told his name is XXXX XXXX ) with my name, phone number and the situation. I have not been contacted.
02/20/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
ON XXXX XXXX, I SENT SOS GROUP A LETTER REGARDING Re : Acct # XXXX XXXX REQUESTING THE INFORMATION BELOW To Whom It May Concern, This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; 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 if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that your offices make no telephone contact to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
03/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48433	Web	Servicemember
Back in XXXX i was involved in a motorcycle accident. I did have insurance which paid my medical, however several items were not paid due to incorrect coding. As a result they went into collection. They were all for XXXX XXXX XXXX in XXXX Ohio. When they were sent for collection they went to an attorney, They were marked individual but when they were paid it was one lump sum. which we paid to the attorney. I should add that it had gone to court. Because we had moved we never got a notice so there was a judgement, which was paid in full..I have a notice from the court and the attorney that shows it was paid. This was back in XXXX of XXXX. All of a sudden in XXXX of XXXX one of the amounts owing shows up on my credit report {$560.00}. I called HMC which ids the collection agency that now has it and explained to them that it was paid. They disagreed so I filed a dispute with experian.I informed them that I had even contacted alliance hospital which she had trouble locating the debt since the XXXX had turned it over 4 years ago. But she showed no such amount owing. I contacted the attroney 's office who handled this. When this debt was paid the credit bureau was not notified. Since the amount paid did not match any invoice ( as I said, there were 5 different invoices that equaled XXXX which I am sure includes interest ) The hospital said the account was closed. Somehow XXXX of the invoices from this group that amounted to XXXX which is listed on the invoices that were paid. It somehow was shuffled off ( I get the feeling that the hospital was not notified in a timely manner, therefore may have been passed on to someone else for collection. Which I found out had indeed been passed on. Several times over the years. This HMC however decided that after 4 years they would list the debt as owing and all but destroyed my credit. I have asked them to show proof as I did with with XXXX. I faxed XXXX the court document and letter from the attorney that it was paid. All they did was send dispute results back stating that it will remain on my report. Nothing from the hospital, nothing to back up their decision other than what they said. This is horrible, how do these people get away with this. The hospital didn't even know who HMC was as when the original debt was placed in collection, it was through an attorney. Don't they have anything better do do than to ruin the lives of honest hardworking people who are trying to get by. It's a wonder that so many people do things under the wire..trying to do them right is quite obvious to no avail. I have the receipts and court documents showing this was paid. It is actually a few dollars more with the added interest. I have absolutely no confidence or trust in our credit reporting agencies. The seem to have carte blanc in what and how they do things. All I want is for this XXXX that they claim is owing taken off my report. An apology from experian I'm sure is a pipe dream but worth mentioning. I do hope that the CFPB can help get this resolved. Respectfully, XXXX XXXX
11/24/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AR 72120	Web	Servicemember
I received an alert from XXXX that a collection account had been added onto my file. Upon reviewing the account, I saw that there was an account from a company that I did not recognize ( HMC Group ). I sent a debt validation letter certified mail/ return receipt to HMC Group on XX/XX/2020. I also disputed the account via phone with XXXX. On XX/XX/2020 I received a letter in the mail address to me from HMC Group. In the letter was a single sheet of paper that included my personal health information/medical record. I never gave HMC Group written nor verbal permission to access nor share my medical records. I do believe that HMC Group actions violates my HIPPA Rights. I never signed a HIPPA release form that would allow HMC Group nor XXXX to access and obtain my medical records. In the letter I sent to HMC Group, I requested ; The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services, verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Line by line accounting of the original account which should include ; transaction history and full breakdown of this account. Proof that this account is within the statue of limitations. Proof of their authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. Since they are located in Ohio, I also requested that they provide the licensing information from Ohio state as well. HMC Group did not provide me any of this information. Instead, they obtained my medical record and sent that to me. I would also like to note that the HMC Group account was returned to XXXX as a debt that was validated and verified. I have no access to view what information was sent to validate this date, but from what I was sent. I want to make it clear that I did not give any permission for HMC Group noXXXX XXXX to access and obtain my personal medical information. I do hope that this matter is investigated and address. If I am needed to testify to what I am stating has occurred, I am willing to do so. The account information still has not been address due to my HIPPA rights being violated by HMC Group. I have attached a copy of the United States Postal Service certified mail receipt, a copy of the medical record HMC Group sent to me, a copy of the envelope that the letter was sent to me in, and a screenshot of how HMC Group has updated and is reporting this account on my credit file.
11/05/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 395XX	Web	Servicemember
I disputed an invalid collections placed on my credit report with XXXX, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took XXXX approximately 30 days to return a decision that the collections account was verified to be mine. I reached out to the collections agency through the phone number listed on my XXXX account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. I created a new dispute with XXXX for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX XXXX XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX ) and told him the same story as before. He too refused to help me so I asked for his manager. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a manager. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The XXXX operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.
06/28/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29687	Web
Between XXXX and XXXX of 2018, I received a call from another XXXX XXXX located in Utah stating he was getting collection calls and mail for me regarding a medical debt. Somehow, this person was given my work direct line which was likely provided by the collection agent, and called me directly at work to notify me of the collection. I hadn't received ANY mail from this entity, so this was the first I'd heard of HMC group. I contracted HMC group directly and advised them that we'd actually spoken to the hospital and our insurance provider directly, and our insurance told us this should've been covered and no balance remaining, so we put our insurance into contact with the hospital in Ohio. We didn't think anything of it as we thought it was handled. I explained all this to the collection representative. At which point, a manager ( male ) took over the call, and asked how I wanted to resolve it. I explained the situation again to him and advised him I've received NO mail from them and asked them for validation of debt as I believed this was handled by our insurance provider. He ignored my request and continued to forcefully ask how I wanted to resolve. I told him I'm not doing anything until I receive mail from them and asked them why they were intentionally contacting the WRONG person when they likely already had my contact information. He got defensive and said if I'm not paying it will continue to damage my credit. Note I track my credit on XXXX XXXX and hadn't seen any medical debt notices, so I advised him it's not on my credit ( turns out XXXX doesn't report to XXXX XXXX, which is why I didn't see it ). He said he was going to personally 'make sure ' it's reported to my credit bureau then and then he hung up on me. So, in short, they're guilty of the following : - intentionally calling the wrong XXXX XXXX on the west coast in Utah and mailing my personal information to this other person, and providing my work direct line for this other XXXX to call me at work. - threatening and following through on actually reporting the debt to be CBR without providing any mail to me, or validation of debt which I requested.
04/17/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
I sent letters off on XXXX, to SOS GROUP for the alleged debts of {>= $1,000,000}, and XXXX that I do not owe and I have not heard from them nor received the requested information that I asked for. I never had any dealing with them nor owe them any money concerning any debt. Dear SOS GROUP DBA HEAD MERCANTILE CO INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
11/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
this is my 2nd attempt for MERCHANTS ADJUSTMENT SERVICE, INC, I sent my last letters on XX/XX/2021 for the alleged debts of XXXX, and XXXX that I do not owe.my first set of letters requesting the validity of the debts were on XX/XX/2021 and I never gotten a response from them which is a violation of 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. also violated 15 USC 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt, as well as 15 USC 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization because they usees the names of SOS GROUP and HEAD MERCANTILE CO I, which is not the original legal name
06/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44011	Web
When I was a minor ( about XXXX years old ), I received care from a local XXXX in the XXXX Ohio region by the name of XXXX XXXX. Under the arrangement, I would go to XXXX appointments and they would bill my parents for the appointment. About a year and a half ago ( at which point I am XXXX years old, which is a few years after I stopped going to the XXXX ) I noticed on my credit report a debt in collections. I called the collection agency and found out the debt was sold to them by XXXX XXXX. I knew this could not be legally my debt as I had never signed any agreement with XXXX XXXX to bill services in my name ( which is essentially opening an open-end credit account ), I never received statements from XXXX XXXX notifying me of the debt and its balance, and I was not of legal capacity to contract as a minor. After I found this out, I immediately sent a letter to both XXXX XXXX and the collection agency requesting debt verification. While the collection agency did confirm that they could not verify the debt and ultimately deleted the account, I never received any response from XXXX XXXX. About 6 months later or so, my brother calls me asking how to handle a debt in collections, and I find out that XXXX XXXX sold the exact same debt amount to the exact same collections agency and put it under my brother 's name instead ( and I don't even think he went there ). Regardless, XXXX XXXX is flagrantly violating TILA, FCRA, and other credit regulations related to the transparency, disclosure, and authorization of debt. When confronted by consumers about their violation of the law, they choose not to respond to the consumer, and instead try to pass off their faulty debt to a different party altogether. I believe it is in the best interest of all current and future consumers in a financial relationship with XXXX XXXX that their credit, billing, disclosure, and authorization practices are audited to ensure compliance with all applicable federal regulations.
10/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
on XX/XX/2021, I sent some letters to s.o.s group dba head mercantile co about some alleged debts of XXXX, and XXXX that I don't owe. i request the validity of the alleged debts and as of XX/XX/2021, they haven't responded to my request. SOS GROUP sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter on XX/XX/2021 requesting the validity of the alleged debts of XXXX, and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOS GROUP has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days. As you can see the date was XXXX and today is XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
05/07/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44130	Web
I filed a previous complaint ( XXXX ) on XX/XX/2021 about deceitful tactics and abusive language by the representatives at The SOS Group. On XX/XX/2021 my complaint was marked closed and the response was that I would be contacted by the company. Later that day I did receive ( missed the initial call due to work, but played phone tag a bit ) a call from XXXX. He was kind enough but denied everything in my complaint. However the resolution offered was for me to update my initial complaint saying they resolved it and in turn, he would have the debt removed from my collections report ( which was a huge part of my initial complaint and he denied was ever promised ). I agreed simply because this absolutely destroyed my perfect credit which is another devastating blow after crippling medical debt. I updated my complaint praising XXXX in hopes he would stay true to his word. I received a call in XXXX that my automatic payment was declined for some reason and I needed to pay. I immediately did and called my bank after I got off the phone. They have no record of an attempted charge nor a declined payment. I cant think that this was an effort to prove I didnt follow through with my end of the agreement. It is now XX/XX/2021 and no effort has been made on the part of The SOS Group to follow through with their end of the agreement, the collections is still listed on my credit-the balance has decreased but it is still there. I am confident The SOS Group will again fail to admit their wrong doings and accuse me of lying. I am sure they will deny ever agreeing to this. I certainly would never have agreed to amend my review if this wasnt offered. Be aware when entering agreements with this group, they will absolutely lie and fail to live up to their word.
08/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44870	Web
My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?
08/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MS 395XX	Web	Servicemember
Im a victim of balance billing my XXXX. I had services done through XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX 39501.They sent me a bill for the remainder balance of a service that was not fully paid by XXXX 's XXXX ( XXXX XXXX XXXX XXXX XXXX after the service was paid by XXXX ( XXXX ) XXXX called XXXX several XXXX before about the issue with XXXX XXXX sending me a remainder bill of services rendered allowed charges through the state XXXX contract XXXX I also called XXXX billing about this issue recently and was told there was no balance. I believe this is because they sold it to Head Mercantile Co IncXXXX Today, I received notification from my XXXX that head XXXX XXXX reported this balance bill as collections on my credit report. I have tried to dispute matter. XXXX they said they took care of any bills remaining and should have not been billed, This is the 5th time I've tried to take care of this matter. Open date of collection was XX/XX/2020 and was reported XX/XX/XXXX i believe could be wrong.. XXXX didn't remove bill from account and head mercantile purchased this bill. They have now reported this to my XXXX as collections..NO bill notices were sent. I called XXXX today they said there should be any bill sent to me and Ive opened a grievance. This is illegal to balance bill a XXXX patient, even managed care XXXX, in the state of Mississippi. THEY have never sent a bill in mail paper. Head Mercantile address is : Head Mercantile Co Inc ( sos ) Business Phone : ( 440 ) 892-2300 29065 clements rd ste 200 Westlake, OH,44145 Memorial Hospital Gulfport 4500 13th St, Gulfport, MS 39501 228-867-4000
11/05/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44240	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to HMC Group back in XXXX. HMC Group has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. HMC Group has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both HMC Group and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither HMC Group or XXXX any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account. 2. Delete any and all references to this alleged account.
05/10/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OH 44130	Web
My initial complaint was filed in XX/XX/2021 regarding misleading, unprofessional and abusive language with the SOS group. My case was marked closed and I received a call from a supervisor stating that I was lying but if I modified the complaint they would remove the report from my credit. I agreed, only to save my once perfect credit. I asked if updating the complaint so show I was satisfied and they handled it properly would be enough. They said yes. I did so immediately upon hanging up. Two months later in XX/XX/2021 I filed a new complaint because they had yet to follow through with their end of the deal. Today, Monday XX/XX/XXXX I get notice the complaint was closed yet again with no resolution. The SOS group stated again that I was untruthful about my original complaint and that they got no noticed I rescinded the original complaint so at this point they will not be removing it. I have proof my original complaint was amended-exactly how I asked if it could be-and they are again not following through their end of the deal. They are aware my finances and health were ruined due to this medical event-the reason I am in collections- and therefor can not afford a lawyer to fight them and I fully believe they are taking advantage of that.
11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 790XX	Web	Servicemember
XX/XX/XXXX workmans comp. Went to ER. I had several medical bills that came in. XXXX XXXX XXXX said they were working on them. One of the Bill 's was XXXX XXXX XXXX XXXX XXXX. I only got 1 bill from them so I thought that it was paid finally. Then in XX/XX/XXXX on my credit report was that amount but it was a different name " Head Mercantile ''. So I called from my credit report and tried to talk to them since this was a workmans comp bill but the man was rude, verbally threatening. He called me a liar about it being workmans comp. He would not help with information about the bill. Except keep telling me that he would do any and everything possible to get the money. XXXX XXXX XXXX XXXX XXXX hired Head. I eventually found out " XXXX '' found out that it was workmans comp and not self pay. They filed with XXXX XXXX yet leaving Head after me for the bill. I have talked to " XXXXXXXX '' and have an updated bill but " Head '' will not accept the bill nor will they remove it from my credit. I'm attempting to buy a house but my credit scores have dropped because of the derogatory bill against me. I'm XXXX XXXX XXXX veteran on limited income and this is what no one will help me with.
06/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45365	Web	Servicemember
When I got a copy of my credit report earlier this year I noticed several collection items from a company called XXXX XXXX. They claim that it was a debt from XXXX XXXX in XXXX, OH. I had no knowledge of this debt collection company until I pulled my credit report. I did my due diligence and researched FCRA and FDCPA laws. My findings conclude that by law I have the right to dispute anything on my credit report with anyone that furnishes information to the credit bureaus. The company that furnishes information are required to respond to the consumer. I have sent several letters to the XXXX XXXX and they have failed to respond to my disputes. I sent my first letter in XXXX of this year with no response from the XXXX XXXX Consequently they have failed to report to the credit bureaus my disputes when they updated my credit file twice in XXXX. Furthermore they have continued to ignore my request for validation. I have given them more than ample time to respond and have failed to do so. At this point I am requesting they remove the items from my credit file from all three bureaus or I have no choice but to file a lawsuit because of their violations.
12/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
A debt collection agency by the name of HMC GROUP is reporting a debt on my XXXX, XXXX, and XXXX XXXX reports. The amount of the debt reports to be for {$260.00}. The report that the account Original Creditor was XXXX HOSPITAL XXXX XXXX and was opened on XX/XX/2021. I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. This account was paid by my employer/insurance company or workers compensations plan. However, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account or to support the validity of the account As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.
11/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33133	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SOS GROUP ( Original Creditor Name XX/XX/XXXXXXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX. XX/XX/XXXX Balance {$1100.00}
11/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 395XX	Web	Servicemember
On XX/XX/2020 I had the SOS Group ( Original Debtor is XXXX XXXX XXXX ) put a number of delinquent accounts under collection on my SSN. I moved in XX/XX/2020 and even after filing a change of address, I did not receive the collection letters. As soon as I did receive them, I paid off the collection immediately. I worked for a company named XXXX XXXX. I had insurance through them and the company was sold in 2020. The insurance switched over to the new company, XXXX. The insurance company changed from XXXX to XXXX XXXX XXXX XXXX. XXXX has been sold as well to XXXX. I have tried contacting someone on this and they tell me to contact the debtor. SOS Group tells me to contact XXXX XXXX. XXXX told me the account shows paid but when I apply for credit, I am being denied due to collections. I pay all my bills on time and pay my credit cards off monthly. I do not work with that company anymore. Since the buyouts, I think I may have fallen through the cracks with my complaints. My bank told me to contact the FTC. What options do I have available to me?
10/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33175	Web
This collection company has violated a lot of serious laws. They have admitted that they did not have my correct address in the previous complaint which was an inaccuracy and per FCRA section 609 any inaccurate information must be deleted. They continued to violated FCRA, they have sent me my medical bills without showing VALIDATION instead they sent verification. They also sent my medical information through email unsecured and sending my health information which is a HIPAA violation. I have contacted my state attorney and they have advised me to work this out with the company before they step into legal action. I will give them another chance to delete their negative reporting and send it back to the original creditor because I have never gotten a notice to validate before they put this negative reporting on my credit and it is affecting me in getting credit. I will proceed with a Hipaa complaint through HHS if it is not resolved, the original creditor never got a signature to release my personal health information
11/05/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on XXXX XXXX, I SENT SOS GROUP DBA HEAD MERCANTILE CO , INC letters about some alleged debts of the following:XXXX ; XXXX and XXXX that i do not owe. i never done business with them nor owe them this amount. also they gave my information to a lawyer acting as a debt collector trying to sue me which is against the law. 15 USC 1692e states : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44240	Web
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH Please see attached the response that I received from the debt collector HMC Group. It does not matter how many times I file a complaint against them by law they must respond to each and every point and dispute that I, the consumer brings to them. Being that they clearly failed to respond to the attached Affidavit of Truth, that was sent to them yesterday XX/XX/XXXX, the Affidavit stands at truth as an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Therefore as a consumer I am now demanding that HMC Group zero out the balance of this alleged account and delete any and all references to this alleged account.
12/01/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 441XX	Web	Older American
Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.
10/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39503	Web
I've had Two accounts that have not been properly verified from HMC Group, the first one is for {$3000.00} and the second one is for {$400.00} which was placed on my credit report on or around XX/XX/XXXX. I have disputed both items numerous times only to get a Verified response without written proof or my original contract signature with this company. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.
10/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AK 99645	Web
The XXXX XXXX from Ohio, also known as the HMC group, called me on XX/XX/XXXX saying I owed XXXX dollars in medical debt. They threatened to pursue legal action against me if not paid. I immediately called me hospital and talked to the head of billing and they said I had paid off all my bills from my er visit and that they do not use hmc or the XXXX XXXX for collections. I called the collection company back and they began to be very rude and said I was accusing them of lying and that I spoke to all the wrong people. They never once explained to me that I could dispute this collection. And NOW I see the collection is on my credit report. I am very frustrated and dont know how to fix this.
08/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39402	Web
The medical problem for which I scheduled a Dr 's appointment was from a work injury ; hence workman 's comp should have covered this bill. Also, I was never given a chance to dispute this charge within 30 days. I treated very poorly at this hospital, and ended up having my coworker wheel me out in a wheelchair. I literally could not walk so to the extreme XXXX XXXX that I was experiencing, yet the Dr acted like I was some XXXX XXXX trying to get a Rx for narcotics. I felt like I was being judged/faking the injury. This was very embarrassing.
10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39157	Web	Servicemember
Filed multiple disputes and requests to HMC Group for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also SOS Group with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( XXXX XXXX XXXX XXXX which SOS Group ignored and this complaint was sent to the FTC.
06/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39501	Web
I received notification through my credit monitoring company on XX/XX/2020 that HMC Group has reported a collection account to my credit reports. Before this day I had never heard of this company. I have not received any documentation nor any phone calls. I had no notice of who they were or how I owed them. I do believe that there is a law in place that requires collection agencies to notify me and to give me time to dispute and to give me notice before they place an account on my credit report.
09/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33012	Web
I looked at my credit report and noticed a collection account listed from Head of Mecanticle Co with the amount of {$910.00}. I do not remember this debt taking place. I never recieved any email or letter ins the mail in regard to this debt. I would have never have allowed it to go to collections if I had known about it. I am trying to apply for an apartment and am not able to get it due to this collection account.
08/31/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
ON XX/XX/2020 I wrote HMC GROUP 2 different letters about some alleged debts that they are reporting on my credit that are not mine.I have neither receive any information nor has it been reported as disputed within the 30 days time frame by law.I would like for these inaccurate items to be remove from my credit report before i seek a attorney to represent me.I have attached a copy of the letters below.
11/05/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
I have sent HMC GROUP letters on XX/XX/2020, in which they didn't response, and recently on XX/XX/2020 about 3 different alleged debt of XXXX, and XXXX $ that are not mine.I mailed them off certified mail/return receipt for my record.This is stressing me out and causing me from accessing a house with the negative items on my report.I have attached copies below of the letters that i sent.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 395XX	Web	Servicemember
on XX/XX/2020 i sent a letter to HEAD MERCANTILE CO I DISPUTING A ALLEGED ITEM that they are reporting on my account asking them to validate the information @ hand because it hurting my credit also a violation of the Hippa agreement sharing medical information without my consent to third parties.I am asking for your assistance in this matter in correcting this situation
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 395XX	Web
i notice a collection on my credit report from HEAD MERCANTILE CO I ON XXXX XXXX that are sharing my content without my consent and violating the Hippa law as well. i am asking for the alleged debt to be validated and cease and desist all collection activity until other wise proven cause I'm having great stress behind this negative information reporting on my credit.
04/09/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44870	Web
When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.
07/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web	Servicemember
I have always had insurance I have already submitted one complaint and they can not locate account. Its on my credit I have no knowledge of this nor was I notified of this u til I checked my credit. Refuses to verify account .its been over 3 months Ive been writing them they want me to supply info to them to verify when thats literally their job.
02/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39532	Web	Servicemember
on XX/XX/2021, i sent a certified letter to SOS GROUP D.B.A HEAD MERCANTILE CO INC, A LETTER ABOUT A ALLEGED DEBT OF {$140.00} THAT I DO NOT OWE. ITS SHOWING UP ON MY CREDIT AND I AM SUFFERING FROM THE INACCURATE INFORMATION REPORTING ON MY CREDIT. I REQUEST DETAILED DOCUMENTATIONS CONCERNING THIS ALLEGED ITEM AND I HAVE ATTACHED A COPY BELOW.
09/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33175	Web
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
09/06/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44857	Web
The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX district of Michigan. It should not be on my credit report.
10/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39532	Web
Head Mercantile Co. also known as the SOS Group and other names, has been violating my rights over and over again regarding this fraud account for years. When I asked for validation of the debt, they sent a deceptive statement that they created. They have continued to violate my privacy.
09/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
ON XX/XX/2020, I NOTICE 5 COLLECTIONS FROM HMC GROUP ON MY CREDIT REPORT AND SENT THEM 5 LETTERS CERTIFED WITH RETURN RECEIPT DISPUTING THE ALLEGED DEBTS OF : XXXX,XXXX,XXXX,XXXX, AND XXXX THAT I DO NOT OWE.I HAVE ATTACHED COPIES OF THE LETTERS BELOW IN YOUR ASSISTANCE IN THIS MATTER.
06/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 492XX	Web	Servicemember
The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered
01/11/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
on XX/XX/2020 i sent my 1st set of letters to HEAD MERCANTILE CO I ABOUT SOME ALLEGED DEBTS OF XXXX, AND XXXXTHIS IS MY SECOND SET OF LETTERS WITH NO RESPONSE.THIS IS VERY DEPRESSING THAT I CANT GET ANY ASSISTANCE IN THIS MATTER.I HAVE ATTACHED COPIES BELOW ALSO.
09/21/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
I NOTICE THREE COLLECTIONS FROM HMC GROUP ON XX/XX/2020, SO I RESPOND IT TO THEM ON XX/XX/2020 REGARDING THE ALLEGED DEBTS OF : XXXX, AND XXXX THAT I DON'T OWE.I HAVEN'T RECEIVED ANYTHING AS OF YET AND I HAVE ATTACHED A COPY OF THE LETTERS BELOW.
08/12/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
i notice a negative item on my credit report from HEAD MERCANTILE COMPANY ON XX/XX/2020 SAYING I OWE A ALLEGED DEBT OF XXXX. I sent them a complaint letter for this debt which I attached a copy below.I am asking for any assistance in this matter
07/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 366XX	Web	Servicemember
I have sent several letters to the company to verify debt and they will not send anything to me to verify today is the XXXX day since I sent the first letter. I have always had two insurances, that is why I am asking verification.
06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44035	Web
I have taken the company to court and won. I took the documentations to the debt collector and they will not remove the debt from my report. Saying I still owe money and my court documents that are stamped dont mean anything.
04/22/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 443XX	Web
HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.
11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32765	Web	Older American
I pulled my credit report last month ( XXXX ) and the following company was Head Mercantile Inc. This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
12/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
I pulled my credit report. I seen an amount for {$160.00}. This includes a medical service that I am unaware of because the information is not me or owed by me.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 11231	Web
On XX/XX/2019 on my Credit Report the account 'HEAD MERCANTILE CO INC ' was added to my XXXX and there is not evidence or record with that agency.
04/09/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44870	Web
Multiple debt on medical bills the debt collector can not tell me dates or service or for whom
04/25/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44105	Web
XXXX dollars reported owed to company
01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 395XX	Web

01/16/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44107	Phone

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 395XX	Web

12/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44143	Web

11/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IA 52722	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

05/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39503	Web

05/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 39503	Web

03/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44460	Web

07/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 36606	Web	Servicemember

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70769	Web

01/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76051	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39574	Referral

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30815	Web

09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

09/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39571	Web

08/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

07/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

05/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44240	Web

04/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

03/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44143	Web

11/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39560	Fax

11/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

11/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39501	Web	Servicemember

10/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32955	Web

10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33417	Web

07/15/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15857	Web

05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70806	Web

05/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44307	Postal mail

02/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44135	Web

12/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33685	Referral

11/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33467	Web

11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33467	Web

08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44111	Web

08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 44857	Web

04/26/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44125	Web

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44601	Web

11/14/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 44703	Web

03/20/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70791	Referral

11/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33905	Web

07/22/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44221	Web

01/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 45344	Web