BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in reference to the debt collection company, Midland Management , Inc. I formally disputed the debt and requested that the company validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, I have not received the necessary information and documentation to validate that the debt belongs to me and that the company has the legal right to collect such debt. The Federal Trade Commission ( FTC ) has made it very clear and stated that a mere photocopy of a bill does not constitute sufficient validation for debt collection purposes.

It is my understanding that under the FDCPA, Collection agencies are obligated to provide the following information to properly validate the debt : Verification of the amount owed.

Proof of ownership of the debt Evidence that you have the legal right to collect the debt.

As of the present date, I have not received any valid documentation or verification of the debt in question from Midland Management , Inc, despite the legally mandated request for validations and all my efforts of communication to properly validate the debt. I urge Midland Credit Management , Inc to comply with the FDCPA and the FCRA and provide the necessary documentation to validate the debt within the required time frame.

Due to midlands lack of efforts to properly validate this debt, I question the legitimacy of the debt and their ability to collect such debt. Midland Credit Management , Inc. have NOT provided me a copy of ANY original documentation which I requested in my previous written request required per FDCPA 15 USC 1692 and the FCRA under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA.

As stated, before the Federal Trade Commission ( FTC ) has made it very clear and stated that a photocopy of a bill does not constitute sufficient validation for debt collection purposes. A copy of a bill WILL NOT and DOES NOT give Midland Management , Inc. the right to collect this debt in a court of Law this has been stated by the Federal Trade Commission. You must be the owner of this debt. In addition, sense I have never entered into an agreement with Midland Credit Management , Inc they must have a Legal right of ownership to collect this debt. The Purchase agreement will establish this, and I have requested this information multiple times in my previous attempt of validation with Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice in the mail from XXXX XXXX XXXX XXXX indicating that I am subject to debt collection from PayPal. I do not use PayPal and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the PayPal account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to PayPal to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Two of my XXXX XXXX credit card accounts are not reporting on Equifax. They were reporting until XXXX of XXXX  and then they were not on their anymore. I have wrote a letter to XXXX XXXX and Equifax saying these accounts were not showing. I also sent in bank statements to both of them. 

Equifax sent me a letter back saying " The results of the investigation were the disputed items are not reporting on the Equifax credit file. '' But that was the whole point of sending the letter to inform them of that it wasn't. So they clearly did not read the letter or look at the bank statements. 

I called them to tell them about this issue and they told me to wait because they are still investigating. That was in XX/XX/2019 and still haven't responded. I tried to call this afternoon ( XX/XX/2019 ) and was repeatedly disconnected through their automated system. 

I also called XXXX XXXX and said it is on the Equifax because they are doing their part on their end. I also have a letter from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
While reviewing my credit report from XXXX  and Experian, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX  XXXX more than 30 times requesting verification/validation that the collection accounts  belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with Experian and XXXX  several times and each time it came back as verified. Ive also sent Method of Verification letters to both Experian and XXXX. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX**** Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I purchased the XXXX XXXX Teal dress ( Order # XXXX ) from XXXX XXXX   XXXX  for my brother 's wedding and the dress didn't arrive in time. I returned the dress on XX/XX/XXXX and under the return policy, I was eligible for a refund. When I reached out to XXXX XXXX XXXX to confirm that they received the return on XXXX, I didn't receive a response. I then filed a dispute claim with my bank, Ally. Ally said that they would handle the dispute, I just had to submit paperwork and copies of my correspondence with XXXX XXXX XXXX. I did that via email. Today XX/XX/XXXX, I received a letter from Ally saying that they closed my dispute told me to contact the merchant. I then called their customer service line who did not help me. They only told me that I would have to contact the merchant to provide further documentation. I contacted the merchant and they said that there's nothing that they can do and to contact my bank. I am tired of Ally refusing to help me with this issue that has been going on for months. I want my {$150.00} back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment.

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX Equifax and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my mother died and left an IRA in the hands of XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. I was contacted by XXXX XXXX and informed as to what documents I needed to provide to obtain the account as executor of the will and trust on XX/XX/XXXX. Om XX/XX/XXXX I emailed the documents using the XXXX secure server. I called back 2 days later and was told by the woman answering the phone that she didn't see them and sent them again using the XXXX secure server and she acknowledged receipt and would pass them on to Mr. XXXX. Due to a quadruple bypass I was unable to follow up. On XX/XX/XXXX, 44 days after receipt, Mr. XXXX called and said I needed to submit the documents to get the money. I told him I had submitted them 44 days prior through XXXX 's secure server. He suggested that I send them to an unsecure email. I demanded to know where the documents I sent were if they did not go to XXXX 's secure server. Mr. XXXX finally decided to search their system and did locate the documents that had been in his possession for 44 days. He then told me that I failed to have the California notary use XXXX 's wording on the Affidavit of Domicile but had the notary attached a California compliant notary acknowledgement. Mr. XXXX told me that was no good and he had dealt with many Californians and they filled it out and I should do the same. Being a notary, I told him that it was illegal ( although did not cite CA Penal Code 470 ) and that it would be a criminal act to do so. After back and forth arguing and in which Mr. XXXX admitted that he did not know the notary law or procedure. He finally said he would check with his managers whether he could accept a LEGAL AND CALIFORNIA COMPLIANT notary certificate of acknowledgement. He never responded but then claimed that I had supposedly signed in the wrong area. Again none of these complaints by Mr. XXXX were made until 44 days after he was in possession of the documents. 

Right now because Mr. XXXX and XXXX have the documents they required and they know that they are to issue a check to the trust or estate to me they are guilty of conversion by wrongfully withholding the money. Presumably, Mr. XXXX will receiving a sizeable bonus by withholding the funds and boosting XXXX 's assets illegally. 

In addition, Mr. XXXX taped the phone call of XX/XX/XXXX and that tape has been destroyed it should be deemed and attempt to destroy evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation