Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I lived in a Trailer through a company called XXXX XXXX XXXX in XXXX FL in 2018. ( XXXX XXXX ) The first month was free and rent was {$500.00} per month I was XXXX with XXXX children desperate to move so we did. Unfortunately this was the wrong decision and has cost me from being able to rent a home for the past few years. one day at the trailer because we hadn't been there in first two week because my fianc mom has XXXX XXXX so we stayed with her the first week/2. I was cooking dinner for the first time using the entire stove. I had the top stove on using all the burners and the oven to bake the bread we had for dinner. The stove began to smoke profusely and my children happened to notice it. I didn't think much of it because I was standing in the front of it and it didn't look as bad from my angle. My fiance then said that I needed to turn it off because it was starting to smoke up the house. I had no idea that once I flipped the breaker box that the stove would continue to smoke the house out. Because it was on fire. YES on fire from the inside out. You may wonder how on earth do you use the oven and not know that it was on fire.. well I'll tell you how. I called 911 and the fire department had to be rushed out to come and see what the problem was. And to our surprise there was boxers, socks, paper, cardboard and alot of other thing stuffed in the back of the stove. Someone literally removed the back of the stove and put those items in there and put that back of the stove back on. So while I thought I was preparing dinner for my family the entire house was about to burn down. Now I was released from the lease after I reached out to management. I have the copy of paper we signed I also have video proof of all of my said allegations I'm not sure what I am being punished for but my family deserves to live happily and this isn't fair that I've been dealing with this for over 4 years. It's time to close this chapter I have tried to reach out the the collection agency who actually isn't legally suppose to have my debt as they are not licensed in the state of Florida. I also have turned on these allegations and this was removed from two bureaus. But it is still reporting on one. The even bigger issue is XXXX XXXX XXXX ( receptionist XXXX clarified for me that I don't owe them any balance for the address. I also want that address removed from my credit report as I did not reside there for a full 30days the lease was broken after 3 weeks. I have been washing money on applications because I can't move anywhere with this balance on my credit and me and my family could have died I tried reaching out to XXXX who is the person XXXX said would be able to handle things for me but she has been unresponsive and has not responded to any of my messages. This isn't not being handle with any kind os care I have been in direct contact with XXXX over this issue I have spoke to numerous people alike XXXX and the boss and nothing was done. No call back I was told they were looking in the storage to verify months ago. I had to reach out to them to find out what I found out after XX/XX/XXXX which I was advised at a rental company I wanted to rent from. I have so much to say but I'll let the photos and videos do the talking I am so glad I kept up with my documentation because this is insane I wish I could SUE. This house had so much mold, rat droppings old tampon sticks behind the stove. Rats had ate through the wall just a MESS. Oh yeah I forgot to mention the day we moved out I found out that the window was never connected to the wall of the house I attached a photo. It won't allow me to attach the videos I have I will call to get a email to send them all too
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems has reported a collection over a rental since XX/XX/2020. Their client, original creditor, was taken to court due to slumlord conditions in the property that I leased. This lawsuit was settled in XXXX with the debt been waived and released as part of the settlement. This was informed and mailed to the collection agency and they denied my legal request to remove this collection from my credit reports. This has caused me damages, since its affecting my credit score.
Company Response:
State: IN
Zip: 47362
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National credit systems contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The highland bluffs I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-XXXX, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX YEAR OLD THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Company Response:
State: AR
Zip: 72104
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: National credit systems has no respect for the laws. I have already informed them about their violation of the Gramm Leech Bliley Act since they can not provide me with permission they have from me to share my non-public personal information with non-affiliated third parties. National Credit Systems must provide me with documentation that proves they work in house for XXXX XXXX and that they are not just a debt collector or debt buyer that bought the debt with no authority to my personal information or agreement with.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was a student Housing apartment in XXXX Arizona. I signed a lease, I left when I was supposed to. I think the Company who owns the apartment, mixed my room with somebody elses or possibly one of my many roommates that I had within my lease agreement. I never signed another lease. That wouldnt even make sense, why would I have another lease in my name when I was living at XXXX XXXX XXXX XXXX XXXX XXXX Arizona, which I can easily provide documentation for. This is beyond ridiculous, I thought this would have been off my report by now. I have tried to dispute with XXXX and they refuse to take it off my report and verify it valid every time. THIS IS NOT MINE!
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It appears national credit systems reassigned and re aged this account, no verification or investigation to ensure maximum accuracy before reporting. I called several times after XXXX refused to investigate thoroughly because i told them I do not permit the use of XXXX XXXX when disputing this account. I spoke to XXXX at national credit systems, kept me on hold for 40 minutes, very rude and threatened to send me to a supervisor because I asked to update the address on the account in order to recieve the information used to verify this account, XXXX refused to give such information and demanded I call XXXX. Also XXXX refused update my personal info.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collection is from a previous apartment I rented at XXXX forest in XXXX XXXX, Arkansas. After moving out I was charged for a buyout lease along with other fees. Since the lease i had was a month to month lease the termination fee ( buyout ) was removed from the balance. Therefore the original creditors ( XXXX XXXX ) made several attempts to resolve the issue. An email was first sent to resolve the matter in XXXX of XXXX. Since we have not heard any communication back from National Credit Systems to get a correct balance. Move forward to XX/XX/XXXX a first round of dispute was mailed to National Credit Systems. In response I was given a copy of my balance before it was corrected. Therefore I moved forward in mail to get validation on the balance. After asking for validation I can not seem to get a response. I did reach out to management of XXXX forest again to see if they could try again for a response. One of their leasing agents messaged their SODA hoping this route could get a response ( XX/XX/XXXX ). Most recently I tried to dispute through XXXX XXXX to see if I can get a better solution. None has worked for me. Attached photos are the email sent from XXXX XXXX, and two dispute receipts from XXXX XXXX recently. I would attach the mail being sent but I do not have a copy of those. I hope we can come to a solution from this matter.
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A