davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CO)

I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (PA)

Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems. 
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall. 
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..

I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question. 
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. 
Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. 
Next month due date came and same thing happened after hours on the phone with customer representatives. 
all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. 
No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. 
After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! 
i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. 
Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Bancorp North Carolina (NC)

This is missing a few of the overdrafts charged from XXXX XXXX and XX/XX/XXXX Each one of these was because of how the charge come through or because the gas station had a XXXX $ hold on my card and sent my account into a negative with the computer even though I didnt see it on my end the bank could see thats why but they still refused to adjust my fees even though they could see I had the money to a cover my account without it or because of a overdraft fee I was in negative and so another one would incur Pending Overdraft Fee Amount : negative XXXX XXXX dollars {$36.00} Running Balance : negative XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars $ Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Details Category : Banking Fee Online Description : Overdraft Fee Statement Description : Overdraft Fee Date : XX/XX/XXXX Type : Debit XXXX XXXX XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$72.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} XX/XX/XXXX Overdraft Fee Banking Fee Amount : negative XXXX XXXX dollars {$36.00} Page totals : Credits : [ XXXX ] XXXX dollars {$0.00} Debits : [ XXXX ] negative XXXX XXXX XXXX dollars {$540.00}
Consumer complaint received 2022-05-02
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: Possible Financial Inc (TX)

A company named possible finance Inc has a fraudulent account listed on my credit report in the amount of {$430.00}. They can not be reached by phone on by email and no way to speak to representative to dispute and get removed due to fraud.
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (NY)

Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for me.
Consumer complaint received 2018-01-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We bought this property on XX/XX/XXXX for a value of {$74000.00}. Originally we take a mortgage loan of {$65000.00}. From XX/XX/XXXX to XX/XX/XXXX we had financial problems and we were unable to do the payments. Then on XX/XX/XXXX it was a established a new loan for the amount of {$72000.00} since that we made payments twice a month of {$670.00}. each. 
Now that we ask for the payoff because we are trying to get a new loan in another bank they are telling us that our balance is {$100000.00}. 
They send us an statement and there was not reduced all the double payments we made since XX/XX/XXXX up to XX/XX/XXXX.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

This company XXXX XXXX XXXX is using some real shady tactics here, let me tell you. I found out about this debt from my credit report. I was never ever informed on this debt, I have n't needed XXXX XXXX since I left a fixer upper home in XX/XX/XXXX. Somehow the new tenants got the power back on in my name, probably because bills were still coming there for power.I have contacted XXXX and they will do zero to fix this, said to call the cops. I did and they said it was 7 years ago so they cant do anything. This was put on my report as current, and went delinquent in XX/XX/XXXX. Which in fact is false. It went delinquent in XX/XX/XXXX. I disputed this charge, said the balance history was incorrect. They updated and said it is not. It is not fair that these companies can out and out lie when you dispute things. If this is not fixed or deleted I will be contacting a lawyer for damages. a XX/XX/XXXX delinquency hurts my credit FAR MORE then the correct age of XX/XX/XXXX. This is not fair to the consumer and they should be fined!!!!! I have called them even to notify them of their error and they refuse to fix this. The below Bill shows my last payment was XX/XX/XXXX and they said it was partial. Acct was put delinquent XX/XX/XXXX Power was Shut off and XX/XX/XXXX
Consumer complaint received 2021-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase sold my mortgage to XXXX XX/XX/XXXX. However, Chase didnt give me option to continue auto pay but took upon self to forward to XXXX without my permission. 
This loan was paid off XX/XX/XXXX. 
XXXX plan to take XXXX payment not owed. Speaking with Chase no one know how to stop the auto draft Chase set up. Just got off the phone with Chase Mortage department spoke with XXXX.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

Hello, My name is XXXX XXXX from XXXX, NC. I travelled to XXXX for a trip in the month of XX/XX/XXXX. I have an account with Coinbase Inc for virtual currency and before i left, I bought XXXX Litecoin before I left to XXXX. I was unaware of the sanctions and laws about logging into Coinbase, particularly from XXXX, so when I attempted to log in to check my account, I was immediately logged out and my account was locked. I was asked to submit 2 documents to verify my identity, however there was no place on the site for me to upload them. I then emailed Coinbase Support my bank statement and my drivers license on XXXX XXXX and they confirmed that they got the documents. It has been over 1 week, and after multiple attempts of getting them to unlock my account, I am still locked out with no money. 

This is the same response I get everytime I try to contact support : XX/XX/XXXX XXXX Hi again, Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

We respond to cases from oldest to newest, and creating new tickets only makes your case appear new again, moving it to the back of the line. 

I understand how frustrating it can be to wait, but this is the fastest way to receive a response. 
If your request is cleared, well send you an email. 
If you need any additional assistance in the meantime, please let us know. 
my coinbase Ticket # is Case ID : XXXX Thanks I called Coinbase Support today on XXXX XXXX, they told me that there is no balance on my coinbase account. This is extremely scary for me because before I left, I had XXXX LTC in my account.
Consumer complaint received 2018-01-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VT)

Ocwen is claiming my property tax is {$4200.00}. I asked them were they came up with that amount and all they could tell me was " a web site ''. My taxes are {$2900.00} and I provided them with the actual tax bill from my town office. They " investigated '' it and two weeks later basically said I was wrong and they were right. This has caused my yearly escrow with taxes and insurance to go from {$4200.00} to {$6100.00}. They are collecting an additional {$1800.00} a year from me without any explanation as to where it is going. 

I have tried several times to work this out with them but they wont budge. They call me and when I answer the phone no one is there. Then the next day I get a email stating they called me but I wont respond. I have called them but only have been allowed to leave messages. 

Any help would be great, I 'm a single parent and cant afford the higher monthly payment that seems to go nowhere.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

I use Western Union money orders to pay my rent. Several months ago, my landlord took me to court saying I owed him rent and I traced the money orders. When I got the copies back, I saw that they had been altered ( the name they were made out to and the signatory had both been changed ). I notified Western Union and they forwarded requests to the banks that cashed them to credit the money back to me. These were obvious forgeries. Information on the money orders was missing, probably because they had been bleached. The bank should have known looking at them they it should not cash them.

Western Union notified me that it will not order the affidavit of forgery because the money order is more than a year old. But I had no way of knowing that the money order had been stolen and cashed before the landlord sued me and gave me a rent breakdown. Even in the court papers, the landlord listed the wrong months as being owed. I do not think the time period for claiming fraud starts running until you learn about the fraud. I contacted Western Union less than a year after I found out the money orders had been stolen.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company (GA)

A medical bill was paid by insurance last year in full. This company repeatedly calls from spoofed numbers, sometimes up to 5 times per day. They never leave a message or answer when I pick up the phone. They started harassing my XXXX year old son during school hours on his phone. When I call them they try to tell me that I owe {$61.00}. I have submitted the proof that this was paid on numerous occasions and yet they still call. Calling my son was the last straw.
Consumer complaint received 2024-11-01
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. (FL)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (AZ)

XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old Experian credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XX/XX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.