davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (MS)

I completed an application for a HELOC loan through XXXX XXXX and spoke with a rep name XXXX. He stated that I was approved and that they will need to get an appraisal of the property to determine the value. He he pull my credit and also stated that my score was a XXXX and if I could get a XXXX that they could provide a 80 % loan. 

XXXX called back the next week stating that he wasnt licensed for Mississippi and he was going to get someone who was. 

Then I received a called from XXXX XXXX stating that he was a XXXX XXXX rep and was going to be taking care of the file. XXXX then pull my credit again ( twice in 1 week with the same company ) and said I was not approved do to low credit score. The inquiry states XXXXXXXX/rocket mortgage. I did not knowingly speak to anyone from rocket mortgage and did not authorize a 2nd credit pull from the same company in 1 week. 

I received a letter in the mail stating that the reason for denial was because of insufficient collateral. This is not what was stated to me because no appraisal was performed to calculate the equity, which I have {$120000.00} of appraisal equity. 

Due to XXXX XXXX inaccuracy of performance of my file, please delete this inquiry. There were misleading and incorrect information giving to me from the reps such as credit being pulled twice in a week from the same company, and XXXX XXXX 2nd rep ) being a rocket mortgage agent and I was told that credit was being pulled 1 time only and the original representative was not licensed in my state to handle my file. 

Lastly, I received a letter from XXXX XXXX then saying I was denied due to value or type of collateral not sufficient. Although, we never got to to the appraisal process to determine the value. 

Inquiries : XXXX XXXXRocket Mortgage XX/XX/XXXX2023 ( unauthorized credit pull from an unknown company ) This inquiry is for the same loan when my credit was pull on the XX/XX/XXXX/2023. I did not apply with Rocket Mortgage at any time. Please remove XXXX XXXX XXXX XX/XX/XXXX2023 ( Please remove due the the representative XXXX not being licensed for my state to perform a mortgage ) They are responsible for my credit to be pulled twice in a one week time period. 
Please remove I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.
Consumer complaint received 2023-01-09
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (CA)

I submitted a complaint to Halsted Financial regarding the text messages they have sent me attempting to collect a loan debt from check into cash company. There was a problem with my email getting a response from the complaint so I am resubmitting. Another agency called XXXX is attempting to collect the same debt and is on my credit report. As mentioned before, check into cash did not confirm of any debt owed and calls can be traced to verify that. The collections need to be removed from my credit report immediately. This situation needs to resolve. I am not at fault for any miscommunication.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX was taken out of my wells Fargo checking account without my knowledge or Consent. I became aware on XXXX XXXX, I immediately notified my bank, Wells Fargo XXXX department of the theft, I made the complaint and was given a case number of XXXX I was told that the money would be put back into my account writin XXXX XXXX XXXX until an investigation /resolution was made. That never happened. I received a call from a XXXX in late XXXX or early XXXX I can't remember the exact date. The agent was XXXX XXXX XXXX XXXX I called back to Wells Fargo asked for a supervisor in the fraud departmen and i made a complaint,. I was told they would be back in contact and my money would be placed back into my account. that never happened nor did I receive a denial letter or any information regarding an investigation. I've been calling for months with no resolution so on XXXX XXXX I go to wells Fargo Bank to speak with a personal XXXX named XXXX XXXX XXXX XXXX XXXX ) who called the fraud department and was told that the money should have been put back into my account but someone dropped the ball. He's relaying this to me as their telling him what happened and why I hadn't gotten my XXXX XXXX XXXX  Put back into my account and STATED to me it would be in my account with in XXXX XXXX XXXXhat never happened. I returned to the XXXX  on XXXX XXXX I agine speak with the same banker XXXX XXXX he called back to the fraud department to assist me to see what had happened. this time he and I were told that on XXXX XXXX a new case was opened with the new case XXXX he told him that's not true the original case XXXX is why we called and he stated that he and I was told that the money would be put back into my account then we were told the claim was denied on XX/XX/XXXX and that a letter was sent out on XXXX XXXX this is unacceptable I've been trying to get my money from this fraud since XXXX XXXX they never investigate this o trusted this bank to protect me and they did nothing but allow someone to take funds out of my account without my permission and they did nothing for almost XXXX months I need help to fight this and get my XXXX XXXX XXXX  Put back into my account.
Consumer complaint received 2023-08-14
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCountry Mortgage LLC (FL)

In accordance with FCRA, this creditor has violated my rights. Under 15 USC 1681 sec 602 and the Privacy Act of 1974, states I have a right to privacy. 15 USC 1681 sec 604a ( 2 ), it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer plan as late for any purpose.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (GA)

After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX  and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
Consumer complaint received 2023-01-09
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-24
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: Regional Management Corporation (AL)

On XX/XX/2023 I was notified by regional finance that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. Regional finance proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.
Consumer complaint received 2022-11-01
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received credit alerts from XXXX and XXXX with the following message : " A New Tradeline Has Been Opened ''. I opened the alert which shows an account opened with CapitalOne that I do not recognize. The proof is attached. I called CapitalOne but they said they couldn't find any such report. They asked me to report this to the credit bureau.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION STILL SHOWING ALL MY OLD CLOSED CREDIT CARDS AS DEROGATORY THAT WERE XXXX XXXX ( 2 ) YEARS AGO XXXX XXXX XXXX XXXX THEY ARE NOT DEROGATORY. THEY ARE CLOSED
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. XXXX XXXX should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.
Consumer complaint received 2022-11-30
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

I received the attached {$120.00} broadband bill for period XXXX, although I returned my equipment and terminated services on XX/XX/22, in a XXXX store location in XXXX XXXX XXXX 

XXXX confirmed the return of my equipment and the cancellation of my account on XX/XX/22 and when I asked why I was being charged the entire month instead of 2 days, I was told that " they do not prorate monthly service '' and I was expected to pay the entire bill. When I protested, I was told that " that is company policy ''. When I asked for proof of this in writing in any agreement I had with them, I was told again that it is " company policy '', and no proof was provided. 

I have now been sent to collections ( Sunrise Credit Services ), attempting to collect a debt that is not mine.
Consumer complaint received 2023-01-09
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 (TX)

My Capital One credit card ( ending in XXXX ) had a fraud alert on XXXX XXXX XXXX XXXX. I contacted Capital One by phone and verified that I had my card in my hand and the charges were in fact fraud. During the call, I was informed that my credit card was now canceled and I would receive a new card in two ( 2 ) business days, which would be XX/XX/XXXX XXXX   Less than two hours after that phone conversation I received another fraud alert ; this time it was for a card ending XXXX. That number was unfamiliar so I looked at my remaining XXXX credit cards but that number did not match them. I dismissed the alert because I don't have a card with that number. 
I could not stop thinking about that new alert ( XXXX ) so Sunday XXXX, XX/XX/2023 I reached out to Capitol One regarding that alert and told them I do not have a card with that number. The person on the phone said it had been issued YESTERDAY, XXXXXXXX XXXX XXXX I asked them, how is it possible for someone to get this NEW credit card number, less than two ( 2 ) hours after it was issued to me, when it hasn't even been mailed out? They said they didn't know but the new card ending in XXXX has now been canceled and ANOTHER new card would be issued to me. 
I strongly believe there has been a major security breach at Capitol One and it needs to be investigated.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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