davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Byrider Franchising, LLC (TX)

They are participating in deceptive trade practices. They do not make it clear the CNAC and JD BYRIDER are the same company. The did not make it clear that the vehicle had been in previous accidents. They advertised one price for a down payment then later stated the down payment would be spread out in 4 payments amongst other deceptive acts. The damage the vehicle has previously had had greatly affected me financially. They claim to have an 80 plus point inspection yet the vehicle needed a new battery a few days after purchase. I also wasn't aware the loan was not through JD BYRIDER and was through a 3rd party. I also was not aware there vehicle was collateral for the loan. I was not aware of a lot of things. JD BYRIDER has multiple cases of deceptive practices. Nor was I notified of my right to rescind.
Consumer complaint received 2023-04-29
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. (MS)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX 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. 
Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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. (NY)

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2015-08-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MO)

XXXX and the debt collector XXXX XXXX refuse to remove an account open fraudulently having never contracted nor communicated in any form or manner with XXXX Within the past month or so a collections account appeared on my credit reports as well a few unknown addresses not associated with me nor have they been a former residence. I contacted both debt collector and XXXX reporting to them this account is not mine nor have I given permission for anyone to use my Identity. They refused to accept facts as I offered them my residential history for the past 9 years they refused to share the location of account activity and connection, as well XXXX refused to give me the dates of account creation, activity, refusing to provide proof of account holders identity saying account created over the phone sales no real proof of identity was required. Having communication of debt nor any attempt of contact in regards to viability of debt. Immoral business tactics illegal forceful collections of fraudulent account threatening manner in malicious purpose to due consumer harm. Having no contract bearing signature having no copy of Driver 's License, no copy of Social security card, no lease from landlord citing I had resided at location I've demanded and request immediate removal and compensation and penalties fines against XXXX  and MRS BPO.
Consumer complaint received 2023-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX You are in Direct Violation of The Fair Credit Reporting CAPITAL ONE has violated several of my rights! 

15 U.S.C 1681 section 602 A. Clearly states that I have right to my privacy.

15 U.S.C 1681 section 608 A. Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (IL)

what is happening now is that I want to opt-out exercise my no discloser law 15USC 1692cc 15USC 6801 15USC 6802 According 15usc 6802 i want all accounts deleted and dont want to disclose my info.

It was congress that state each financial institution has an afffirmitive and continuing obligations to respect the privacy of its customers and to protect the security and confidentiality of those customers
Consumer complaint received 2017-05-19
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I am the title owner of the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( " The property '' ). The Bank filed a case based on breach of the mortgage ; more specifically failure to maintain insurance on the property. On XX/XX/XXXX, I received a letter from the lender indicating that my hazard insurance had lapsed. ( Addressed to my XXXX XXXX ). The letter indicated that if I did not obtain insurance that the lender would purchase insurance for me on the property. Included with the letter was an informational brochure. The brochure indicated what would happen if I did not obtain insurance. 1. The lender would " force-place '' insurance. " With reverse mortgage loans, lender may withdraw the cost from the available equity in your reverse  mortgage loan. The reverse mortgage I obtained on with the Plaintiff was for {$120000.00}. At the time of foreclosure, I only used approximately {$2500.00} of the line of credit on the reverse mortgage. Nowhere in the brochure did it indicate that a foreclosure was a possibility. Days after the letter from the lender a foreclosure complaint was filed against me on the above mentioned property. I was served the original complaint on XX/XX/XXXX. The complaint was filed on XX/XX/XXXX, however, on XX/XX/XXXX I obtained valid insurance on the property and states the property and was covered from XX/XX/XXXX to XX/XX/XXXX.  Proof of insurance was sent to lender. Because this was the basis of the complaint, and I sent information to cure the issue, I assumed it was taken care of. I did not receive any further information regarding this matter. I did not receive any subsequent pleadings, that the Plaintiff indicates were mailed out to the address of the property. Mail is not delivered to that address and has never been. I do not receive mail at the property and have not ever received mail at that address. I receive mail at a XXXX XXXX . Per the US Post Office, all mail Must be addressed to XXXX. XXXX XXXX XXXX, Fl XXXX. I never received any subsequent pleading or any documents regarding this foreclosure. I assumed the matter was taken care of. I only became aware of the Final Judgment on XX/XX/XXXX or XX/XX/XXXX of this year when I was served with the Eviction Notice. I am XXXX XXXX XXXX and the care-taker of my wife who has XXXX.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

I am the XXXX  for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX  to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX. 

Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i reported XXXX re-aging my account to transunion and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' transunion said they did an investigation and the re-aging dates were still on my account. 
as per the attachment transunion never did an investigation or made sure the debt was valid on their site. 

transunion let XXXX re-age my account for their persoanl gain. 

transunion complied with XXXX and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved.

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (DE)

I made some transactions on my PayPal Credit last year, I was told that I would have 2 years before interest would be added. When I contacted the PayPal representative she said that they the terms were changed and I was not notified. In addition, all my payments have not been applied which further inflates the debt to a higher proportion.
Consumer complaint received 2023-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

phoeniix financial services has falsely been trying to collect this in 2019 it was determined this is a false demand again reference number XXXX action taken closed XX/XX/2019 your company 's number also XXXX, this has been paid and this debt is not owed, paid by insurance company, this is a false attempt again by this company, furher more XXXX has falsely stated this is true, it is not true, this company phoenix has stated they owned the debt from another attorney the last time mis representation again, this should be illegal. 
PLEASE ASK THEM WHAT METHOD THEY USED AND PROOF THEY USED. WHEN WAS THE ACCOUNT IN QUESTION OPENED AND WHEN WAS IT CLOSED. AS WHAT INSURANCE I HAD THAT PAID THIS ACCOUNT WHAT ARE THE TERMS SHOW PROOF OF ORIGINAL COMPANY BILL, NOT A MADE UP ONE BY THIS COMPANY please investigate fully
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

ON WEDNESDAY, XX/XX/2024, BANK OF AMERICA OUTAGE ISSUES.

I HAD NO ACCESS TO MY VARIOUS CHECKING ACCOUNTS. 
I WAS UNABLE TO SPEAK WITH A BANK OF AMERICA REPRESENTATIVE. 
CALL WAS HUNG UP. 
I HAD NO ACCESS TO BANK OF AMERICA.
Consumer complaint received 2023-04-29
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-28
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: EQUIFAX, 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. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2016-12-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Synovus Bank (GA)

Unfair and deceptive practices ( violation of the FTC act ). Synovus ' postal letters claim that I am not eligible for loan mitigation after 120 days past due. My loan is not 120 days overdue ( i am currently past due on XXXX payment of of XXXX/XXXX/2016 ) however they are denying me that opportunity. I received email from Synovus corporate counsel that I must bring my loan up to date or they will not extend the mitigation opportunity to me. I have the email when we makes that clear. If you want copies of the letters and his email please le me know and I will fax them to you at your convenience.