davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Recently discovered ( XX/XX/XXXX ) an XXXX of XXXX had been recorded in XX/XX/XXXX relating to a judgment rendered XX/XX/XXXX. 
I was never served nor received any notification in person or by certified mail to appear in XXXX or XXXX. 

The creditor Capital One Credit Cards had finally determined on XX/XX/XXXX that the account and judgment were fraudulent and I was not responsible for the debt in a letter I had received on/about XX/XX/XXXX after several weeks of attempting to obtain evidence. 

Since XX/XX/XXXX, Capital One continually has claimed that a " Vacate of Judgement " had been sent to the court of record, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an order to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prepare " Vacate of Judgment '' and have recorded ; then on XXXX XXXX XXXX, Capital One claims the order to vacate the judgment was sent directly to the court via email on XXXX XXXX XXXX 

In multiple requests, Capital One has refused to provide proof of their claims, nor will Capital One provide a copy of the order to vacate the judgment, stating they don't have the authorization to provide the copies and for me to contact the court. 

It is apparent that Capital One is constructively obscuring all requests to maintain an illegally obtained judgment and don't care about the collateral damage they create by their actions. I further fail to believe they actually have sent an order to create the vacate of judgment to any law firm, or filed the document with any court. I'm of the belief due to the constructive lies and misrepresentations they actually have issued a renewal of the judgment to further their blackmail attempts. Additionally, Capital One refuses to provide anything in writing as part of my requests, however, they require of me to send written requests to discuss the situation. 

This company although acting as if it is above the law, isn't and needs to be severely sanctioned, fined or even shut down.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Account : XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure 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.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (GA)

I have repeatedly told them ( Collections USA ) for the last couple of years that this debt is not mine. In XXXX, someone called me and I explained to him that I did not live at the apartment during that time. He stated he will look into it but I never received a call back. XX/XX/XXXX its was put on my credit and I disputed it. They stated it was correct and sent me an itemized billing statement with dates that were past my move out date and lease. 

I also have called the original creditor. They stated they will investigated but I have not heard anything back. 

I stayed at this apartment ( XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX. Did all of the proper move out procedure with my roommate at the time due to it being a student apartment. I paid the last months rent and turned in my keys on the move out date of XX/XX/XXXX. I also moved to another apartment in XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : XXXX Equifax XXXX XXXX in disputes : XXXX XXXX Account-No Signed Contract with Company.

XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX state they sold account and can no longer collect nor place on my credit file. 
XXXX-They State they sold account and can no longer collect nor place on credit file. 
FINANCIAL ACCOUNT SERVICES TEAM-Collection Account-No Signed Contract with Company. 
CREDIT COLLECTION SERVICES-Collection Account-No Signed Contract with Company.

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been 0 validations provided to prove accounts are valid.

There are Several Inquiries on my credit file that I have 0 affiliation with and have requested removal from all reports and nothing has been removed.

This is harming my credit and has been detrimental to my credit file.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-13
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: CITIBANK, N.A. (FL)

Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A Citibank Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (CA)

Bought out my lease at the Kia dealership. Dearlership told me I did not have any payments left on the lease. Two weeks later Kia Finance autmotically withdrew another payment for the lease. I contacted Kia Finance and they told me the dealership is supposed to inform me to remove auto payments. 

Kia Finance will refund my final lease payment by sending a check at the end of the month. This is a period that they would charge 7 % interest on ; I, of course, am unable to collect on that.

The dealership was wrong about not having any more payments on the lease, but it shouldn't matter : Kia Finance is made aware of lease purchases the day they are complete. There is no reason Kia Finance could not simply cancel the loan payment account in order to avoid any additional automatic payments.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have been file complaints and disputes to these to be resolved and Im been get the run around with these creditors.. as a consumer my rights has been being violated it hinder me from building my credit this not an credit fair act. I finally was able to get some relief when I got an alert for things I had a hard time removing and was took from XXXX and now I would the removed from experian because also contacted experian the same inquiry to remove
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I made a payment of {$13000.00} to my Capital One Quick Silver Card. 
My Card Balance at the time was only {$2800.00}. 

On XX/XX/XXXX, I called Capital One to refund me the Credit Balance in the amount of {$10000.00} in the form of a check as they stated they do not allow for ACH Transfers for Credit Balance Refund. 
Representative said, since you have a new account and since this is a large payment, we will have to wait 30 days before the payment clears. I said okay. 
Shortly after my card was restricted from making purchases. 

XX/XX/2023 I get a letter that I have to verify where the payment was coming from and my identity. 
I submitted my identity and the payment came from a XXXX XXXX XXXX. 

On XX/XX/XXXX, My credit card reflected the {$10000.00} being removed from the account. 

Since Then I have Spoken to at least 5 different representatives, who removed the card restriction and told me i should have a check in hand within 10-14 business days.

One XXXX from Capital one whose id was XXXX XXXX XXXX from Capital one who I spoke to one XXXX XXXX who guaranteed me that i should have the check in hand by XX/XX/2023 On XX/XX/XXXX, I mailed a letter to the address provided to me by XXXX employee ID XXXX XXXX 

Today is XX/XX/XXXX, I called again. Spoke to a woman who transferred me to a supervisor who was unable to help me. that transferred me to another woman who i was explaining everything to and the call got disconnected. 
Later I called back after I didn't get a call back after the disconnect. 
I was helped by one XXXX whose ID Number is XXXX and he basically said the last person who was helping you submitted a form that now doesn't allow us to see what's going on and only that last person can help you and we don't have any way of contacting her or knowing who she is, since you weren't able to get her name and agent ID. 

This should not be allowed by a Major Bank as big as Capital One.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00}.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$530.00} XXXX  XXXX Balance : {$540.00} XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} PXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' KOHLS/CAPONE, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, KOHLS/CAPONE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.