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2017-11-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.985858 | -0.262901 | -0.455498 | 0.089153 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | Company believes it acted appropriately as authorized by contract or law | TX | 78634 | null | Consent not provided | Web | 2017-11-06T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-08T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.974582 | -0.105751 | 0.020753 | 0.296528 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | Company believes it acted appropriately as authorized by contract or law | LA | 70127 | null | Consent not provided | Web | 2017-11-08T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.986152 | -0.280994 | 0.140062 | 0.28174 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | null | Company believes it acted appropriately as authorized by contract or law | NC | 28371 | null | Consent not provided | Web | 2017-11-13T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-14T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.984536 | -0.150091 | -0.048745 | 0.2619 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of. | Company believes it acted appropriately as authorized by contract or law | FL | 34744 | null | Consent provided | Web | 2017-11-14T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-14T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.781194 | 0.174821 | 0.476663 | 0.47756 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NJ | XXXXX | null | Consent provided | Web | 2017-11-14T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-15T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.986285 | -0.484745 | -0.048745 | 0.150932 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Received notification that a new account was reported to my XXXXn credit report on XXXX/17 XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company.
Never received any sort of documentation in reference to this company. I also called XXXX on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time. | Company believes it acted appropriately as authorized by contract or law | GA | 30168 | null | Consent provided | Web | 2017-11-15T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-16T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.831858 | 0.021372 | -0.017206 | 0.278675 | 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 | I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting. | null | FL | 32822 | null | Consent provided | Web | 2017-11-16T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.834624 | 0.133743 | 0.071965 | 0.346777 | Debt collection | Private student loan debt | Threatened to contact someone or share information improperly | Contacted your employer | Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX. | null | MA | 019XX | null | Consent provided | Web | 2017-11-20T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-22T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.820275 | -0.176801 | 0.384391 | 0.342622 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | null | null | TX | 77084 | null | Consent not provided | Web | 2017-11-22T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-11-25T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.790949 | -0.242924 | 0.188867 | 0.245631 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | null | null | TX | 78745 | null | Consent not provided | Web | 2017-11-25T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-01T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.846942 | -0.403722 | 0.34255 | 0.261923 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Received an alert from XXXX that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points. | null | GA | 30168 | null | Consent provided | Web | 2017-12-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-07T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.975797 | -0.135619 | 0.384391 | 0.408189 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect | Company believes it acted appropriately as authorized by contract or law | TX | 75115 | Servicemember | Consent provided | Web | 2017-12-07T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-07T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.986603 | -0.59697 | 0.443302 | 0.277645 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I contacted XXXX XXXX XXXX ( phone number XXXX ) on XX/XX/XXXX regarding a collection that appeared on my credit report. I was alerted of it by a credit monitoring service I have through XXXX. I had never received a phone call or letter from them alerting me that they were trying to collect a debt or I would have resolved it a long time ago. I am in the process of trying to buy a house, so I would not have allowed a collection to appear on my report.
They did not have any documentation supporting the debt, but they said if I paid it in full they would delete the account from my report and that they would have that deletion request sent to XXXX within 3-5 days. They advised me to contact XXXX XXXX XXXX XXXX XXXX to make payment since they were the company managing the account, so I did. XXXX XXXX XXXX stated that they were waiting on confirmation from XXXX XXXX XXXX regarding the " pay to delete '' agreement and once they had confirmation they would have something sent to me in writing.
The confirmed it and that letter was sent to me by XXXX, XXXX XXXX XXXX, XXXX on XX/XX/XXXX at XXXX XXXX EST. They said they were the debt settlement mediation department. I then made a payment over the phone for {$340.00} using my XXXX XXXX credit card.
Once I paid it, XXXX XXXX from XXXX XXXX XXXX instructed me to email him a paid in full receipt so that he could get started on the deletion process, but no one would send me a paid in full receipt. Instead, I was just sent the exact same agreement.
I then called the mediation attorney at the phone number on the letter ( XXXX ext. XXXX ) and the call went straight to voicemail. I called three more times and the same thing happened. There is n't even an option to dial an extension. I 've called multiple times since then and it does the same thing, and no one will return my call from the voicemail I left.
I started calling XXXX XXXX XXXX again to speak to the manager, XXXX XXXX, that had agreed to delete the account if it was paid in full. I called for about a week and he was never in the office or he was on the phone but he never returned a call. I even emailed him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but he never responded to any emails. I was also referred by the agent who answered the phone to speak to a manager named XXXX, but he also would never return a phone call. I called for him repeatedly also. Finally, on my last call, XXXX came to the phone and said that they never received my money and they claimed no one ever agreed to delete the account from my credit ( despite the fact that I had it in writing ). He said they were going to " do the right thing '', though since I said someone told me that. He then went on to say that they had 30 - 90 days to process the request, and before I could tell him that XXXX XXXX agreed to have it done within 3-5 days, XXXX told me never to call his company again and hung up on me.
I 've tried contacting the mediation attorney at XXXX, XXXX XXXX XXXX, but they are not listed anywhere online, and they will not return my phone call. I filed a dispute with XXXX and sent in the letter from them stating the account would be deleted from my credit report, but XXXX said they could not delete the account based on that letter because it was not signed and because it was not formatted properly. XXXX has tried to contact them and has not been able to get anyone to answer the phone either.
This appears to be a scam and I want this account deleted, as agreed, immediately, and I am asking for your assistance in getting this done for me. It appears as though I have been a victim of fraud. | Company believes it acted appropriately as authorized by contract or law | KY | 402XX | null | Consent provided | Web | 2017-12-08T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-08T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.854919 | -0.643043 | 0.48566 | 0.232512 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I contacted XXXX XXXX XXXX ( phone number XXXX ) on XXXX/XXXX/XXXX regarding a collection that appeared on my credit report. I was alerted of it by a credit monitoring service I have through XXXX. I had never received a phone call or letter from them alerting me that they were trying to collect a debt or I would have resolved it a long time ago. I am in the process of trying to buy a house, so I would not have allowed a collection to appear on my report.
They did not have any documentation supporting the debt, but they said if I paid it in full they would delete the account from my report and that they would have that deletion request sent to XXXX within XXXX days. They advised me to contact XXXX XXXX XXXX XXXX XXXX to make payment since they were the company managing the account, so I did. XXXX XXXX XXXX stated that they were waiting on confirmation from XXXX XXXX XXXX regarding the " pay to delete '' agreement and once they had confirmation they would have something sent to me in writing.
The confirmed it and that letter was sent to me by XXXX, XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX at XXXX pm EST. They said they were the debt settlement mediation department. I then made a payment over the phone for {$340.00} using my XXXX XXXX credit card.
Once I paid it, XXXX XXXX from XXXX XXXX XXXX instructed me to email him a paid in full receipt so that he could get started on the deletion process, but no one would send me a paid in full receipt. Instead, I was just sent the exact same agreement.
I then called the mediation attorney at the phone number on the letter ( XXXX ext. XXXX ) and the call went straight to voicemail. I called three more times and the same thing happened. There is n't even an option to dial an extension. I 've called multiple times since then and it does the same thing, and no one will return my call from the voicemail I left.
I started calling XXXX XXXX XXXX again to speak to the manager, XXXX XXXX, that had agreed to delete the account if it was paid in full. I called for about a week and he was never in the office or he was on the phone but he never returned a call. I even emailed him on XXXX/XXXX/XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX, but he never responded to any emails. I was also referred by the agent who answered the phone to speak to a manager named XXXX, but he also would never return a phone call. I called for him repeatedly also. Finally, on my last call, XXXX came to the phone and said that they never received my money and they claimed no one ever agreed to delete the account from my credit ( despite the fact that I had it in writing ). He said they were going to " do the right thing '', though since I said someone told me that. He then went on to say that they had 30 - 90 days to process the request, and before I could tell him that XXXX XXXX agreed to have it done within 3-5 days, XXXX told me never to call his company again and hung up on me.
I 've tried contacting the mediation attorney at XXXX, XXXX XXXX XXXX, but they are not listed anywhere online, and they will not return my phone call. I filed a dispute with XXXX and sent in the letter from them stating the account would be deleted from my credit report, but XXXX said they could not delete the account based on that letter because it was not signed and because it was not formatted properly. XXXX has tried to contact them and has not been able to get anyone to answer the phone either.
This appears to be a scam and I want this account deleted, as agreed, immediately, and I am asking for your assistance in getting this done for me. It appears as though I have been a victim of fraud. | null | KY | 402XX | null | Consent provided | Web | 2017-12-08T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2017-12-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.983296 | 0.13469 | 0.188867 | 0.435618 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit. | Company believes it acted appropriately as authorized by contract or law | LA | 711XX | null | Consent provided | Web | 2017-12-09T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-12-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.823433 | 0.417816 | -0.017206 | 0.408014 | 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 | My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation. | null | LA | 70815 | null | Consent provided | Web | 2017-12-20T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-12-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.985519 | -0.12535 | 0.387426 | 0.415865 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX
This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | CA | XXXXX | Servicemember | Consent provided | Web | 2017-12-13T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-12-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.977406 | -0.051193 | 0.020753 | 0.315655 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | Company believes it acted appropriately as authorized by contract or law | TX | 77591 | null | Consent not provided | Web | 2017-12-12T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-12-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.978797 | -0.17851 | 0.020753 | 0.27368 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | Company disputes the facts presented in the complaint | PA | 19151 | null | Consent not provided | Web | 2017-12-13T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.990268 | -0.030453 | 0.410404 | 0.45674 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX #XXXX****
XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX
This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | CA | XXXXX | Servicemember | Consent provided | Web | 2017-12-27T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2017-12-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.983803 | -0.198815 | 0.056794 | 0.280594 | 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 | null | Company believes it acted appropriately as authorized by contract or law | PA | 19151 | null | Consent not provided | Web | 2017-12-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2017-12-15T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.983707 | 0.024582 | 0.267149 | 0.425146 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | null | Company believes it acted appropriately as authorized by contract or law | OK | 74135 | null | Consent not provided | Web | 2017-12-15T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-19T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.988094 | -0.302585 | 0.308737 | 0.331415 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | null | Company believes it acted appropriately as authorized by contract or law | null | null | null | null | Referral | 2017-12-19T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2017-12-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.985208 | -0.16201 | -0.048745 | 0.258151 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | null | Company believes it acted appropriately as authorized by contract or law | TN | 38125 | null | Consent not provided | Web | 2017-12-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2017-12-30T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.850989 | -0.156062 | 0.34255 | 0.345826 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | null | null | VA | 20109 | null | Consent not provided | Web | 2017-12-30T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.809623 | -0.224181 | 0.174293 | 0.253245 | 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 | null | null | NC | 27886 | null | Consent not provided | Web | 2018-01-06T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.837118 | -0.227924 | -0.051379 | 0.185938 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | NJ | 07871 | null | null | Fax | 2018-01-09T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.827214 | 0.239075 | 0.064542 | 0.376944 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor. | null | FL | 33916 | null | Consent provided | Web | 2018-01-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-16T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.823554 | 0.563539 | 0.476663 | 0.621252 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by XXXX who has since stated that the debt was fraudulent and have removed me out of their system. now i need deville asset to do the same. | null | GA | 30305 | Servicemember | Consent provided | Web | 2018-01-16T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-17T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.768928 | 0.179866 | 0.020753 | 0.323182 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX credit report. | null | NJ | 07203 | Servicemember | Consent provided | Web | 2018-01-17T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-18T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.831497 | 0.139181 | 0.401183 | 0.457287 | Debt collection | Private student loan debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | I was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed. | null | GA | 30189 | Servicemember | Consent provided | Web | 2018-01-18T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-24T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.844006 | -0.622033 | 0.211692 | 0.144555 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do. | null | WA | 98404 | null | Consent provided | Web | 2018-01-24T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-25T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.839336 | -0.040225 | 0.402873 | 0.400661 | Debt collection | Private student loan debt | Attempts to collect debt not owed | Debt is not yours | null | null | CA | 91387 | null | Consent not provided | Web | 2018-01-25T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-29T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.834325 | -0.489489 | 0.384391 | 0.243076 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents. | null | GA | 30016 | null | Consent provided | Web | 2018-01-29T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-01-31T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.822477 | -0.05966 | 0.02772 | 0.263513 | Debt collection | Auto debt | Threatened to contact someone or share information improperly | Contacted your employer | null | null | PA | 16143 | null | Consent not provided | Web | 2018-01-31T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-01T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.842083 | -0.234194 | 0.153789 | 0.253893 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Didn't receive services that were advertised | On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of.
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ).
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain. | null | SC | 29841 | null | Consent provided | Web | 2018-02-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-02-01T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.854396 | -0.1924 | 0.48566 | 0.382552 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | null | null | AZ | 85138 | null | Consent not provided | Web | 2018-02-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-02-02T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.704545 | 0.059936 | 0.476663 | 0.413715 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report. | null | NY | 11361 | null | Consent provided | Web | 2018-02-08T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-04T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.844979 | -0.09283 | 0.518728 | 0.423626 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | null | null | SC | 29805 | null | Consent not provided | Web | 2018-02-04T00:00:00 | Closed with explanation | No | null | riverwalk financial corporation | 0.994326 |
2018-02-05T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.821512 | -0.68522 | 0.150638 | 0.095643 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive enough information to verify debt | Hello - I received a phone called on XX/XX/2018 from a debt collector called XXXX XXXX XXXX. I did not answer the phone called because i did not recognize the number. When they left a message, it wasnt clear what was about but to inform me they were from XXXX XXXX Bureaus and thats it. They called again on Friday with the same message with no details until they got of hold of me at work. They inform that they were collecting a debt of {$19000.00} for my students loans and when I asked which students loans they stayed they do not know but this was from XXXX XXXX and when I told them okay, I asked one more time from what students loans, they didnt have enough information what was the debt for. Right away she asked if I had the funds of {$19000.00} I inform her no, then she asked how much I make a year. I inform her the annual income. She never ask about my month expense, only my annual income. She inform for XXXX payments of {$1000.00} a month I can pay it off. I inform her if this is a joke because I do not make enough money to pay a debt of a monthly payments of {$1000.00} a month she transferred me over to a supervisor. He as well ask if I can make those XXXX payments and I told him no because I do not make that much money and I had bills to pay - he as well never asked my monthly expenses, just said that for 36 months for {$500.00} bi weekly. The collection agency wasnt working with me basis on what I make minus what I pay in rent to my bills. I inform him as well there is no way {$500.00} bi weekly for every month wont work. They he said dont I have a saving account, asked how much I was getting back in my taxes return and asked me if I can asked someone with {$11000.00} to start the process. This entire conversation was hard for me to focus because I was at work and there was no way for me to figure out what was going on because I inform both of them this is the first time Im hearing about this debt - never received a letter from no one showing me this amount or account number to this student loans. I inform him that I need to look this over to see what I can do - he inform me that I had 4 hours to make a decision and if not he will inform the original creditors that I did not come to a agreement and that the offer will be off the tables. The woman also inform me before she transfer the called over to her supervisor- that within 14 days they will garnish my pay check. That Friday during work - I had to make a few phone calls to see what they were talking about because I never had a debt collector before being so forceful to collect money that I do not have. And they will send me laters first about who they are with account number who the money I owe to call to set payments that works with my monthly expenses. I called my students loans and the U. S of education department and they inform me they do not see anything that was sent to collections agency. I check my credit score and notice a debt collector by the name of XXXX XXXX XXXX XXXX with the same amount of {$19000.00} that I was told by XXXX. I called XXXX about this and they gave me a phone number to call - when I called it was for XXXX. From want I saw on my credit report- XXXX open this account almost 2 years ago and I never received no phone calls or letters until XXXX called me. Im am willing to settle this outstanding debt I have with XXXX but Im never seen a debt collector who didnt have a address on filed. When I looked up XXXX to see what they are about - the site will not open stating that is can be a scam. And the had a PO Box number, when I looked up XXXX website- they also had a PO. Box number, but their website works - and what I read from their site that if I wanted to make a payment I should look at the bill they sent with a account number - which I do not have. Both of these debt XXXX are not giving me any information or some type of letter regarding this amount and I do believe that they do not have the right to ask me to make a large amount payments that I can not afford as they did not asked my expenses and garnish anything as Im trying to figure whats going on and they best payments I can afford at the moment. | null | IL | 60618 | null | Consent provided | Web | 2018-02-05T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-05T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.822829 | -0.168649 | 0.340737 | 0.331639 | Debt collection | Private student loan debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you. | null | RI | 02906 | null | Consent provided | Web | 2018-02-05T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.955412 | -0.078361 | 0.2984 | 0.391817 | Money transfer, virtual currency, or money service | Debt settlement | Confusing or misleading advertising or marketing | null | null | Company believes it acted appropriately as authorized by contract or law | null | null | null | null | Phone | 2018-02-06T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-08T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.847494 | -0.110085 | 0.466718 | 0.401376 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | null | null | TX | 77479 | null | Consent not provided | Web | 2018-02-08T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-02-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.84837 | 0.163293 | -0.461567 | 0.183365 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I do not have a contract with this XXXX XXXX. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed. | null | TX | 78754 | null | Consent provided | Web | 2018-02-09T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-02-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.848345 | 0.228524 | 0.457786 | 0.511552 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX XXXX XXXX is attempting to collect a fraudulent debt. This account was opened in my name as a result of identity theft. I have contacted the collection company and they have been exceptionally rude and threatening when I have tried to explain to them that this is a fraudulent debt. I have also notified them that the date of the debt that they are attempting to collect is more than 7 years old in addition to the fact that the debt does not belong to me. They continue to threaten me and talk rudely and nasty on the phone. This is not my account and it is as a result of fraud, and it is beyond the statue of limitations for them to even try to collect if it was not a fraudulent debt, but it is INDEED Fraudulent | null | GA | 30144 | Servicemember | Consent provided | Web | 2018-02-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.826957 | -0.104497 | 0.064542 | 0.262334 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | SC | 29150 | null | Consent not provided | Web | 2018-02-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.844365 | -0.082023 | -0.32172 | 0.146874 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report. | null | ID | 83440 | null | Consent provided | Web | 2018-02-13T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-14T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.849598 | -0.225718 | -0.169413 | 0.151489 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | null | null | TX | 75002 | null | Consent not provided | Web | 2018-03-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-15T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.797615 | -0.028776 | 0.384391 | 0.38441 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas. | null | TX | 76116 | null | Consent provided | Web | 2018-02-15T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-15T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.82641 | -0.55975 | 0.30074 | 0.189133 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit. | null | AR | 722XX | null | Consent provided | Web | 2018-02-15T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-26T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.821637 | -0.356568 | 0.22585 | 0.230306 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Hello, My issue is with XXXX XXXX. XXXX. I 100 % believe this is a scam collection agency. I graduated from XXXX College XXXX. DeVille says my account was opened in XX/XX/XXXX and it's a private collection. They contacted me XX/XX/XXXX to make payments on a account that is worth {$22000.00}! I have sent money ( {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX ) I tried on many different occasions to contact the company, but the number was always to a different company. I also sent them a letter in the mail XX/XX/XXXX stating my new home address I received NO RESPONSE. I became Extremely Suspicious XX/XX/XXXX when this so called " TEXAS BASED company called me on a Saturday Morning from a XXXX WASHINGTON DC BASED phone number! What company calls on a SATURDAY MORNING from a completely different number? I will no longer send them any money and I WANT THIS FAKE COMPANY OFF MY CREDIT REPORT!! | null | DC | 20032 | null | Consent provided | Web | 2018-02-26T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-27T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.836951 | -0.237373 | 0.150638 | 0.250072 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | IL | 60707 | null | null | Postal mail | 2018-02-27T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-02-27T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.839976 | -0.077916 | 0.55795 | 0.440003 | Debt collection | Auto debt | False statements or representation | Impersonated attorney, law enforcement, or government official | null | null | TX | 79924 | null | Consent not provided | Web | 2018-02-27T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-02-28T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.837642 | -0.443084 | 0.167149 | 0.187235 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive enough information to verify debt | I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back. | null | AZ | 85050 | null | Consent provided | Web | 2018-02-28T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-01T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.824376 | -0.569308 | 0.082758 | 0.112609 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated. | null | NC | 28358 | null | Consent provided | Web | 2018-03-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-01T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.845341 | 0.275446 | -0.048745 | 0.357347 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I am disputing this collection account for several reasons. The original creditor was a school named XXXX XXXX XXXX, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote XXXX XXXX letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics. | null | FL | 32817 | null | Consent provided | Web | 2018-03-01T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-02T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.841286 | -0.610925 | 0.360618 | 0.196993 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I noticed this company on my XXXX credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt. | null | GA | 30044 | null | Consent provided | Web | 2018-03-02T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-03-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.85174 | -0.26442 | 0.033112 | 0.206811 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Received a statement with a {$1100.00} balance owed from some ficticious company that turned over account to them ... there is no such account for which I owe | null | CA | 95240 | null | Consent provided | Web | 2018-03-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-03-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.78598 | -0.340539 | 0.379557 | 0.274999 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Re : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TXXXXX Dear Sir or Madam ; I disputed the referenced account above on ( XX/XX/XXXX ) .The credit report of ( XX/XX/XXXX ) and your report # shows results these items was deleted from the credit file.Now I notice these items have been reinserted on my credit report.
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA? 611, Procedure in case of disputed accuracy [ 15 U.S.C.? 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification.This is a serious violation of the FCRA, and I reserve the right to pursue further action.Your agency may avoid such action by immediately deleting this listing from my credit report.
Thank you XXXX Please see enclosed letter from XXXX through XXXX XXXX and other agreements made between XXXX and myself not being responsible. | null | TX | 75501 | null | Consent provided | Web | 2018-03-09T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-10T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.846067 | -0.197612 | 0.166401 | 0.271619 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | null | null | AZ | 85043 | null | Consent not provided | Web | 2018-03-10T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.819754 | -0.054138 | 0.22585 | 0.330489 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | null | NC | 28208 | null | Consent not provided | Web | 2018-03-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.815199 | 0.06218 | 0.464386 | 0.447255 | Debt collection | Federal student loan debt | Attempts to collect debt not owed | Debt was paid | The loan is currently being paid, however I have been notified by XXXX XXXX XXXX XXXX. on XX/XX/XXXX that I owe {$160.00} from an unpaid balance from XXXX College XXXX XXXX. I left this school about 10 years ago and advised the school I was dropping out. They never said anything about an unpaid amount. They never once tried to contact me about any debt I owed in all of these years. The school closed a couple of years ago. Then I received a letter claiming I owe this random company money from XXXX. I called them on XX/XX/XXXX and was rudely given a number for XXXX which is their sister company. I wanted to dispute this claim and both workers from XXXX were very rude. They told me to call XXXX which I did and I spoke to XXXX who was a little confused about the situation and stated XXXX bought old debts from different colleges and was forcing everyone to call XXXX. I informed him of the situation and he told me to continue to dispute them on it he also deferred the amount for now. I also emailed them of my dispute on this date and did not receive a reply. On XX/XX/XXXX I received a letter dated XX/XX/XXXX with writing saying I had 30 days to pay my amount and they dropped 25 % down to XXXX and they would not renew the offer. With the letter was records of everything owed and everything paid. When I checked the balance on the documents it said {$0.00} in two places! I also did all of the calculations multiple times and had an accountant look it over, which they stated the amount is also {$0.00}. I emailed the email address in the letter and it bounced back as undeliverable, so I tried another email. I am waiting on a response and will call again tomorrow on XX/XX/XXXX. | null | CA | 912XX | null | Consent provided | Web | 2018-03-13T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-14T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.839533 | -0.164193 | 0.431145 | 0.368828 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | null | null | TX | 75071 | null | Consent not provided | Web | 2018-03-14T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-03-17T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.817515 | -0.235282 | -0.235798 | 0.115478 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I received an alert from my credit report from that a new account was opened in my name but I've never heard of XXXX XXXX XXXX. They came up on.y credit report and I want to dispute and find out who and what this company is and why they are reporting to my credit. | null | NY | 10475 | null | Consent provided | Web | 2018-03-17T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.72887 | -0.573616 | 0.384391 | 0.179881 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | This is not my account. Has been removed from credit file. And return under other credit collection agency | null | TX | 782XX | null | Consent provided | Web | 2018-03-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.825322 | 0.243693 | 0.534823 | 0.534613 | Debt collection | Federal student loan debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | XXXX XXXX XXXX, ( XXXX XXXX original creditor ) put two collections on my credit report unlawfully because the debt was discharged in bankruptcy. I called the company when I noticed the collection was put in my credit report and informed them this debt was discharged in bankruptcy and requested them to remove it. They said they would note that I am disputing the collections. I disputed the two collections with the CRAs and they came back as verified. Then on XX/XX/2018 XXXX called from XXXX XXXX XXXX and was still trying to collect money from me to " take this off my credit report '' I then told the customer service representative that I don't owe this debt and it was discharged in bankruptcy. When these collections appeared on my credit report, I was in the middle of getting pre-approved for my first home and was denied because of this inaccurate information. | null | IL | 60653 | null | Consent provided | Web | 2018-03-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-21T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.838356 | 0.016141 | 0.340737 | 0.398411 | Debt collection | Private student loan debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | null | CA | 91730 | null | Consent not provided | Web | 2018-03-21T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-21T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.845034 | -0.094483 | -0.05138 | 0.233057 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | GA | 30564 | Servicemember | Consent not provided | Web | 2018-03-21T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-21T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.840728 | 0.462999 | 0.288117 | 0.530615 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive notice of right to dispute | Company is claming i owe XXXX dollars for a school loan not paid.
All the debts were paid to them and dept of edu when money was taken from my tax return. Ive tried several times to fix this with the company, its ruining my credit.
I never recivied any mail, calls or info about this debt until it appeared on my credit report. | null | CO | 80003 | null | Consent provided | Web | 2018-03-21T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-21T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.838776 | -0.045549 | 0.256376 | 0.349868 | Debt collection | I do not know | Took or threatened to take negative or legal action | Seized or attempted to seize your property | null | null | MD | 21014 | null | Consent not provided | Web | 2018-03-21T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-22T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.845637 | -0.335873 | -0.048745 | 0.153673 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm. | null | AK | 999XX | Servicemember | Consent provided | Web | 2018-03-22T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-24T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.815688 | 0.082025 | 0.476663 | 0.458126 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | 1st dispute XX/XX/XXXX {$5100.00} with XXXX 2nd dispute XX/XX/XXXX/XX/XX/XXXX {$5100.00} with XXXX-inXX/XX/XXXX 3rd dispute XX/XX/XXXX {$5100.00} with XXXX XXXX 4th dispute XX/XX/XXXX {$5100.00} with XXXX XXXX one credit agency took this negative information off my credit due to they found it was opened without my knowledge, also i asked for this negative information to be removed because the contract cancelled due to the original owner sold this account and filed it on their taxes cancelling out any debt owed to them. | null | GA | XXXXX | null | Consent provided | Web | 2018-03-24T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-24T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.845123 | -0.274185 | 0.457786 | 0.342908 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.
Federal Trade Commission # XXXX | null | TX | 77590 | null | Consent provided | Web | 2018-03-24T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-26T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.82438 | -0.21161 | 0.082758 | 0.231843 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | null | FL | 33313 | null | Consent not provided | Web | 2018-03-26T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-26T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.777564 | -0.204635 | 0.020753 | 0.197894 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | " As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] Azar, 874 F. Supp. at 1318. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act See that XXXX XXXX XXXX ignored this fact and showed no proof, which is a clear violation of this : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Also this : 1. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). Letter from Federal Trade Commission ( FTC ) Attorney XXXX XXXX XXXX to XXXX XXXX XXXX stating that reporting a devt to a CRA constitutes a collection activity under 1692g ( b ). Several cases have relied upon the FTC letter as persuasive authority that reporting a debt to a CRA is a collection activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., et al., If this is not deleted by XXXX XXXX XXXX immediately by XXXX XXXX XXXX I will swiftly turn this over to national FDCPA, FCRA attorney XXXX XXXX for the potential FCRA/TDCPA violations which offer treble damages. Also this, was GAP INSURANCE refund deducted for what you and XXXX have reported to my credit reports ( i.e. false reporting ) and In Texas any holder attempting to collect on a motor vehicle retail installment contract must have a XXXX XXXX XXXX XXXX. You DO NOT | null | TX | 75501 | null | Consent provided | Web | 2018-03-26T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-28T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.843756 | -0.120041 | -0.048745 | 0.22499 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | null | null | TX | 77573 | null | Consent not provided | Web | 2018-03-28T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-29T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.818875 | -0.669461 | 0.082758 | 0.077391 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once | null | TX | 76180 | Servicemember | Consent provided | Web | 2018-03-29T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-30T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.794415 | 0.025008 | 0.530219 | 0.449881 | Debt collection | Auto debt | False statements or representation | Impersonated attorney, law enforcement, or government official | On XX/XX/XXXXI notice a collection on my credit report from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Texas XXXX. in the amount of {$7600.00} for a car loan charge-off closed account which was stated open XX/XX/XXXX on my XXXX XXXX report andXX/XX/XXXX on my XXXX report .I reached out to this company by certified mail on XX/XX/XXXX and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited 31 days and reached out to the company again via certified mail onXX/XX/XXXX still with no luck. On XX/XX/XXXXI check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section 392.101 and the surety bond was canceled on XX/XX/XXXX I need this company to validate this collection account they have placed on my credit report stating I owe them any help from the CFPB would be gladely appreciated because this company is not responding to any of my letters nor are the legally authorized to collect third party debts in Texas | null | TX | 75224 | null | Consent provided | Web | 2018-03-30T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-03-31T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.771504 | -0.420381 | 0.020753 | 0.123959 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | The debt collector XXXX XXXX originally opened the debt collection on XX/XX/XXXX for the amount of {$12000.00}. I don't recall being contacted by XXXX in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX. | null | OK | 731XX | null | Consent provided | Web | 2018-03-31T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-02T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.833378 | 0.129226 | 0.290317 | 0.41764 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | null | TX | 76180 | Servicemember | Consent not provided | Web | 2018-04-02T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-03T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.82534 | -0.129237 | -0.017206 | 0.226299 | 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 | I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report. XXXX XXXX XXXX responded stating that they received payments from me. I never made any payments to XXXX XXXX XXXX. All of my payments were to XXXX the original creditor. I have documentation to prove my payments and that the account has a {$0.00} balance. | null | TN | XXXXX | null | Consent provided | Web | 2018-04-03T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-03T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.825917 | -0.138046 | -0.017206 | 0.223555 | 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 | I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report. | null | TN | 38135 | null | Consent provided | Web | 2018-04-03T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-06T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.78236 | -0.034628 | 0.290317 | 0.346016 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | null | TX | 76180 | Servicemember | Consent not provided | Web | 2018-04-06T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-09T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.835581 | -0.440754 | 0.020753 | 0.138527 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | Contacted the company regarding apparent debt starting in XX/XX/ 2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA. | null | TX | 77070 | null | Consent provided | Web | 2018-04-09T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-11T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.781336 | -0.101215 | 0.290317 | 0.323479 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | After speaking with the company and submitting a prior complaint, I researched and called the Secretary of the State and this company isnt bonded in the state of Texas to collect any debt. I have obtained a certificate from the state that has this information enclosed and will attach the document to this complaint. I would like for this item to be deleted from my credit report with all 3 bureaus immediately in fairness of my rights with the state laws along with the laws and regulations of the FCRA. This company has caused financial hardships and making it difficult for credit worthisness. | null | TX | 77070 | null | Consent provided | Web | 2018-04-11T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-11T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.842881 | -0.187289 | -0.32172 | 0.111291 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice. | null | NC | 27613 | null | Consent provided | Web | 2018-04-11T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-11T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.816283 | -0.114174 | 0.020753 | 0.240954 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | FL | 33313 | null | Consent not provided | Web | 2018-04-11T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-11T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.819515 | -0.391233 | 0.064542 | 0.164275 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I received a call from XXXX XXXX stating that XXXX XXXX XXXX was reporting on my credit report as in collections. The amount shown to be in collections is XXXX. The address of XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Tx XXXX and their telephone number is ( XXXX ) XXXX. I do not know who these people are and after speaking with them they could not verify any information. Please have them delete my information from XXXX. | null | GA | 30236 | null | Consent provided | Web | 2018-04-11T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-12T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.81726 | 0.415704 | 0.064542 | 0.432502 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit. | null | OK | 736XX | null | Consent provided | Web | 2018-04-12T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-13T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.766943 | 0.181111 | 0.462844 | 0.470299 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone. | null | LA | XXXXX | null | Consent provided | Web | 2018-04-13T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-17T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.840364 | -0.15472 | -0.455498 | 0.076715 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | null | NM | 88203 | null | null | Referral | 2018-04-17T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-18T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.835942 | -0.292962 | 0.530219 | 0.357733 | Debt collection | Auto debt | False statements or representation | Impersonated attorney, law enforcement, or government official | I had already disputed this collection about a month ago because XXXX XXXX is using a threatening tactic when it comes to collecting. i was contacted several times by different people saying they were lawyers working with XXXX XXXX and were ready to take me to court.They said to just pay them off and not waste my time hiring a lawyers because i was going to spend more money hiring a lawyer and court fees, i was better off just paying them the money and if not they would start to garnish my wages. | null | TX | 79924 | null | Consent provided | Web | 2018-04-18T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-19T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.818104 | -0.237157 | -0.061454 | 0.173165 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | TX | 78418 | Servicemember | Consent not provided | Web | 2018-04-19T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-19T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.806093 | -0.246029 | 0.384391 | 0.314818 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions. | null | TX | 76116 | null | Consent provided | Web | 2018-04-19T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.820744 | -0.127403 | 0.064542 | 0.252628 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | MD | 20772 | null | Consent not provided | Web | 2018-04-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.840928 | -0.186332 | 0.322037 | 0.325544 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive notice of right to dispute | On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with XXXX, XXXX. I did not receive notification that my account was in collections or was owed to anyone other than XXXX, XXXX. I called XXXX, XXXX and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount. | null | AK | 99515 | null | Consent provided | Web | 2018-04-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.846572 | 0.243381 | -0.169413 | 0.306847 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | Hello, My name is XXXX XXXX and I currently reside in XXXX, Arizona. I am writing to you to explain and hopefully resolve and/or alleviate my financial debt situation which occurred after attending XXXX XXXX in Colorado, which closed for business as of XX/XX/XXXX.
I enrolled in XXXX XXXX Online Program in XX/XX/XXXX to pursue a XXXX XXXX in XXXX XXXX XXXX. I took classes in pursuit of this degree from XX/XX/XXXX-XX/XX/XXXX and was XXXX semesters away from graduating with my degree. In XX/XX/XXXX of XX/XX/XXXX, I was informed by a counselor from XXXX XXXX that I had exhausted all of my Federal Student Loan options and that I was ineligible to receive any more financial aid toward my XXXX XXXX. I was given the option that if I wanted to continue my studies that I would have to pay out of pocket to finish the remaining two semesters I had to complete my XXXX in XXXX XXXX XXXX, or I could switch to an XXXX XXXX in XXXX XXXX and get financial aid to complete the 3 remaining classes that I would need to satisfy the requirements for an XXXX in XXXX XXXX. After hearing these options, and not having the financial ability to pay out of pocket at the time to complete my XXXX XXXX, I agreed to obtain my XXXX XXXX. At that time, I was unaware that XXXX XXXX would be closing their doors as of XX/XX/XXXX. I believe XXXX XXXX misled me and lied to me about my options about finishing my XXXX XXXX. I believe the school knew that they were closing and they left me with an enormous amount of financial debt, and without the option to finish my original degree choice of XXXX XXXX XXXX. The school switched my major to an XXXX in XXXX XXXX which I had very little experience in and knowledge of upon completion of my degree as this was not the degree I was pursuing during the years I attended XXXX XXXX.
I recently reviewed my financial paperwork I had signed with XXXX XXXX I noticed my initial XXXX in XXXX XXXX should have cost $ XXXX in total to finish the program. I took many classes beyond the XXXX XXXX in XXXX XXXX in pursuit of my XXXX XXXX. I only have an XXXX XXXX in XXXX XXXX which has equaled approximately $ XXXX in Federal Student Loans. An XXXX XXXX in XXXX XXXX from XXXX XXXX should have cost me $ XXXX ( as per my signed paperwork ) but I ended up paying twice the amount because the school closed. Currently, I am on an income based repayment plan with XXXX. After hearing that XXXX XXXX closed their doors in XX/XX/XXXX of XX/XX/XXXX, I tried to discharge my Federal Loans, given that I believe I was misled and treated unfairly by this school. I was told that because I wasnt enrolled at the school within 120 days of them closing, that I was unable to get my loans discharged. I wasnt enrolled in XXXX after I finished my XXXX XXXX because I was told I had exhausted my federal student loans and I would have to pay out of pocket to continue my XXXX. At the time, I was not able to afford the out of pocket expenses of finishing my degree, so I was trying to save money in order to continue my XXXX XXXX of XXXX XXXX XXXX. XXXX did not give me any information or options to continue my XXXX until after they had closed their doors in XX/XX/XXXX. I believe I have been treated unfairly by XXXX XXXX. I took so many classes at XXXX and only ended up with an XXXX XXXX. I could have only been in debt with $ XXXX if I originally wanted to get an XXXX XXXX, but yet I am left with over $ XXXX in debt because the school closed.
But this is not all In addition to the school misleading me, I had a private loan taken out by XXXX XXXX on my behalf, which I never agreed to. In XX/XX/XXXX of XX/XX/XXXX, not even a month after finishing my classes, I received a call from XXXX XXXX XXXX. Apparently, XXXX XXXX took the liberty of adding on top of my Federal Student Loan of $ XXXX, an additional $ XXXX for a private loan. Doing research, I became informed that on the XXXX XXXX there is a settlement going out because students at XXXX XXXX were misled and wronged to get into this XXXX program and I feel that I was a victim of as well.
I spoke with XXXX XXXX XXXX regarding the issue I had with this supposed private loan that XXXX XXXX took out on my behalf. I believe this loan is fraudulent. I was unaware of its existence and they have not sent me any paperwork to verify that this loan exists. I asked them to provide documentation about this loan, and they sent me all the paperwork I initially signed with XXXX claiming that my private loan with them is legitimate and that if I dont pay {$25.00} bi-weekly then I would get my wage garnished. Also, they told me that if I agreed to make these payments that they would lower my amount owed from $ XXXX to roughly $ XXXX. Being worried about possible wage garnishment, I agreed to pay the XXXX bi-weekly and have been making regular payments to them for the past two years.
Yesterday, XX/XX/XXXX, I looked at my XXXX XXXX report and it showed there was a recent hit on my report from XXXX XXXX XXXX resulting in a deduction of XXXX points on my credit score, even though I have agreed with the payment they claim I owe, and have been paying regularly {$50.00} payments per month for about 2 years. I have paid around {$1200.00} in total to XXXX XXXX XXXX XXXX I believe this is a scam. I think that I was somehow added onto this loan, but I never signed any paperwork or agreed to it. I have reviewed my paperwork sent from XXXX from XXXX and took time to review the fine print and noticed that there are no documents or signed agreements showing that I got into this XXXX program or even any amount that was funded towards this program.
I am reaching out to figure out the next steps I can take to resolve and or hopefully alleviate my financial debt situation as a result of attending XXXX XXXX. I would like to see if there is a possibility to discharge what I believe is a fraudulent loan with XXXX XXXX XXXX and get refunded everything I have paid to them. I also want to see if there is a way to discharge or reduce my federal loan. I was lied to by XXXX XXXX and was bated into getting my XXXX XXXX just so I wouldnt have an easy time discharging my federal loan. XXXX XXXX knew they were closing their doors and I believe I was treated unfairly as a result of their closure. Also, I know that there is a settlement open with XXXX about this XXXX program and was wondering if it is possible to be a part of this settlement. Thank you for your understanding and I hope I can resolve this situation and alleviate the financial burden this has placed upon me while I was trying to further my educational pursuits. I appreciate your help addressing these matters.
Thank you.
XXXX XXXX | null | AZ | 85710 | null | Consent provided | Web | 2018-04-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.84448 | -0.199828 | 0.166401 | 0.270351 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | null | null | WA | 99301 | null | Consent not provided | Web | 2018-04-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
2018-04-20T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.84709 | -0.196563 | 0.314839 | 0.321788 | Debt collection | Payday loan debt | Written notification about debt | Didn't receive notice of right to dispute | null | null | MA | 02021 | null | Consent not provided | Web | 2018-04-20T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994499 |
2018-04-21T00:00:00 | riverwalk financial corporation | 1976598D | BBG014MBHQZ7 | 0.845116 | 0.618775 | -0.048745 | 0.471715 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX and XXXX should not have allowed this to take place. | null | MD | 21207 | null | Consent provided | Web | 2018-04-24T00:00:00 | Closed with explanation | Yes | null | riverwalk financial corporation | 0.994326 |
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