davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (NJ)

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX   and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

I received an update from my credit report that alerted me a new debt was now on my credit report. The debt says it is from Pmab , LLC from a XXXX XXXX XXXX XXXX for {$280.00}. I never received anything from XXXX XXXX XXXX XXXX   disclosing any information about a debt, I also never received anything from Pmab LLC disclosing any information concerning a debt associated with XXXX XXXX. I tried to call Pmab LLC on XX/XX/XXXX, I let them know this was not a debt I owed, they kept telling me who it was from and I stated I haven't been to a XXXX XXXX XXXX XXXX. That got me no where! I've attempted to have this information sent to me via email or mail with no results. Even IF I had ever went to an emergency room or Dr visit, my insurance has a copay, I pay the copay that is on my insurance card and nothing more ( unless it's a prescription ), this {$280.00} doesn't add up to any copay or visits. They say it is from XX/XX/XXXX, why have I never received anything until it alerted on my credit with false information?! It sounds to me as if they're trying to just get money which is not owed to them.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (IL)

The company continues to call me after several statements telling them to stop calling me from a local number when they are not a local company. I previously explained that I would not talk to them because I could not verify they were with the company because the number did not search as belonging to them nor did they have an office in my area. They continued to call from the same number. They also continue to call my office after being told not to because I can not accept personal calls at my place of employment. 

Last call answered was XX/XX/2022 Calls to my employer have been daily.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX
Consumer complaint received 2021-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc. (NY)

I Received a call from XXXX XXXX from Cbj Credit Recovery Inc stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, The bill was paid in full and I provided proof to. This company have over 500 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my way of living. Thank you.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. 
Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXXXXXX 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 XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( Experian XXXX XXXX XXXXXX/XX/XXXX ) ( Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) 15 U.S.C. 1681 Section 602 A states I have to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (VA)

The company XXXX XXXX XXXX is reporting inaccurately to the 3 major credit reporting agencies that I have an outstanding debt to them. I have contacted them in writing by certified mail repeatedly for validation of the debt and to date I've received nothing. Furthermore, I was never notified in writing of this debt and therefore, I never had by the opportunity to dispute it before it was inaccurately reported to the credit reporting agencies. Also, I believe upon receipt of my correspondence, they were legally obligated to notify the credit reporting agencies that the account had been disputed which they did not.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Hello, My name is XXXX XXXX, I am an XXXX XXXX XXXX male student, I have realized and tried to get my credit score from various places and still have found no hope in doing so, I have been recently notified by my plan with XXXX that my credit score is XXXX, which is surprisingly low and shocking for a student that has not taken any loans whatsoever and have been in the united states for almost XXXX years now as a citizen I would like to receive and know why my credit score is significantly low. 
thank you!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a XXXX XXXX year old consumer Enclosed A COPY OF MY TRANSUNION AND XXXX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE XXXX REPORT ON TRANSUNION CREDIT REPORT ARE XXXX XXXX XXXXXXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX  XXXX XXXX XXXXXXXXT ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to XXXX in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX  breach
Consumer complaint received 2018-08-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (NC)

I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

In XX/XX/2018 I submitted a dispute to Experian, XXXX and XXXX regarding a credit card that was not mine ( XXXX XXXX XXXX  ). XXXX XXXX XXXX in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX XXXX any money. This account is showing negative on my credit report.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

My credit monitoring account showed a debt collection from TRANSWORLD SYSTEMS INC at {$160.00}. Not once has a company given me a written notice or a bill of such telling me anything had to be paid. They have no proof of any notice because none was sent to me. This needs to be fixed
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

i am a XXXX XXXX year old consumer Enclosed A COPY OF MY XXXX AND EQUIFAX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE EQUIFAX REPORT ON XXXX CREDIT REPORT ARE XXXX XXXX XXXX, XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED )XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to equifax in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL  XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited an IRS tax refund check in the amount of {$4600.00} to my Chase checking account via mobile deposit on Friday ( XX/XX/year> ) morning around XXXX. I got an email from Chase that they accepted the check, but the fund won't be available until XXXX, which is 11 days later. I need my tax refund to pay expense asap, so I called Chase, which provides no reasonable explanation. One agent told me that Chase need to contact " Federal Reserve '' to verify the check. I then visited local branch for a resolution. The front desk of Chase local branch couldn't provide a reasonable explanation either, but asked me to wait. Totally frustrated, I called in Chase again at XXXX and asked them to cancel the check deposit because I'd like to deposit the check at another bank. Chase agent said they can not cancel the deposit because it's a check deposit by mobile app, then they direct me to some kind of expert line where I waited for XXXX min but no one answer. I eventually hang up and send a secured message to Chase to ask them to cancel the check deposit. Chase practice of holding a government issued check for 11 days is really unacceptable. Neither it provide a way to customer to cancel the deposit when Chase can not make the fund available in a reasonable time.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Genesis Credit management company has contacted me a number of times indicating that they are collecting a debt regarding for a property management company for an apartment I lived in from XXXX of XXXX - XX/XX/XXXX. I initially received a notice indicating that I owe {$830.00} to XXXX XXXX XXXX. Then I was told I owe over {$1000.00} to Genesis Credit Management. I've spoken to them on 2 separate occasions trying to understand why they believe I owed this amount of money and trying to determine a manageable payment plan while still disputing that I owe anything. I asked why the amount owed jumped from {$830.00} to 1060. One representative told me that they could settle for {$840.00} if I paid that day. The 2nd representative I spoke with today told me that the additional fees were interest fees. I advised that it's not customary for a debt collector to charge interest fees. He indicated that it should state that in my lease. I found my lease. I do not see that it mentions any sort of interest payments on a default in payment. When I told him that I felt I was being bullied and that there was no way I could come up with a lump sum payment of $ XXXX dollars, he twisted my words stating that I said I would never pay anything. If you listen to the " recorded line '' that he references, I state several times that I'm willing to pay what is owed. I requested for the 2nd time with the first being a phone call a month or so ago, an itemized list of what damages are being requested. He confirmed my email address, and told me that he would send me that document. I have received nothing. I'll also note that the company that they are alleging to collect the debt on behalf is no longer managing the apartment complex. I've reached out to the current management company, but they have no records of anything prior to their taking over that property. Therefore, there's no way to know if whatever document they supply is valid. I assert that Genesis Credit management is engaging in unethical business practices. They are trying to force me to pay a debt that they can't prove that I owe. They are charging me " interest '' when there is no documentation of them having the right to do so. They are using their ability to produce a derogatory remark on my credit to make me overextend myself financially to pay a debt I likely do not owe nor can they prove that I owe and have the audacity to charge " interest '' on said debt. This can NOT be acceptable. Please advise.