davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (GA)

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THATT I HAVE THE RIGHT TO PRIVACY, AN FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER RSPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
LASTLY, UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

We rented an apartment at XXXX XXXX ( managed by XXXX XXXX ) for almost 4 years. In XX/XX/XXXX, we put down a security deposit of {$400.00}. In XXXX we downsized apartments and moved two doors down in the same complex, the security deposit wasn't returned. 

We informed XXXX on XX/XX/XXXX that we wouldn't be renewing our lease. When we moved out XX/XX/XXXX, 25 days before the end of our lease of XX/XX/XXXX, the security deposit wasn't returned either. 

On XX/XX/XXXX, I received an email from XXXX XXXX with a bill for {$270.00} dollars that cited " Damage fees-Painting ''. I asked if the lease provided a clause for this and they never answered my question. Instead, they sent me a threatening email saying we'd left the place in a " disgusting '' state with pictures of the scuffed up wall, a dirty sink, and cobwebs. Most likely, the cobwebs were from the 25 days it took to send in cleaners. 

I found this odd. I was under the impression that scuff marks on an apartment wall after almost 3 years of renting were to be expected. So, I did a quick search and found some legal resources that says really only excessive damage can be charged. The pictures provided didn't look to be excessive, just normal wear and tear. I'm happy to provide them if required. Admittedly, I don't know what constitutes " excessive '' damage, so, I could totally be in the wrong here. But my gut is telling me if I polled 100 people more than 90 % wouldn't call the pictures sent by XXXX XXXX " excessive ''. 

So, I sent another email asking about where this was in the lease and asked about the security deposit from XXXX that was never returned. They cited that they couldn't find it, and there was no record of it but showed me a {$100.00} credit that supposedly was my refunded security deposit. 

I consulted with a few folks and they said to just ignore it and not cause a stir. I didn't owe XXXX XXXX a thing. So, I let it be for a few weeks. 

Until my wife and I both got an email from a sketchy debt collector asking for information. 

It looked scammy, so I blocked the sender and reported the email as spam. When my wife told me about getting the same email, I decided it was time to report it. 

Please advise on what I should do as a consumer. I have my original lease that states the security deposit as well as the email chain with the photos they claim was excessive damage. 

I really wasn't going to say anything but the way they handled this situation felt predatory. After receiving an email from a collections company, I knew it was.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unified Global Solutions LLC (TX)

At XXXX CDT I received a phone call from ( XXXX ) XXXX to my cell at ( XXXX ) XXXX. 

When I answered, the lady on the phone immediately asked for a " XXXX XXXX ''. I asked who she was/what company she was calling from, and instead of providing any identifying info, she once again asked for " XXXX XXXX ''. I then once again asked who was calling, and she only said " The Office of the XXXX '', seemingly to present as some sort of government agency/authority. The business is " Unified Global Solutions LLC '', not " The Office of the UGS ''. 

I immediately requested to not be called again, and instead of agreeing and ending the call, the debt collector continued to press for " XXXX XXXX '', becoming hostile and argumentative before ending with " It's ok, I'll just report this. '' When I called back to speak to someone, I was laughed at and told they're a law firm so they are not subject to the FDCPA.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

LexisNexis reports innacurate information regarding my driving record. The innacuracies have cost me thousands of dollars in higher auto and boat insurance rates per year. I have called the sources of the information and they have verified the accuracy of my concerns. 

First issue is regarding CASE # : XXXX in the XXXX XXXX XXXX in XXXX, MI. The violation occured on XX/XX/XXXX. LexisNexis reports it as occuring on XX/XX/XXXX. 

The second issue is CASE # : XXXX in the XXXX XXXX XXXX in XXXX XXXX, MI. The violation was dismissed and I WAS NOT CONVICTED, yet LexisNexis INNACURATELY reports a Conviction of Traffic Violation. 

Furthermore, LexisNexis fails to report my education accurately, as I hold a Bachelors of Arts ( BA ) and a Masters of XXXX XXXX ( XXXX ) degrees. When I stated this information to the representative, their response was that I needed to contact AMERICAN STUDENT LIST at ( XXXX ) XXXX. The phone number is not a working number. A XXXX search for " XXXX XXXX XXXX '' produces a phone number XXXX and the recording says the company name is Deep Think. The number is primary for sales of their products and services. I have left messages twice and never received a call back. 

AM I NOT ALLOWED TO VERIFY INFORMATION THAT IS REPORTED ABOUT ME? 

ISN'T XXXX XXXX SUPPOSED TO PROVIDE ACCURATE INFORMATION ABOUT ME AND THE SOURCES FROM WHICH THEY DERIVE INFORMATION?
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

According to GovInfo, 15 USC 1681a ( p ) of Title 15 of the U.S. Code states that financial institutions that provide negative information to a consumer reporting agency must provide written notice to the customer.

The Fair Credit Reporting Act ( FCRA ) also states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy. For example, section 623 ( a ) ( 6 ) of the FCRA requires that any furnisher who learns their information is inaccurate due to identity theft must notify the agencies of the correct information.

15 USC 1681s2 also states that a person should not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
I've attached the documents which needs to be removed and viewed properly according to these laws.
Consumer complaint received 2023-06-28
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: AXOS FINANCIAL, INC. (MO)

In accordance with the fair credit reporting act Axos Bank account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (GA)

I paid this account off in XX/XX/year>. They reported late payment last week. This account is paid and closed. It knocked my credit score down XXXX plus points because of this incorrect reporting. Its been over 5 years since I paid this account off. I contacted the credit reporting department and they said that since it was late during my payment plan, it still reports after it has been paid off and closed. This is false! They havent reported anything since 2019 and just reported incorrect, negative information to two different credit bureaus. Thats not fair! The company is Security Finance in XXXX GA.
Consumer complaint received 2024-05-29
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: Bread Financial Holdings, Inc. (OR)

I booked a two night stay on XXXX for XX/XX/XXXX - XX/XX/XXXX. For the amount of USD XXXX. 

The host did not receive me and XXXX also blocked our numbers so I was unable to contact the host. I rang the doorbell and the host only responded via XXXX message hours later. Both the host, XXXX and BreadCashBack all refused to refund me the money. I deserve a refund for a service I did not receive. 

I have attached screenshots to the XXXX messages to demonstrate lack of communication of the part of the host.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have tried to resolve this account from this company numerous times, I previously had identity theft and have provided information to this company numerous times. How can you report a debt when a person has told you they are a victim of identity theft and the account is not accurate. This should not be reporting on my credit report, this needs to be deleted. I have been a victim of identity theft for years and this is still causing harm and anguish. Sending screenshots from a previous company does not show that this account is valid, when people can fill out information online or report anything that is not accurate. If you know that all data on an account has doubt and not for sure its no way this this ethical to report.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK (PA)

I received 2 letters in the mail from Discover saying they received my application for a Discover Bank account, but they were unable to verify my information and the application was canceled as of the date of the XXXX XXXX XXXX. 

I called Discover ( XXXX ) to confirm this information. They advised that I report it to the Credit Bureau.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (FL)

Recently, my loan was sold/transferred to Roundpoint Mortgage. Upon transfer, the companies neglected to transfer my current flood insurance to the new company. By the time I found out, it was too late and the policy had expired and the new offer from the flood company had expired so I would have had to start all over with a new offer. Roundpoint then took it upon themselves to place lender placed insurance on my property. When I found out about it, I was fine with that because it was about the same price as what I had before on my own. The company was XXXX XXXX XXXX for {$1500.00}. No problem so far, right? But then another charge showed up on my account listed as insurance for {$1600.00} to XXXX XXXX. My homeowners policy is with XXXX, so who is XXXX XXXX? I have written to Roundpoint, emailed them, filed a formal complaint with them, called them, requested contact by a supervisor to explain this to me, asked who authorized this and contacted the XXXX  regarding this. No one answers me.In fact, when I spoke to an agent, he said the charge doesn't exist, but it is there. It is also causing my payment to increase by hundreds of dollars a month, which I can't afford. I had to go to the food bank for the 1st time in my life because of this last month. When I call and ask for a supervisor, I am hung up on. I want answers. Thank you in advance for assisting me.
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I received the copy of the Loan Note and Security Agreement. Although I recognize the language requiring the Guarantor to guarantee the business loan, this Loan Note and Security Agreement does not reflect the loan application that I submitted or my repeated conversations with the US Bank loan officer. I asked him several times about any personal guaranty since I was unwilling to guaranty the loan. He responded it was for informational purposes only. I thought it was unusual but signed anyway. 

Additionally, I must have signed by e-signature that didn't allow me the opportunity to fully review the Loan Note and Security Agreement, which as previously stated, did not conform to the application or my conversation with the loan officer. Furthermore, I am a married man and was married at the time of the Loan Note and Security Agreement. As you can see, my wife did not sign the Community Property Consent. Moreover, she was never asked to sign and if she had been, I would have known this was a signature for personal guaranty. 

I firmly believe that the loan process underlying this Loan Note and Security Agreement to be unfair and fraudulent. Using an e-signature on a {$50000.00} business loan without a full opportunity to review the loan document that requires a personal guaranty when the loan officer responded that there is no personal guaranty and without request for signature by the purported guarantor 's spouse is unfair and fraudulent. I request that I be removed from this loan as a personal guarantor based on unfair and fraudulent loan processes and lack of knowing consent to the guaranty by me and lack of consent whatsoever by my spouse. If I am not removed as a guarantor, I will take legal action to contest this unfair and fraudulent loan process and seek all damages beyond removal of me as a personal guarantor.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC (WI)

My XXXX payment was showing 60 days late and my XXXX payment was showing 30 days late even though I enrolled in Autopay when I signed all my mortgage documents. It took several phone calls with UWM to find out they had the wrong routing number for my bank account.. ( this was provided to UWM by XXXXXXXX XXXX who sold my loan to them ). After we found out what happened and realized the late payments were not my fault they fixed my XXXX payment reporting. I requested they also fix my XXXX payment because it was showing late for the same exact reason.. They fixed my XXXX payment but not my XXXX payment even though we had discovered what happened and fixed whatever issue was going on with my account info they received. When paying the total amount overdue to make my account current they made me pay late fees. I have never missed a payment on anything and am deeply concerned with the gross negligence and mishandling of customer information between these two mortgage companies. This has ruined my credit score and I am having issues getting this fixed with UWM.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

I have received a letter Midland Credit Management with my address but with a different name telling me I owe an outstanding debt on a card I have never owned from a bank I have never done business with. I have checked with the credit report with the credit agencies and none have shown that card nor any outstanding debts or collections. I do not know when this first started, but I demand they stop billing me for a debt I do not own and leave me alone.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (AR)

I contacted Midland Credit Management and asked for proof of debt with Midland Credit Management and asked for original documents and written agreement with Midland Credit Management showing proof of the debt with them. If they are a debt collection agency and the original debtor closed or wrote off the debt that belonged to me according to 15 USC 1681 S2A1A my information can not be transfered without my written consent and if I did have a debt with an original company other than Midland Credit Management they should have given me a 1099C showing that the debt has been written off and it is now according to the Internal Revenue Service it is considered to be income and that can not be shown on my credit report.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CO)

On XX/XX/XXXX I received an email from Goldman Sachs/Marcus Bank stating that my statement delivery preference had been changed from electronic to paper mail. Since I did not initiate this change, I called the bank to inquire about what was going on, fearing that my account had been hacked. After verifying my identity with secret words, etc., the agent said she was sending a code by text. I never received the text, probably because I was in an airport with spotty cell receptions. The agent refused to re-send the code and said my account was being referred to another department ( security? ) and that they would call me in XXXX days. 

Since XX/XX/XXXX, online access to my account has been locked. I have not received a call from the bank. I have called them several times and have been told that they can not say what the problem is and I must wait for their call. On XX/XX/XXXX, the agent told me that my case would be expedited and I would hear from them within 3 days. As of today, XX/XX/XXXX, I have heard nothing and can not access my account or get any assistance from the agents who answer the phone
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (DC)

ON XX/XX/2024 I RECEIVED A REQUEST FROM SOMEONE I DO NOT KNOW FROM THE CHIME APP. IT SAID HIT THIS LINK TO ACCEPT OR DECLINE THIS REQUEST AND THEN MY DIRECT DEPOISIT FROM MY JOB WAS TAKEN XXXX DOLARS. WHICH LEFT ME WITH XXXX DOLLARS. CHIME STATED MY HISTORY SHOWED I SENT MONEY TO THIS PERSON BEFORE WHICH IS NOT TRUE THE NAME DOES NOT BELONG IN MY CONTACTCS AND I DONT EVEN DONT KNOW THIS PERSON.YOUR HELP WOULD BE GRATELEY HELPFULL IT WAS A VERY ROUGH DAY WITH THIS EXP. I WAS GREIVING TH XXXX DEATH OF MY BROTHER WHO PASSED AWAY AND IT WAS HIS BIRTHDAY. THANK YOU SO MUCH FOR YOUR HELP.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2024 I submit an external transfer for {$700.00} from our Fifth Third checking account to my XXXX XXXX XXXX XXXX Account. FifthThird withdrew the {$700.00} on XX/XX/2024 but instead do depositing the money to my XXXX XXXX account, Fifth Third tried to withdraw {$700.00} form me XXXX XXXX account. Which resulted in {$30.00} in fines because there was not enough money in the XXXX account for the money to be withdrawn. Hence the reason I was trying to deposit money from Fifth Third into the XXXX account. I was only made aware of this when I received an email from Fifth Third on XX/XX/XXXX, indicating that they could not withdraw the funds from my XXXX account because there was insufficient funds. After calling Fifth Third several times and speaking to customer service and the local bank I received no help. I finally was able to speak with the local manager at the XXXX Fifth Third bank, who submitted a dispute on XX/XX/XXXX, regarding this transaction. Dispute Case # XXXX. I was then told it would take 7 to 10 days for the bank to investigate this and give me my money back. In the meantime, I am out {$700.00} for going on nearly a month. At this point, I feel like Fifth Third has stolen {$700.00} from me. Additionally, that {$700.00} was to pay our HELOC loan with XXXX thankfully I was a month ahead on the payments or I wouldve missed the payment which wouldve created a whole new slew of problems. I do not feel I should have to wait 7 to 10 days from the XXXX when the money was stolen from our bank account on XX/XX/XXXX fifth third bank should expedite this investigation and give us our money back