davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I'm XXXX XXXX military and I use USAA as my primary bank. I made a purchase online on XX/XX/2021 for just under {$3800.00}. The company I ordered from pushed back my XXXX XXXX  about once a month until they stopped responding to me around the end of XXXX. That's when I contacted USAA to dispute the charge on my card, since I never received what I ordered as well as was unable to contact the original company to request a refund. I was instructed that I was outside of the 90 day window to file a dispute through the app or over the phone, so I needed to physically mail an explanation including all supporting documents. I never heard anything back from USAA so I called them back in XXXX. Was instructed to mail everything a second time since they never received anything. I got distracted by XXXX  and realized in XXXX that I never heard anything back from USAA again XXXX I was once again instructed to email the documents since that was the only option they had for me to start a dispute with them. After paying for priority mail with tracking they finally received my documents. A dispute was started, but it was shortly followed up with a request for the shipping dates I was expected to receive my merchandise ( I included this in the packet of documents I sent them ). I called and was instructed to send the requested documents electronically through their app. After getting confirmation that the documents were received, I began the month long wait to hear anything back from USAA. I received a document stating that because I never provided the requested information, they had no choice but to deny my dispute. I called USAA again, explained the situation, and was told to send the documents again while on the phone and the customer service lady would reopen my case. I would like to point out that it is impossible to contact anyone that makes the final decisions for disputes, I'm only given a mailing address as the contact method to reach said individuals. I received a document from USAA the same day the case was reopened, stating that the case was closed again due to a lack of information supporting my claim. After calling USAA today, and informing them that I am submitting a complain through the CFPB, I was told that the customer service representative can clearly see that I have sent the requested documents multiple times and that it must be " something in the system flagging my case '' and rejecting it. What's mindboggling to me is you can research the company I was scammed by and you can instantly find numerous other individuals that never received the products they ordered. This whole ordeal has convinced me that USAA 's policy is to frustrate it's members until they give up on their efforts to seek resolution.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

I have reported this problem before a few weeks ago and Wells Fargo only prays on me when my acct balances are low. But now on both accts they assessed overdraft fees on items that did NOT cause my acct to go negative due their excuse of " night time processing ''. One acct ending in XXXX, they assessed a {$35.00} insufficient fee balance after auto transferring a {$1.00} to clear the item that posted. My balance on the acct at the end of the day was {$0.00}. Then they posted a {$35.00} NSF fee and now my other pending transactions that I deposited money in my acct for them to clear will be insufficient causing me to accrue more fees. Again on my end, my account only ever is shown in the positive. Secondly my account ending in XXXX. Same thing. {$25.00} purchase for gas, my balance was {$27.00} at the end of the day. Next business day, {$35.00} nsf for that purchase and now my account is negative again, causing my pending payments that I have deposited sufficient money in my account for, to be insufficient providing them a chance to charge more nsf fees. I have called them on several occasions over the years for this occurrence. Just would like to remind you this used to never happen to me until they were sued for it happening to other people. Secondly it only happens when my funds are low, but NOT insufficient. Even if they are insufficient in one acct. But I have XXXX in another acct, they will not assess these charges. All deposits were made in time for their auto rewind program. The only thing that did happen was I received notifications to deposit or transfer funds within timeframes THEY allow. It would be different if it was consistent, but its only when I have low balance, but again not insufficient, at least what i am shown online and in my app. When this happens they change their rules. I would like to request this back be investigated for predatory tactics on low income individuals and minorities. Seeing how their was a mass lawsuit against them on inappropriately applied bank charges.
Consumer complaint received 2022-08-23
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 (WI)

I purchased windows using my Capital One card back on XX/XX/21, the charge on the card was processed on XX/XX/21. The amount was {$3000.00}. The company is XXXX XXXX and now facing multiple law suits because people are not getting their order or refund. On the window contract delivery should have taken place 16 weeks after the purchase. Each month the company would say the order was delayed so I never disputed the charge right away because I thought I'd get my windows. Now over a year later I have realized my windows will probably never come. I contacted Capital One and was told I can dispute the charge since I never got the product delivered. The customer service rep told me that they will reach out to the company and if they can not prove they delivered /installed the windows then I will get my money back and they credited my card the amount paid for the windows. I was never told I'd have to fill out a form regarding this and the form is due back in a certain amount of time. So while I was waiting to hear back on the merchant 's response, Capital One had sent a form to my account electronically that I did not know was there since at that point I had no balance on the card so I didn't need to access the account to make monthly payments. Then I find out through a paper letter that I missed the deadline. I called Capital One explaining the situation. They said I could reopen the dispute so I filled out the form and sent it in right away. One day later I get a response saying the dispute is denied since I didn't file within 60 days of the purchase ( as I stated previously, I never initially disputed the charge since the company kept saying the windows were just delayed ). I called Capital One and then was told it really was because I didn't initially fill out the form in time so they can't dispute the charge with the merchant since they'd would be breaking their policy by letting me fill out the form after it was due then giving the merchant a loophole to say they don't have to pay. 

As you can see this is a huge mess. I can't get anywhere with the window company. Since I thought the charge was credited I purchased new windows using the same credit card. Now I have the new charge and the old charge that they reversed. I have sent a certified letter to the window company requesting a refund, no reply. I call and leave messages but nobody calls back. I desperately need to have this charge reversed or at least credited while the situation is investigated so I am not paying interest on the money for a product I never got. Please help me, thanks in advance.
Consumer complaint received 2022-08-23
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: BARCLAYS BANK DELAWARE (FL)

This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (AR)

THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXXhas violated my rights. 
XXXX Account # XXXX has violated my rights 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 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-04-18
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. (AL)

Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights..

15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )
Consumer complaint received 2022-08-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NE)

I decided to participate in SoFi 's " check your rate '' campaign. The rules of the campaign were to fill an application to the point of being able to get a rate quote ( soft credit pull ) but no requirement for a hard credit pull and to have an account with SoFi to have the promotional funds deposited. After 10 days, the company was to deposit the funds into your SoFi checking account. I completed everything required on XXXX XXXX but did not receive any funds. On XX/XX/XXXX I reached out to SoFi and spoke with one representative that said they did see the rate check but would have to connect me with a loan representative but then ended the assistance session without connecting me further. Once I got the second representative, they told me I must not have qualified for the promotion although I read the fine print on the promotion and was very particular about following all requirements of the promotion. The customer service rep offered no further path to fix my complaint.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXXXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-18
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. (IN)

I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well
Consumer complaint received 2022-08-23
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: General Motors Financial Company, Inc. (MA)

At the end of my lease I purchased my vehicle by sending in proper documentation and a bank check. When I received title and bill of sale for vehicle the mileage had an extra 0 at the end taking my my from aprox 42,000 miles to 420,000 miles. This created an issue in titling the vehicle in my name because I am not able to correct the title according to Massachusetts RMV. Because the mileage is written on the bill of sale and title an affidavit for correction must be supplied from ACAR leasing along with an updated bill of sale. I called ACAR leasing ( aka GM Financial ) to request this on XX/XX/2022. To follow up I also mailed a request with copies of the documents they sent me plus I added the lease buy out forms again double checking mileage was correct and even included a affidavit for correction filled out but needed their signature. Over a month later I am yet to receive any documents from them so I can register my vehicle. When speaking with their customer service they insist they've mailed it on XX/XX/XXXX which would have arrived already. This is the second vehicle I've purchased at the end of a lease in which it takes them over 2 months each time to get the proper documentation.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MI)

GM Financial I paid off my auto loan on XX/XX/2022. They stated that it would take up to 17 days to receive the loan payoff. 
They confirmed on XX/XX/XXXX that the lien satisfaction/ payoff was mailed to my address of residence on XX/XX/2022. 
As of Saturday XXXX, XXXX, XXXX  The letter has not come. 
They send I can request a duplicate title via a web site, only after update and that takes up to be available, in this case XX/XX/2022. 
Please note this is a motorized document that they send USPS with no delivery confirmation or Tracking!??
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CO)

For the last month after making payments on my account, The company goes in and makes a comment or removes a comment and my credit drops XXXX to XXXX Points. 
The account is closed and they are taking advantage of me my credit and the Negligent law with peoples credit reports. 
I called two weeks ago and they had to correct the issue now Im calling again because it dropped another XXXX points. I am in the middle of purchasing a home and this is very unacceptable.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX I traded in My XXXX XXXX XXXX and it was paid off. Currently of my XXXX credit Report it is showing the Balance of {$12000.00} and the last date reported is XX/XX/XXXX. Also it is currently showing past due and I have not made a payment since XXXX which is incorrect. I never missed a payment and it was paid in full on XX/XX/XXXX. Please see attach letter
Consumer complaint received 2022-04-18
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. (FL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of ED/ XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX  XXXX  XXXX account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX XXXX account # XXXX Balance XXXX ] Fraud Account ] [ XXXX  XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]
Consumer complaint received 2022-04-18
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-18
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)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.