Unifin Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/08/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 019XX	Web	Servicemember
Unifin Inc services a medical debt from XXXX XXXX. Not only did I not receive any statement regarding this bill, but I received misinformation and was not treated fairly. I was offered a 20 % settlement off of the XXXX, but was quoted a different amount. I let the representative know that the amount I was quoted which was around, XXXX was not 20 % of the balance. She then said she would put me down as a refusal to pay. I complained and said in collections theres a difference between a refusal to pay and an inability to pay and I was unable to make payments. I let her know my situation and my consideration to file bankruptcy. I also let the representative know I live in Massachusetts and per regulation, I shouldnt be receiving frequent calls or calls outside of appropriate call times. I continue to receive calls late at night passed XXXX. This agency outsources to a callcenter in XXXX, which has been my primary communication. I let them know I later retained an attorney and am in the process to file a Ch XXXX. Yesterday I got a call at XXXX XXXX from the same XXXX number that had called me previously where the rep identified themselves as unison. Today I called to speak to a manager and she insisted there was a cease and desist on my account. I told her I know it was her company because the XXXX location calls me from a XXXX number and I dont receive collection calls except from that number. The representative prior to me speaking to the manager informed me that XXXX follows a different protocol and he has no knowledge of how they conduct their practices. I asked the manager how she knows it wasnt XXXX placing the calls, and she said because its time stamped. So I asked her why I was getting calls from the same XXXX number. She said it wasnt her company and continued to yell at me because XXXX documents their call stamps. So I asked if their XXXX location uses an automated dialer of which it would document the account for the rep or if the rep manually places the call, she said she doesnt know the back end of their practices. I asked for the address so I can include it in my bankruptcy petition and was told they couldnt give it out to me, but that if I type XXXX incorporated into XXXX, Ill be able to find it. After not being able to find the address, I call Unifin Inc again. The representative asks me why I needed the address. I told her I was filing a chapter XXXX bankruptcy and already have an attorney and that I need the amount due, name of creditors and the address for my bankruptcy. The representative asked me why I was filing a chapter XXXX, I then asked her why would she need to know and why was it relevant? This representative hangs up on me. So I call back, I repeat my introduction and tell the representative I am filing bankruptcy and need the companys address for my petition. She asked me why I didnt want to resolve the debt, I told her the debt would be resolved in a chapter XXXX, she then tried to overcome my objection and I told her I already retained an attorney and need the address. In the middle of giving me the address, she places me on hold and transfers me to a manager without telling me she was transferring me to a manager. I asked the manager if she was the same individual I spoke with before. She said no. She continued the call with offering me settlements after already being notified several times even through previous calls that I have an attorney. I told her I was having trouble locating the company because they identify as XXXX and I cant locate a business entity that practices collections under that name. She insisted they are legitimate and gave me their website. According to their website, they identify as Unifin inc, not XXXX XXXX every representative pronounces the company as XXXX not Unifin. I let her know not only do I need an address but I want to file a complaint based on my experience with them. She then proceeded to tell me theres a cease and desist on my account and theres no way I could have calls, but when I tried asking about their XXXX location because thats where I get these calls, she refused to address the issue and cut me off and said that because I retained and attorney she was going to terminate the call and told me she didnt grant me permission to record the call right before hanging up on me. Ive been working in collections for several years, and not once have I worked for a company that conducts their business the way Unifin Inc conducts their business. I urge the CFPB to investigate the company and their outsourced call center because I believe they are in violation of the FDCPA as well. My concerns werent documented and the managers either yelled at me or talked over me and then terminated the calls. The previous agents call me from a XXXX number consistently and when I return the call its a number that doesnt go through unless I answer while it calls. They dont identify themselves as the appropriate Unifin inc and instead pronounced it differently which is highly misleading. Additionally, they offer settlements and quote different amounts to the percentage initially quoted and then back pedal. There was also one call I had with a representative where the mini Miranda was not read to me.
09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20744	Web	Servicemember
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX UNIFIN claims that I owe {$360.00} for UNIFIN Ref # XXXX for XXXX XXXX XXXX with their ref # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
10/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MT 59601	Web
I was sent a collection letter XX/XX/XXXX. The collection letter didn't have my personal information just the name of the business I dissolved in XXXX. I sent them an email through their portal, notice that this debt was time barred per my state ( MT ) statute. I did ask for the originator and date of the debt. I asked to not be contacted regarding this collection attempt. I did receive a reply dated XX/XX/XXXX, stating that I " can not be sued, nor can the debt be reported to the credit bureau based on the age of the account ''. The originating company is XXXX XXXX XXXX with the date of the debt on XX/XX/XXXX and an account charge off date of XX/XX/XXXX. The letter states " It is not a credit card or other account statement from the original creditor ''. The " debt '' was sold to XXXX XXXX XXXX, then to XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX is representing XXXX XXXX XXXX. Again, this is allegedly a debt from XX/XX/XXXX. Current date is XX/XX/XXXX. This debt is XXXX XXXX XXXX. I included the Montana Code Annotated 2021 in my email to the collection company and reads as follows : MCA Contents TITLE 30 CHAPTER 3 Part 1 30-3-122 Statute of limitations Montana Code Annotated 2021 TITLE 30. TRADE AND COMMERCE CHAPTER 3. UNIFORM COMMERCIAL CODE NEGOTIABLE INSTRUMENTS Part 1. Short Title, Form, and Interpretation Statute Of Limitations 30-3-122.Statute of limitations. ( 1 ) Except as provided in subsection ( 5 ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within 6 years after the payment date or dates stated in the note or, if a payment date is accelerated, within 6 years after the accelerated payment date. ( 2 ) Except as provided in subsection ( 4 ) or ( 5 ), if demand for payment is made to the maker of a note payable on demand, an action to enforce the obligation of a party to pay the note must be commenced within 6 years after the demand. If no demand for payment is made to the maker, an action to enforce the note is barred if neither principal nor interest on the note has been paid for a continuous period of 10 years. ( 3 ) Except as provided in subsection ( 4 ), an action to enforce the obligation of a party to an unaccepted draft to pay the draft must be commenced within 6 years after dishonor of the draft or 10 years after the date of the draft, whichever period expires first. ( 4 ) An action to enforce the obligation of the acceptor of a certified check or the issuer of a teller 's check, cashier 's check, or traveler 's check must be commenced within 6 years after demand for payment is made to the acceptor or issuer, as the case may be. ( 5 ) An action to enforce the obligation of a party to a certificate of deposit to pay the instrument must be commenced within 6 years after demand for payment is made to the maker, but if the instrument states a maturity date and the maker is not required to pay before that date, the 6-year period begins when a demand for payment is in effect and the maturity date has passed. ( 6 ) This subsection applies to an action to enforce the obligation of a party to pay an accepted draft, other than a certified check. If the obligation of the acceptor is payable at a definite time, the action must be commenced within 6 years after the payment date or dates stated in the draft or acceptance. If the obligation of the acceptor is payable on demand, the action must be commenced within 6 years after the date of the acceptance. ( 7 ) Unless governed by other law regarding claims for indemnity or contribution, an action for conversion of an instrument, for money had and received, or for like action based on conversion ; for breach of warranty ; or to enforce an obligation, duty, or right arising under this chapter and not governed by this section must be commenced within 3 years after the cause of action accrues. History : En. Sec. 3-122, Ch. 264, L. 1963 ; R.C.M. 1947, 87A-3-122 ; amd. Sec. 105, Ch. 410, L. 1991.
02/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21207	Web
Dear Unifin, Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2021 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
11/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 54130	Web	Older American
I received the following email ( too cheap to sent certified letter, how hopeful can they be for a favorable reply? ) : Unifin , Inc. XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX ACCOUNT SUMMARY Unifin Reference # : XXXX Debt Description : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Creditor Account # : XXXX Balance : {$8100.00} Toll Free : XXXX Fax : XXXX Email : XXXX Website : www.unifininc.com Online Portal : XXXX XXXX XXXXXXXX XX/XX/2021 Dear XXXX XXXX : The past due account has been referred to our agency for collection. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 1 payment of {$4000.00} to resolve your account in full for {$4000.00}. 3 consecutive monthly payments of {$1700.00} to resolve your account in full for {$5300.00} 12 consecutive monthly payments of {$680.00} to pay your balance in full To take advantage of the discounted offer ( s ), please have payment ( or first payment ) in our office within 45 days from XX/XX/2021. We are not obligated to renew any offers provided. Sincerely, Unifin Inc. Management Office hours are : XXXX XXXX \| Friday XXXX ( All times are Central Standard Times, CST ). Our fax number is XXXX or email us at : XXXX. All written correspondence must be sent to the following address : Unifin , Inc., XXXX XXXX XXXXXXXX, XXXX, IL XXXX. Notice to California Residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. You may request records showing the following : ( 1 ) that XXXX XXXX XXXX has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date of default or the date of the last payment ; ( 4 ) the name of the charge-off creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the charge-off creditor 's or debt buyer 's records prior to the sale of the debt, as appropriate ; and ( 6 ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to : XXXX XXXX XXXX, XXXX, IL. XXXX The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. Even though the statute of limitations has expired, you may choose to make payments. However, be aware : if you make a payment, the statute of limitations may start again. Contact us : XXXX XXXX UNIFIN.WFD XXXX XXXX CA If you'd rather not receive future e-mails, please opt-out here. Please do not reply to this message to opt out. This is a notification-only email that can not accept incoming replies. atp Message-ID : XXXX
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19142	Web
Good Evening CFPB, I have been checking my Consumer Report from XXXX XXXX. When I contacted XXXX XXXX about a 3rd party on my Consumer Report XXXX XXXX advices me to contact them directly. Which I did. Unifin Inc. was the 3rd party who I contacted directly since Unifin Inc. sent me this fraudulent documents which I have enclosed with this complaint.CFPB, I have also enclosed the certified mail receipt and the letter which I sent to Unifin Inc. Unifin Inc XXXX responded with a letter from another company XXXX XXXX XXXX XXXX and a bill. My letter didn't request either. Federal Law 15 USC 1681 ( a ) ( 4 ) clearly states : ( a ) Accuracy and Fairness of Credit Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of Consumers. ( 3 ) Consumers reporting agencies have assumed a vital role in assembling and evaluating Consumer credit and other information on Consumers. ( 4 ) There is a need to ensure that Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumers right to privacy. Federal Law 15 USC 1681a- ( e ) clearly states : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Federal Law 15 USC 1681b clearly states : ( a ) In general Subject to subsection ( c ), any Consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand Jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the Consumer to whom it relates. Federal Law 15 USC 1681q clearly states Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both. CFBP, Clearly Unifin Inc has Violated my Consumer 's Rights as it is stated above and are continuing to commit Identity thief which is another Consumer Violation.
08/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11236	Web
Subject : Request for Investigation and Removal of Inaccurate Debt Reporting. I am writing to file a formal complaint against Unifin Inc. regarding their failure to substantiate a debt they claim is owed by me. I have sent them a written request for debt validation, but they have not provided the necessary documentation within the prescribed timeframe. I believe that Unifin Inc. has violated the Fair Debt Collection Practices Act ( FDCPA ) and the New York Regulation 23 NYCRR 1.4 by refusing to comply with my request for validation of the debt. I am seeking your assistance in resolving this matter and having the inaccurate account removed from my credit file. Details related to the debt in question are as follows : - Amount owed : {$890.00} As per 23 NYCRR 1.4 ( c ), Unifin Inc. is required to provide substantiation of the debt, which includes the following : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was, in fact, incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer. 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer. 3. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer. 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. I have also exercised my rights under the FDCPA to request verification and validation of the debt from Unifin Inc., but they have failed to provide the requested information. As a result, I am unsure of the validity of this debt and believe that it is inaccurate. I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take the following actions : 1. Instruct Unifin Inc. to remove the inaccurate and unverified debt from my credit file if they fail to provide the required substantiation. 2.Take appropriate actions against Unifin XXXX for their failure to comply with the FDCPA and applicable regulations. I have attached a copy of the written request I sent to Unifin Inc. for your reference. Additionally, I have included any relevant supporting documents that may assist in your investigation. I understand the importance of accurate credit reporting, and I believe that resolving this matter is essential to maintaining the integrity of my credit profile. Your intervention in this case is greatly appreciated. Please acknowledge receipt of this complaint and provide me with any updates or actions taken to address the issue. Thank you for your attention to this matter, and I look forward to a prompt resolution.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 684XX	Web
I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is XXXX and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or XXXX have produced a document of any type and I only get a notice that the debt has been verified. I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file. Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by XXXX to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
01/29/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 15601	Web
I received a few calls recently on my cellphone from people asking to speak with my mother. I asked what it was regarding or who was calling or what it was about, and they'd respond with the same script, " it's a personal matter and we can only discuss it with [ my mother ], now can I speak with her? '' This would go on and on until they'd hang up. Other times I'd tell them wrong number, don't call. Yet they kept calling. So today,XX/XX/XXXX at about XXXX, when I received the call, I decided to prod deeper on who this is. I asked my questions and they gave me the same script. So once they hung up on me, I called back. Told them I was in fact the person they were looking for ( I was not ), and they proceeded to ask me to verify ( my mother 's ) name, address, and social security number - all of which was accurate. I did not confirm, told them they had the wrong address and soc, and they refused to work further with me. I told them that they must, because they got my name correct. They hung up on me. I called again, with the same song and dance, but this time I claimed to be power of attorney for my mother. The rep, wanting proof, told me I could fax or email. I said email since that could give me info - it did. They wanted it emailed to XXXX. With quick research, unifinrs is a debt collection company based out of IL. I then began to grill this woman on the company, and she would stop to speak to somebody in the background. I made mention of this person in a flippant way, and he decided to get on the phone. A very aggressive man named XXXX. He refused to spell his last name, but it's pronounced XXXX, XXXX, or XXXX, I couldn't make it out. He then argued with me and gave me scripted lines as well when I'd ask for information about what the calls are regarding. He hangs up on me. I continued calling back asking to speak with him, since he hung up on me. So that I may tell him to not call and that I'd be reporting him. Also to ask for his name spelled. I was put on hold and left there, so I kept calling asking for him. Finally reached him, he argued with me and when I said I was going to report them for harassment, he then said I was the one harassing them. He refused to spell his last name and we parted ways. With research, unifinrs specializes in old XXXX debt. This makes sense since the only thing in collections for my mother is an unjust and disputed XXXX bill from pre-XXXX. This company calls and harasses and spits out social security numbers, without stating who they are, when they call from spoof numbers, and are rude in the process, for debts that are over 7 years old.
10/22/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85257	Web
I received several calls from Unifin during business hours while I was at my job, but never any voicemails. After receiving 5 calls on a XXXX afternoon from the same number, I called back and was greeted with " How may I direct your call? '' - I let them know that I had received several missed calls from this number and was calling back to see what it was in regards to. I was then directed to a gentleman by the name of XXXX XXXX who told me that I had just been put into collections for a hospital bill that was over 5 years old. Long story short, ( over the course of a week ) I was told to call 4 different doctors offices and physicians groups to see where the unpaid debt had come from. I was under the impression that debt collectors had this information prior to contacting you, but because I was desperate to be taken out of collections, I called. After calling all 4 places, they all let me know that I was in good standing, and was never delinquent. I called XXXX back for 4 days where I was only able to leave messages. The following XXXX, I had called in again and had spoken to XXXX where he told me yet again to call another doctor to see where my debt had come from. I asked him why that number was n't provided to me originally? He put me on hold where another gentleman got on the line and let me know he was the manager. When I asked his name and the collections agency he and XXXX were with, there was silence on the other line. When I asked again, he very defensively let me know that he was just trying to help me settle my debt and that I was responsible to pay. I told him that I was happy to pay, but I needed to know this information. Again, silence on the other line. This went on for about 3 minutes before I began to get very nervous and started crying. Why are these people harassing me at work and then refusing to tell me who they are when I am trying to do right by my debts and pay them off? I hung up and called back into the main line, asked the man who picked up what the name of the company was. He told me Unifin and that was the only way I was able to find out who was calling me since the other Unifin employees refused to tell me any information. I ended up finding out that this information was false and I did not owe money for a medical debt. This is harassment and terrible business practice. Please beware and make sure to do your research if this company ever calls you!
07/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 296XX	Web
I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
04/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I paid a debt that was for XXXX, and it was paid to UNIFIN. I was told by the representative on the phone the debt would be reported to the credit bureau within 30 days, as I wanted to be sure it was reported. I am a single mother trying to pay off my debts to get a home for my son and I, and this was very important to me. 30 days passes, and it was not showing on my credit report. I called back, and another rep told me it should show soon. 60 days passes. I eventually received another bill in the mail showing an oustanding balance, and I was very upset. I called and was told this was inaccurate and that the bill was already paid. When I asked why it had not been reflected on my credit report yet a lady named XXXX ( I believe? ) said " sorry, this account isn't reported to the creditors. '' I called XXXX, XXXX XXXX, Unifin -- - no one cares that it has not been reported to the creditors, although when I called Unifin and e-mailed in response to their receipt showing my payment I was told twice before it would be reported. There should be recordings of this since they always say " this call is being monitored '' .... yet no one can seem to pull up a recording when I ask them to, as that will prove what I am saying is true. This is not right. I reported to the XXXX, and the company still contested it saying the account is not reported to creditors. Why did two different reps tell me twice it would be reported- just to get my money? I still show a derogatory account on my credit report to XXXX. I even mailed XXXX a letter, and they were no help. THIS HAS BEEN PAID!!!!!!! I have the receipt where I paid the settled balance Unifin offered in full with my debit card on XX/XX/2020. Had I known this would happen, I would have required it be put in writing that it would be reported to the creditors. I took the reps for their word. This is so unethical, and I have done every possible thing I can to hold them accountable to what I was promised. Something as simple as reporting my account was paid in full for the settled balance -- to eliminate it showing as derogatory, because I did my part of paying my balance.
03/31/2020	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 XXXXX	Web	Servicemember
I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from Unifin. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to Unifin by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
12/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75218	Web	Servicemember
I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.
04/23/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	VA 23454	Web	Servicemember
This company was contracted by XXXX XXXX to collect on a debt originally owned by XXXX XXXX XXXX. Unifin & I came to a settlement amount of {$2600.00}. This was in XXXX of 2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to Unifin and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to Unifin to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. Unifin then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet Unifin denies this despite the check being clearly stamped " Unifin for deposit only '' ( which XXXX provided me with a company ). To this date, I hace not heard from Unifin. Since all calls are recorded, I encourage you to pull the tapes.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95124	Web	Older American
UNIFIN a debt collection company working in tandom and co-operation with XXXX XXXX XXXX XXXX XXXX has attempted to collect a debt already PAID IN FULL in XXXX knowingly in the amount of {$4100.00}, this amount was settled in Full in XXXX for {$2300.00}.. The complaint answer from XXXX XXXX XXXX XXXX XXXX Corroborates this as well as documented Pay off .... SEE ALL PHOTOS ATTACHED. THERE IS NO MONEY OWED AND NONE FURTHER WILL BE PAID.. UNIFIN working with XXXX XXXX XXXX XXXX XXXX has XXXX both in person and by letters as seen in photos recently in XXXX knowing full well that my legal name changed in XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX name for inheritance purposes as per Ca. State Drivers License, XXXX Passport and Social Security Number. My phone number has never changed either. Attempting to collect further on an already PAID IN FULL Collection account with harassment involved constitutes EXTORTION under current Federal Laws and a further crime of U.S. Mail Fraud for attempting under duress and harassment to collect a non payable PAID IN FULL amount in order to make a " marketable illegal profit '' for it's company in accordance with FBI current RICO Laws now in place for such actions. It is clear in the statements mailed to myself that these companies were aware of the amounts, dates and proceedings of each others collusion to attempt further payments on a previously PAID IN FULL account to XXXX XXXX XXXX XXXX XXXX in XXXX with XXXX Consultants in XXXX. My attorneys private investigators firm have collected both video, photo and document evidence that has been turned over to the proper law enforcement agencies as well as State authorities on bonding and legality issues. THIS ACCOUNT WAS AND IS PAID IN FULL ... NO FURTHER Payment OF ANY KIND IS FORTHCOMING.
04/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95949	Web	Servicemember
I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. On XXXX I spoke with XXXX XXXX of Unifin IncXXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XXXX and XXXX. On XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX. I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. The claim number for this is # XXXX and the contact # I have for the company is XXXX. Thank you in advance for any assistance you can provide.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63118	Web
Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account Number : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. Please reinvestigate this matter and correct the disputed item as soon as possible. In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Thank you for your attention to this matter. Sincerely, XXXX XXXX
09/07/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 629XX	Web	Servicemember
A debt collector by the name of Unifin , Inc. with an address of XXXX XXXX XXXX XXXX, IL XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX Unifin uses this reference number : XXXX. In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. '' They also stated : " Because of the age of your debt, Unifin will not sue you for it. '' These two quoted statements show that Unifin and XXXX XXXX both know full well that they are attempting to collect upon an alleged debt that is time barred. Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At a minimum I want both Unifin and XXXX XXXX to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone : XXXX
12/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 793XX	Web
On XX/XX/2019 I received a phone call from XXXX, thinking it was family, I called the number back to find out it was a debt collector trying to get paid for a 14 year old debt obtained through identity theft. I got very upset most of all, because they gave out the last 4 digits of my social security number before they knew who I was and I went off the deep end. I questioned them of how they got my social security number and why they had given it out and I did not let him get a word in edge wise because I was mad, and yes I said some bad work. I also told them that I better not find it on my credit report as a new account owed, I have one on there that did this and it is still on my credit report, and then I hung up on them. I did call them back to get the company name, because I don't remember them giving it to me. A women answered the phone this time and said her name was XXXX and I asked her to spell it and she asked if I had just called and I said yes and I want the address to the company, she kept asking questions while I was asking for the address and she would not give it to me and told me to answer her questions and I kept asking for the address and she said that it was being recorded and I told her good and told her the same thing I told the first person. She hung up on me. They should not be giving out any part of someones social security number at all. I am going through a problem with identity theft right now, and them giving this information out is not good, a lot of companies ask for the last digits of your ss #, but they don't give it to you.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 836XX	Web
My account was deleted and removed by original creditor and credit reports on XX/XX/XXXX Received a suspicious letter XX/XX/XXXX ( also another SCAM it was back-dated XXXX but not postmarked till XX/XX/XXXX - stating needs to be paid within x amount of days from DATE of letter - SCARE TATIC and misuse of DATES ). this account is not valid, it is an account that was deleted. this company is not valid - who us XXXX? They write the letter 'as if " they are the original creditor / account / collection company - THEY ARE NOT. this company is trying to use scare tactics to make people believe they own a debt that is not valid. PROTECT yourself, protect your loved ones from SCAMS LIKE THIS that are allowed to happen by the government and these " debt collectors ''. No one cares but you, so READ everything CAREFULLY. In tiny fine print it says if you pay the debt they can then reinstate it and sue you! For a debt that isn't in VALID or LEGALLY BINDING! If you look closer you will see THEY CAN NOT SUE YOU, they can not even REPORT on this debt- why? because it is INVALID, deleted, removed or doesn't even exist. Legally they can not sue you or reinstate a deleted debt that you do not owe. DO NOT BE FOOLED by this COMPANY 's -- - GROSS MISUSE, MISREPRESENTATION and HARASSMENT. FTC and CFPB won't do anything so stand up for yourself and against companies using GROSS MISUSE TATICS for people who are under-read and do not have the comprehension skills to understand the MISREPRESENTATION of the language they are using and TWISTING to their benefit.
10/18/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	IL 61821	Web
I was attempting to speak to supervisors about their company using XXXX XXXX XXXX contact information resulting in them calling my phone number of XXXX looking for XXXX XXXX. I wanted to know if their corrections of incorrect data only stay internally or is reported to the credit bureaus or updated to the debt asset when sold on to other collectors. I was unable to get to that line of question as the very basic questions would not get answered. I spoke with XXXX supervisors on Wed XX/XX/XXXX The first was a female who refused to identify herself or the company name. She cited a security policy and refused to answer the questions multiple times until she terminated the call. I then spoke with a man who said the first supervisor was wrong and should have identified the company. He said their name with a thick accent and refused to spell the name of the company citing a security policy. He refused to provide his name or the mailing address for the company. He did identify the company was incorporated in Illinois as asked. When I repeatedly asked him to spell the company name and provide a mailing address he refused until he terminated the call. They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. Refusal to identify the company is a clear violation of the FDCPA and these nefarious and purposely misleading practices are deceitful and motivated by mitigating the ability for people to hold them accountable by making identifying them to government agencies difficult.
12/31/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30518	Web
On XX/XX/XXXX at XXXX XXXX EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43110	Web
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. XXXX XXXXXXXX XXXX XXXXXXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named UNIFIN who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
02/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94087	Web
This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. When I checked my XXXX credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.
02/28/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34769	Web	Servicemember
I received a letter from a debt collector, UNIFIN. I tried 3 separate times to solve a debt with them. I spoke to the 1st agent and gave them the reference # XXXX, I could not afford the payment options they offered, but the letter did state that if I contacted them they would try to work with me. I was offered to settle the debt for XXXX for {$1000.00}. Which I could afford, instead of the {$1400.00}. They took that money and applied it to another debt that I was not even aware of and does not appear on my credit report. I feel that this is fraud. I was promised a email receipt and never received one. My payment was on XX/XX/2020. I called on XXXX XXXX to complain that nothing had been reported to the credit bureaus yet and found out from another agent that there was not payment made for that account. It had been applied to a credit card account. I was shocked. I asked to have this money applied to the original debt as arranged, but I was refused. I asked for a manager. I spoke to a person by the name of XXXX and was told that they could give me a refund of the money and that was all. I was to receive it within 3-5 business days. It never came. I contacted them again on XX/XX/2020. Again I was told the same thing I would have to wait 3-5 days for a refund and I was given another apology. I do not trust this company to come through with their promise of a refund. I really need your help. All I wanted to do was settle a debt. Now I am out my money and still have a bad mark on my credit.
01/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33028	Web
Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
06/20/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 10002	Web
My boyfriend recieved a call from the phone number listed asking for me. I called this phone number back twice and couldn't find out what they were actually calling about. They knew the last 4 digits of my social security number and my current address and kept asking me to verify if this was my information. I have no idea who this company is and they are not a creditor on my credit report. They never stated they were a debt collector and just kept asking me to verify my information before they would tell me what the call was regarding. This company made no attempt to identify themselves and were asking me to verify my information that they have on file, which they read to me first. I didn't provide it to them. They also asked my boyfriend to verify my SSN when he first spoke to them. I refused to verify the information becuase they wouldn't tell me what the call was regarding and they hung up when I pressed them on it. They never identified who they were each time I called and I repeatidly ask to get the name of the company. After getting angry they finally said the company name is Unifin but that was it, no other information was provided. I had to verify online that Unifin , Inc. is actually a debt collector. I believe this to be a scam as I do not owe this company any money. It is very concering that they have the last 4 digits of my SSN and my current address and would like to know what I can do abou this.
05/29/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 10030	Web
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes UNIFIN has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, UNIFIN XXXXlaims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, UNIFIN claims XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by UNIFIN INCORPORATED doing business as UNIFIN on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX and UNIFIN doing business as UNIFIN is now civilly liable to pay me for the damages.
06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83651	Web	Servicemember
To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. It all sounded straight up, and I still don't feel that XXXX was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.
07/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94509	Web	Older American
I received a collection notice from Unifin , Inc. dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with XXXX. The debt was from XX/XX/XXXX and the balance owed to XXXX at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX Services.Both letters were dated XX/XX/XXXX and both referenced the same collection with XXXXXXXX XXXX and XXXX. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the XXXX account. The second letter was a copy of the account summary they provided. According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. To the best of my knowledge I have never had a credit card with XXXX. So naturally I am very concerned that someone opened an account under my name. But why is this the first time I'm hearing about it? No one has ever contacted me before. And why are they trying to collect on a debt that was charged off 18 years ago? Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
06/10/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IN 477XX	Web
I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.
06/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Servicemember
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( LVNV Funding , LLC v. Trice, 952 NE2d 1232 ( 2011 ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76248	Web
I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact XXXX XXXX XXXX did not provide any info. I never opened or authorized a XXXX credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?
11/03/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97007	Web
On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.
06/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68025	Web
Recieved a phone call from a XXXX area code claiming to be attempting to collect a debt for a XXXX XXXX account. When I asked how a company that no longer exists was trying to collect a debt they said that XXXX XXXX had taken over their accounts. Despite an uneasy feeling I set up a payment plan to settle the debt and was told I would receive an email confirmation of the plan. After not receiving the email and reaching out to XXXX XXXX I deemed the company to be illegitimate and cancelled my card. On the date of the first scheduled payment I received a follow-up call from another XXXX area code. After explaining the issues I had with the way they had done business thus far I told them I wouldn't set up another payment plan until I had received an email from their company as I had been promised. Once I received the email I found out that they are not located in XXXX. In fact, Unifin Inc. only has a XXXX XXXX in XXXX listed as an address. Seeing this I looked up who acquired XXXX XXXX and found out that they were purchased by XXXX/XXXX. I called XXXX XXXX and asked if they could find any record of me and they couldn't and told me they have their own debt collectors and the number I was called from has no association with them.
12/12/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 90301	Web
I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.
03/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WI 546XX	Web
Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.
09/30/2015	Yes	Debt collection Payday loan	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85225	Web
Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue
05/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 021XX	Web
Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.
08/29/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 151XX	Web
UNIFIN sent me a letter on XX/XX/2021 stating that I owe an alleged debt XXXX XXXX XXXX, in the amount of {$7900.00}. In the first letter it has 3 different amounts that I can make payment to UNIFIN. I sent a Validation letter to UNIFIN on XX/XX/2021. UNIFIN 's response to the Validation Letter was with court documents with a Civil suit bought against me by XXXX XXXX XXXXXXXX XXXXwho was hired by XXXX XXXX ; prior to UNIFIN taking possession of the alleged debt. I believe XXXX XXXX XXXX sold my personal information to the XXXX XXXX or hired to sue me for the alleged debt, then it was sold to UNIFIN. I believe XXXX XXXX XXXX XXXX ; Attorney XXXX XXXX XXXXXXXX XXXX and UNIFIN debt collection company are all working together. I never gave XXXX XXXX XXXX permission or consent to sell my personal information or to give my personal information to any third party or affiliates. I never gave XXXX XXXX or XXXX XXXX XXXX, XXXX. permission or consent to sell my personal information to any third party or affiliates. XXXX XXXX and the XXXX XXXX and XXXX XXXX XXXX, XXXX. never gave notice of the lawsuit that was filed on XXXX.
12/22/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97223	Web
Called my wifes phone, misled her that it was for a job. I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. Multiple calls with a different person each time, until I spoke with XXXX who said they were with Unifin and that they were trying to collect on a debt. They said this was for a XXXX account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53132	Web
I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.
03/01/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78254	Web
A family/relative received a letter from this collection agency ( UNIFIN INC ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.
05/12/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 946XX	Web
This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
04/24/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95608	Web
I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.
12/13/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60612	Web
I was called XX/XX/ at XXXX CT from ( XXXX ) XXXX by a women who said she was calling as the State 's Attorney and asked me to verify my social. I asked her to repeat where she was calling from and she said that I needed to verify the information she was asking and that she would not be providing me with any information until then. I asked her again where she was calling from and did so 2 more times before I asked if she said she said she was calling from the State 's Attorney. She told me if I would not respond she was hanging up and she did. I attempted to call the number back at XXXX CT and was placed in a queue, but the line disconnected. I want to emphasize that I clearly heard her say she was calling from the State 's Attorney and I thought it was weird because she did not end it in " Office '', which is why I wanted her to repeat it. This is a clear misrepresentation of who she is and I only found this company by looking up their number on XXXX. It's illegal and fraudulent to falsify calling from a governmental agency.
09/06/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 330XX	Web
I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
07/27/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29577	Web
I have received calls from Unifin from the numbers XXXX ( XX/XX/2023 XXXX ), XXXX ( XX/XX/2023 XXXX ) and XXXX ( XX/XX/2023 XXXX ). Every time they call they immediately ask for my name and my social security number before giving me any information at all ( including where theyre calling from or that theyre a debt collector ). When I tell them my name is correct they give me the company name but still refuse to state why theyre calling or what the business Unifin is until I verify my identity. I have received zero written notification from this company, I do not know what debt they assume I owe them, and they will not give me any information unless I give them confidential personal information. This is illegal and they have been informed of such. They were also informed that if theyre a debt collection agency they can contact my bankruptcy attorney at which point they say they will discuss all further information when my identity is confirmed. At this point I always hang up.
04/12/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55378	Web
I received a letter from Unifin INC . Address : XXXX XXXX XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last four digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.
05/02/2018	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	WI 53208	Web
This company repeated calls me various times a day never leave a voicemail and when I call back they won't disclose who they are to me. They immediately ask for my information and then they sent me 2 different people personal information in the matter of minutes via email. When I called to inform them they said stop the scheme I'm trying to commit because they cant5help me amd that they will always report to my credit report as negative. I informed them that thats bad practice then they transferred me to a " manager '' the manager dismmissed what I said about the othwr associates I spoke to amd dissmissed what I said about the company sending me other people information that wasn't mine. The manager only concern was to receive a payment from me. I informed the manager that I did not feel comfortable because how the associates spoke to me and the fact that I now have their other customers information that they sent me. The manager then said oh well and hung up.
10/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 357XX	Web	Servicemember
On XX/XX/2022 I received a letter in the mail from Unifin, Inc about an apparent past due account of mine they had acquired and provided payment options in the letter along with debt validation request instructions. I did not recognize this debt. On XX/XX/2022 I mailed a debt validation request letter to Unifin , Inc. It is now XX/XX/2022 and I have not received any sort of response from Unifin , Inc in regards to the validity of this debt. This leads me to believe that this debt can not be validated and is therefore an attempt to collect a non-verifiable debt and therefore an invalid debt. On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX, after no initiation of contact on my behalf, about a referenced debt account being closed in their system, with no details on the validity of the debt. The account number referenced was the same account number listed on the Unifin , Inc initial letter. I have still not heard anything from Unifin, Inc
08/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18045	Web
On XX/XX/2021 I received an email from Unifin Inc. about a XXXX XXXX debt ( attached Unifin XXXX ). I have never had a XXXX XXXX account. I called Unifin and verified ( via providing personal information ) that they have the wrong person. I requested they not contact me about this further, since this is not my debt. The person on the phone said they would remove me from contact. On XX/XX/2021 I received a 'Second Notice ' from Unifin about this same debt ( attached Unifin 2.eml ). I sent a reply ( attached Re Unifin XXXX ) to the email address listed at the bottom of their email : XXXX I received no response. On XX/XX/2021 I received another 'Second Notice ' email from Unifin ( attached Unifin XXXX ). I have tried to stop this harassment by contacting them via phone and via email but they refuse to stop harassing me about a debt they know is not mine. I believe they are simply trying to make me pay another person 's debt via annoying emails.
03/17/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NM 87105	Web
Receiving many collection agencies of debts done in fraud n Identy theft one is with XXXX XXXX contract changed from time of sale with XXXX XXXX on a recall vehicle n claim settlement n reposed n paid on XXXX XXXX 48 months as agreed at time of sale n resold n a first premier of a card debt n now this unifin a debt collector of XXXX this is identity theft and fraud this began with financing a car from XXXX XXXX dealership then XXXX XXXXl financing company stating no service warranty n there was was two years and five year service warranty n copies of payments mailed r not my payments n fraud n contract was changed from 48 months to 72 months n a recall n settlement claim but repossess n auto theft n resold n I paid for it n claim settlement was with XXXX XXXX to buy back n XXXX settlement to all owners but refused to release title this Unifin collection refuses to give any info on when n where this debt was done n fraud n identity theft
06/30/2023	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 76542	Web
This company contacted me asking me to verify my information without telling me who they were or what the call was about. They continue to try to get me to say yes, or affirm my information in a very threatening manner. I would not verify because I felt it was a scam. They disconnected the call. I called the number back, asking them why they were calling me and then they gave me my wifes information instead of mine, saying they were not looking for me. They were actually looking for my wife. I told them that I was recording them the same way they were recording me and they hung up on me. I spoke with the supervisor XXXX during the call when I called back after he hung up, I called them back again and another gentleman by the name of XXXX answered the phone and said that it was my debt but he did not have the correct Social Security number. I asked them to remove my name from Their system and delete any information they have about me.
08/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97501	Web
On XX/XX/XXXX I received a letter from UNIFIN debt collector that stated I had to pay XXXX ..this debt was originally purchased from XXXX XXXX XXXX XX/XX/XXXX. from XXXX XXXX XXXX back on date XX/XX/XXXX. I called unifin XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to XXXX XXXX I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from XXXX XXXX was paid off. I asked for them to send me proof of the account agreement from the company XXXX XXXX she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me
02/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08648	Web
TO WHOM IT MAY CONCERN Unifin Reference Number : XXXX XXXX XXXX XXXX # : XXXX Original Account Number : XXXX Debt Description : XXXX XXXX Total Amount of Debt Now : {$4900.00} I spoke with your agent on phone and we both agreed for a {$300.00} payment for 12 months totaling to {$3600.00} to offset the above debt. I gave them my card details and expected it to start on schedule on XX/XX/XXXX as agreed. To my dismay, no payment has been taken out even after I called back to confirm start of payments. Check your voice recordings from my then number XXXX XXXX XXXX. I keep getting the same letter in my email telling me to take advantage of the discounted offer! Which I did the second week of XX/XX/XXXX. Could you let me know when you intend to start deducting money monthly as agreed? Could you also send me a letter of confirmation that the {$3600.00} amount is in full payment of the debt owed for {$4900.00}?
04/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43701	Web
On XX/XX/2021, received a letter from Unifin , INC, that stated that XXXX also known as XXXX, would settle a debt for {$5800.00} for the amount of {$2600.00}. OnXX/XX/2021 I gave them my credit card for that amount, which they immediately, pulled out of my account. They said I would have an email receipt within 24 to 48 hours. They gave me a confirmation number XXXX. I never received this receipt. On XX/XX/2021 I called again, was told the same thing and was told if I didn't received by the XXXX of XXXX to call back. I called back on the XXXX of XXXX and was told again it would take 24 to 48 hours for them to send the receipt. In the meantime XXXX is refusing to remove the account from the credit bureaus ' because they say they have no record of the account being paid. Since they are refusing to send the email, I have to assume that they took my money under false pretenses, which is theft. s
02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90036	Web
I was contacted by one collection company around a year ago this time staying that I owed about XXXX $ to XXXX for an account I closed out a few years ago. I was able to talk to XXXX and obtain a letter stating the debt was closed and was an error on their part. It was settled and I provided proof to the company directly from XXXX. The debt was cleared from my Credit Report with a note and also from XXXX XXXX. Unifin contacted me a year after the original dispute alleging the same debt was still owed. I explain the situation and told them it has already been resolved. The people I talked to were beyond rude and almost mean. I have provided proof to them but I am worried about what information they have. They have had multiple complaints and even have been known to threaten people. I want this issue put to bed and their shady business penalized. I am happy to provide any additional information needed.
09/28/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 344XX	Web
This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.
03/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10040	Web	Older American
Re : Unifin/XXXX XXXX I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law. 1. Their letter, attached, has a default date of XX/XX/XXXX. 2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 3. I think the original debt was a payday loan. 4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court. 5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB. DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
11/02/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 61821	Web
I filed complaint XXXX In their response they materially lied that my phone number was not blocked at two of their contact points. Original text from the earlier complaint, " They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. '' Original text from their response, " Further, Unifin has not blocked XXXX XXXX phone number from calling Unifin. Please contact us with any additional questions or concerns. Sincerely, Unifin , Inc. '' This is materially untrue. As of XX/XX/2023 I am still blocked from both numbers and unable to contact them for additional questions or concerns. When attempting to upload video evidence of the blocked calls the complaint form provided a XXXX error inside the upload file element. I'd provide a photo of that error but am equally unable to do that.
11/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33907	Web
I received a phone call from this company, Unifin , Inc. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.
05/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77521	Web	Servicemember
On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.
05/12/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94583	Web
On XX/XX/2021, I spoke to male, believe his name was XXXX. Stating he was attempting to collect a debt for XXXX. He offered a settlement amount, I advised him I am not familiar with the his company, or the company he claimed to be the original lender. I asked him to send me validation of debt. He informed me a settlement offer was already sent to me. I advised him I have never received mail correspondence from his company and asked him to provide me, by mail, validation of debt. He said he will just tell me by phone to refresh my memory and said, " What's the point of sending your validation of debt if you aren't going to pay when offered a settlement. I asked him if he was refusing to provide the validation he said, you aren't going to pay it anyway. He ended the conversation with " yeah right '' and hung up.
07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	TX 775XX	Web	Older American
UNIFIN is the name of the so called debt collector with ref # XXXX said I owed over {$7000.00} on a loan I made in 2003. I said and it is takling you 16 yrs to try to collect on a loan I never made? Well, he said, is your name XXXX XXXX, your email is XXXX XXXX is your SS # XXXX, I said where did you get this info, and he changed the subject quickly. Even told me waht my phone number is. Their phone is XXXX and said I need to pay ASAP and their fax number is XXXX. I said your are not getting a penny as I never got nor needed a loan in 2003. He replied he will do more investigating and call me back. OMG They have all my info. Please remove my persoinal info above if you publish. YOUR NEXT STEPS ASK IF I AM THE ACCT HOLDER, NO I AM NOT, NOR HAVE I EVER BEEN, BUT I CANT CONNTINUE WITHOUT SAYING YES?????????
09/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46062	Web	Servicemember
On XX/XX/20 at XXXX p.m. I was called by someone asking for a XXXX XXXX. I told them that this was not that parties number. The person advised me the call was being recorded. She said she would not remove my number unless I confirmed or denied if I was XXXX XXXX. I asked if they were a debt collector and they would not tell me. I have never co-signed or otherwise had any debt with a XXXX XXXX. The fact she refused to remove my number is illegal in it's own right. So at XXXX I called back and spoke with a XXXX. I asked him who he worked for and he said Unifin. Unifin is a debt collector and this is another clear violation. They were using a spoofed number of XXXX, however once he gave me the name of his company I figured the rest out. I did record the call as well, but can't attach it for some reason.
08/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23434	Web
On XX/XX/2023, a business I was not aware of retrieved {$120.00} off a a prepaid card that is used to transfer money to and from my bank account. I then called the company I have a card with they informed me they couldnt do anything until the action was in pending status for 24 hours until it was completed, and could resolve in a dispute. I then went on the internet to look up the business to retrieve information I called and reached out to see what is this or what matters it regards to. I am unaware of who this company is and I did not authorize any purchase with I asked if I could receive a refund they said no, I retrieved a email XX/XX/2023 asking me to sign for the purchase but the purchase was completed XX/XX/2023. The prepaid card has now open an dispute as of XX/XX/2023 and its still ongoing.
03/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92646	Web	Servicemember
Collections Agency Unifin XXXX InXXXX on behalf of XXXX XXXX XXXX is attempting to unlawfully collect on a debt. The Reference number is XXXX. The debt in question was discharged in Bankruptcy XXXX case # XXXX which was discharged on XX/XX/XXXX in the state of TX XXXX A letter sent to my home address dated XX/XX/XXXX states that there is money owed and pending legal action was implied by referencing a Judgment that has been entered against me. This statement is false and misleading which is in violation of the FDCPA as there is no debt owed and there is no judgment outstanding for this debt. It is also my understanding that debt collectors are not able to sue on time-barred or out of statute debts. The statute is 4 years in the state of California and the letter states the debt is from XX/XX/XXXX.
04/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OK 74115	Web
On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and Unifin ( they were hired by XXXX XXXX XXXX XXXX said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the Zero balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a zero balance letter, but they only seem to be having me run around in circles
02/18/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OR 97301	Web
Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
07/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 951XX	Web
I received a collection letter from UNIFIN dated : XXXX UNIFIN asking me to pay {$2000.00} for XXXX XXXX Credit Card debt ( The debt owner is XXXX XXXX XXXX ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from UNINFIN-See attached Letter and documents. Then I received another ( 2 ) letters from XXXX XXXX XXXX dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is XXXX XXXX XXXX ) This so confusing and its stressing me out, both debts are owned by XXXX XXXX XXXX, and I do not recognize this debt at all, and they are not providing me with enough information.
09/11/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 28734	Web	Older American, Servicemember
Became totally XXXX, lost my home and all income sources. I explained this to credit card companies, that I no longer have the means to pay the debt. Most said they would charge off account. Now between 20 & 25 yrs. later, I'm threatened with judgement & severely damaged credit rating, as of yesterday, from XXXX to XXXX, excellent too poor now. The original debt was $ 5K on the card, Now they want $ 12K. I explained to all debt collection agencies, I no longer have the financial means to pay the debt owed. The financial, physical & mental hardships have been insurmountable & only becoming worse as I age. I never asked to be here in this situation, but still being abused for something I never wanted or asked for. I want a counter claim for damages for abuse of the XXXX & elderly.
12/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21044	Web
Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?
05/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01844	Web
XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from Unifin collection agency stating that they bought the XXXX debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. This account was open fraudulently.
08/01/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33617	Web	Servicemember
I keep getting weekly phone calls from UNIFIN. When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question. I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. Now that is where I stated enough is enough I need to file a complaint.
09/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web
I received a Collection Letter Dated XX/XX/2022 from Unifin , Inc. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with XXXX XXXX XXXX XXXX. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by XXXX XXXX about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from UNIFIN about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92672	Web
I received this letter on XX/XX/2021 from UNIFIN stating that I owe for a bill that I opened an account 15+ years ago. I feel this is a threating action from this company as I have had my credit dissolved and currently only owe for 2 items 1 credit card and 1 XXXX XXXX card. I contacted XXXX XXXX and they quickly responded to me by giving me your information and also to contact the Attorney General in California. It seems as though this company is opening passed credit history that has been closed. The bill they sent to me does not have a description of what the item is. I feel this is unfair since this has been cleared from my credit report. I love all that I have read that you do to help consumers. Thank you. Thank you for your time.
10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94306	Web
I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. Now I'm receiving statements from a debt collection agency called Unifin. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
12/05/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27612	Web
Unifin working on behalf of XXXX XXXX XXXX XXXX Unifin has called me several times from several different numbers about several different credit cards for XXXX XXXX XXXX XXXX. While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/XXXX and he did not have anything on file. XXXX for XXXX XXXX ( they called today after they were told on XX/XX/ to stop calling ).
04/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28348	Web	Servicemember
My wife and myself received phone calls from a XXXX. The company identified itself as Unifin. They were looking for a XXXX XXXX. I advised them my name was XXXX XXXX and that the person they were looking for does not exist and was a mixed file and identity theft issue that was resolved 8 years ago. Further my attorney XXXX XXXX attempted to contact them to inquire on the validity of the debt and they declined and refused to provide a mailing address or verification of the debt. They continue to call and I am filing this complaint along with retaining XXXX XXXX to sue for damages again. Ive completely complied with the FCRA and asked for verification, yet the company refuses and continues to harass me.
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98107	Web
On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from Unifin collections agency for an unpaid XXXX XXXX debt of {$1800.00}. When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94611	Web
I have uploaded all of the following documentation to show record of the original debt collector Unifin on behalf of XXXX XXXX XXXX XXXX offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector XXXX XXXX XXXX XXXX which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?
11/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80134	Web
I paid off my debt for : UNIFIN INC . XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. Debt was supposed to be paid off and also supposed to be deleted off my credit report. After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. COLORADO IS A ONE PERSON CONSENT STATE.
06/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92504	Web	Older American
On XX/XX/XXXX Received letter of collections from XXXX regarding XXXX Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take XXXX. After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX County Superior Court, posted XX/XX/XXXX Case # XXXX
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92377	Web
XXXX XXXX has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, XXXX XXXX sold it to another collecting agency unifin inc who is now the owner of the account. Well, XXXX XXXX is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from XXXX XXXX that this debt is verified as mine and they did not respond within 30 days. Its been XXXX months.
10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web	Servicemember
The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
07/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	HI 96744	Web
On XX/XX/2020 I recieved a letter from Unifin, Inc. indicating I had a past due account. They are attempting to collect a debt that the statuate of limitations has expired. They have represented in a deceptive way that the debt is still owed. They have placed the notice that the statuate of limitations has expired on the debt on the back of the first page of their letter. They further have placed the print indicating that there is a second page in an area that makes it easy to not notice it. This is very obviously an attempt to comply with the law while attempting to conceal important legal information from consumers.
04/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76011	Web
This is an attempt by XXXX XXXX XXXX, and Unifin, to collect a debt NOT owed, and that I believe is a result of fraud. The original account was from XXXX XXXX. I have been fighting this company to delete this account for over 5 years. The account is for cell phones. I have NEVER had a contract or any service dealings with XXXX. EVER. This has been disputed directly with this company, dusputed online, disputed with XXXX XXXX All to no avail. We are getting nowhere and I need help. I keep getting letters about the debt in XXXX and im XXXX XXXX male who does not even speak XXXX. I cant even read any correspondence.
01/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33024	Web
I received a notice to collect a debt from UNIFIN for XXXX forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from 2008 so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX & XXXX. I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.
04/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78410	Web
I received a text message ( XX/XX/23 ) that read : Welcome to Unifin! Call us about account # XXXX at XXXX or at https : //unif.in/act Msg & Data Rates may apply . Reply HELP for help. Reply STOP to stop. I have no unpaid debts and have credit monitoring which shows no collections on any accounts associated with me. The accounts with balances that I have are on auto-pay and I just checked to ensure that they still are- they are. So I believe this is a scam or an attempt at harassment. I have also not received any letters through the US mail about debt. I did not reply to the text.
06/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32606	Web	Older American, Servicemember
A letter of Intent to collect a debt was sent to me from : UNIFIN, Inc. ( XXXX ) XXXX E-MAIL : XXXX Unifin REFERENCE # XXXX, Debt. Description : XXXX XXXX " Original Acct. # XXXX '' " Original Creditor XXXX XXXX '' " Current Creditor : XXXX XXXX XXXX XXXX '' `` XXXX XXXX Ref Number : XXXX '' " Amount Due : {$880.00} '' " Proposed Discount Offer {$440.00} or 3 monthly payments of {$190.00} '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Since my first Wireless phone service, back in XXXX, until today, my PROVIDER has been XXXX and NOBODY else ever.
03/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45231	Web
On XX/XX/XXXX I received a letter from a debt collection agency Unifin Inc . This letter states that they are attempting to collect a debt from the year XXXX on behalf of an original creditor known as XXXX XXXX XXXX XXXX. However, due inaccurate information because I was a victim of identity fraud the debt from the original creditor was removed from my credit report in XXXX ; in which I have documentation to show proof. I would like for the debt collection agency to cease and desist for which this debt is not valid and has already been removed.
03/21/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 223XX	Web
I have received text messages from this company with no description of the supposed debt. There is a line at the bottom of the text that says " reply STOP to stop texts '' I have done this twice and am not unsubscribed. I do not believe this is a real debt collection attempt. A real debt company would send a letter in writing with the ORIGINAL creditor to the address they have on file. I will not respond to this supposed debt collector until I receive a letter explaining the supposed debt and where it came from. Stop calling and texting me.
03/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web
I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.
06/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
Police report XXXX is attached. XXXX XXXX has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.
10/27/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MI 493XX	Web
I contacted Unifin XXXX times via their online portal and XXXX via chat to ask for documentation of validation for the debt. When on chat I was told they were only a collection agency and didn't have that information. Was also told there is no statute of limitations on debt and it will always be connected to my SSN. I denied this and asked again for validation and they stated they would note I was unwilling to pay. I tried to say this isn't right and they ended the chat. I have screenshots of this conversation.
05/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web
There was a collection account on my credit report. The account was reported by XXXX XXXX XXXX who also sold the debt to multiple agencies. After multiple disputes to all three credit bureaus because I had no knowledge of the debt the account was removed from my credit report by all three credit bureaus. I received a letter recently dated XX/XX/2019 by Unifin Inc reporting the same account for a lesser amount asking me to settle an account I do not owe after the account has been removed almost 5 months ago.
02/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06437	Web
This morning I was rudely woken by Unifin XXXX XXXX I told them that after 7 years they have no right to continue to reach out to me, and the representative has the continued right and will continue to call me until it's fully resolved, they also believe that its back in XXXX, I haven't had a XXXX account since XXXX. Date : XXXX for XXXX debt, but the debt is from the late XXXX, early XXXX, so the information is inaccurate. Amount : {$3100.00} Actions : Will continue to harrass me until satisfied.
09/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35611	Web
This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )
04/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75212	Web
I received a call from a debt collector, UNIFIN, regarding a debt from the year XXXX. This account was paid off in XXXX via a third party. Unfortunately, I don't have this record from 15 years ago. I contacted the original creditor, XXXX/XXXX and they have no record of this account. In XXXX, I was being harassed by XXXX XXXX XXXX and mistakenly made a payment of {$20.00} out of distress. This account is over XXXX years old and was settled over 15 years ago. Amount : {$1500.00}
08/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web
I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. This isn't mine.
01/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 234XX	Web
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
10/17/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	GA 30168	Web
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is trying to collect a debt from XXXX XXXXXXXX XXXX Company name- ( Unifin ) Company phone number - ( XXXX ) XXXX Email - XXXX This company was calling my home phone at first. I spoke to more than one person, informing them that I was not the correct person because they are calling me XXXX XXXX. I had that number disconnected, so now I'm getting emails! Well I'm still the wrong person because my name is not XXXX XXXX.
03/16/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 741XX	Web
Recieved a letter from Unifin Inc. on behalf of XXXX XXXX XXXX XXXX in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
03/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93610	Web
i got a letter from unifin that i owe XXXX and i do not owe any company any money. im gon na also dispute this account by mail and by email and im filing cfpb report. you cant put a collection on my credit report that i do not owe i already have a ftc report and police report and ill dispute it with XXXX and XXXX and XXXX if you try to be sneaky i might even file a small claims in court easy money per fcra laws XXXXXXXX XXXX XXXX XXXX
09/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KY 42101	Web	Older American
On XX/XX/XXXX of this year, I received a letter from Unifin about a 15yr old debt. It included interest and fees more than double what the debt is. It also stated that a judgement was brought against me in XXXX of which I have no knowledge or can't remember. It does not list which court. This debt is not on any credit report and is over 15yrs old I contacted the credit report agencies and they don't see it on any reports either.
11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73701	Web	Servicemember
My rights has been violated and described in the affidavit thats attached. I have received numerous phone calls and letters in the mail about a debt that this company is attempting to collect. It has been reported on my credit report since XX/XX/2021. I have also received multiple phone calls after informing them to stop. That is another violation. My most recent phone call from them was on XX/XX/2021 at XXXX XXXX XXXX XXXX time.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23666	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
01/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 342XX	Web
This bottom feeder debt collection agency which purportedly purchases debts for pennies on the dollar is attempting to collect an alleged debt. The alleged debt is time barred from any credit reporting which they should already be aware of. Furthermore, I received a letter dated XX/XX/2023 from this company. By way of this complaint, the business is to cease and desist all communication tactics. Reference number : XXXX.
02/03/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI XXXXX	Web
Unifin is calling my phone asking me to verify my social number and refusing to answer my questions about the legitimacy of the business. They stated they have a personal matter with me. I told them if you are a business then you have a business matter with me. I asked to speak with supervisor. Even supervisor was bo help. I just want to know who they are and what do they want? XXXX is the number they call me from.
10/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45431	Web
Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.
03/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 327XX	Web
I received a debt collection letter in the mail today from Unifin. The letter shows XXXX XXXX XXXX as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.
05/26/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30265	Web
I received a call from XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.
09/02/2022	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66061	Web
Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.
04/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
This debt collector is attempting to collect an alleged debt that is now time barred from credit reporting or a lawsuit, thus, they purchased it for a few pennies on the dollar. By way of this complaint, the business can cease and desist text messaging, US Mail letters or any other communication tactics. Further, the business should not be forwarding this another " friend in the business ''.
08/31/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55418	Web
They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.
10/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75115	Web	Servicemember
XXXX XXXX I received this letter from this company about a debt that they perceive is owed, I sent them a letter stating that I want proof of this debt based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I sent the letter certified and they refused to accept and sent me back my letter of dispute.
12/01/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30331	Web	Servicemember
XXXX XXXX sold a bad debt to Unifin , Inc. Unifin Reference Number is XXXX. I have never signed a contract with either company for any service. Because they don't have an original copy of a contract with my original signature showing that I made an agreement with their companies, they must remove any and all of this incorrect information from my credit report immediately.
12/19/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27501	Web
On XX/XX/22 at XXXX a email was sent to my mother in regards to a debt they are collecting from Unifin , Inc. it gave my personal information, amount owed of {$160.00}, and that they were a debt collector trying to collect a debt. I am not a minor and so my parents should not have been contacted in regards to this, let alone all the information to me on this.
08/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 470XX	Web
Please see attached documents showing schedule of debtors and the collection account. This was discharged in the XXXX XXXX bankruptcy. The date of original debt is XXXX, you have to include ALL debt in a XXXX. The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. This is criminal behavior!
05/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
I received a letter from a collections agency that I owe almost XXXX to XXXX XXXXXXXX XXXX. Ive never heard of that bank and never taken any loans from it. If this bank has contacted an agency to collect a non-existing debt, then this lender engages in fraudulent practices and must be investigated. I could be just one out of hundreds of scammed people.
01/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80204	Web
I received a debt collection notice on XX/XX/XXXX for an old bank account dated back to XXXX. One I dont even recall having my bank account in a bad status when I closed the account and too how can they send me any notification saying I owe debt for XX/XX/XXXX ( over 16 years later ) I was told this is against the law and they cant do that.
10/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33327	Web
I saw a report on my credit history of an account on collection and a derogatory mark on my credit without even knowing about debt, that happened on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that I owe an x amount to a cellphone operator which I didn't know I had without even giving me the chance to review it.
08/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 714XX	Web
Unifin keeps calling and messaging me about a debt I do not owe. I just recently turned XXXX ; I don't even have a credit card and have never taken out a loan, not even student loans. They have absolutely no reason to be contacting me. Many other customers have lodged complaints about them and frankly this is ridiculous.
03/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07010	Web
On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
02/02/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19154	Web
On XXXX XXXX XXXX an email from UNIFIN, phone number XXXX XXXX XXXX, to someone I know to collect a debt. The email gave my name and what the debt was from and the amount. Email had all my account information in it and also asking me how to pay debt. Email was never sent to my email address on file just my relative.
06/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90250	Web
This debit was a fraud and was taken off due to it back in XXXX as this does not even match my name. This debit is also aged out, showing from XXXX, and violates the fair credit act of fraud and aged debt. They are also texting me, which I have never agreed to. Please remove all postings and cease contact with me.
05/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web
UNIFI is trying to collect a debt from another debt collection agency that is past the statute of limitations. XXXX XXXX is claiming i owe a debt to them, i am unaware of what this is. XXXX XXXX yet to provide verifying information to attach me to this debt. This debt is also past the statute of limitations.
03/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95966	Web
Received a letter from UNIFIN - current creditor is XXXX - {$12000.00}. Saying its from my current bank XXXX XXXXXXXX XXXX . However I bank with them and I do not owe them anything. I have a current open account with them. And Ive never received any thing from them asking me or telling me that I owe them.
07/05/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44124	Web
I received a letter from Unifin, trying to collect a debt from another debt collector, XXXX XXXX. The debt is for an old XXXX XXXX card. I believe it is past the statute of limitations for collection, being over six years old. The letter I received does not mention that the debt is uncollectible.
09/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20659	Web
Received three mailings in the past 45 days for debts in 3 different individuals names that do NOT live at my address. I still have two of them. I threw the other one out. The two I have now have other people 's names on them that I do NOT know. They do NOT live here. I have lived here for 20 years.
05/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web
Received spam text message from Unfin! welcoming me. XXXX their phone number and came up as a company that collects student loans and medical debt. This was the first communication I received ; nothing was received by XXXX not was a given a notice with my right to dispute.
02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20735	Web
I was contacted on XX/XX/XXXX, XXXXXXXX XXXX by text, I looked up the company and XXXX said it was debt collection agency, I replied HELP and for help and then requested a debt validation letter. It is now XX/XX/XXXX and I still have not received a debt validation letter.
10/11/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	PA 15236	Web
I contacted XXXX at the company multiple times and she informed me her manager was handling these issues and removing me from the collections. It has never happened and the debt collection company keeps contacting me... I want to be removed and never contacted again...
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 852XX	Web	Servicemember
This attempt for debt collection is from a 3rd party trying to represent XXXX XXXX. I have not had XXXX XXXX as a provider for over 3 years. I switched carriers 3 years ago yet they are still trying to collect a false debt which is affecting my credit.
02/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92026	Web	Servicemember
Unifin continues to contact and harass me about a debt that is not mine whatsoever, and is well past the statute of limitations ANYWAYS. This is ridiculous and one would expect a company like this to know the laws at the very least.
10/09/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 90405	Web
I got a phone call today at XXXX XXXX and they asked my name and my 4 last digits of my ssn. I asked who is calling and they refused tell me. They said they are collector agent from a XXXX bill.
09/12/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 903XX	Web
Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me.
01/22/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OH 44124	Web
Unifin keeps harassing me even after I told them to stop calling. I am going to hire an attorney to stop these efforts. So many calls, and they better not report me to the CB 's.
08/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MD 20747	Web	Older American, Servicemember
XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN
07/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89102	Web	Servicemember
UNIFIN INC IS TRYING TO COLLECT A DEBT THAT I DO NOT RECOGNIZE REFERENCE # XXXXI AM ON SSI AND MY INCOME IS FEDERALLY PROTECTED, I WOULD LIKE A VALIDATION OF THIS ACCOUNT.
11/17/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32608	Web
They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.
03/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 15212	Web
I received a letter/notice from Unifin regarding a debt owed for {$810.00}. I did NOT have this kind of charge EVER! I am disputing this and will not pay it!
03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 16801	Web
I received a test from Unifin, a debt collection agency about opening an account. I have never opened a Unifin account, and I don't know anything about it.
01/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92407	Web
Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all XXXX credit bureaus.
07/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 076XX	Web
Company has sent a letter in the mail about collecting {$950.00} from unknown debtor. No further details have been supplied in the undated by UNIFIN, Inc.
03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93611	Web
I XXXX XXXX do not owe this company any money. I do not have a contract signed. Im dispute this account before they try to place it on my credit report
03/29/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33709	Web
On XX/XX/21 at XXXX calls received from UNIFIN XXXX XXXX after repeated requests to stop calling. Would not state reason for call or who was calling.
04/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web
Received a letter from a collection company stating I owe the a sum of {$2500.00}. According to the letter it is from an XXXX account I never opened.
11/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web	Servicemember
Someone is using my identify. I never own an account with the creditor. The debt collector is refusing to verify the debt and a harassing me.
09/23/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20003	Web
A representative called me and did not disclose the company name when I asked specifically and repeatedly to know what company was calling me.
10/24/2023	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	CT 06704	Web
Unifin is sending me text messages at XXXX XXXX which is not a reasonable time to text anyone regarding debt.
01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 301XX	Web
When I call the phone number listed on the letter, it doesn't work. I don't know what the debt is for.
06/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70056	Web
I have no idea who this company is. I didn't receive enough information to verify the debt.
05/23/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32073	Web
Receiving several text daily from this company. Will not provide any information why.
05/23/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32073	Web
Sending text and calling constantly. Calling my wife constantly as well.
07/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30241	Web
I never had a XXXX XXXX phone I been using Wi-Fi for 3 years
01/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30260	Web
This debt is from over XXXX ago
02/03/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 288XX	Web

01/25/2024	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	ME 04605	Web

01/19/2024	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29715	Web	Older American

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78249	Web

12/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33573	Web

12/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38801	Web

12/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60110	Web	Servicemember

12/07/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	ME 04554	Web

11/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32738	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

11/13/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	PA 19401	Phone	Older American

11/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48207	Web	Older American

10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web

10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 07598	Referral

09/15/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	GA 30721	Web

09/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92582	Web

09/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91222	Web

08/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77539	Web

08/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	ID 83651	Web	Servicemember

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17034	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98802	Web

07/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

07/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web

07/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11411	Web

07/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97303	Web	Servicemember

06/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web

06/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 290XX	Web

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92264	Phone	Older American

06/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15644	Web

06/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85345	Web	Servicemember

05/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78945	Web

05/31/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33870	Web

04/29/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 14411	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 96002	Web

04/05/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	VA 22401	Web

03/27/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	ME 04474	Web	Older American

03/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web

03/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web

03/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90064	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20871	Web	Older American, Servicemember

02/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07083	Web

01/22/2023	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	ME 04474	Web	Older American

01/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94577	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75249	Web

01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95747	Web

12/28/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AK 99507	Web	Servicemember

12/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44070	Web	Servicemember

12/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31006	Web

12/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19144	Phone

11/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30014	Web

10/27/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AP 96319	Web

10/18/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NJ 07041	Web

10/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03062	Web

10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31216	Web

09/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36362	Web	Servicemember

09/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VT 05401	Web

09/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36067	Web	Servicemember

08/27/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 46350	Web

08/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77043	Web

08/20/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85635	Web

08/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77043	Web

08/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20707	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 13760	Web

07/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 73025	Web

07/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21206	Web

07/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08812	Phone

06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14108	Web

06/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85713	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60503	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93313	Web

05/03/2022	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76207	Web

04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33915	Web

04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20721	Referral

03/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19805	Web

03/11/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92804	Web

03/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89081	Web

02/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92407	Web

02/05/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33029	Web

01/20/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30434	Web

12/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MI 48111	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20735	Web

11/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92705	Web

11/08/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33027	Web

10/04/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85383	Web	Servicemember

09/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53222	Web

09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08638	Phone

09/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32937	Web	Older American

08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48228	Postal mail

08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90650	Phone

08/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21208	Web

08/14/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23111	Web

08/13/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33472	Web

08/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92596	Web

08/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 49201	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95153	Referral

07/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00949	Web

06/12/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CT 06114	Web

06/08/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 18017	Web

05/21/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30308	Web

05/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NH 03063	Web	Older American

05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21076	Web	Servicemember

04/22/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60156	Web

04/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20772	Web

04/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22191	Web	Servicemember

04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48234	Referral

04/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 99141	Web

04/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20904	Web

03/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95835	Web

03/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23002	Web

03/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 62002	Web

03/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

03/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90022	Web

03/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89130	Web

03/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 15126	Web	Older American

03/16/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 65738	Phone

01/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60618	Web

12/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43046	Web	Servicemember

11/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71330	Phone

11/02/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92646	Phone	Older American

08/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47840	Phone

07/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11050	Web

07/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone	Older American

07/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01040	Web

07/09/2020	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 10027	Web

03/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89044	Web

02/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78041	Web

02/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91384	Phone

01/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15212	Web

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83651	Web

10/30/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29445	Phone

09/24/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 72082	Referral

06/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web

03/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47840	Phone

01/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39501	Web

09/07/2018	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91701	Web

08/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

07/19/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer		Phone

05/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97042	Referral

04/17/2018	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account status incorrect	OR 97306	Referral

04/08/2018	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 Was not notified of investigation status or results	OR 97306	Web

03/26/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29223	Web

01/24/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CA 92807	Web

12/17/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98445	Web

01/31/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	ID 83648	Web	Servicemember

05/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77357	Web

01/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 23059	Web	Servicemember

11/27/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OH 44706	Referral	Older American

11/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43231	Web

10/02/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 77084	Web

09/30/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 77084	Web

09/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43147	Web

04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33132	Web

02/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48439	Web	Older American