davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (PA)

you guys are giving false or inaccurate information knowingly and willfully because it is public records. My rights were violated on multiple charges on purchasing a red XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VIN XXXX I called on XX/XX/XXXX, at XXXX pm just to verify some information regarding that vehicle I wanted to make sure you are into the truth of lending act meaning Regulation Z I was told yes from the manager Regulation Z means you guys are required to disclose information about all charges associated with a loan. So I went to ask the manager about the downpayment he said it is required that i ask does everyone has the same downpayment as me he said no it's based on your credit and how much you make under 15 USC 1662b - that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. meaning if you do not charge anyone else the same downpayment that's a violation of 15 USC 1662b. Then I went on to ask about you guys ' Finance Charge, I asked will there be a Finance Charge I was told yes so I said okay my finance charge would cover my down payment and the sum of all charges including insurance. 15 usc 1605 - Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. I told them that I'm here to do a consumer transaction I'm here to extend my credit to you guys and I know that Im the original creditor. You guys are doing unlawful business knowingly and willfully because it is public records. Under 15 USC 1611- gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section XXXX  ( a ) ( XXXX ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Credit Karma (NJ)

Received today XXXX XXXX several text alerts with codes to a credit karma account. I do not have credit karma. Contacted credit karma who could only tell me that there is not an account in my name. Would not answer if someone was using my number for another account. I also contacted lifelock and experian who told me there is nothing they can do unless the account is in my name.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

My account was withdrawn over {$8000.00} for two purchases that I went in the store for and was told by two associates that the process will take 24 hours. I came back the next day I was then told by the general manager. That she wasnt sure as to why her employees told me that it took 24 hours and then when she looked on my account that it says the funds were given, I immediately let her know who the employees were and that I did not receive anything, she reviewed the CCTV footage and seen that I did not receive anything at that moment we contact the authorities I was told to file a claim with my bank and I also found a police report which I gave to my bank just for them to tell me that they can not send me any credit so Im without XXXX and Im just confused as to what I can do from here. Please help me.
Consumer complaint received 2023-08-31
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-29
Product: Credit reporting 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. (IL)

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence, I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (OR)

Company claimed I owed them for a cable debt and that I was reporting living in New York. I told them I was not they requested I send my copies of personal information and felt very much like a scam. I told them they needed to prove my identity for opening they hung up. Recently they put a collection for XXXX and a XXXX account. I have filed a police report XXXX
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I will not stop making complaints until my money is returned. The laughable investigation process that Wells Fargo takes does nothing for their customers. No matter what you say no matter how you go about getting your money back that is rightfully yours they just send you to the next person and the next person and the next person with no results with no real answers with no explanation. What I am requesting is that they show me how they got in contact with the merchants and what proof did the merchants show that I received goods or services for the money that was charged. I have been battling Wells Fargo for over 7 months to get my money back. When my information was stolen they were able to get into multiple of my accounts XXXX and XXXX XXXX have refunded me my money Wells Fargo will not respond back with anything but their reasoning which is none. They refuse to accept the fact that I did not authorize nor make the transactions. Therefore if I made these transactions I want them to show me what I received for the money that the merchants charged my card for. The response I got from the claims department was that I need to get a hold of the merchant and deal with it myself and I have explained to them on so many occasions I can not even count that I can not get a hold of any single Merchant that charged my card that I am disputing the charges I can not find them on XXXX I can not find them anywhere I don't know how to get a hold of these Merchants because I don't know who they are. Wells Fargo should be investigating their charge back or unauthorized transactions thoroughly and if they were doing so then they would be able to recognize and see that no Goods or services were exchanged therefore I am owed my money back I will keep complaining to the Consumer Financial Protection Bureau as well as the FDIC my State Attorney General and any other company that I possibly can because of their disgusting business practices. All you see is story after story after Story of Wells Fargo denying claims no real evidence or proof given and them just sending you to the next person to the next person so that you give up and the greedy corporate corrupt giant that they are continues to gain revenue on customers that they are supposed to protect.
Consumer complaint received 2023-08-31
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. (NY)

My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. XXXX. 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 XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

I called the company on XXXX at the request of my bank and requested a 10 day pay off letter. They refused to provide me with this. Stated that I could just send them the amount due on my next billing statement. I explained that I was having the bank issue a check to pay the balance and did not want to accrue any further interest. They continued to refuse to provide me with the payoff letter. My bank issued a check to the company in the amount on the statement. The tracking number provided shows the company received the payment on XXXX. The payment has not yet been posted to my account which has now accrued an additional {$100.00} in interest charges. I called the company and they advised me that they are not required to post the payment to my account until the XXXX, regardless of the fact that they have the payment. Therefore allowing them to continue to accrue interest charges. I do not feel that I should be responsible for any interest that has accrued beyond the amount that the check was written for considering they refused a 10 day payoff letter and are now refusing to post the payment to my account
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (IA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$580.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX XXXX that you are reporting in my credit report
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I have been dealing with a PayPal credit charge. I returned an item and never got my refund from the seller. I have submitted a complaint through here already and they gave me very vague information and have not responded back to me since then. 

According to their terms of their purchase protection program, I was to : Have an account in good standing, which I did at the time of the dispute. 

Pay using PayPal, which I had done Attempt to resolve the issue with the seller, which I did Respond to PayPals requests for documentation, which I did Open a dispute, which was done multiple times Not have received a recovery or agree to an alternative, which I did not The phone number they passed on to me takes me directly to their debt collector who can't help me with my situation. 

When I call PayPals customer service, I can never get a hold of anyone who can give me a straight answer or pass me to someone higher up to help. 

The last thing I was told, other than my dispute being in the " incorrect category '', was that I wasn't eligible for a refund because I was communicating with the seller. I was told this over the phone by two associates who were helping me at the time. They had refunded my money and then taken it away multiple times and claim it's for the reason of having the communication they require me to have with the seller in their terms and conditions.
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION (ID)

The primary loan is a XXXX XXXX loam that allows subordination in case of divorce to remove a XXXX and keep the low rate. Truist Bank is over inflating debt, refusing to count income that are on taxes and bank statements. They will not provide any evidence or detail breakdown of the underwriter 's calculations. I make over $ XXXX per month of income, verifiably through W2, K1 and Rental Properties with signed leases and only have a first and second mortgage equaling $ 4000 month for debt. No auto loans, no credit card debt. They added on my daughter 's entire college loan to my debt because I covered one payment for her when her debt card was lost and cancelled. They refused to admin income from a lease for because the leasing party was one of my companies, yet they counted the debt out of the company but not the income on the personal side at {$3500.00} per month. This is an XXXX rental being ran through an XXXX which leases and pays me personally to abide by tax law. Truist will not say what the income or debt calculations are and refuses to show their numbers. They misappropriate an entire HELOC loan as due in one year. They refused to correct numerous errors in the application that I pointed out. I have all of this documented on emails.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous 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 and XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-31
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (PA)

The caller identified as being with " XXXX '' regarding a flexshopper account. I asked about what the debt was for, and at that point, XXXX minutes into the call, the rep read the required debt collection & recorded call disclosure. The consultant asked me to confirm that I was " XXXX '', which I did, and then the phone rep proceeded to disclose to me my full name, DOB, address, SSN and email and asked me to confirm v. asking me, which is a violation of privacy/FTC/FCRA regulations XXXX
Consumer complaint received 2023-06-23
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. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

I was allowed to close an account because XXXX XXXX XXXX was forcing a change to my plan. Texas law allowed me out of the contract for my rented device at no cost to me. XXXX XXXX  XXXX received my device, then sent me a bill for the remaining balance regardless. I made multiple attempts to get them to correct their mistake. XXXX XXXX XXXX then sold this debt to XXXX XXXX who reported it to the credit bureaus. I warned XXXX XXXX about this and showed them XXXX XXXX XXXX 's own website siting the Texas law and what was supposed to happen. When they did nothing to fix it, I disputed with the credit bureaus and successfully had the item removed from my credit report. XXXX XXXX seems to have sold the debt again to Sunrise Credit Services. When they contacted me regarding the debt, I informed them of the same circumstances and inaccuracies. I provided them all the same information I used in the disputes and I warned them not to violate the FCRA by sending this to the credit bureaus. They ignored my warning and this showed up on my credit reports this month. All are under dispute again and I wish action taken against Sunrise for knowingly providing false information to the credit bureaus.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I deposited XXXX cashier 's checks, XXXX for {$20.00} XXXX {$5.00}, which is a total of {$30.00}, which I endorsed for the XXXX  time. Wells Fargo turned around and return them on XX/XX/XXXX I have been on the phone with several people demanding why they will return. These cashier 's checks came to me from wells fargo and they're telling me that they returned them because they were already cashed. I only endorse these for the XXXX  time on XXXX XXXX XXXX. I feel like Wells Fargo is accusing me of depositing fake checks when they are the ones that actually issue these to me.For refund on fees that I was charged.So that's why i'm submitting this complaint.
Consumer complaint received 2023-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

We sent TransUnion dispute letters and they are not investigating them. They just sent stall emails ( attached below ) please investigate the dispute attached to this complaint do not send any more stall letters or emails.
Consumer complaint received 2023-08-28
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. (OK)

in accordance with the fair Credit Reporting act XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX Has violated my rights...

15 U.S.C 1681 section 602 A. States I Have the right to privacy 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.