JH Portfolio Debt Equities, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/26/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	NJ 07003	Web
My co-signer received a call today XX/XX/2019 from XXXX XXXX XXXX demanding a payout of my loan. Initial balance was XXXX where I was making payments to XXXX XXXX XXXX XXXX for a loan that I took out with XXXX XXXX. Apparently XXXX XXXX sold my loan to XXXX and then XXXX sold it to XXXX XXXX XXXX. I was making payments with XXXX XXXX XXXX and then I called them a couple of weeks ago and they told me that they had resold it to XXXX XXXX XXXX and that I needed to contact them. XXXX XXXX then told me that I had to contact the original loan servicer to discuss with them. I tried calling XXXX XXXX and they did not have such information on file for such amount about my loan. This is where XXXX XXXX comes along today XX/XX/2019, and states that they were hired by XXXX XXXX whom are the insurance providers of the loan through XXXX to collect the debt above but that my amount is now {$20000.00}. They demand from my co-signer to settle the debt so this can be taken away. My co-signer calls me to inform me of the collection agency that is calling and bothering her and she has no idea who they are and why they are demanding a settlement if she has never heard of them or received any prior information ( mail, or e-mail ). She is concerned how they have all of her information and they would not give her any detail information about their agency and facts about the loan. I called them back the same day, today at XXXX and tried to speak to the same lady that my co-signer spoke to. I first spoke to XXXX XXXX at XXXX. She demanded that I settle the debt that now was {$20000.00} because of Interest. Without giving me any proof of such interest or where I could obtain that information. She said that they had sent out a letter to me on XX/XX/XXXX. The address they had on file was my old address and not even the updated information that XXXX XXXX XXXX had. I also asked why they did not reach out to me first instead of my co-signer and she had no answer to that but that my co-signer needed to know what was going on and if my co-signer would settle the debt immediately they would take her payment. I then requested to speak to a manager as she did not have more in-depth information about my loan history or my payments with XXXX XXXX XXXX. The next lady that supposedly was a manager was very rude and demanded I settle and if I could pay with a cc for the amount of {$10000.00} she would take the payment and the loan would be forgotten. I found it very weird all the misguided information they were giving me and she did not even want to email me information so I could take a look at it immediately. She kept demanding the payment and began to get frustrated with me because I wanted more information in regards to their company. She transferred me to a higher level manager : XXXX XXXX XXXX. He also tried to demand a payment but this time he tried to play it off by saying that if I gave a 10 % down I could settle for a lower payment but I needed to give them money as well. I asked him for more information about my loan and the company and why I had not been contacted in regards to such and all he could give me was the name of the company again and that I should have always been aware of my loans and that now all he is trying to do is collect a debt. I asked him again for more information about the company and if he could email it to me before making any sort of payment. I asked him if this debt collection was true, then I know I have the right to make payments at least and he said I could after I payed off immediately 10 % of the loan. This was a back and forth for almost an hour until he got frustrated and did not even want to take even a payment of {$50.00}. Before cutting me off then he did agree to take a payment of {$50.00} dollars as they take any sort of amount of payment. I requested proof of this payment towards my loan and receipt of such via email and it is not XXXX and I have not received any information but a hold on my debit card from XXXX XXXX XXXX After I finished my call with them, less then XXXX minutes after my co-signer phones me again to let me know that they called her again to demand {$8000.00} dollars now to settle the debt because I had the AUDACITY to only make a payment of {$50.00} and that it would take me almost 35 years to settle the debt. They kept demanding a pay-out, but this time being {$8000.00} without giving her any information as to why and of the company again. My co-signer is very scared of the way they approached her and the legitimacy of the company as they have her contact information. I also am very concerned of such and when trying to agree on a settlement they approached it by insulting me of not knowing my loan history and information. I paid {$50.00} to see if I could receive legitimate information from them and I am concerned now for personal information and consumer rights.
02/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98311	Web	Servicemember
XXXX : Being XXXX XXXX, I had to exercise one of my SCRA benefits, and terminate my cellular service contract early, due to XXXX to a location where my current service was not yet provided, as well as getting ready to XXXX XXXX XXXX XXXX, where you don't get cellular service, for 100+ days. I called XXXX, and explained the situation to the agent. The agent okayed my early contract termination, waived the termination fee, and provided me with my final amount due. I paid the final amount, and the agent verified I didn't owe anything further, and closed my account. XXXX : I get a letter in the mail from XXXX XXXX, letting me know they were attempting to collect a debt for XXXX, stating I owed them {$380.00}. Confused, I called XXXX and asked them why I owed them. The agent couldn't tell me because my " account was sold ''. I asked why XXXX never contacted me to let me know. They claim they did, but I was XXXX, so I wouldn't know. My wife saved all mail, unopened, addressed to me, with the exception of any utility/service bills that we shared that had to be opened to be paid, and none were from XXXX, but one was from XXXX XXXX. She never recalled seeing anything from XXXX. I then called XXXX XXXX and inquired about this supposed debt. All they would tell me was that it was regarding my XXXX Account, and that I owed {$380.00}, and needed to pay. I then informed XXXX that the debt was not valid, as I am XXXX XXXX, and had exercised my benefits under the SCRA, and I would be sending them a Debt Validation/Verification/Cease and Desist ( unless to validate/verify the debt, via letter ). I sent the letter via certified mail, and waited, and waited for verification/validation of that debt. Free yearly credit report time rolls around, and I hop on to each of the credit bureaus, and to my didmay, for the first time ever, there are negative remarks/reports. From XXXX XXXX. I open up a dispute with each bureau, stating that it had been over SIX months since I had sent a validation/verification letter, via certified mail, to XXXX XXXX, and I had yet to receive a response. I also mentioned that the original debt was not owed, as I was afforded benefits under the SCRA, which I exercised, and that the original creditor ( XXXX ) assured me that I was fully paid up when they closed my account. When I received replies from each credit bureau, they were all in agreement with me, and the negative remarks/reports were removed from each of my credit reports. XX/XX/XXXX : I receive a piece of mail from XXXX XXXX XXXX , XXXX. OH. MY. GOD! This company is attempting to collect a debt of {$380.00} for my " current creditor '', XXXX XXXX, who is trying to collect a debt for my " original creditor '', XXXX. I send a Debt Validation/Verification/Cease and Desist ( unless to validate/verify debt via LETTER ), notice of past Statute of Limitations, and also bring up the fact that I was XXXX XXXX at the time, and still am XXXX XXXX, and was, and am, exercising my SCRA benefits. XX/XX/XXXX : ARE YOU XXXX KIDDING ME?!! I receive a letter, this time from XXXX XXXX, XXXX, stating that I have a debt of {$380.00}, owed to my " current creditor '', XXXX XXXX. This letter also states that " XXXX XXXX can not sue you or report on your credit fot this debt. '' They go on to say that I have to notify them within 30 days that I dispute the validity of the debt, or they will assume it's valid. HOLD UP! So, I send XXXX the first debt validation letter, so THEY KNOW I am seeking validity/verification of the debt, but even after TEN YEARS, they have YET to send me any such letter. Even so, they SELL this debt to one company ( XXXX XXXX, XXXX ) ; I send another validation/verification letter to THAT company, and then XXXX SELLS THE DEBT AGAIN, this time to XXXX XXXX, XXXX? What the XXXX? So, I have yet ANOTHER validation/verification letter I have to send, via certified mail, AT MY COST. It will be sent today, Monday, XXXX, XXXX, XXXX. If it's NOT illegal to sell debtspast the SOL, it SHOULD be. If it's NOT illegal for a company to just keep reselling debt past the SOL, instead of sending validation/verification, when a LETTER REQUESTING IT HAS BEEN SENT, it SHOULD be. If it's NOT illegal to keep pursuing a debt past the SOL, even though you KNOW the debt is being disputed because it was acquired in a manner that violates any law or act, including the SCRA, it SHOULD be. Not only do I feel harrassed by XXXX XXXX, I hold a XXXX XXXX, and even though I can easily explain this DEBT I DO NOT OWE, it still looks unprofessional.
07/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 760XX	Web
AMERICAS BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages. I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are several posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX, XXXX. On each of these collection notices it specifically states that XXXX XXXX, XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX, XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year. On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers. The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature. XXXX XXXX, XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX, XXXX. This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections. COLLECTION AGENCY HAS NO SUBMITTED PROOP OF OWNERSHIP! A COPY OF THE XXXX v. XXXX XXXX XXXX XXXX IS ATTACHED! I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR! I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX, XXXX. TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37355	Web
What happened was as I went to my annual credit report I noticed I had a lot of hard inquiries which dropped my credit score tremendously. I have XXXX inquiries from XXXX XXXX here are the dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with this company I called them and they refused to remove them because they said they were accurate and I told them that I just noticed them on my report and have no idea where they came from and they said we are sorry but it says they are yours so there yours. XXXX XX/XX/XXXX I called them and they told me that this would be removed in 5 days and this was over a year ago and still on there. Next one is from XXXX/XXXX on XX/XX/XXXX I had others removed from my account from the XXXX company format and they were supposed to remove all of them and thus this one still remains and I dont no why.then on XX/XX/XXXX there were multiple inquiries on this day one XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. And I told these companies I dont even drive why do I need a auto loan I 'm on XXXX due to XXXX and a fear of road rage. And they told we are sorry for the incovence we will remove these inquiries from your credit asap and yet they still remain.XXXX/XXXX is I 'm assuming a loan company which I 've never heard of and they showed up on my report on XX/XX/XXXX I tried contacting them and they said they would look over it and return my call still no response. On the date of XX/XX/XXXX I noticed two of the same account from credit plus either a credit card or a loan company that ran my credit with out my knowledge they informed me we are sorry but we can not remove it until the time lapsed to full years. XXXX XXXX XX/XX/XXXX is not correct I applied to that company in XXXX for money for my kids XXXX and they desided again to run it in XX/XX/XXXX of the following year without my knowledge somehow. XXXX XXXX XXXX XX/XX/XXXX is a incorrect account since I used this company from XX/XX/XXXXuntil XXXX for college and I graduated and they said I applied for another school loan which is inaccurate. XXXX/XXXX on XX/XX/XXXXthis I 'm assuming was ran on my credit and XXXX two was ran from the XXXX credit card company on XX/XX/XXXX and XX/XX/XXXXwhich I called them and said these inquiries are incorrect I have a credit card through your company already why would I apply for the same credit card. And they told me sorry sir we will fix this as soon as we review that u indeed have a credit card through our companies which I indeed do have a store credit card through them and they still have not removed the info. Then from us bank I had a inquiries from XX/XX/XXXX and one on XX/XX/XXXX for the same thing a credit card which which at this time I already had a credit card which I only wanted to use to build my credit so I could establish enough good standings so I could purchase a descent home for me my wife and kids and yet all these inquiries kept popping up hurting my credit scores and pulling me under water along with another creditor but this time was a loan company that I already taken care of. And the company is called JH portfolio for a 4 year old account for XXXX dollars and they removed it from my account as closed and current back on in by another creditor as passed due and derogatory and opened. Then this year I went and got another loan from the same company called world finance and they gave me a loan so if I so didnt pay my debt why would they issue me another loan for more money and they said they ai n't sure what is going on. So I tried all I could do to support my family and I on my XXXX check and get a home and still these people keep dragging me down and running me in the ground. So as my last resort I am reaching out for help once again to get them to be removed and have them leave me and my family and credit alone. Thanks so much and XXXX bless.
04/08/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 94519	Web
-- On XXXX XXXX, 2016, I submitted a complaint through the Consumer Financial Protection Bureau online complaint submission form, which is quoted below : " Received multiple missed phone calls from Debt Collector, they did not leave voicemails. I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX. I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : XXXX Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX This may have been an understandable communication error or they may be calling on behalf of the debt collector JH Portfolio, but I am not entirely clear. Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX XXXX and XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX. As of now, my complaint is regarding the phone calls. '' -- On XXXX/XXXX/16 the following response from the Debt Collector was posted : " XXXX, XXXX place account on hold as dispute and ordered documentation to be sent to the consumer as a dispute. '' -- On XXXX/XXXX/16 I responded to their response : " My complaint is regarding the five phone calls made by the debt collector without leaving voicemails or providing identification, as previously stated. The company 's response does not reflect my complaint. I will be sending a demand letter to the company in regards to the Fair Debt Collection Practices Act violations pertaining to these calls. If they are unable to settle this matter I will file a suit in the appropriate court. As of this date, I have not received the letter from the debt collector informing me of the debt nor have I formally requested a validation of the debt. I will still be expecting the initial letter. '' The same day I mailed XXXX an informational demand letter for their violations to try and settle the matter outside of court. -- On an unknown date on the case the following was posted : " Response disputed XXXX said : Explanation of closure Ordered validation documentation and place account on hold with no more calls. '' As of this date, XXXX/XXXX/16, I have not received a letter in the mail informing me that they are collecting a debt and my rights to dispute this debt. The company has also not responded to my letter dated XXXX/XXXX/2016. I called XXXX XXXX XXXX today to confirm ourr mailing address and they were correct. They assured me that XXXX was facilitating payment for JH Portfolio and that their customer had pulled the collection from them in response to a dispute, however I had not yet disputed the information. XXXX/XXXX/16 - XXXX updated my credit report with collection
08/25/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07450	Web
This complaint is based on violations of the Fair Debt Collections Practices Act and Fair Credit Reporting Act by JH Portfolio Debt Equities , LLC ( JH Portfolio ). On XXXX XXXX, XXXX, I received a collection letter from Credit Control, LLC, hereafter ( Credit Control ), a collection agency hired by JH Portfolio. On XXXX XXXX, XXXX, I submitted a certified mail dispute letter to Credit Control, and requested for a validation of alleged debt. ( U.S. Postal Service Certified Mail receipt number XXXX XXXX XXXX XXXX XXXX ). Neither Credit Control nor JH Portfolio validated the alleged debt. Further, JH Portfolio failed to report to credit bureaus that the debt is disputed, and continued to attempt to collect the disputed debt by using the credit reporting system as a means to do so. Since that time, I received multiple denials of credit and unfavorable terms with my creditors which resulted in lowering my credit scores. On XXXX XXXX, XXXX, I sent JH Portfolio a second certified mail dispute letter and, again requested for validation of the alleged debt. My second dispute was received on XXXX XXXX, XXXX via U.S. Postal Service Certified Mail receipt number XXXX XXXX XXXX XXXX XXXX. As part of letter, I included the same dispute form / questionnaire created by the Consumer Financial Protection Bureau. In my letter, I advised JH Portfolio that in order to enforce my consumer rights under the FCRA ( in addition to the FDCPA ), I would also dispute the account thru the consumer reporting agencies. On XXXX XXXX, XXXX, instead of validating the debt, JH Portfolio hired a new collection agency, at this time, XXXX XXXX XXXX that is attempting to collect the disputed debt on behalf of JH Portfolio. On XXXX XXXX, XXXX, I disputed the account thru the consumer reporting agencies. On XXXX XXXX, XXXX, I received notification from the consumer reporting agencies that JH Portfolio had falsely verified the disputed debt which had not been validated. I have exhausted every mechanism under both the FDCPA and FCRA for JH Portfolio to validate the alleged debt where if it was unable to do so, to remove the account from my credit reports. JH Portfolios conduct has been so careless, reckless, malicious, abusive, false, and constitutes unfair practices that includes, but is not limited to, the following : ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they verified a debt that was disputed but not validated which is the failure to cease collection of a debt. ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation with insufficient records to rely upon. ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to delete inaccurate information or information that can not be verified. ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they failed to delete unsubstantiated information which is the false representation of the character, amount, or legal status of the debt. ( e ) Violation of the FDCPA 15 USC 1692e ( 5 ) in that they are attempting to collect a disputed debt which is the threat to take action that can not legally be taken. ( f ) Violation of the FDCPA 15 USC 1692e ( 8 ) in that they communicated information which is known or which should be known to be false, ( g ) Violation of the FCRA 15 USC 1681s-2 ( a ) ( 5 ) in that they failed to mark the disputed account as disputed, and ( h ) That the foregoing actions constitute a false or deceptive means to collect or attempt to collect a debt, in violation of the FDCPA 15 USC 1692e ( 10 ).
11/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
In the summer of XXXX I had my wallet as well as other documents stolen. In XXXX of that year that information was used by the thief to then commit identity theft. Multiple credit cards were opened and used under my name with the companies XXXX XXXX ( ~ {$3500.00} ), XXXX XXXX ( ~ {$3200.00} ), and XXXX XXXX ( {$670.00} ). After working with all three companies during the fall of XXXX, XXXX XXXX and XXXX XXXX both had their respective accounts closed in XXXX of XXXX, but to this date XXXX XXXX still has not closed out the amount. My credit report shows what appears to be two accounts with XXXX XXXX that were both opened on XX/XX/XXXX. On XX/XX/XXXX the account with {$0.00} was closed with a designation of being " Lost or stolen '' ( the verbiage changes slightly between the 3 credit bureaus ), but the account that actually holds a balance of {$670.00}, was never closed. In XXXX of this year ( XXXX ) I received a letter from Credit Control LLC stating that this XXXX XXXX account was being placed in collections. I promptly contacted XXXX XXXX to have it resolved and they told me they would begin an investigation. On XX/XX/XXXX of this year ( XXXX ) ( and after 2 follow up calls with XXXX XXXX over the summer to receive updates ) I was told that their fraud department had just opened an investigation on XX/XX/XXXX. After finding out in XXXX that XXXX XXXX had sent the account back to Credit Control LLC to be collected, I filed another FTC Identity Theft Report on XX/XX/XXXX ( as my original one from XXXX was no longer active ), so that I could have a better record to prove the legitimacy of my claim. Then on XX/XX/XXXX I mailed the FTC Report, an FTC letter, a copy of my XXXX credit report, and a police report from The XXXX XXXX University Police Department, to XXXX XXXX XXXX Credit Department. Letters were also sent to each credit bureau and Credit Control LLC on XX/XX/XXXX. On XX/XX/XXXX and XXXX I received two more letters from Credit Control LLC about the account being sent to them for collection. As of today ( XX/XX/XXXX ) I am still working with Credit Control LLC to keep this account listed as disputed. As for XXXX XXXX, I have contacted their costumer support group numerous times over the past 6 months with very little in the way of help on the matter. The only useful information I ever get from the phone representative is the XXXX XXXX Fraud Department 's number. I have tried calling that number 4-5 different times, on different dates, and no one answers. The XXXX XXXX Fraud Department has never once, since the Fall of XXXX until now, attempted to contact me about this account or the identity theft that occurred during any of their " investigations ''. Even after sending them the FTC and police reports over 6 weeks ago, I have still not received so much as a phone call and/or voicemail to try and work with me to resolve this matter. I would also note that both XXXX XXXX and XXXX XXXX have their credit cards serviced by XXXX, and somehow the XXXX XXXX account was closed due to fraud, but the XXXX XXXX account that was opened on the exact same day ( XX/XX/XXXX ), under the exact same circumstances, is being unjustly held against me.
04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78212	Web
I had a XXXX and the XXXX XXXX representative sold me an online advertising renewal on XXXX XXXX, 2013. She also had me sign an annual renewal on our print advertising that was NOT due to renew for 6 months, but she found it convenient to go ahead and have me sign both at the same time. Please see Attachment pages XXXX, in which I signed in XXXX for the contract which should have been signed in XXXX ( for print ads to start in XXXX of same year ). The XXXX was sold in XXXX 2013, and the new owners decided to not renew the print advertising contract. I have attached an excerpt of the sales contract, " Schedules '', which has the XXXX shown as a contract that will transfer to the new owners. I have attached an email from me to the XXXX agent XXXX XXXX, in which I am trying to verify when the contract would renew and inform her that the business has been sold. She did not respond. Apparently, because I had signed in the distant past, XXXX to print the advertising in their new book. I had many phone calls with the XXXX XXXX XXXX rep assigned to the case, but whenever I called in response to another collection notice, the answering agent seemed to have no access to the last phone call discussion and we had to start all over again. Unfortunately, since most of this occurred over phone I have no written proof. XXXX the pre-mature contract renewal came to light, and after multiple discussions, XXXX admitted that the billing problem all happened because of the early signing, which was not their usual way of operating and probably done solely out of convenience to the sales person. They admitted that they should have verified the contract before printing the XXXX XXXX. XXXX agreed this was their wrong and said they would not hold me or the new business owners responsible for that contract. NOW, about a year later, I get a letter from a collection agency ( which turns out to be XXXX but does not use their name ) trying to collect {$1300.00}. I again called to fill them in that this is not my business anymore, and that XXXX has agreed that they do not have a valid contract, and that they probably just failed to do good record keeping. I was transferred to XXXX XXXX, who was rather aggressive, and that the account was in " pre-legal '' and that if I did n't pay I could just go to court to settle it. I was trying to explain to her the circumstances of the sale of the business, and she said the debt was in my name and it was mine and I was gong to have to pay it. When I asked for information regarding who would be the appropriate governing body to which I would file a complaint about inappropriate collection efforts, she said there was none. I rephrased that I would like the contact information for someone to which I could file a complaint, and she insisted there was no regulation of commercial collection accounts, but I was welcome to XXXX it. I feel this can not be true.
09/27/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30082	Web
First .... I couldn't go past the last section without stating a reason but my reason wasn't included in the list. Thus my explanation. I realize I have a debt with XXXXXXXX XXXX. I realize that debt has been sold to or is being administered by JH Portfolio Debt Equities , LLC. I've called XXXXXXXX XXXX to see who it is that I PAY to settle this collection account and they refer me to JH Portfolio Debt Equities. My complaint is with JH Portfolio Debt Equities. I've called the number provided on a letter from them in response to my request to pay the debt several times. I get NO return phone calls. I don't want to enter their XXXX program where you buy certain items from XXXX and other businesses and a percentage of your expenditures are applied to your debt, I want to pay off my debt. I've called on XX/XX/2018 at XXXX EST where I was machine directed to leave a voice message. I did so, stating that I wanted to pay off my debt directly. No return phone call. I called back on XX/XX/2018 at XXXX EST left the same message and to date, with the writing of this complaint, haven't heard from the company. I then went to the website on XX/XX/2018 and filled out their web contact form. below is a series of e-mail responses between myself and an XXXX where I have again asked how do I pay off the debt and still haven't been given an answer. 1. XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to me, clientservices Good Morning, Please give our office a call between XXXX - XXXX CST Monday - Friday at XXXX to discuss any account you may have with us in further detail. Our client services department will be happy to assist you. 2. XXXX XXXX XX/XX/2018, XXXX XXXX I've called several times and was only able to leave messages, and no one has returned my calls 3. XXXX XXXX XX/XX/2018, XXXX XXXX Please provide a telephone number for us to reach you at to discuss any account you may have with us in further detail. Our client services department will be happy to assist you. 4. XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX 5. to XXXX With all the back and forth, why can't you just supply a link where I can pay. I received a phone call ( I am an hour ahead of you ) at just the moment when I was indisposed and they left a call back number to the same number where I've left 3 messages already. This is really simple. I want to pay you ... I need a link online whereby I can pay, or an address whereby I can mail and get a receipt .... why can't you just supply me with the needed link to pay?!?!?! After the last email, I've heard nothing, no return phone call, no link to pay, no mechanism to pay and so this debt still lingers when I've done all I can to pay. The JH Portfolio company says they don't accept payments, so I've been hesitant to mail a money order to their address in XXXX, MO. How best should I proceed in my attempts to pay XXXX?
01/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt of XXXX XXXX with a balance of XXXX, acct. # XXXX with Credit Control LLC, acct. # XXXX listed is not deleted immediately from your file and my credit report. I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. To my knowledge, I never done business with your company and I have no legal binding contract. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. Now that you have violated the FCRA because I have no contract with XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Credit Control XXXX XXXX with a balance of XXXX is not deleted immediately from your file and my credit report. This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I hereby request that you provide a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). Again, do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law within this letter date. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
08/07/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 90746	Web	Servicemember
J.H. Portfolio debt collection practices on my credit and have been placed for collections. I contacted the XXXX major Credit bureaus, and J.H. Portfolio with an ID Theft Report proving to them that I was the victim of Identity Theft. I was overseas in XXXX when the account was opened. I have not received any financial gain from the above accounts. Portfolio validated the debt as mine, yet they did not provide any documentation legally linking me to the accounts. The problem with their validation is : 1. The accounts are linked to an address that I have never resided at. 2. The number one way companies validate an account is through a signature neither of the entities above have done so. 3. My information along with others in his XXXX XXXX had been stolen J.H. Portfoliois very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts I request that you contact them demanding they validate these accounts. If they can not according to the FCRA, a block and or deletion of the accounts must take effect. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. In the meantime J.H. Portfolio must cease and desist all debt collection practices. In the event J.H. Portfolio or the bureaus makes the " work-shy '' claim that the request for the block according to 605b was made in error they must properly and due diligently validated the accounts.
12/06/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53140	Web
My identity was stolen in XXXX XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. XXXX is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to JH Portfolio Debt Equities. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from XXXX. This letter was sent in XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I receive a letter from JH Portfolio Debt Equities stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a XXXX statement dated XXXX/XXXX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
04/13/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 272XX	Web	Servicemember
On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.
03/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77064	Web
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is JH Portfolio Debt Equities.The original creditor is XXXX. I researched XXXX XXXX and every single review said they were a scam. Both XXXX XXXX and JH Portfolio say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from JH Portfolio ( current debt owner ) and they told me they have to get the proof first. I have called XXXX 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that JH Portfolio Debt Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. XXXX has no records of this account so where is JH Portfolio going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with XXXX only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and JH Portfolio has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to Credit Control LLC even though the account is being disputed. Credit Control 's phone number is ( XXXX ) XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor XXXX have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
03/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 087XX	Web
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
10/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90025	Web
I settled a debt with a company called JH Portfolio Debt Equities on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX updated it correctly and quickly ( because it is a proper company ) ... XXXX did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). I called XXXX and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( JH ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from JH on my report and any mistake on their end is not my problem. XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. Thank you.
07/24/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 115XX	Web
I was going thru a divorce, in which this cc was growing in debt, due to my wife at the time. In which she claims ashe is n't and wo n't be responsible for any charges under my name. Most of the debt concurred was made thru my Acct but not me. Even while we were separated my credit cards were still being used due to having access to my cards. In some cases we had XXXX cards. This company had said to me over the phone. That they will no longer call me, and not harass me due to my divorce and all the money that was taken from me. Also the company had wished me the best in luck with my divorce. I just had no money at all to pay for gas and simple meals at that time. Resulting in 9 years of living almost homeless. The credit card company sided with me and dropped this matter. I finally got some room to live again and now all of a sudden the account has been reopened after 2011. I had financed a truck last year my only big purchase in which my mother pays off monthly. While I continue to pay 25 % of my pay check to my ex wife. Until my children reach XXXX years old. Approximately XXXX more years from now. So why come after a person who can barely eat. I needed a truck for work in once again I do n't pay for. My other vehicle has over XXXX miles. Please seize to try to collect from me. I 'm still trying just to get up and work for my children to have clothes, and everything else kids have now. I wish I had money to live but in all fairness. I 'm barely living. I try daily to make more money, by trying to help in side jobs, just so I can take my kids out to a movie or just to dinner. I have n't been in a situation like this my whole life. I worked for everything I owned. In the passing away of my father from XXXX XXXX, I lost my job and heard from now my ex wife, hat I 'm not a man for losing my job. And I better do something fast or this family is over. Plus she wanted a larger house. For years I 've tried to have a better paying job, but it did n't happen. The stress was so bad i had XXXX, and put on XXXX and XXXX XXXX. I have nothing left to say or can do. Please stick to our hard times agreement. Due to financial loss, and divorce.
12/11/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10552	Web
I, XXXX XXXX request for a full disclosure on ownership on a debt stated by XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
05/17/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NE XXXXX	Web
A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.
04/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89131	Web
On XX/XX/19, I received a call on my cell phone from a woman working for XXXX XXXX XXXX ( XXXX ) asking to speak to my husband. I asked the woman what the call was in reference to and she stated it was to collect a debt owed by my husband for a XXXX XXXX XXXX account. Knowing that my husband doesn't have an account with XXXX XXXX XXXX and that he had received a similar debt collector call the year before, I advised her that we had never received anything in writing regarding this alleged debt and I asked her to provide me with more information about the amount owed. She told me that she'd give me that information if I could provide her with my husband 's address and social security number which I refused to do and told her to never contact me again. After this phone call, I contacted my husband to explain what happened. He told me he had the same conversation with this agency a year ago and the person he spoke to admitted that not only do they not have our mailing address, but they also do not have his social security number. The person demanded that my husband give him this information over the phone before the person would provide him with the alleged amount owed. We checked my husband 's credit reports from the three bureaus and he does not have an account with XXXX XXXX XXXX and there are no late payments or any collection activities on any of his accounts. We have surmised that this debt collector is a scam. On top of this, ever since the agency contacted me, I have been receiving 7-8 telemarketing calls every day even though I am on the do not call registry. I sincerely believe that this agency has sold my contact information without my permission. I looked online and I believe that this collection agency was recently purchased by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX, NMLS # XXXX, XXXX, XXXX XXXX XXXX I do not have an account number associated with this debt, as none has been provided to me but the woman I spoke to was able to look up the account using my cellular phone number, XXXX.
11/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 326XX	Web	Servicemember
I have made several phone calls to JH Portfolio Debt Equities LLC as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to two alleged debts ( XXXX and XXXX XXXX from XXXX XXXX ). Neither XXXX XXXX nor JH Portfolio Debt Equities LLC have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, JH Portfolio Debt Equities LLC responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, JH Portfolio Debt Equities has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that JH Portfolio keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as JH Portfolio is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to JH Portfolio Debt Equites as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to JH Portfolio not being able to properly verify the account that I have sent to both JH Portfolio and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.
12/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. I submitted the above information to XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
03/11/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95138	Web
Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 3. Letter from XXXX XXXX XXXX XXXX collector. Thank you for your help. -XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
04/06/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11229	Web
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
10/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32746	Web
XXXX XXXX XXXX C/O XXXX XXXX XXXX Ref ID : XXXX Account # XXXX XXXX XXXX, XXXX C/O Credit Controll, LLC Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XXXX of 2019 for validation of an account discovered on my credit reports, with XXXX XXXX XXXX. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). On XX/XX/2019, I received 3 letters from XXXX XXXX XXXX. 2 letters came from XXXX XXXX - C/O XXXX XXXX XXXX and the XXXX came from XXXX XXXX - XXXX Credit Control , LLC. The first letter from XXXX XXXX - XXXX XXXX XXXX XXXX, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from XXXX XXXX - C/O XXXX XXXX XXXX, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from XXXX XXXX - C/O Credit Control, dated XX/XX/2019, stating that the account has been placed with Credit Control LLC. it also included offers to settle the account.
07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 274XX	Web
Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.
07/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
09/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34608	Web	Servicemember
I received a letter from a company called XXXX XXXX XXXX XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by JH Portfolio Debt Equities saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX XXXX. I was told there was no record. I have since learned from XXXX XXXX that JH Portfolio Debt Equities called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from JH Portfolio Debt Equities and confirmed this account had been settled. Now I receive additional mail from JH Portfolio Debt Equities informing that I still owe {$240.00}. That most recent correspondence from JH Portfolio was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a zero amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact JH Portfolio Debt Equities as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
05/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Web
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until XXXX XXXX , I was unaware of this creditor and upon finding out requested documentation through XXXX XXXX XXXX dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the XXXX XXXX XXXX ( XXXX ) com plaint ID # XXXX on XXXX XXXX XXXX to remove this debt based on not being given the opportunity to dispute the debt in question. JH Portfolio responded to my complaint on XXXX XXXX XXXX that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on XXXX XXXX XXXX , however, I was unable to open the PDF. Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on XXXX XXXX XXXX . I was told that Credit Control LLC is a third party collector for JH Portfolio therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX , and XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the XXXX ( i. e. signature contract agreeing to pay XXXX they need to retract this from my credit file immediately.
05/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07017	Web
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until XXXX XXXX I was unaware of this creditor and upon finding out requested documentation through XXXX XXXX XXXX dispute. Upon not receiving the information requested, I contacted the JH Portfolio directly through the XXXX XXXX XXXX ( BBB ) complaint ID # XXXX on XXXX XXXX XXXX to remove this debt based on not being given the opportunity to dispute the debt in question. JH Portfolio res ponded to my complaint on XXXX XXXX XXXX that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on XXXX XXXX XXXX , however, I was unable to open the PDF. Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on XXXX XXXX XXXX . I was told that Credit Control LLC is a third party collector for XXXX Portfolio therefore they d o not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX , and XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the XXXX ( i.e. signature contract agreeing to pay ) they need to retract this from my credit file immediately.
01/31/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73003	Web
hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. we updated our new address for all C.C accounts including XXXX. here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. please let me know how to resolve this problem. thank you XXXX
05/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19047	Web
I consolidated my debt ( not bankruptcy but it was the closest choice ). At the time my bank was XXXX. I had a checking account, a savings account, a {$5000.00} line of credit and a credit card. I did not owe anything on the line of credit, which is on my credit report back in XX/XX/XXXX, whatever I owed was paid. In XX/XX/XXXX I consolidated all of my debt including the XXXX credit card ( {$7200.00} ), this card was settled in my consolidated debt for {$1800.00} Ever since I this was settled XX/XX/XXXX they have given this debt to collection agencies trying to collect on this settled debt. Even in the same year it was settled for {$1800.00} XX/XX/XXXX. So on my credit report it shows this same debt as a in collection/charge off in XX/XX/XXXX & XX/XX/XXXX. These collection agencies keep calling me trying to collect this settled debt that has been taken care of, its accruing interest. It is effecting my credit and my ability to purchase a house, they have turned the interest in to the IRS and {$1000.00} has been taken from my refund for 2 years in a row because of this bank. I have arrachedthe letter closing my line of credit with a {$0.00} balance with the business card the lady at the bank attached to the letter just in case there were questions, I have attached exhibit A, Schedule of Creditors Debt, I have attached the debt settlement letter from XXXX and I have attached a collection letter, I periodically receive letters but every day Im getting phone calls continuously trying to collect a debt that has been settled. I am seriously upset and I need your help please.
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80538	Web
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the 5 business day time frame of reporting the debt on XX/XX/2017. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 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. Sincerely, XXXX
09/12/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	PA 19018	Web
To whom it may concern : This is to let you know that I requested JH Portfolio Debt Equities LLC on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). The initial date of default on this debt XXXX original creditor : XXXX XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. JH Portfolio Debt Equities has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens XXXX of Pennsylvania. My ideal outcome would be : a ) proof from JH Portfolio Debt Equities that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. b XXXX confirmation from JH Portfolio Debt Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
10/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WV 26062	Web
For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.
02/09/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	GA 30043	Web
A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?
08/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 478XX	Web
This is in response to this company 's last response to my last complaint. I have went back and forth with this company for some time now about this debt. A BILL is not adequate validation for a debt, period. Yet, a BILL is all that this company can produce when they are asked to provide validation. This account should NOT be on my credit report without proper validation. I have offered to settle this unrecognized debt with this company a few different times and got no response. I will pay half of this unrecognized debt if this company agrees to remove it from my credit report in return, as I am only offering to do that in good favor of us both. I am unaware of this debt and have no validation it is mine. If this company can not produce a copy of my signature showing that I am bonded to some kind of contract with them, then this account should be deleted from my credit report immediately. This company will NOT be receiving any kind of payment from me if they do not agree to delete the account from my credit report in return, so they should consider selling it back to the original company, because I DO NOT OWE THIS COMPANY ANYTHING and I HAVE NO CONTRACT WITH THIS COMPANY. This is not an acknowledgement of liability or any kind of admittance for this debt in any way. JH Portfolio Debt Equities and I have been going back and forth on this issue for a while now and I am sure we can both agree that it would be nice to come to some kind of agreement. If not, then JH Portfolio Debt Equities needs to sell my debt back to the original company.
12/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SC 29412	Web	Older American
I sent a letter to XXXX XXXX. on XX/XX/XXXX to cease efforts to me on my default credit card due to my XXXX, telling them that I intended to file for Bankruptcy chapter XXXX. My XXXX is XXXX XXXX-XXXX, and a XXXX XXXX turned to XXXX. I fell into a XXXX XXXX and have not filed yet. Part of my XXXX XXXX XXXX XXXX was due to having been damaged by a XXXX during a XXXX XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX since this in XXXX of XXXX. Unfortunately, I opened the XXXX account when in an XXXX XXXX XXXX XXXX in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. On XX/XX/XXXX a company purchased my debt from XXXX and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX.. The company taking this action is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.
10/14/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76082	Web
I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!
06/12/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92532	Web
The collection compan y of JH Portfolio Debt Equities is " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b ) ( i ) respectively. The account is a XXXX credit card account that was reported and the " Date of First Delinquency '' as XXXX . The account then was sold on XXXX XXXX to JH Portfolio Debt Services and the the " Date of First Delinquency '' was changed to : XXXX to XXXX XXXX to XXXX XXXX to XXXX ( see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from XXXX bank ( see handover letter ). JH did not receive the account until XXXX XXXX , XXXX . Prior to that the " Date of First Delinquency '' was reported as XXXX ( see attached XXXX entry dated XXXX ) by the original creditor. The other XXXX credit reporting agencies did not report the account at all. They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as XXXX therefore the account should have been deleted in XXXX XXXX . I have tried to resolve this matter thru XXXX , XXXX , XXXX , XXXX , as well as The State Attorney General Office of California and now your office.
10/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80920	Web
There is a collection company called Credit Control LLC that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called XXXX XXXX XXXX. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.
04/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30088	Web	Older American
JH Portfolio Debt Equities showed up on my credit report claiming I owe them {$3500.00} on an acct opened XX/XX/XXXX. I do not know who they are. I have never signed a contract with them. I, as a XXXX senior citizen living on social security am signed up with XXXX, a nonprofit law firm that helps people like myself. I forwarded the information to XXXX and they sent a letter to JH Portfolio on XX/XX/XXXX telling them that I was poor, elderly and lived on exempt funds. In response, the next thing my caregiver noticed on my credit report was that JH Portfolio said I disputed the debt but it was verified according to FDCRA. What nonexistent dispute did they verify? Very untruthful people, I still don't know why they claim I owe them money. Anyone and everyone who contacts me about finances gets referred to XXXX, for years now. So, if JH Portfolio allegedly bought a financial transaction acct about me the information about my exempt social security status should have been in the paperwork. ( See attached paperwork from XXXX with notification to businesses to let folks know you can not squeeze blood from a turnip.Now they are threatening litigation which is only to exacerbate my health problems.and cause XXXX XXXX ( sp? ) I may be poor, elderly, XXXX and even uneducated, but I will not be a victim of their unethical behavior. I have voted in every presidential election for the last 40 years, and I know that as a United States senior citizen, I have protection under the laws of this great country.
06/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web
I have spoken with JH PORTFOLIO EQUI ( Collection company ) on many occasions. On XXXX/XXXX/16 I spoke with XXXX and told her that I wanted a copy of signed agreement between me and XXXX XXXX XXXX. She stated " she does n't know if she will be able to get that but she would try ''. I also mailed an dispute letter, and her department received this letter on XXXX/XXXX/2016 and I have included that dispute letter within this complaint. I have also included a copy of receipt. It clearly states what I 'm requesting. I called XXXX/XXXX/2016 to check the status and I was transferred to XXXX again, who now was extremely rude because I wanted to see if she has gotten a chance to look at my dispute letter and if she was able to get signed application from original creditor and me so I can review. she stated that she has n't heard anything from XXXX XXXX XXXX and does n't have that document nor copy of my license. I asked for her extention # or employee # and she refused to give it or her managers information. On XXXX/XXXX/2016 I received a basic validation letter but nothing that I requested. I was clear, I stated that I want this information removed from all credit reporting agencies. How can they validate this debt without having at minimum, a signed agreement between me and XXXX XXXX XXXX. Also, according to statement sent by JH PORTFOLIO from XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX but according to JH PORTFOLIO its XXXX XXXX XXXX XXXX. I have included supporting documentation.
09/26/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91364	Web
I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!
04/04/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TX 77573	Web
Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.
08/16/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WI 53090	Web
I am buying a home and on my credit bureaus there is a collection for a company named J.H. Portfolio Debt Equities, LLC. I called to clear up this matter and was told it was not being handled by them as they are a buyer of debt not a collection agency and they referred me to XXXX XXXX. XXXX XXXX states they are just a call center that distributes debt collection to various agencies and I needed to contact XXXX XXXX XXXX which I did and settled out this debt on XXXX XXXX, 2016 and was told it will be deleted once updated. I received a letter from XXXX showing it was paid and that there is a zero balance but apparently they do not report to the credit bureaus and they said I needed to contact the original creditor which is J.H. J.H. is being impossible to deal with and refuses to provide accurate information and states that they will not provide me a letter stating it has been settled in full. They are continuing to report this as open with a balance due. I have spent weeks attempting to resolve this and J.H. will not return any messages and told me that they are sorrily with how they are handling this. In the meantime I am losing the house we are trying to buy and my family is going to be homeless in less than 2 weeks. I have begged them to just give me a letter stating that they are not a collection agency and who the agency is because the bureaus will not accept a letter from XXXX because they are not the ones reporting on it.
07/31/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NJ 085XX	Web	Older American
In mid XXXX I received a letter from XXXX bank, a company I admit I owe money to, informing me the debt was transferred to JH Portfolio Debt Equities , LLC. JH has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for JH Portfolio and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.
10/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 191XX	Web
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, XXXX ( original creditor ) and JH Capital ( or JH Portfolio Debt Equities ; collection agency ). I currently have a {$6400.00} collection from JH Capital ( aka JH Portfolio Debt Equities ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the JH Capital tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and JH Capital to stop reporting this tradeline. I am also writing to require JH Capital to immediately stop reporting this tradeline.
04/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80110	Web
On XX/XX/XXXX, I used the dispute form on the XXXX website to request an early exclusion of two collection accounts ( for {$1800.00} and {$4500.00} ) from JH Portfolio Debt Equities that were already set to fall off my credit report on XX/XX/XXXX. The correct date of first delinquency ( DOFD ) on both accounts was XX/XX/XXXX. In response to my request, XXXX obtained verification from JH Portfolio. In this verification, JH Portfolio CHANGED my DOFD on both accounts to XX/XX/XXXX. XX/XX/XXXX is when both accounts were charged off from XXXX XXXX. There were six months of late payment delinquencies prior to the charge off. The initial 30 day late ( the first delinquency ) was XX/XX/XXXX. I completed another dispute with XXXX on both of these accounts on XX/XX/XXXX. I faxed XXXX a copy of my credit report from XX/XX/XXXX, which indicates the first delinquency in XX/XX/XXXX, leading up to the charge off in XX/XX/XXXX, as reported by XXXX XXXX ( the original creditor ). I further submitted a credit report from XX/XX/XXXX, which shows JH Portfolio reporting the correct DOFD before they falsely changed it. In response to this dispute, JH Portfolio told XXXX that the information they reported is 'verified '. They did not supply XXXX with any hard evidence or proof that the DOFD is what they claim it is. They are knowingly reporting false information to XXXX in order to re-age both of these accounts.
05/24/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 281XX	Web
Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.
05/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90057	Web
I file an affidavit with Federal Trade and Commission the reference number is XXXX, I also file a Police Report with all the list of the accounts involve with the Identity Theft. I am having a hard time in dealing with JH PORTFOLIO DEBT EQUITIES , LLC even thought the account was open back in 2008 but such account was hacked and I am not agree with Balances this account has that are not mine hackers make so much damage to anyone involve on this Identity theft issues I am Requesting Clearly to JF PORTFOLIO TO REMOVE/DELETE this account I am not responsible of what they are claiming to be mine. I hired XXXX to help me but JH PORTFOLIO continues reluctant ignoring the facts of what being a victim of identity theft means. I need your help to refer me with any other Government Agency to enforce what the law states about Consumers who are victims of Identity Theft. or may be you can help me. I am NOT agree at all with JH Portfolio with their procedures about how they review and deem this account to be validated, Confirming my Address and my Name, signatures, etc ... does n't mean I can not be immune to be a Victim of hackers utilizing my name to commit fraud/scam utilizing my name pretending I am the one who is doing whatever they are doing. This is the point that XXXX Portfolio do NOT understand and where I need help for someone to explain them what a Victim of Identity is about. Thanks.
04/02/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78665	Web	Older American
I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.
07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91030	Web	Older American, Servicemember
On XX/XX/XXXX got a msg to call XXXX. Called & person asked for XXXX. Tried to inform woman that 's not my legal or common name, only XXXX. She kept berating & yelling, finally claiming that I was rude & hung up on me. I called back and informed next woman that I had filed for ChXXXX XX/XX/XXXX and had no bad debts what so ever. She promised to take my # off their list. Rec 'd a call XXXX XXXX Sunday about XXXX then again at about XXXX. Informed woman that Collection agencies should not call on Sunday especially if I do n't owe them! Today XXXX XXXX got another call @ XXXX and woman ( LOL ) was reading me my XXXX XXXX over the phone. After informing her that I have no bad debts since BK XX/XX/XXXX, I kept repeating " Cease and desist '' to her because they have no right to harass me for someone else 's debts! The name of the agency given to me XX/XX/XXXX was Credit Control but today the " law enforcement '' sounding woman said she was with " something..XXXX XXXX '' I do n't remember the exact name. When I called back the phone # on XXXX XXXX, the woman on the line said the debt was for housing in XXXX. I think it is in California but I 'm not sure. The caller today tried to scare me by impersonating the actions of real law enforcement personnel. I have clean record but have watched countless detective shows on TV and so I know what the Miranda Rights are!
10/16/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97015	Web	Older American, Servicemember
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX JH Portfolio Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at JH Portfolio Collections. I let XXXX XXXX know that on XXXX/XXXX/XXXX XXXX charged off my accounts and closed it. XXXX reported the Charge Offs to all XXXX ( XXXX ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, XXXX sold the charged off account to JH Portfolio. I have never heard from JH Portfolio, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with JH Portfolio filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by XXXX and JH Portfolio, my credit score has gone down in the latrine. I want JH Portfolio & XXXX onslaught to my credit be STOPPED. Both XXXX and JH Portfolio should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX
10/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 183XX	Web
I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with XXXX XXXX. I do not dispute that I had a credit card with XXXX. What I find as a problem is that I never received notice from XXXX that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by XXXX to JH Portfolio Debt Equities , LLC. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. XXXX XXXX knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to XXXX XXXX and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 38305	Web	Servicemember
Jh portfolio debt I have a unverified account from Jh portfolio collection. I had previously disputed this account. I have never done business with agency. Pursuant to the fair debt collection practice act ( fdcpa ) I disputed the validity of the debt. I request that jh portfolio provide verification of the following : 1 ) the original application or contract. 2 ) any and all statements allegedly related to this debt. 3 ) any and all signed receipts 4 ) any and all canceled checks 5 ) original date of default and collection activity begin 6 ) whether you purchased the debt 7 ) the date ( s ) the debt allegedly accrued 8 ) an itemitzation of the costs, including an accounting for any additional interest, charges, or other fees placed on the account. I want to request jh portfolio debt cease and desist all further communcation activity and provide verification of purported debt. On XXXX XXXX jh portfolio also reported to XXXX credit reporting that I paid XXXX $ on said account. I would like documentation i.e. Voided check, debit card payment or printed receipt of said transaction. Misstating the consumer paid on this account may constitute a violation of fair debt collection practice act. The FDCPA prohibits the use of any false or deceptive or misleading representation in an attempt to collect a debt see U.S.C 1692e
06/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 40509	Web
Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account ( JH Portfolio Equities # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ). T he reason is because upon my first contact around XX/XX/2017 , I received wildly inaccurate information from their collector, XXXX XXXX XXXX . I was referred to as " XXXX XXXX '', who i am not, i was told my DOB was XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ). Since that time and for good reason, I was able to get XXXX to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from XXXX dated XX/XX/2017 stating such. On XX/XX/2017 JH Portfolio Equities u pdated their report to the credit agencies. My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on XX/XX/2017 ) and having no available 3rd party agency to process said payment or negotiations.
01/06/2018	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	TX 77081	Web
I have filled fraud on my social security number already and still none of the negative reports are off my report. I 'm looking at this report and it look like it belong to someone else. Some of it simply is n't mine and some is very old and should be off no matter how times it get sold to different collection agencies. For example : XXXX XXXX XXXX on page 11, I 've never heard of, and even from this report it should be off. XXXX XXXX XXXX is at 16 years old and should be off my report.XXXX XXXX # XXXX # XXXX # XXXX I know nothing about and is false, Never heard of XXXX XXXX # XXXX before and should not be on my report, Never heard of XXXX XXXX XXXX # XXXX, and should n't be on my report, have not had an account with XXXX XXXX # XXXX, which is reporting here under the name JH PORTFOLIO DEBT EQUITI. # XXXX XXXX of these things I do not know of and is fraud and should not be there. Some are too old to be there as well. XXXX XXXX XXXX XXXX XXXX # XXXX is false those are false balance owed. I am also requesting the inquiries be taken off my record as well, because I have not applied for credit of any kind from anyone to explain all these inquiries. I have filed identity fraud on my social security number, and had a fraud alert put on my credit. I am amazed at all the false reports on my credit report.
03/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10314	Web
Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.A.
11/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have no idea when Credit Control , LLC took over. I received no notice from the previous debt servicer that the loan had been sold to another debt service company. Months went by without communication from either company ( I cant for the life of me remember the name of the one prior ). When I finally received a notice from Credit Control , LLC it was an account statement that informed me I could now make payments on their website using my account number. When I called a very nice lady walked me through the process but to no avail. I made a mistake and got myself into debt when I was out of work. I spent too much money on a suit for a job interview that never netted me a job. Thats on me. However, in my opinion, its incumbent on the credit card companies and the debt service companies they sell to, to keep consumers - whether they have sterling credit or not so sterling credit - better informed. I may have just continued to send checks to a company that didnt have my debt, which was my fear when I couldnt log in to the website. I didnt, but you see the issue. My last communication with them was last week when we discovered my account number was invalid on the website. Ive called and emailed to ask at least for a letter showing chain of debt ownership and I have yet to get a response.
09/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
07/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web
On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
03/15/2018	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 070XX	Web
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30043	Web
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX companies, which consisted of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XXXX XXXX, XXXX. *Paid in Full Letters Provided* 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XXXX. *Paid in Letters Provided* 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XXXX XXXX, XXXX. *Paid in Letters Provided*
05/20/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX to resolve my complaint and the debt numerous times in the last several months. Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX via email, XXXX and even their main number. Please help.
04/18/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NC 280XX	Web
I received a letter from Credit Control LLC on XXXX claiming they are collecting a debt in the amount of {$460.00} from an account in my name from XXXX XXXX . I do not owe this, so I contacted Credit Control LLC immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on XX/XX/XXXX and filed a complaint about this issue. Credit Control LLC responded to me through online portal for CFPB on XX/XX/XXXX stating that they would stop all contact and collections until they had sent me validation. XXXX days have past I never received validity of this claim. However, Credit Control LLC has reported on my credit file under the name Credit Control LLC and also under the name XXXX XXXX XXXX as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a XXXX digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me XXXX with their claim. They claim an account number ending in XXXX is an account they own and are collecting from me, but after XXXX days has not given me any validation to this claim.
01/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AL 35126	Web
I recently disputed a collection account on all 3 CRA with JH Portfolio Debt Equities several times and the account continued to remain as debt owed. I also filed a prior complaint due to not accurately updating my information on my credit report as I am in a Chapter XXXX bankruptcy. The company responded with the date they purchased the debt and also uploaded 3 credit card statements that had nothing to do with when the validation of the debt took place. 2 out of 3 of the statements you uploaded are not my current mailing address. The response also stated I filed a dispute prior to JH being notified, I notified JH after seeking an alternate number. I spoke with a customer service representative and provided the necessary bankruptcy information and the company continued to respond to XXXX as debt owed. Pull your company recorded lines to verify you dropped the ball on this. I would also like for the company to provide accurate information on when and where letters were mailed and how they attempted to collect this debt. I never received any information from JH Portfolio to dispute. I am not seeking credit card statements, I am seeking information on when a validation letter was mailed and it must be verifiable.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
On XX/XX/XXXX, JH Portfolio collection appeared on my XXXX credit report for the first time. I have disputed with XXXX on XX/XX/XXXX and XX/XX/XXXX and informed this collection from JH Portfolio collection account was reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. JH Portfolio has also aged the account to XX/XX/XXXX on my file for a date prior than when it originally appeared on my credit file. The J/H Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
12/29/2016	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	MI 497XX	Web
My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that time.
07/31/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85323	Web	Servicemember
On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!
05/29/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	FL 33319	Web
This company XXXX XXXX has been calling friends and family even people not associated or related to me. XXXX of the girls spoke to my son about a debt I supposedly owe, telling him information about this so called debt, and that I will be taken to court, they can and will attach my XXXX payments and all means necessary to collect this. She said " we have her social security number and everything, we want this paid. We can offer a settlement and he explained that I am on XXXX and she said that does n't matter, they can and will attach payment from that. She even went so far as to ask him if he would make the settlement payment for me. I have just been released from the hospital two days ago after suffering a XXXX XXXX on Sunday XXXX XXXX, 2014. I am sure they are not permitted to disclose any information except to me, but they went into great detail with my son. He was at work at the time. They also contacted my ex-husbands wife on her cell phone while she was at work. I am hoping that you can stop this harassment before it gets more out of control, and the fact that they disclosed information to someone other than me, meaning my son is unacceptable. Thank you.
08/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94509	Web	Older American
This company keeps calling my phone, sometimes 5 or 6 times a day and usually does not leave any messages but they did one day telling me they want me to call them back immediately. I looked their number up on-line and found them to be a collection company in Missouri calling me in California. I called them and was on hold for " the next available representative '' and then was sent to an answering machine where I left a message, including my phone number, telling them I am a XXXX year old woman, with all my debts paid and I do not owe anyone anything and to stop calling me. They continue to call, hang up, and so I added them to my phone blocking system so their calls can not get through. I do however still see even though they can not get through to me, that they still call several times a day even after being told I do not owe anyone anything and to stop calling. If they do not stop, I will sue them in California for {$1100.00} per phone call which would now earn me well over $ 100.000.00+ with all the calls they are making after I asked them to stop! XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Web : XXXX
09/10/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77018	Web
On XX/XX/2018 I received a letter from JH Portfolio Debt Equities , LLC ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX standard found in XXXX v. XXXX, XXXX which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
02/12/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	LA 701XX	Web
On XX/XX/XXXX I received a letter in the mail from Credit Control , LLC and the letter stated I have an balance due of {$1000.00} from XXXX XXXX XXXX. I contacted the company and asked what type of debt is this and the representative stated this was an XXXX XXXX account and I explained that I do n't have an account with XXXX XXXX but the representative insisted on telling me yes I do have an account and they ca n't sue me because the age of the debt but they can arrest me if its not paid within 30 days from the date of the letter. He could n't tell me when and where it was open but all he kept saying was the amount that was due and when was the last payment on the account which the letter stated XX/XX/XXXX and charged off on XX/XX/XXXX. The representative explained that he will do any and everything to get this debt resolved by any means. I asked what was his full name and may I speak with a supervisor he told me he was the supervisor and there is no one above him that I can talk to. So I explained I will report their company to the XXXX and CFPB. The representative stated that wont help my situation and hung up the phone immediately.
10/30/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 333XX	Web
This company has continued to call me after I informed them I would not speak with them unless they sent me something in writing. I have not received anything in the mail from them. They continue to call my mobile phone, office phone and phone numbers belonging to my family members from two different outgoing numbers. Today, XX/XX/XXXX, I received a call at XXXX on my mobile from XXXX, again at XXXX from XXXX and then again at XXXX on my office line from XXXX. When I picked up the office line it was dead air and then a hangup. I answered the phone with my company name. The company has provided no information as to the status of the debt, they have just informed me that they will take legal action within a week if I fail to respond. They told them same thing to the other person they called in my family looking for me. Additionally, they informed me that they already placed derogatory information on my credit report. The callers refused to provide me with any information about who they were or what they were calling about unless I provided my full social security number. I did not and will not do that over the telephone.
06/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 274XX	Web
This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.
01/17/2019	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	NV 89406	Web
In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. Can you please help me here?
12/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WV 26062	Web
JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on XXXX/XXXX/XXXX.
05/13/2016	Yes	Credit card	Payoff process	OH 440XX	Web
A credit card I had with XXXX was sold to another creditor after I got behind. That creditor then had a collections company, called Credit Control , LLC, attempt to collect the debt. I entered into a settlement agreement with them, and paid on time as agreed, paying the settlement in full. After Credit Control took the money for the settlement, they told me the debt was recalled ( after the agreement was in place and they took the money ) by the owner. They did not notify me, and kept the money, and when contacting them, they did not state the mini Miranda as required by law, and hung up on me. So in summary, Credit Control did not honor the settlement agreement, which is in writing. They took the money that was paid on time, and completely in accordance with the agreement. They refuse to discuss it with me and adhere to the agreement. The agreement is in writing, and they cashed the payments sent in without ever notifying me they no longer had the debt. This is negatively affecting my credit, and may have even had an impact on my recent financing of a auto purchase.
12/06/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94602	Web	Older American, Servicemember
In XXXX XXXX, I began receiving numerous debt collection letters from XXXX XXXX XXXX for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent XXXX XXXX XXXX a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very stressed and anxious. Despite my letter telling XXXX XXXX XXXX to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
06/24/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 762XX	Web
Credit Control, LLC has no true number! On the top of this settlement offer. I tried multiple times on XX/XX/19 - XX/XX/19 - XX/XX/19. It clearly states office hours ( EST ) are Monday- Friday XXXX XXXX - XXXX XXXX XXXX - TTY XXXX. Did my own research and found a list of numbers. Today Monday XX/XX/19 I tried one of the numbers XXXX on the list and finally I got ahold of someone. The employee told me she's was needing my information on the letter that I received. Before she was able to give me anything I was just calling in to get a good fax number! Than I told her that she's going against all my rights. She than decides and said out loud That she dont have to hear this and disconnect our call. She was trying to be misleading and very rude. So I did call back and the next person I talked with gave it right to me XXXX and I did confirm again with the fax number. Never heard of this company.We have no clue who Credit Control are. We tried for over 10 days to talk with a real person on the phone. It don't hurt to be overly cautious these days.
10/30/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 18015	Web	Older American
XXXX Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by JH portfolio not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. I received calls 0n XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
04/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94539	Web
Attn : JH Portfolio : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
08/23/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	ND 584XX	Web
I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
12/12/2018	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	GA XXXXX	Web
JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I challenge the accuracy, reportability of this listing. There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
03/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60506	Web
In XXXX of 2014 I received several letters stating that a debt I had with XXXX went to collections. I have no accounts with XXXX so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called XXXX which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.
06/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/XXXX. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
11/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23321	Web	Servicemember
I received two notices for debt collection from Credit Control LLC dated XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On XX/XX/2019, I sent another letter by mail to address the second notice regarding a debt that I do not owe. To further ensure my documents are received, I have sent this disputes via fax today and will send again through mail, but this time, with XXXX signature confirmation. I am a disbursements veteran and I do not owe this debt and want the calls, letters and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
01/05/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AL 35126	Web
On XXXX XXXX, XXXX I filed for Chapter XXXX Bankruptcy case # XXXX. My attorney went over all the information listed on my credit report. I obtained all credit reports and disputed all tradelines as included in Chapter XXXX bankruptcy. I disputed this debt in early XXXX XXXX and again XXXX XXXX, XXXX. Both times the debt collector refused to change the status to included in bankruptcy. I called the number located on my credit report and could never reach customer service. The number listed on my credit report noone answers that number. It continues to ring. On XXXX XXXX, XXXX I XXXX searched and found an alternate number. I called and spoke with a representative. I explained my situation to her and she stated once they received the dispute they would take a look at it. Today, XXXX XXXX, XXXX I received the same results as before. I am not sure which credit card has hired this company as it is not listed on my credit report. I 've never received anything to validate the debt from this company.
03/21/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60030	Web
I was called by a representative of JH Port Debt ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from XXXX, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only XXXX years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with XXXX, he threatened to call my current employer and inform them that I owe a debt. In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
11/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33064	Web
I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.
06/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90810	Web
Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.
04/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 299XX	Web
This complaint is against the company " JH Portfolio Debt ''. Currently, they are reporting that I owe them a total of {$430.00} on my credit. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. They constantly call to harass me and my family demanding payment but I have no knowledge of why they even want this money from me. They have not provided me with any supporting documents to back up their claims. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. To facilitate the CFPB 's investigation, this is the account numbe r I fo und from a recent report : " XXXX ''. My report indicates that the account has an " open date '' of XXXX XXXX .
02/06/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 11236	Web
The Law Office XXXX XXXX XXXX XXXX " XXXX '' XXXX has been retained by XXXX XXXX XXXX XXXX " XXXX '' ) to assist him in a short sale of his property located at XXXX XXXX XXXX. XXXX XXXX granted a 2nd mortgage loan to XXXX on XXXX/XXXX/XXXX which loan was then taken over by FDIC and assigned to XXXX Bank in XXXX. XXXX Bank in turn assigned the loan for servicing to XXXX XXXX in XXXX. XXXX XXXX went out of business and Credit Control LLC took over their accounts. As per XXXX XXXX, a manager at Credit Control LLC, their records show that they have released the mortgage in XXXX but the records do not state who took over the servicing of the loan. Credit Control sent the right to service the loan to an unknown entity. XXXX XXXX has not received any correspondence since XXXX in regard to the servicing of the loan. Credit Control LLC never informed XXXX XXXX that it had taken over for XXXX nor did it inform XXXX XXXX who Credit Control sold/transferred the servicing rights to.
08/09/2016	Yes	Credit card	Other	GA 30094	Web
I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.
01/12/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70508	Web
The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.
05/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
This company is trying to collect {$850.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
09/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 460XX	Web	Servicemember
I called XXXXH Portfolio Debt XXXX XXXX XXXX XXXX XXXX MO XXXX at XXXX to find out what this debt was, they stated they could not find me in their system. That they didnt even know what the debt was and that they had no record of me having any account with their company. I was told that the debt would be removed and the collections would be removed from my credit report. They are still reporting that I " disagree '' with their findings, although I never recieved any notification of proving that the debt was mine or that I had an account with them anywhere. They could not find me by name or social security number. I disputed the debt and the only findings they returned was that I disagreed. They have never sent me official documents that I owe the debt, any bills, statements, proof that at any time I opened this account. When I call I'm told they can not find me in their system, however they continue to report to my credit that I am in collections.
10/04/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
Hello, There was a fraudulent account opened in my name by XXXXXXXX XXXX in XXXX. However XXXXXXXX XXXX removes the debt due to being fraudulently opened not by myself. Now the debt has returned on my credit report by a company that purchased ( A Debt Buyer ) the information by the name of : JH PORTFOLIO DEBT EQ XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Placed as a collection account totaling : {$5000.00} Replaced as opened on : XX/XX/XXXX I have contacted the company and it still remains on my credit and has caused me a great deal of pain and agony. I want this item to be removed from all bureaus or be forced to take legal actions. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
06/15/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC XXXXX	Web
I sent JH Portfolio several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $ 1000/violation plus damages. I have n't received any documents/statements or anything from JH Portfolio. When I sent certified letter I had correct address also when I called I updated my address. JH Portfolio is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to XXXX XXXX on XXXX XXXX , XXXX . I spoke to XXXX from JH Portfolio and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which XXXX XXXX said they sold to JH Portfolio ( see attached ). I 'm going to sue JH Portfolio and XXXX XXXX for violated the laws under FCRP/FDCPA!!!
07/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63368	Web
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a XXXX account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a XXXX account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the 7yr limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.
07/25/2019	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92780	Web
The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. When I asked for proof of the debt I was ignored and told to work harder and to speak better English. More importantly when my wife attempted to pay the debt there was not a XXXX version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.
03/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 446XX	Web
I received medical services from XXXX XXXX XXXX on XX/XX/XXXX of XXXX. Claim was submitted to my Insurance Company, XXXX XXXX XXXX. XXXX issued electronic payment on XX/XX/XXXX. Transaction ID : XXXX. This bill was paid 7 days after services were rendered. At some point in time last fall, I began receiving phone calls from an 888 number. I never answer the phone from such numbers if I don't recognize them. They have called me nearly every day since last fall. Tonight, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating that I had a debt of XXXX. I called their phone # and the representative gave me a " Client Services '' #. I called it and got a voice mail stating that the next available representative would call me. They never called. I called them back and left a second message. No call. I have contacted XXXX and they are sending me the EOB statement that verifies this transaction which shows the claim was paid in full.
11/10/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92620	Web
I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.
10/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10312	Web
I had an account with XXXX that was late and sent to a collection company by the name of XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, XXXX, MO XXXX. This account was hurting my credit report so I reached out to XXXX XXXX and requested that if I pay the account in full to have them send me a Pay for Delete letter to remove this account from my credit report. They told me I would have to contact XXXX for said letter. I spoke to XXXX and now they tell me I need to get that letter from the company I settled the debt with, which is XXXX XXXX. XXXX of these companies are lying and I believe it's XXXX XXXX because they purchased the debt and have rights to it which would give them the power to issue the deletion. I have receipt from them of the account paid in full and wish to have the account removed from my report immediately. The account was in my maiden name which is different from what is listed on my credit report.
11/25/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10705	Web
After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
09/23/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MA 019XX	Web	Older American, Servicemember
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
02/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91350	Web
I am being contacted by Credit Control, LLC., XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX in their attempt to collect a debt for said XXXX XXXX rendered by the original creditor XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, for services that were never provided to me at any time. I have already had to dispute this matter with XXXX other previous debt collection companies as well as to have their negative reporting to my credit report removed and I have on every occasion proven to be exempt, and or at no-fault to these claims. I have written and sent via USPS Certified mail a letter to Credit Control , LLC the most recent collection company to AGAIN request they prove my legal liability for this debt. As it appears that this specific debt continues to be resold and purchased by separate debt collections company 's I would like to know how I can end this cycle and stop this fraudulent and unfounded debt collection nightmare?
02/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN XXXXX	Web
JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice.
03/23/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 92122	Web
I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 80538	Web
Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.
03/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 228XX	Web	Older American
For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.
11/10/2018	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	NJ 07601	Web
on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. XXXX XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX XXXX which does me no good. the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. XXXX XXXX XXXX whom i also reported consumer financial protection bureau
08/27/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33401	Web
Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.
08/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 01104	Web
I need the help of the Consumer Financial Protection Bureau, as Credit Control , LLC still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as XXXX XXXX. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with Credit Control , LLC and XXXX XXXX permanently. CEASE AND DESIST AND PURGE FILE!!!
09/22/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 627XX	Web
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with XXXX
07/27/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 335XX	Web	Servicemember
Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''
04/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76018	Web
In XXXX XXXX , I sent JH Portfolio Debt Equities , LLC a letter to validate the debt that was being reported on my credit report, including original date account went delinquent and to send me all documents that they had in the file used to verify the accuracy of the account. I asked for a complete verification including, agreement with the client that granted authority to collect this alleged debt, date the alleged debt became payable, verification that the debt was sold to this collector and complete accounting of alleged debt. I did however, receive a letter dated XXXX XXXX , XXXX from the company, not verifying any of the information, but acknowledging the dispute. The collection agency as seems to be re-aging the debt. My credit report reflects the company reporting the collection as opened in XXXX with no original delinquency date.
12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 930XX	Web	Older American
XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 54914	Web
I am filing this complaint in hopes that your CFPB can assist me in resolving an unfair business dispute between my company and XXXX. We had salesman contact us from XXXX and offer us an attractivesolution to our advertising needs. However as it turned it was n't. First and foremost their salesman flat out lied to me and when hewas questioned about it, he told us we could get out of the contract for {$300.00} I cancelled within 3 days and theirsalesman kept putting me off with excuses and promises. The product is inferior and misrepresented. XXXX did n't let out of thecontract until 3 months later and now they say I owe them {$2900.00}. They keep putting off the customer until the bill is racked up enough for them to make money. Also the salesman that signed us up no longer works there which is who made the offer to begin with. Please help.
10/01/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 92620	Web
I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!
05/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 20136	Web	Servicemember
I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.
11/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
05/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 740XX	Web
JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several XXXX e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing. Additionally, complaint XXXX was filed on XXXX XXXX XXXX against JH Portfolio. The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on XXXX XXXX XXXX , and XXXX days have now passed without any type of debt validation.
12/03/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 23321	Web	Servicemember
I have repeatedly requested information/ VALIDATION on this alleged debt, bearing my signature and/ or any contractual agreement. To date I have yet to receive ANY communication from this company. I first found out about this alleged debt, when I pulled my credit report on XX/XX/2016. All of these acts are a violation of the FDCPA and the FCRA. Failed to validate-FCRA section 609, Reported a debt to Credit Agencies, inaccurately ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ), failed to report a debt disputed as a collector-FDCPA Section 807 ( 8 ), did not validate the debt and reported it to the Credit Bureaus-FDCPA section 809 ( b ). These are just a few of the violations. I have never done any business with JH Portfolio Debt Equities, never signed a contract, nor do I owe them any money.
04/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL XXXXX	Web	Older American, Servicemember
On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks!
08/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	HI 967XX	Web
I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money back
04/09/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95945	Web
Credit Control , LLC initiated an illegal and unauthorized inquiry upon my credit report. I have never done business with Credit Control , LLC and have never authorized them to access my credit report - let alone give them any personal information. The erroneous request occurred on XX/XX/2017 by CREDIT CONTROL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX. I am asking Credit Control , LLC verify why they conducted this inquiry, provide authorization ( if any ) showing why they were allowed to access my personal information, and provide me with their records concerning any debts, account openings, or financial transactions that gave them a legitimate business reason to, as required by the FCPA, to access my credit report. Finally, please immediately remove the inquiry and provide the requested documents ( if any ).
07/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 765XX	Web
J H Portfolio Debt Equities purchased a debt in XX/XX/XXXX that originated in XX/XX/XXXX from XXXX XXXX . I have asked them for validation of this account since XX/XX/XXXX via certified mail thru USPS. I did not receive anything from them until I filed a complaint with CFPB. They only have 31 days by law as per FCRA and the FDCPA. They did not meet this deadline and therefore the reporting to the Credit Reporting Agencies MUST BE DELETED. Another factor to be considered is the fact the JH Portfolio is re-ageing this account or " parking it so it will stay on my credit report indefinitely, by selling it to another debt buying agency. The fact of the matter is J H Portfolio did not respond in a timely manner according to the federal laws and must be deleted from all credit reporting agencies.
06/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10954	Web
I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
05/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 451XX	Web
Portfolio marked my last complaint as a duplicate which it was not and if they mark this the same it It's still a printable complaint which can not be removed from the database.Portfolio is sueing me for an account which is the result of identity theft.they say because there were payments made on the account that that's their proof and I will be liable for all attorney fees.this is a violation of my identity theft laws to which jhportfolio is in violation of the rules.i never had this card this is identity theft.the thief took out multiple cards and payed on them and then defaulted.other companies have removed thier fraudulent accounts.portfolio says my counterclaim is made out of retaliation, which it is not.it is to make them accountable for thier harrassment of a fraud victim and I will prove this.
07/19/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33782	Web
On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts
05/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78023	Web
XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. XXXX hides under the name XXXX XXXX they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for XXXX XXXX XXXX.
12/12/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91335	Web
Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.
10/03/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 640XX	Web
about 6 months ago I was put on social security XXXX for advancing XXXX . I have been contacted by Credit Control LLC in XXXX MO ( their client is resurgent who I have never received anything from ) and I explained to them in writing my health issue and my income is much lower, they want me to send them social security information, and medical information, XXXX home info, I am willing to send them my XXXX payment statement ( I will not put my social security number on it though ) And I will not send them medical, my doctor said he would write a message to them, but he does not want to be contacted by them. Nor do I want him contacted to verify anything more this is my private health info and I do not want them contacting Social Security to verify. Is this legal what they are doing?
07/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web	Older American
XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.
08/17/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 37167	Web
I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, JH Portfolio does. So she suggested I call back later to see if I could get someone to help me. I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.
05/06/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92672	Web
I am being robo-call harassed daily by a collection company called XXXX XXXX XXXX. They are calling in an attempt to collect on old ( zombie ) debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them to leave me alone and stop contacting me and that they do not have my permission to call my phone or contact me by any other means. I have ask them to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocalls. I would like to sue XXXX XXXX XXXX in a court of law for the maximum {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.
10/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NE 68144	Web
hello! I have two credit cards that have gone into collections, one is a XXXX XXXXXXXX XXXX Card that has XXXX dollars that i owe, the other one is a XXXX XXXXXXXX XXXX Card that has XXXX. both of these cards were opened by a family member has opened and i was unaware and now I am receiving calls saying that i owe money on them, I have been in contact with that family member who refused ever opening the cards and i talked with the companies about helping me get them either opened again so i can own them and make payments on them or just take the negative remark off of my credit to which they can not help at all. I have tried to make a settlement with them and they still will not help. my name is XXXX XXXX my social is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
11/27/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21742	Web	Servicemember
JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
10/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38017	Web	Servicemember
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX XXXX XXXX or the current creditor of XXXX XXXX XXXX ; nor do either of these creditors appear on my credit reports. It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that XXXX XXXX XXXX provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.
02/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 37921	Web
On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.
11/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
08/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22206	Web	Servicemember
I never opened an account with XXXX or Credit Control. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called Credit Control , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to Credit Control to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.
04/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33712	Web
On XX/XX/XXXX I received a collection from Credit Control which brought I debt from XXXX XXXX XXXX XXXX who brought the debt from XXXX XXXX XXXX. XXXX XXXX is the originator of this fraudulent credit card which I have went to court in XX/XX/XXXX and received a dismissal on. This account is fraudulent and supposed to be closed out however it keeps on being sold. This is illegal. I have attached my report that I received from Portfolio that proves this. This is a XXXX XXXX account that been determined as fraud. I am a victim of identity theft and this needs to be removed immediately. The original balance was stated at being XXXX however with fees is showing of {$560.00}. I did a police report in XXXX when all this started happening.
05/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 106XX	Web
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.
01/11/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 061XX	Web
The agent had offered on XXXX XXXX to do a settlement payment. I asked for it in writing so I can have documentation of the offer, and was told that was not possible. On the XXXX, I had informed the agent that I was working during the day and would like to have a number to call to settle the debt, the agent then began behaving irrationally and used some profanity, stated I was trying to avoid payment, where I then explained I am working so I can pay my debt. I requested to no longer receive calls. The company calls 3 to 4 times per day ( often not leaving a message ). Yesterday they called at XXXX ( left message ), at XXXX ( left message of them talking to other people ), at XXXX ( no message ), and at XXXX ( no message ).
09/28/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 33156	Web	Older American
JH PORTFOLIO DEBT EQUITI Account Number : XXXX ... .... This information was found on my credit report from XXXX. The company above never contacted me.This is a collection company that reported a collection for a debt that started in XX/XX/XXXX on my credit report to XXXX. I have no knowledge of this debt. I have never used the credit mentioned in XX/XX/XXXX. I have only XXXX major credit card that I have been using since XX/XX/XXXX and I am in good standing. I do not know this company and I was never contacted by this company in writing to validate the debt which is not even listed to any of my credit report. I knew about this, because I have a company that monitors my credit and alerted me about this issue. Please help.
07/06/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33162	Web
I have sent a letter to the debt buyer named JH Portfolio XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN XXXX XXXX BUT NEVER RESPONDES AS OF TODAY XXXX / XXXX / 17 ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON XXXX BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED
10/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21215	Web	Servicemember
On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
11/25/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 946XX	Web
I received a letter from Credit Control , LLC regarding an alleged credit card debt owed that they wanted me to pay. I replied with a letter I sent to to Credit Control , LLC asking them to please document and verify the alleged debt. The letter I sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law.Credit Control, LLC response to my request was to send me a document which they said was an account summary. I never received verification of this alleged debt. Would you please investigate this? Disbuting the debt.
03/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75056	Web
On XX/XX/2019 a letter was sent to me from XXXX XXXX XXXX regarding a debt that is owed to XXXX XXXX/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX XXXX through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX Platinum credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
08/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94122	Web
XX/XX/XXXX - a new tradeline appeared on all 3 credit bureau reports, and listed as collection account. I have not previously heard from this company, nor did I receive any written correspondence. I immediately sent a letter to them to validate the debt but have not received back any validation. I also disputed with the credit bureaus and the dispute came back verified. They placed a name that I have never used on my credit report and I had to dispute that too, as it's not my legal name. Tradeline lists as JH Porfolio Debt Equiti and lists a contact info at XXXX XXXX XXXX XXXX, which is false information. This is in direct violation of Fair Debt Collections Practices Act ( FDCPA ).
11/13/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33313	Web	Servicemember
My name is XXXX XXXX. My fiance ' shares the same last name ( XXXX ) with my neighbor. " Credit Control LLC '' ( formerly known as " XXXX XXXX XXXX XXXX '' ) has been repeatedly calling our household asking for this neighbor. Yesterday ( XX/XX/XXXX ), they called again, and for the first time, I answered the phone to clear up the misunderstanding. The representative thanked me, and then hung up. Today, ( XX/XX/XXXX ), one day later, they called again. I answered, but this time asked for their mailing address. They promptly hung up the phone. Can you please tell me what my options are at this point, to end these daily phone calls. Thank you in advance for your help Sincerely, XXXX XXXX
04/25/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NM 88203	Web
JH Portfolio contracted with XXXX XXXX XXXX to collect a credit card debt which I owed. I complied and paid the full amount. When I reached out to XXXX XXXX XXXX, they stated that the account got sold to XXXX XXXX XXXX. XXXX XXXX XXXX states that XXXX XXXX XXXX, is not reporting that my debt has been paid in full. The balance was originally at {$1700.00} according to XXXX XXXX XXXX and is now showing a balance in the amount of {$470.00} on my credit report. XXXX XXXX said they would take care of it and they have not responded to me for several days. I am getting the run around from all three companies especially XXXX XXXX XXXX. I paid off my balance of this credit card in XXXX of 2019
07/11/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 20109	Web
I have paid this account in full, and have made multiple attempts to get a letter stating that I no longer have a balance on the account. They continuously make requests to send the letter, however I have not receive it. My lender also attempted to get a letter, because I need this letter in order to get a mortgage loan approved. I have exhausted all of my resources and they are not helping. I was originally told that I would receive a letter stating that I had paid the account in full, no later than 20 days. it is now over that time period and I have not received it. They are not sending the letter. I have asked to have it sent via e-mail as well as fax and neither has been sent.
12/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77304	Web
The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX. On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt. Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters. I don't know how to keep them from reaching out to me about a debt I do not owe.
04/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90033	Web
XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
02/01/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 79936	Web	Older American
The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.
01/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60062	Web
A message was left on my answering machine from " XXXX XXXX '' ( XXXX ). The message said they are a debt collection agency, and to call them. Why is it my responsibility to call a company that has inaccurate and sloppy information? How many times has the company contacted me, and in what manner? I owe no debts. I have not received correspondence stating that a debt is owed. I would like an explanation from the company explaining why they are harassing me. Additionally, who owes the debt they are calling about, what is the amount, and when was it incurred. Where did the company obtain my private telephone number that I have had for over twenty years.
12/11/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TN 38018	Web
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
04/28/2017	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	WI 54403	Web
An {$1100.00} debt that was charged off in XX/XX/XXXX t hrough XXXX XXXX , was purchased by JH Portfolio Debt Equities in XXXX , MO. JH Portfolio Debt Equities illegally re aged the account ( reporting as opened in XX/XX/XXXX ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and XXXX deleted the account due to the illegal re aging, however XXXX and XXXX did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.
02/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web	Servicemember
XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result of identity theft.
12/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95961	Web	Servicemember
On XX/XX/2018 I mailed a validation of debt to the alleged debt buyer, in the letter I made clear what information I needed from them, I also warned them that if they are reporting this debt to a credit bureau that they could be facing legal action, I also demanded that they only communicate with me through the mail system. They have violated my rights by flagging and reporting me to the credit bureau, they continued to call as per proof. This company has a total disregard for my rights as a consumer and do so without repercussion. It is my position that since they failed to provide me anything to validate this debt then I do not owe them anything.
08/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92562	Web
In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. Included in the Bankruptcy from XXXX was XXXX account ending in XXXX Credit Control LLC & XXXX has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via XXXX mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.
02/09/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 96001	Web
I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.
02/12/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 179XX	Web	Servicemember
Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.
12/07/2017	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	MD 21244	Web
Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
05/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92071	Web
On XXXX I sent a written certified receipt lett er to JH Portfolio Debt Entity req uesting validation of this account showing my signature. They received this on XXXX XXXX , 2017 , I received no response as of today. On XXXX , I again sent a second written certified receipt letter to JH Portfolio Debt Entity re questing validation of this account showing my signature. I received no response as of XXXX . This account is now switched to closed account derogatory on some credit reports, without any validation from their end. It has been 45 days since they received my first correspondence. Amount : XXXX XXXX XXXX XXXX
01/30/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	DE 19709	Web
I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.
07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77535	Web
I have requested verification and validation of debt per my right under the FDCPA and this company refuses to provide this information to me. I also disputed this debt yet JH Portfolio debt Equities still reports this on my credit and has not marked as dispute which is a direct violation of the FDCPA. The last four of my ssn are XXXX and my date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I have contacted an attorney and I am aware I can seek actual and statutory damages against your company. Your also a debt buyer and i am under no legal contract to pay you. Can you also provide a bill of sale?
06/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78610	Web
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
12/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60643	Web
i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.
07/17/2016	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33647	Web
J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.
04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 754XX	Web
This company which I hold no contract with, nor have received services from, reported a collection account against my SSN in the amount of {$370.00}. I sent a certified letter asking for validation with a signed contract, and received no response. I filed a complaint with the CFPB on XX/XX/XXXX. JH portfolio responded on XX/XX/XXXX. However, they still did not show adequate proof of validation. They sent me a bill. According to FCRA that is not proper validation. Proper validation, I requested was a signed contract. Considering this business has not provided proper validation, Im not obligated to pay the alleged debt.
09/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 333XX	Web	Older American
Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. I have detailed records available for review.
09/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30168	Web
JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11434	Web
JH PORTFOLIO DEBT EQUITIES COLLECTIONS- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX/XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX- AMOUNT- {$430.00} DATE OPENED OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX/XXXX RETAIL- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED -XX/XX/XXXX XXXX/XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX/XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
05/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78610	Web
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
05/15/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 117XX	Web	Servicemember
JH PORTFOLIO DEBT EQUITIES , LLC et al. are continuing to report unverified, inaccurate, invalid, derogatory, and defamatory information about me. As a result, XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, for JH PORTFOLIO DEBT EQUITIES , LLC, received three NOTICES OF DISPUTE AND DEMAND FOR VALIDATION and have ignored and/or otherwise have not provided validation or answer. XXXX XXXX XXXX XXXX, dba, Chief Executive Officer, and JH PORTFOLIO DEBT EQUITIES , LLC have not provided a consumer contract bearing my signature, nor has the collection agency answered any of demands in my disputes letters.
09/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85298	Web
The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
05/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
On XX/XX/XXXX JH Portfolio Debt received a certified letter disputing a debt for {$380.00} and asking for validation by signed contract. No response was received from JH Portfolio Debt. Another certified letter was sent and signed for on XX/XX/XXXX asking the unverified debt to be removed from my credit file since they have not complied with both federal and state reporting laws. This unlawful reporting of a debt by JH Portfolio is damaging and harming my credit report. I will continue to file complaints and pursue legal action against JH Portfolio if they continue to breach FCRA/FDCPA laws.
07/25/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 33139	Web	Older American
JH Portfolio Debt Equity has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that XX/XX/XXXX. When JH Portfolio Debt Equity was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company
02/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 218XX	Web
On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?
05/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
I have been trying to work with XXXX XXXX XXXX to help me with this account they have sent into collections over 10 times with different companies trying to collect an amount that I DO NOT OWE them as a result of giving that debt to a different company without my consent to the point of being harassed via communications and phone calls I have reached to XXXX XXXX XXXX multiple times and they do not want to work this out as they no longer have access to the debt that i am being harassed. I have tried to contact them via letter to help and remove if offered payment and no response
09/22/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48081	Web
On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.
09/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11385	Web
I received a letter from Credit Control LLC for a debt and account with center point issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). This account is not mine and I have idea what this is. I was a victim of identity theft back in XX/XX/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC to close this right away please. I have sent Credit Control LLC a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
02/05/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 108XX	Web
XXXX uses deceptive and abusive business practices. Made Phone calls to my work. Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
02/02/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32960	Web
XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.
04/06/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	ID 83705	Web
Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. I want these calls to stop occurring right now.
07/06/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX XXXXX	Web
Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.
02/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	MO 64052	Web	Older American
Credit Control LLC Is trying to collect a debt past the statue of limitation that is 15 year old I live in CA which is 4year Moved to MO XXXX there in MO is 6 year Just got a mail from there want XXXX on a card that was what the bal. is the bank is close I think ( XXXX Bank in XXXX ) then sold to XXXX bank then was sold to XXXX They can not try to collect past the statue of limitation that old I have letter that it was charge off XXXX please help they have reported as XXXX XXXX XXXX this should have been moved I check my credit report and it still there
05/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 40229	Web
I settled a credit card debt with XXXX XXXX XXXX who sold it to Credit Control, llc under the name XXXX XXXX XXXX & i disputed 7 times the status Failure to pay with XXXX & XXXX & they continue to say it's valid even w/ copy of ck {$270.00} pd XX/XX/18, it dropped my score & updated as a Open acct which is also incorrect! The company refuses to fix it saying its XXXX XXXX fault. Call XXXX XXXX they say its XXXX XXXX fault either way how is it failed to pay w/ letter of payment in Full?? They promised to update as paid per verbal Recorded statement.
11/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
I was contacted several times within the last 2 months from some XXXX person about i won so much money my XXXX this call was similar I also spoke with XXXX XXXX and XXXX XXXX who was very rude while I was trying to collect information about this bogus account XXXX XXXX even referred to me as a female quite a few times they ca n't inform me the number to the place they claim I own I also asked them to produce something I signed saying I would pay them here is the information I did obtain hope this helps Credit control llc XXXX $ XXXX XXXX XXXX
09/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22206	Web
JH PORTFOLIO DEBT EQ, XXXX XXXX XXXX XXXX XXXX XXXX, MO-XXXX ( XXXX ) XXXX Is reporting an account that has not been validated. I 've sent a few letters and can not get them cooperate with me. I have even offered to pay a lower amount for the sake of saving time and to ease the troubles of all parties involved. Since this company is unwilling to cooperate and can not prove that I legally owe this alleged debt to their collection company, I am requesting formal relief and that they quit reporting erroneous information to credit agencies.
07/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 94519	Web
On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit bureau.
03/31/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 904XX	Web
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.
12/13/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32303	Web
JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.
03/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19136	Web
This account was paid off in the form of a settlement. I'm still receiving bills from the collection company. This account was settled in the beginning of last year in the amount of {$750.00}. They have me in collection in the amount of {$1000.00}. This account has been closed and paid off. I tried to resolved this issue on my own but their customer service is rude and unprofessional. I'm getting frustrated because they act like they do not understand their customer. They tried to scream at me for something I already paid.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA XXXXX	Web
I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.
03/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 403XX	Web
I have contacted JH port debt in the past. I accomplished nothing. I do no t even know why they say I owe them. Bc if I had, they would've been on my past bankruptcy, in XXXX, XXXX. I know for a fact this company changed the dates for their convenience too. It annoys me bc I'm trying super hard to get my credit score up good enough to buy this house I live in. From my mom. But everything affects your score. I just am trying to do better. I don't need this company in my credit score. I really am desperate for help. Thanks
07/18/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70815	Web
I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections 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 a mailing address, but a request for validation in pursuant to the above named title and section.
02/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78665	Web	Older American, Servicemember
Company involved continues to report a debt which i do not owe ; they have repeatedly ( XXXX times on XXXX, once on XXXX ) reported a debt of {$1800.00}. I have never had any dealing whatsoever with this company, they have never, ever contacted me either by phone or letter. I have had the same address and phone number for seven years. I have written to them to ask them to remove the major derogatory reports, but they ignore my requests.As a result of this my credit rating has been reduced by some XXXX points.
03/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AK 999XX	Web	Servicemember
After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. Amount : {$1100.00} Reference XXXX
03/23/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33322	Web	Older American
XXXX XXXX , XXXX collection agency keeps calling me and sent me a letter regarding an account that I do not have with them. I requested them to provide me the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not receive this information.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33426	Web
JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging report.
05/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33015	Web
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA
03/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
I have one derogatory mark on my credit from XX/XX/2015 for {$240.00} from XXXX XXXX XXXX that I have never owed or had anything to do with and shouldnt be on my credit there is no number or any information for me to contact them and every time I try and dispute it it ask for a account number which I dont have because theres no way for me to contact them Im needing help to get it off my credit. XXXX XXXX : JH Portfolio Debt EQ this is all it has listed no number to contact no address no nothing.
05/16/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92562	Web
On XX/XX/2019 I sent a letter ( attached ) to credit control via USPS certifeid mail, which was received by them revoking consent to be contacted by telephone. Despite sending my revocation of consent to be contacted by telephone Credit Control LLC contacted me on my cell phone on XX/XX/2019 and on XX/XX/2019. This is a violation of the Fair Debt Collections Practices Act and is total harassment. I am requesting that Credit Control have their counsel contact my counsel to resolve the matter.
04/21/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
JH Portfolio i s attempting to collect a debt on behalf of XXXX XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on XX/XX/2017 asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
04/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
I sent a letter requesting validation and verification of debt XXXX XXXX and received no response from the company at all. Disputed the account with all XXXX bureaus and requested method of verification and the response they gave was that they verified the account. I still have not heard from the company at all and this is XXXX. They are still reporting the account and the bureaus are not correcting the problem. The company has greatly surpassed their allotted time to validate the account.
05/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 190XX	Web
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND XXXX XXXX, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY JH PORTFOLIO IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.
06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web
i HAVE SENT THREE CERTIFIED LETTERS TO THIS COMPANY DISPUTING THIS AND I HAVE RECEIVED NO REPLY. I HAVE ASKED FOR VALIDATION OF THIS DEBT BEARING MY SIGNATURE PER CERTIFIED MAIL STILL NO REPLY THEY HAVE NOT MARKED MY ACCOUNT AS DISPUTED WITH ONE OF THE CREDIT BUREAUS AND ITS BEEN WELL PAST 30 DAYS THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND THE FAIR DEBT COLLECTIONS PRACTICING ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN 30 DAYS
08/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 941XX	Web
On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809
11/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web
On XX/XX/19 I tried to call the number provided on the letter I received from the company on XX/XX/19 and the recorded message says that the number is not in service. There is no other number to call only a website and a mailing address for payments. A letter confirming that I do not owe this money and submit any necessary confirmation to all 3 credit bureaus if necessary that I do not have any outstanding debt that was not discharged in chapter XXXX bankruptcy proceedings.
03/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22312	Web
This account was open, for my ex husband, he used my information without my consent. during the time was open I was living in another country, I knew about this only a few months ago, I called company provide my cell number because I was told they didn't know the agency with my case and they will call back. nothing happened!! how can they have this for such a long time hurting someone credit and they have no clue how agency is collecting this or where to contact them.
10/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30533	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.
05/09/2018	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	OH 44685	Web
I have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
04/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75069	Web
I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
03/06/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	OH 451XX	Web
Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from my credit report.
03/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
03/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
05/21/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 381XX	Web
The number has called my cell phone repeatedly and left very vague messages. Each message says " You have a message from XXXX XXXX XXXX. This is a call from a debt colletor. Please Call XXXX. Thank you. '' There is no information left as to what the debt is, who the call is for. Also, the number to call back is not the same number they are calling from. I do not have any outstanding debts. XXXX XXXX XXXX marks this as an Alert Call : Spam Risk
08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30044	Web
I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.
07/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30168	Web
JH Portfolio Debt Equity has reported an account # XXXX that is not mine to my credit report. I requested a debt validation over 60 days ago by mail with no response. I called also and still have not received documents concerning this debt. I disputed it with XXXX and XXXX and all said that JH Portfolio Debt Equity verified to them. I would like debt validation information to be provided to me or them to remove this negative information.
02/16/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 740XX	Web
JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.
09/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
JH Portfolio is reporting a debt after I have submitted my identity theft report and formal statement/dispute. I have taken the steps to correct this matter but have had no success with this collection agency. This is a violation of the FDCPA and FCRA. Ive been very patient and is now past upset that they continue to cause me damages for something I did not do. I don't know who used my information but I want this matter corrected ASAP
03/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95112	Web
JH PORTFOLIO DEBT EQUITI Account number XXXX .... Recent balance {$1700.00} as of XX/XX/2019- this is not my debt. XXXX XXXX stated they do not have any past due account in my name. This collection company is reporting erroneous collection on my credit and is aggressively attempting to collect debt for the creditor-XXXX XXXX whom I don't owe anything ... this is violation of f.c.r.a. and violation of fair collection practices act
07/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93065	Web
I had an account with XXXX XXXX , that was charged off in XX/XX/XXXX . JH bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX . This is the only negative on my credit report. They deny that this debt is also out of statute.
07/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 329XX	Web
Credit Control LLC Phone # XXXX Credit Control LLC has contact me 7 times trying to reach my grandfather and mother. I advised one that first call that I don't even live in the same state and could not help them. They continued to call me after I asked them to stop. Dates of contact were XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX
10/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL XXXXX	Web
I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.
06/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 454XX	Web
JH Portfolio is reporting an acct on my XXXX that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to JH Portfolio, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XX/XX/XXXX, {$3200.00}.
08/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19904	Web
I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.
07/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web
XXXX XXXX 2017 JH Portfolio sent a letter stating they verified an account. However, they did not provide evidence validating the debt as I previously requested.I asked for competent evidence that I have any legal obligation to pay them for said debt. They were not able to provide proof and I requested this false debt be removed from all credit bureau reports. The debt is still present on all credit reports.
08/21/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95363	Web
I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
10/29/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30512	Web	Older American, Servicemember
JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.
10/03/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 19013	Web
XXXX XXXX keeps trying to collect a debt that is past 7 years and trying deceptive tactics. Every time I get mail it's some new collection company trying to collect a debt not owed. I get a letter from XXXX XXXX XXXX on XX/XX/2018 and on XX/XX/2018 I get a letter from XXXX XXXX XXXX for the same debt. XXXX XXXX uses other companies as well as practices to reinstate a debt past the statue to collect on.
01/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32225	Web
I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.
06/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34221	Web	Older American
Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.
03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77327	Web	Older American
Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.
11/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA XXXXX	Web	Servicemember
JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.
12/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77014	Web
I just recieved a court document threatening me to appear in court over a debt that is not owed to JHPDE Finance 1 LLC. I have never had an account with them yet they still leave notices threatening to sue. This is the third letter within two months that has been left on my property. I DO NOT OWE NOR HAVE I HAD ANY DEALINGS WITH THIS COMPANY AND I WANT THE THREATENING AND HARRASMENT TO STOP.
03/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH XXXXX	Web
XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into my account
10/11/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 028XX	Web
Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.
01/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45503	Web	Servicemember
Im attempting to communicate with JH PORTFOLIO DEBT EQUITIS. I have checked my credit report and there is an report of a debt owed for the balance of {$1600.00} the account is roughly 10 years old. I have attempted to call, dispute the credit debt, and mail a verification validation letter. I sent a validation letter in the middle of XX/XX/2018 and have not received any response.
05/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web
XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by XXXX. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this XXXX account to be removed from my credit file immediately.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web	Servicemember
Was sent a letter on XX/XX/2019 by Credit Control LLC, stating that I owed this debt with XXXX XXXX XXXX , XXXX. This is at least the second company XXXX has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with XXXX. Everytime I dispute it they just transfer it to another company to harass me.
01/03/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35758	Web
I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( XXXX ) XXXX and my cell # ( XXXX ) XXXX all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016.
02/05/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29841	Web
I have never applied for any credit card. I do not have any credits to my name. This do not belong to me at all. I have this on my credit and I do not understand why. I have been asking for proof that this is my debt. I have have n't received anything on this matter. I need this removed from my credit it 's making my credit look bad and I do n't even own a credit card at all.
02/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. Beware of : JH portfolio debt equities. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
01/22/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95363	Web
This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.
08/29/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20715	Web	Servicemember
I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.
10/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33703	Web
The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is XXXX.
01/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19018	Web
I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
08/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37421	Web
I have a debt that was originally with XXXX, but it is now with JH Portfolio Debt Equities. I have tried to call this company every day for a week, and no one ever answers the phone. I left my phone number on their voicemail, but I havent received a call back. I know the debt is valid, but I am having trouble paying on it since I cant reach the collector
05/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75237	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
04/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60008	Web
Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. Our local police department suggested we file a police complaint.
06/15/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I Received a collection letter from this collection agency dated XXXX / XXXX / XXXX . I replied to them in writing on XXXX / XXXX / XXXX . I told them on my letter that the account was not mine and I asked to provide me with a copy of the signed credit application. As of this date, they have not sent me any documents related to that debt.
05/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OH 45431	Web	Servicemember
This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.
06/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37363	Web
While checking my credit report I discovered a collection account from an unknown collector. I have received no phone call from this agency nor any written communication regarding this debt. This company is reporting a debt to the major credit bureaus and thay have not contacted me nor have I been given the right to dispute this unknown debt.
12/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 775XX	Web
The collection agency XXXX XXXX XXXX XXXX collection account does not have the right to collect if they are not licensed In your state. I reside in Texas and research through the Debt Collector Search the named collection agency office is licensed in XXXX, MO XXXX furthermore, i would like the collection to be removed from my credit report.
02/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 95949	Web	Older American
The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. The phone call are non-stop everyday. I need help
07/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 740XX	Web
JH Portfolio Debt Eq is trying to collect a debt of {$1100.00} this was included in a chapter XXXX bankruptcy in the State of Oklahoma XXXX District case # XXXX. They are reporting this debt to all 2 credit bureaus showing as an open account and the past due balance is due now. They are now calling me and harrasing me over the debt.
02/21/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.
04/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75067	Web
I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
08/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 17110	Web
I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.
06/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60025	Web
I have con tacted JH Portfolio Debt Equities LLC by mail, letter sent XXXX / XXXX / 17 , and they received it on XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.
12/14/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MA 01821	Web
A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. The credit card had a {$2000.00} limit. This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. This was a NO-INTEREST credit card, now they are charging me interest.
11/17/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30274	Web
J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.
12/04/2018	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	NY 11731	Web	Servicemember
XXXX XXXX XXXX Account XXXX and JH PORTFOLIO DEBT EQUITIES Account XXXX ARE UNVERIFIED. XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
06/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76020	Web
I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.
08/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48105	Web
I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.
07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94587	Web	Older American
i call XXXX telephone directory service cancel my advertizing from the directory they didnot cancel my add they try collect it i told them on phone and writen notice but now they hire collection agency to collect name is credit control llc. XXXX XXXX XXXX XXXX, MO XXXX and phone # XXXX account # XXXX
02/24/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	MN 55433	Web	Servicemember
I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this
10/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85303	Web
I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.
02/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07726	Web
I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since 2016 but still JH portfolio Debt equities LLC Account XXXX still send me a letter for collection
09/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75024	Web
I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.
01/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80401	Web
This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.
10/11/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
On three occasion from XXXX XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXXXXXX XXXX refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.
02/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20707	Web
I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with them
04/28/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75225	Web
Falsely reporting to XXXX, and XXXX debt opened XXXX XXXX, 2014. This is not accurate. Please provide copy of written agreement that created this alleged original requirement to pay. I demand this debt collector stop all debt collection and stop falsely reporting to credit bureaus.
11/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web
I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit report.
02/24/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77095	Web	Servicemember
This company keeps calling my residence asking to speak to XXXX XXXX. I have informed them on multiple locations that they have the wrong number and to not call my residence again. They still continue to call. I do not know a XXXX XXXX and she does not live at this residence.
05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 221XX	Web	Servicemember
On XX/XX/19 i settled a debt with JH Portfolio Debt Equities for {$630.00} and on XX/XX/19 i settled a debt for {$1200.00} with the same company JH Portfolio Debt Equities. I received a letter stating that both accounts had a {$0.00} balance and that it was paid in full.
02/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01930	Web
Keep getting calls from Credit control llc about debt collection. I do not owe any money and all my accounts I do have are paid on time every month. I am thinking these calls are for the person who previously had my number. I want the calls to stop. This is harassment!
09/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
01/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01040	Web
I checked my credit report when the XXXX breach happened. XXXX gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.
05/04/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 91335	Web
Reported debt that has not been validated or verified to the credit bureaus. Ignored the timely sent request to validate debt, continued calling after written request to cease all but written communications, and reported the unvalidated debt to all credit agencies.
02/01/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 270XX	Web
This number calls all times of the day. I answer and they go into this script that I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I've tried to tell them I do not know anything about this debt and to remove it.
01/23/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33629	Web
The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.
06/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33068	Web
I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
03/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AK XXXXX	Web
Call asking for XXXX XXXX. Calls to a phone number NOT associated with XXXX XXXX. Calls to the phone number NOT associated with any debt for MORE THAN 365 days. Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.
11/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AZ 852XX	Web	Older American
Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!
03/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37076	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
09/28/2017	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	MO 65202	Web	Servicemember
I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
02/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43040	Web
I am not sure what this is from, the company has not contacted me but refuse to update my credit report. The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.
03/07/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	PA 190XX	Web
jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not
12/16/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NV 89123	Web
Everyday at work I keep getting calls from this collection company. My job does n't allow for a creditor to call my work place. I plan on suing the company if I get ton of calls. This causes me to lose money at work and is embarrassing in general.
06/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web
This debt does not belong to me. The collection agency J H Portfolio told me that this item has been removed from my credit report But, XXXX says they have not. I would like them to provide proof that this item has been deleted from my file.
03/27/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 361XX	Web
I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.
04/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75092	Web
The debt is a collection agency claiming they have a debt from XXXX. This is not true and I have disputed this multiple times with the collection agency and the bureaus. This is directly affecting my ability to get approved for a mortgage.
09/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web	Servicemember
RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF XXXX XXXX XXXX FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 346XX	Web
There is a company that reported a recent collection on my credit file which I do not have any collections in 2014. I disputed and requested validation and nothing. Re aging an old debt I thought was against the law? Please help
01/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 062XX	Web	Older American
I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.
06/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33619	Web
this account is on my credit. i have contacted this company and they can not supply any signed agreement holding me responsible for this debt. i was also advised by supervisor that statue of limitation on that debt was 2015.
05/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 770XX	Web
JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. Please assist. Thanks XXXX
02/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 95148	Web
I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them
08/18/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 136XX	Web	Older American
I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.
07/18/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 21220	Web	Older American
I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.
06/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92373	Web
On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.
01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web
I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive a response.
03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29360	Web
I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.
08/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60620	Web
notice, consumer report was pulled while I have a suit in litigation against credit control. call the number listed in the report no one answers the phone and left message to call me back but no one called back.
06/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91311	Web
I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. Then For this debt is not valid.
04/19/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 144XX	Web
JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/19/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IA 52404	Web
Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..
11/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08648	Web
My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	XXXXX	Web
company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge
03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 751XX	Web	Older American
I receive a debt collection letter. by mail that are unknown. XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..
08/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web
JH Portfolio Debt Equities , LLC mailed a justice court citation for debt collection for XXXX XXXX account ending in XXXX. my wife does not have this account. they have been calling my wife and harassing.
08/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02302	Web
JH Portfolio Debt Equities for amount of {$2100.00}. I have filed a report for fraud and JH Portfolio Debt Equities is still harassing me by reporting this fraudulent account to XXXX credit report agency
05/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40475	Web
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between JH portfolio an d myself.
06/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91311	Web
It looks Credit Control LLC has my name on its system as possible debtor I 'm attaching the letter I received from this debt collector. I 'm disputing the whole amount on it says on its letter.
08/17/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 40291	Web
Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX collection agency jh portfolio debt equities
01/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27804	Web
Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent
03/29/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76180	Web	Servicemember
I have tried multiple times to rectify the debt which in the state of Texas has to have a bond in order to collect anything which they do not have making what they are doing illegal
01/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web
On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.
09/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TN 37086	Web
This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.
11/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48035	Web
This debt does not belong to me and the debt collector is continually harassing me for money for a nearly 8 year old debt. I just want this to stop. I am not paying them anything.
01/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 293XX	Web
The debt was removed due to Identity theft with XXXX XXXX. XXXX XXXX sold the debt to JH Portfolio Debt Equi. My social security number was stolen when I was homeless and XXXX.
02/12/2017	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	PR 00612	Web
I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks
04/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60201	Web
Called multiple times and not one return call. Bankruptcy was discharged and they have refused to comply with removing from credit report. NOTHING -NO ACTION NO RESPONSE
04/13/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 339XX	Web	Older American, Servicemember
XXXX XXXX does not know JH Portfolio Debt Equities. This is fraudlent account. My documents were stolen in 2009. This dates back to when my documents were stolen.
12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me
01/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10954	Web
I wrote J H Portfolio and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.
08/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95363	Web
I have tried contacting this company several times and I am not getting a response. They are reporting to credit agencies but I do not know what this is.
03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 346XX	Web
There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me
07/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 657XX	Web	Servicemember
Jh portfolio is reporting inaccurate information to credit bureau I 've disputed this info and they refuse to correct it or remove from credit reports
04/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75217	Web
The account is fraud. it has been removed from all other credit bureaus and the collection agency failed to validate the debt in timely fashion ...
05/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85298	Web
I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.
02/19/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO 80220	Web
I am being sent to collections for XXXX for a purchase I never made and a credit card was takin out apparently in my name with out my permission.
09/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76134	Web
This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.
10/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35023	Web	Servicemember
This company has a collection history on my credit report. I have never heard of the company and the account does not belong to me.
03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 754XX	Web
Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. Company has not responded.
02/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91311	Web
I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.
01/28/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TN 38305	Web
Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact me.
02/13/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 44137	Web
Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.
09/25/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48237	Web
Showing on report as late when account was never issued to me in writing or given permission to report
09/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92308	Web	Older American
Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.
06/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29210	Web
These items on my credit report is inaccurate and is not mine and also not validated.
02/25/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CT 06010	Web
I know i paid on the card when i had it and i believe the amount owed is wrong.
12/02/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NH 033XX	Web
Again did not recieve letter with rights to validate debt. Violates the FDCPA.
04/01/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33572	Web
debt was discharged when home was foreclosed on over 8 years ago
03/28/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 90501	Web
Call to my office that I have not provide the number to them
04/23/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	MI 48167	Web
I was fooled into signing a Confession of Judgement.
12/16/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 32218	Web
I did n't open a loan in XXXX of 2015 at XXXX XXXX
05/26/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	ME 04210	Web
Company admitted to calling me 191 times.
05/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 115XX	Web
I am a victim of identity theft.
11/06/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77072	Web
Non stop threatening phone calls
02/24/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92880	Web
account was reopen on XX/XX/XXXX
11/09/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30005	Web
They call me almost every day.
01/03/2024	No	Prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	MA 02131	Web

07/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 11102	Phone

08/14/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web

12/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35160	Web

12/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94621	Postal mail

12/03/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07701	Phone

11/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ME 04103	Web

11/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NJ 07087	Web	Servicemember

11/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 922XX	Web	Older American, Servicemember

11/22/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 17860	Web

11/20/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18103	Web

11/06/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90065	Web

11/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60649	Phone

10/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95834	Phone	Older American

10/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32819	Referral

09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20017	Web	Servicemember

09/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07111	Web

09/24/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 27405	Web

09/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19454	Web

09/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Referral

09/05/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WI 53590	Web

09/03/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22718	Web

09/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MN 55118	Web

08/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89119	Postal mail

08/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33615	Web

08/19/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89052	Web

08/15/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21769	Web	Servicemember

08/13/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 08536	Web

08/05/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27892	Phone

08/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Referral

08/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78745	Web

07/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32210	Web

07/18/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91744	Fax	Older American

07/17/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	NY 1203-	Referral

07/17/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	LA 70062	Referral

07/08/2019	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 Investigation took more than 30 days	IA 50023	Web

06/29/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33149	Postal mail

06/26/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MN 55122	Web

06/21/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 75904	Web

06/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29445	Phone	Older American

06/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37931	Postal mail

06/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32839	Postal mail

06/04/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84074	Phone

05/28/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	DE 19806	Web	Servicemember

05/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11694	Web

05/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64118	Web	Servicemember

05/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85295	Web

04/25/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76033	Web

04/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

04/24/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98632	Web

04/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19605	Web

04/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33301	Referral

04/20/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web

04/17/2019	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	IL 60411	Web

04/15/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40517	Web

04/14/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CO 80202	Web

04/06/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OK 73099	Web

04/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80501	Web

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20032	Referral

03/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84312	Web

03/28/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33149	Postal mail

03/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29621	Web

03/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78046	Web

03/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11367	Web

03/24/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 863XX	Web	Older American, Servicemember

03/21/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	VT 05676	Referral

03/19/2019	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	WI 54936	Web

03/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48026	Web

03/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NV 89052	Web

03/12/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19454	Web

03/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06461	Postal mail	Older American, Servicemember

03/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78046	Web

03/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90805	Web

02/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53714	Web

02/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44132	Web

02/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75214	Web

02/12/2019	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 Was not notified of investigation status or results	AZ 85251	Web

02/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10453	Postal mail

01/31/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35763	Web	Servicemember

01/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

12/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30022	Web

12/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08069	Web

12/17/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33461	Web

12/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77346	Referral

12/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10455	Referral

12/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55423	Postal mail

11/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10562	Phone

11/28/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

11/27/2018	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	FL 33029	Web

11/26/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	VA 24112	Web

11/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33125	Phone

11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91304	Web

11/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33993	Web

11/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07105	Fax

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

11/08/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 12122	Web

10/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

10/28/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11207	Web

10/25/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

10/24/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78664	Fax

10/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web

10/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70770	Web

10/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78840	Postal mail

10/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91016	Web

09/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 63801	Web

09/26/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NM 87109	Web

09/19/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11207	Web

09/14/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73069	Web

09/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Fax

09/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19027	Fax

09/05/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95363	Web

08/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 06762	Web

08/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37658	Referral

08/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NM 87109	Web

08/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web

08/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47805	Web

08/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29420	Web

08/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10014	Referral

07/26/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 10459	Referral

07/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85213	Web

07/11/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 10034	Web

07/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 49007	Web

06/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85213	Web

06/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94536	Web

06/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 47001	Web	Servicemember

06/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38242	Web

06/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	HI 96789	Web

05/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

05/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91606	Web

05/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49007	Web

05/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60538	Web

05/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91501	Referral

05/16/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78746	Referral

05/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33901	Postal mail

05/15/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Postal mail

04/26/2018	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	IL 62024	Web

04/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10457	Referral

04/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33015	Referral

04/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10950	Web

04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10457	Referral

04/04/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44710	Referral

03/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23513	Web	Servicemember

03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79065	Web

03/27/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	IN 46580	Web

03/27/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 79714	Web

03/22/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 66801	Web

03/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 44129	Web

03/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92253	Web	Servicemember

03/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11102	Web

03/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11590	Web

02/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91306	Web	Servicemember

02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 03051	Web

02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 18929	Postal mail

02/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19947	Web

02/06/2018	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	TN 38401	Web

02/05/2018	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	OH 44685	Fax	Servicemember

02/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60625	Postal mail

01/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33635	Web

01/29/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92124	Web

01/25/2018	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60651	Web

01/25/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web	Servicemember

01/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37228	Web

01/11/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33431	Web	Older American

01/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60651	Web

01/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77708	Web

01/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89521	Web

01/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30324	Web	Servicemember

01/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 35757	Web

12/30/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 43611	Web

12/27/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14227	Web	Servicemember

12/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18840	Web

12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

12/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08046	Web

12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20849	Phone

11/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web

11/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91324	Web

11/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Postal mail

11/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

11/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid		Referral

11/02/2017	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	TX 75009	Web

10/30/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Referral

10/30/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IL 61776	Web

10/29/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 10530	Web

10/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web

10/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web

10/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02019	Web	Older American

10/13/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95125	Web

10/13/2017	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	TX 75009	Web

10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12790	Postal mail

10/11/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62033	Web

10/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92211	Fax

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37363	Web

09/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78852	Web

09/26/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75103	Web

09/26/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95125	Web

09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91387	Web

09/23/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA 01202	Web

09/20/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63118	Web

09/12/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19012	Web

08/22/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 17921	Web	Servicemember

08/18/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30294	Web

08/03/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30114	Web

07/06/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06513	Postal mail

07/04/2017	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32092	Web

07/03/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 20785	Fax

06/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55044	Fax

06/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33322	Web

06/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 06037	Postal mail

06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 71119	Web

06/08/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	WA 98168	Postal mail	Servicemember

06/05/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NV 89052	Web

05/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web	Servicemember

05/22/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 36305	Web	Servicemember

05/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32920	Web	Servicemember

05/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30703	Web

05/15/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12603	Referral

05/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70805	Web

05/12/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29588	Web

05/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22192	Web

05/08/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75771	Web

05/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11419	Web

04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31059	Web

04/19/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48203	Web	Older American

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 66104	Referral

04/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	UT 84119	Web

04/10/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 71913	Web	Older American

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49443	Postal mail	Older American

04/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63146	Phone

03/30/2017	Yes	Credit card	Delinquent account	NY 14215	Web

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33021	Referral

03/22/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NY 11214	Web	Older American

03/21/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60030	Web

03/21/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 080XX	Web

03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77338	Web

03/16/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94112	Postal mail	Older American

03/14/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91709	Web

03/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37909	Web

03/12/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 28077	Web

03/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IN 46235	Web

03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 44606	Referral

03/09/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10036	Postal mail

03/08/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 28077	Web

03/08/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20878	Web	Older American

03/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32960	Web

02/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44117	Web

02/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44117	Web

02/21/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 93309	Phone

02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 371XX	Web

02/15/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MS 38866	Web

02/15/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MS 38866	Web

02/11/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AL 35594	Web

02/09/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92802	Web	Older American

02/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	SC 29588	Web

02/03/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web	Older American

01/28/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 23185	Web

01/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07840	Web

01/22/2017	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97333	Web

01/19/2017	Yes	Credit reporting	Incorrect information on credit report Account status	PA 18704	Web	Older American

12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29203	Web

12/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20910	Web

12/16/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11375	Web

12/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75087	Web

12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37917	Fax

12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37917	Fax

12/12/2016	Yes	Credit card	Closing/Cancelling account	NJ 07030	Postal mail	Older American, Servicemember

12/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92126	Web

12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90248	Web

12/06/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	AR 72958	Web

12/02/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	VA 23224	Web	Older American, Servicemember

11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90042	Postal mail

11/29/2016	Yes	Credit card	Sale of account	NY 11428	Web

11/21/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 63019	Referral

11/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20646	Web

11/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 38109	Web

11/11/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 95363	Web

11/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91361	Web

11/08/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55124	Web

11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78613	Postal mail

10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 713XX	Web

10/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75643	Web	Older American

10/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06226	Web	Older American

10/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30017	Web

10/11/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92704	Referral

10/10/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75382	Web

10/10/2016	Yes	Credit card	Delinquent account	HI 96719	Web	Servicemember

10/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77805	Web	Older American

09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90805	Phone	Older American

09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10549	Postal mail

09/10/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	WA 98445	Web

09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37763	Postal mail

09/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70607	Referral

08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37323	Web

08/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	CA 95153	Postal mail

08/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 76063	Postal mail

08/11/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 76063	Referral

08/10/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33068	Web

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33021	Referral

08/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 63019	Referral

07/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	TN 37190	Web

07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97420	Referral	Older American

07/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30296	Web	Servicemember

06/30/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	OK 74447	Web	Servicemember

06/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94560	Web

06/12/2016	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	KS 66062	Web

06/06/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CA 93711	Web	Servicemember

06/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77584	Web

06/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75137	Fax

05/20/2016	No	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	CA 90620	Web

05/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13760	Web

05/18/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WI 54007	Phone

05/17/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 76271	Web

05/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MA 01803	Web

05/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07440	Web

05/04/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33020	Web

04/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 03867	Web

04/21/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 77356	Web	Older American

04/21/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	TN 37167	Web

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32086	Web

04/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46038	Web	Servicemember

04/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40511	Referral

04/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40511	Referral

04/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91502	Referral

04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60067	Fax

04/06/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91606	Web

04/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06237	Web	Older American, Servicemember

04/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10453	Phone	Servicemember

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60139	Referral

03/29/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33025	Referral

03/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66760	Postal mail

03/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75225	Web

03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10034	Referral

03/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Referral

03/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75225	Web

03/03/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92114	Web

02/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32216	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07010	Referral

02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 95673	Phone	Servicemember

02/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75022	Web

02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78155	Phone

02/01/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

01/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10033	Referral

01/28/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10803	Web

01/26/2016	Yes	Credit card	Delinquent account	TX 78412	Web	Older American

01/26/2016	Yes	Credit card	Delinquent account	TX 78412	Web

01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43725	Postal mail	Older American

01/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32082	Web

01/04/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CO 80023	Web

01/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75070	Web

12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79764	Web

12/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 02554	Postal mail

12/13/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 78665	Web	Older American, Servicemember

11/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60087	Web

11/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85254	Referral

11/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 77545	Web

11/05/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	GA 31548	Web	Servicemember

11/05/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	FL 34474	Web

10/28/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98033	Web

10/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07644	Referral

10/06/2015	Yes	Credit card	Delinquent account	IN 47172	Web

10/05/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 33175	Referral

10/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55103	Web

10/01/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 62959	Web

09/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	KS 67346	Web

09/23/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 62959	Web

09/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75225	Web

09/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31403	Postal mail

09/11/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AL 36532	Web

09/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08759	Web

09/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85335	Web

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 10039	Referral

07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71105	Web

07/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97220	Referral

07/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55369	Web	Older American

07/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 17347	Web

07/08/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55369	Web	Older American

07/02/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AR 72086	Web

06/19/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IN 46637	Web

05/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23702	Web	Servicemember

04/30/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 77085	Web

04/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 04987	Web

04/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 93710	Referral

03/30/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30058	Fax

03/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91607	Postal mail

03/16/2015	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	CA 93065	Web

03/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93291	Postal mail

03/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98684	Web

03/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43610	Web

03/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 88201	Web	Servicemember

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NM 55901	Fax

02/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44805	Web

02/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11566	Web

02/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OH 43157	Fax	Older American

02/20/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	MA 02536	Web	Older American

02/17/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	AZ 85205	Web

02/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

02/05/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77084	Web	Servicemember

02/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GU 32129	Web	Older American

02/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33027	Phone

01/31/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78203	Web

01/27/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	OH 45157	Web	Servicemember

01/21/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55812	Web

12/31/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91311	Phone

12/24/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 27537	Web	Older American, Servicemember

12/20/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64152	Web	Servicemember

12/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74023	Web	Older American, Servicemember

12/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	VA 22192	Web

12/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15226	Web

12/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92887	Web

12/05/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NM 88203	Web

11/26/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 78258	Web	Servicemember

11/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01860	Web

11/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AR 72032	Postal mail

11/12/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	PA 19018	Postal mail

10/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08759	Web

10/12/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30316	Web

10/01/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92801	Referral	Older American

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78662	Web

09/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	CA 95032	Web	Older American

09/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23113	Referral

09/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92037	Web

09/01/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95020	Web

08/23/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 17104	Web

08/21/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OR 97137	Web

08/06/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62025	Web

08/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77098	Referral

08/06/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	OR 97008	Web

08/04/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10954	Web

07/28/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78613	Web

07/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35586	Web	Older American, Servicemember

07/21/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11967	Phone

07/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 91403	Web

07/07/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 27101	Phone	Servicemember

06/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27530	Referral	Older American

06/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 24556	Web	Servicemember

06/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 62237	Web

06/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35244	Web

06/03/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 19014	Web

05/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95219	Web

05/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SD 57106	Postal mail

05/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 93444	Web

05/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77573	Web	Older American

04/27/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	AL 36401	Web

04/25/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IN 46214	Referral

04/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93454	Phone	Older American

04/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79902	Web	Older American

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48092	Referral

04/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	AL 36401	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33186	Web	Older American

04/17/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 11950	Web

04/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33467	Web

04/15/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	IL 60473	Web	Servicemember

04/14/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 32724	Postal mail

04/04/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NM 87113	Referral

04/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NV 89107	Web

03/31/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 07418	Web

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23665	Web

03/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 12305	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77578	Referral

03/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27537	Postal mail

03/07/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 34476	Postal mail

03/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11368	Web

03/05/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	VA 22003	Web

03/03/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 10029	Referral

02/24/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 61554	Web

02/19/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27587	Web

02/14/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TN 37363	Web

02/06/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA 95118	Referral

01/08/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33729	Web

01/03/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79604	Postal mail

12/12/2013	No	Mortgage Other mortgage	Other	MD 20706	Email

12/11/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95630	Phone	Older American

12/09/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06237	Web

12/04/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11418	Referral	Older American

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 34473	Web

11/23/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11050	Web

11/22/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33154	Web

11/19/2013	No	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA 93703	Web

11/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 92865	Web

11/13/2013	No	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	WA 98177	Web

11/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IA 50010	Web

11/11/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85083	Web

11/09/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 76209	Web

11/02/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10463	Web

10/30/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11223	Referral

09/30/2013	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OH 74044	Web	Older American

09/24/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98271	Web

09/20/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 32209	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10026	Referral

08/19/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87196	Phone

08/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	HI 96813	Postal mail

08/03/2013	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 91344	Web

07/26/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 91737	Web

07/19/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	SC 29303	Web