davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$200.00}
Consumer complaint received 2020-02-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I signed up a new capital one money market 360 account online last XXXX and enrolled the " deposit $ XXXX, maintain for 90 days and get {$500.00} bonus '' program. I'm pretty sure I clicked 'apply now ' on the advertised page and my account was successfully opened at XXXX XXXX, the $ XXXX new money was transferred in on the next day. Unfortunatelly, I haven't seen the bonus today in my account. It seems like there is a system glitch somewhere on the bank side and they refused to honor the bonus while I contacted them with the customer service.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the credit bureaus AGAIN that I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has not updated my credit report to show this account is removed as stated in the response. XXXX XXXX is the absolute worst, due to this unnecessary false information they've refused to remove from my credit report I've filed a lawsuit against their company. Experian and XXXX XXXX received the required affidavit, Experian DID NOT send any information in the mail regarding this disputed account. XXXX XXXX DID NOT complete and investigations nor send the requested information they claim as verified to my lawyer. No one should have to go through this and we are going to make sure better verification protocols are put in place during this lawsuit. 

Experian REMOVE this account.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Filed a dispute through XXXX XXXX on XX/XX/22 and haven't received an update. Called Equafax and was informed they haven't received a reply. I asked for them to remove the collection from my credit because it's been past the 30 days. The customer service rep kept asking if I wanted to submit another dispute, but wouldn't remove the collection from my report. It's been over the 30 days and they haven't replied.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

I applied for a XXXX position and I was told that my background check had some criminal history and was denied. My criminal record was set aside in the state of Arizona XX/XX/2016. my rights were restored and I was released from any disability a XXXX would cause me such as the inability to gainfully be employed. I am a XXXX 's level XXXX XXXX   and having my charges set aside is vital for my profession.
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from XXXX while XXXX knew the debt was flagged as fraud and deleted attached is the correspondence.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/2019 I have opened a dispute with the bank against XXXX XXXX XXXX in XXXX, XXXX for a trip to XXXX paid for on XX/XX/2019. 
The company 's representative cancelled our tour participation while in XXXX as retaliation for bringing up an illegal practice of selling the health supplements as medical treatment with supposed authorization by the US FDA. The dispute was documented in detail including a statement from the FDA in a 14 page fax sent to Capitol One and confirmed received. 
Subsequently the Capital One issued a credit and then check in the amount of the dispute. 
Today I received a letter from Capital One stating that there will be a charge back as the company forwarded a merchant 's statement about the merchant 's cancellation policy regardless of fact that the merchant 's representative cancelled our tour and not us. Subsequently I authorized my husband XXXX XXXX to speak to Capital One dispute dept and my husband was informed that the Capital One didn't even bother to analyze any info sent to the bank by me in XXXX and the notice with charge back was sent out automatically upon receipt of merchant 's response without any analytical input or review of documentation provided prior to this decision. 
It is apparent that the Capital One dispute dept process is fake and actually nobody has read provided documentation and evidence ( this fact was actually acknowledged by the employee XXXX in XXXX, FL service center ) It is apparent that the Capital One 's process is to automatically close the dispute and re-bill the account without any type of analysis or even comprehension of the response determined by submitted docs and evidence. This not only shows bias against the customer using the card that didn't receive the service paid for but it shows the Capital One is aiding and abetting fraudulent activity by the merchant. 
The only excuse and justification for this state of affairs given was that this is an automated system which both defies logic and a common sense. 
It is also very deceptive as it appears that the bank is interested in getting the customer involved in prolonged and long process of dispute in bad faith as it has no intention to either analyze the info provided and provide a determination of the outcome of the case based on documents and evidence provided. 

Two questions : 1 ) why the dispute system is designed this way and what is the percentage of disputes that are determined in favor of cardmembers vs the merchants? 
2 ) what are the employees that have dealt with my complaint ( please provide employee numbers as I want to determine the case flow and who actually made a decision in the process in what time. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

hello, last XXXX of XXXX i was looking for a used car online and came across a XXXX XXXX XXXX  for {$16000.00} with XXXX miles. i got a call from the third-party dealership saying they can get me approved for low interest rate and monthly payments i HAD a credit of XXXX or XXXX at the time. in XXXX or XXXX of XXXX i noticed my loan amount was {$29000.00}. 
{$13000.00} more of what the car was listed for ( {$16000.00} ) I didn't notice this until afterwards i was just so happy excited this was my first loan ever .when i asked the bank why did they give me so much of a loan they told me they were told the car was XXXX plus tax fees ; when i contacted the bank they asked for proof of the vehicle being listed for XXXX and i have it and sent it then i was asked to show proof of the dealership confirming in text messages saying the car was XXXX and i absolutely have that proof also. after i sent all the proof they asked i was told that it wasn't enough to open a case and they're going to close it. my monthly payments were {$750.00} i was given a XXXX % interest rate. i was only able to pay from XXXX XXXX XXXX after that i started having alot of trouble paying they repossessed my car and my personal property in the car also they sold all of my belongings which isn't fair, if there's anything anyone can do to help sue them please contact me thank you also the bank is saying i owe them XXXX. which is ridiculous because the car I received had NO accessories in the car nothing!!! i was charged a lot for something that was nothing i was harassed with numerous phone calls Monday thru Sunday from XXXX. CONSISTANTLY the same XXXX people only call i was ignored about my complaint. i never received all of my paperwork. when i called the dealership the next day about my papers i was told " that's too bad it's not my problem that's yours I'm on vacation in XXXX " i almost forgot this but i told the first representative who called me from the dealership i decline the offer and didnt want the car but then i received a private call about XXXX minutes later stating she was a manager from a bank and i was approved. but come to find out she wasnt a bank manager she was the other representative who worked at the dealership. she was pretending to be a bank manager and lured me into a trap basically.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

This phone number XXXX uses different area codes to contact me. No voicemail is left. 

I looked up the number and states Midland Credit Management. I don't who they are. I am afraid to call in case this is a fraudulent phone call.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Incorrect Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXDEpt of Ed
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (AZ)

There is an account on my credit profile from FIRST PROGRESS CARD with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and the FIRST PROGRESS CARD would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from FIRST PROGRESS CARD as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawful caused harm to my consumer report. This is a request for proof of delivery/receipt that FIRST PROGRESS CARD has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Incorrect Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXDEpt of Ed
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020 midland credit management has reported inaccurate information on my credit report that {$670.00} is owed to them. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I'm a disappointed with XXXX XXXX billing process. My name is XXXX XXXX and my company ( XXXX ) had to called XXXX to call an ambulance services to take me to the hospital. All information was provided to XXXX XXXX yet the system never took down my correct address and Medical Record ID for XXXX XXXX. This occur around XX/XX/2018. 

Because of this mishap, XXXX XXXX was not able to bill my insurance and pushed my billing to a debt collector ( WAKEFIELD AND ASSOCIATES ) which cause a negative impact on my credit score. 

XXXX XXXX and Wakefield stated that they sent mails and attempted to call me but I have never received any phone calls or mails where XXXX XXXX was unable to get my medical id from XXXX even though they stated that they have attempted. I contact XXXX XXXX and then inform me that they did not have the correct address on file for some reason. 

My credit should never had a collection notice on my record which cause a very big negative impact on my credit score because of XXXX XXXX and Wakefield AND Associates. I have already contacted both company and provided my medical id after seeing my credit being ding by the collection notice in my credit report and they stated that it will take 45 - 60 days to have this resolved. In the meantime my credit score is being impacted which i feel strongly that it is not fair
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Merchant, XXXX XXXX, XXXX XXXX, NV, solicited a sample purchase for {$5.00} via an email campaign that did not disclose a requirement for purchasers to make repetitive monthly purchases at 20x the price until cancellation. Order was immediately cancelled upon receipt of billing and the cancellation was acknowledged. Merchant continues to bill repetitively and CapitalOne will not chargeback to the merchant or make good on its fraud protection guarantee. The merchant 's web-site does provide adequate disclosure of a monthly purchae subscription ; but, its email solicitation and purchase confirmation do not. Merchant pretextually provided screenshots of its web-site in a chargeback reversal request and CapitalOne has refused to recognize the difference between merchant 's web-site and the merchant 's email solicitation, the latter being fraudulent. CapitalOne states it only recognizes unauthorized use of credit card as fraud but refuses to recognize that fraudulent misrepresentation is fraud.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted XXXX XXXX XXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete