davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

On or about XX/XX/2022 I suspected that another bank might have my sign in credentials for my above referenced Webster account. 

In talking with Websters fraud department I requested that my account be frozen until I could assure myself that my account was secure. 

Since that time I have resolved that there is no problem with unauthorized access and thus there is no further reason for the freeze. On XX/XX/2022 I was advised by Webster that the freeze could not be lifted, even though I, the account holder, have requested it. No other person or entity has my online access information. 

I was further advised to visit a Webster bank in person, but what this will accomplish was not clearly stated. Do I open a new account? Can I reopen my old one? How will I access funds? Because I am now living in a state nor serviced by Webster, my visit to a branch bank will require travel. 

I am a XXXX XXXX XXXX retired person who has been a customer of Webster for 40 years. All of my retirement income is deposited into my Webster account and all of my living expenses come out of it. Websters refusal to allow access to my funds is causing me severe financial hardship.
Consumer complaint received 2020-12-15
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. (MD)

XX/XX/XXXX I disputed the way Transunion reported on a collections account that I have been paying every month. Therefore the balance is decreasing every month. The balance is currently {$15000.00}. Transunion 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if it was a new collection item. The score drops between 20 and 23 points when this happens. 

I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. 

I disputed this situation with Transunion on XX/XX/XXXX and when I made my XX/XX/XXXX payment Transunion reported this on XX/XX/XXXX and dropped my score by 20 points on XX/XX/XXXX. 

This report is about Transunion and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action in response to positive behavior. It is reporting the payment as if a negative action took place. This is a design, programming or other flaw in the system that needs to be addressed. 

The people involved are myself and Transunion. No individual has identified themselves from Transunion in their response or lack of response. They promised a response by XX/XX/XXXX and NOTHING happened. Nothing changed. Their response is still pending. Today is XX/XX/XXXX.
Consumer complaint received 2022-11-04
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. (DC)

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. These violation of my rights are grounds for removal. My rights were further violated because 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 Fair Collections and outsourcing debt verifications are fraudulent. I have requested a proper investigation into this account and none have taken place. XXXX is attempting to collected a debt for XXXX XXXX that I do no owe. Their documents say that I relocated from their property in XXXX XXXX. When in fact I relocated from this Property some 3 months earlier in XX/XX/XXXX. I have provided supporting documentation. The same documents I once provided XXXX but they refused to remove the fraudulent account from my report. I am not responsible for this debt and have made several attempts to remove it. I made my last full rental payment to XXXX XXXX on XX/XX/XXXX. With no remaining balances. and full months rent of my security deposit was never returned to me. The debt verification provided by fair collections and outsourcing is completely false.
Consumer complaint received 2024-12-04
Product: Credit 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: BARCLAYS BANK DELAWARE (PA)

I made a significant OVERPAYMENT of {$1700.00} on my account BY MISTAKE on XX/XX/year> and the company is refusing to return the over payment. 

My balance due at that time was {$1700.00} for statement period XX/XX/year> - XX/XX/year>. I paid {$1700.00} received on XX/XX/year>, due on XX/XX/year> and an ADDITIONAL MISTAKEN payment of {$1700.00} in haste received on XX/XX/year>. This left a credit of XXXX by mistake. 

The credit balance was shown on my following bill statement period XX/XX/year> - XX/XX/year>. 

As soon as I realized I had made the mistake the first week of XXXX I contacted the company - to request a return of the OVERPAYMENT. I have made at least 8 calls over a period of 5 weeks since, with the final call this evening. This has caused a hardship for me. 

I have spoke with at least 4 supervisors. Each time I am given a reason why it was not returned and assured it was going to be straightened out. I was given two case id 's from the company, after being assured each time it would be addressed and how it was to be addressed. 

When I initially called I was assured a paper check was to be sent to my home. When the check did not arrive, I was then assured a return of funds would be issued directly to my checking account ( after verifying my checking account number and routing number where the overpayment was made ). And, then again, when that did not occur, I was then assured the company was going to send me a paper check again. 

This evening I called to followup on the status of the return overpayment paper check ( based on my call just yesterday ) and again was given another reason why the payment was not returned, -- in direct contradiction to what I was told yesterday. 

In summary, the supervisor tonight told me that they can not return my overpayment because I paid via BILL PAY through my bank ( as I always do ). My bank used a third party processor and so they do not know who made the payment. This is absolutely ridiculous when they have my bank accounts also on file, not to mention each check can always be traced back to a bank account WITH AN OWNER NAME! 

Tonight I insisted a 2nd level Manager call me and again have requested the calls be reviewed. I began calling the first week of XXXX when I realized what I had done in error. If this was an over payment for a small amount I would not care. It is a large sum of money. Now that they have intentionally withheld my over payment I am reporting the company for malfeasance and hardship. 

I am requesting assistance and mediation.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

I called in XXXX and opened an account but my offer of {$220.00} for new checking was not added so the phone agent said they could do {$200.00} instead because {$220.00} was not available anymore even though i let them know i had a mailer XXXX a code. fast forward to XXXX i tried to call and give them the mailer code for the additional {$25.00} and they refused to honor the mailer saying its not available again. I reminded them i previously called when i opened the account and still they would not honor the mailer i had originally referred to even though i had mailer in my hand with code which states {$220.00} for new checking and expires XX/XX/22
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (IN)

Today I was sent {$220.00} from someone and it immediately disappeared. I contacted support and they informed me that in XXXX there were XXXX technical errors on there end and they just now took the funds. I was never informed of anything until today after they left my account with XXXX cents. They've had multiple chances to inform me and collect funds. Instead they drained my account without any knowledge of errors.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I have tried to get a modification or forbearance or sing they did not need the information, they explained that my am getting confused on what is going on. I feel I am being strung along. Ocwen and PHH are both not being honest with me on what is going on. I want them investigated as to why all the information they provided me was wrong. Since XXXX I lost my job and have tried to find a way to pay, I even file for bankruptcy but lost my job again. When I got back on my feet I tried for a forbearance and modification for the over 9.75 % rate and the additional 5,5 % added to arrears portion making it over 14.75 % I asked for help and they gave me all fictitious information that was wrong. I finally got a fulltime job in XXXX but was turned down twice for assistance. 
My problem is that twice I received letters asking me to send information to them so they can review for assistance. I sent what was required they kept stating they did do modifications on my type of loan. I kept seI want the right to directly to investor XXXX XXXX  and let them see I am now able to pay and make a direct request to XXXX XXXX, know that is would be a win win situation. They save money on foreclosure and I get to stay in my home, I build over thirty-eight years  ago on a lot my father bought over forty years ago, I want to stay and pay. I need them to work with me.
Consumer complaint received 2022-06-01
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)

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 XXXX Account # XXXX, has violated my rights. 
XXXX  Account Account # XXXX, has violated my rights XXXX  XXXX Account # XXXX, has violated my rights XXXX  Account Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX 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 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 2020-11-15
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. (NY)

here are three issues One, I had a XXXX  card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting Experian, XXXX, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies Experian, XXXX, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

Someone use my credit card when that bank was transiting to XXXX  XXXX And they use my credit at Sam / whole sale which in that time they were giving credit to anybody bc of their sales were they were down, and they did not check if that card was the right person or not. They were using it and paying for it until they stop paying, and that how they put it in my credit. I demand that debt is off my credit or else I will sue them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I can't figure out why. I routinely check my credit report, and suddenly, there are errors that seem to have come out of nowhere. I even tried refreshing my browser, thinking it might just be a technical glitch, but nothing changed. The incorrect accounts stayed put. This whole situation has left me asking for a thorough review of the documents I've submitted so I can stop worrying about this ever happening again.
Consumer complaint received 2021-06-26
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: CORELOGIC INC (GA)

XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed Credco XX/XX/2020 Credco XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX  XXXX and XXXX  that I would like removed from all of these bureaus
Consumer complaint received 2020-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-11-15
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: JPMORGAN CHASE & CO. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, Experian, and XXXX on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXXXXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/2021, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

here are three issues One, I had a XXXX  XXXX  Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting XXXX, Equifax, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my XXXX complaint. Lastly, these credit companies XXXX, Equifax, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.