davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc (NY)

My account with AVA FINANCE was never late! I have had exceptional payment history with AVA FINANCE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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.

AVA FINANCE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TN)

I received debt notification letter from I.Q. Data International on XXXX XXXX. 

I responded to the debt notification by sending debt Validation letter to IQ Data International on XXXX XXXX XXXX XXXX XXXX had 30 days to respond and never responded to Debt Validation letter and Report to one or more of credit reporting agencies ( XXXX, XXXX, or XXXX ) on XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

Complaint is to XXXX XXXX XXXX. 
I canceled service 15 months ago and removed all of their equipment, box and put on my front porch as requested. The system didn't work, constantly call XXXX rebooted numerous times technicians came out rebooted told me to get a better wifi tower from XXXX did so also purchased 3 wifi booster for {$200.00} did not help. 
Camera systems worked sporadically XXXX replaced Cameras still didn't work, one fella that came out said it could be sunspots! I have video of the pad going off in the middle of the night had to reboot, I explained To XXXX XXXX that if happened again I would cancel. It continued an I dismantle and packed the entire system up 15 months ago. Also I had a lawyer send them all of the videos. 
Also my name on the contract was computer generated. 
Now they sent it to a collection agency in the amount of {$3000.00}
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Experian has blocked and frozen my entire credit report and score. That means no creditor, whether a new bank, credit card company, XXXX  XXXX, or an existing creditor I have accounts with can pull my Experian credit report or score, whether it's a hard credit pull or a soft credit pull. I have written them multiple times to release my credit report with no answer. 

When a new or existing creditor or bank tries to pull my credit report and score they get a message that states Experian has made a business decision not to do business with this applicant. This is an Experian decison. 

This is preventing me from applying for credit and managing my business appropriately. I am asking Experian to unfreeze my credit report and score to allow my creditors to access my credit report.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

When i received my XX/XX/XXXX statment, I noticed a late fee. I called customer served and asked if it were possible to remove the charge ( {$20.00} ) since it was an oversite on my part, and that in all the years that I had the account, I had never missed a payment. The gentlemen put me on hold and came back and said, yes he could remove the charge as a onetime exception. I was appreciated and what the balance would be after the charge was removed and it was {$40.00} and made that payment. WHen I received my XXXX statment, I saw that the charge had not been removed. I called and they refused to credit the amount and but offered me {$15.00} credit. I refused XXXX accept that because that is not what I was told - I asked to speak with a supervisor who would not offer the full credit that was promised. I received my XXXX statment and now I have a late fee opn my late fee. I sent a letter on XX/XX/XXXX explaining that. on XX/XX/XXXX they sent me a letter requesting that I call to resolve the issue. I did, and again went around and around, until a so called Supervisor agreed to make that credit on XX/XX/XXXX I have since received another stated with a {$42.00} balance. The bank reported this to the credit bureau on XX/XX/XXXX and my credito score dropped XXXX points!!!!! I ddid not have a XXXX credit score because i was in the practice of arguing over {$5.00} - it is the principal of the matter. This is sheer harrassment by this bank and beyong unprofessional.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

I completed an online request directly with LexisNexis in early XXXX  2024 for any reporting they have on me. I received a letter dated XXXX XXXX, 2024 from LexisNexis with instructions for obtaining my report via their web service ; the code would not work. I called LexisNexis on XXXX XXXX, 2024 at XXXX PM and I was told there was an issue with codes issued on the day of my letter and my report would be mailed ; they confirmed my mailing address. I never received the report. I call LexisNexis on XXXX XXXX, 2024 at XXXX stating I never received my report ; I was told it had been mailed and would be mailed again. I called again on XXXX XXXX, 2024 at XXXX and again was told my report had been mailed, validated me address, and stated it would be mailed again. I have never received my report and I do get all my other mail.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I opened the new checking account with Citi online promotion page. I registered the new account directly from the promotion page link. The promotion is : open a new citi bank checking account, deposit 2 times total {$1500.00} in 90 days. I completed the deposit on XX/XX/XXXX. I did not get any bonus more than 14 days now. I called Citi, they refused to help me resolve the issue.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (CO)

I went to transfer funds out of my account on XX/XX/year> and discovered that a hold had been put on my account due to suspected fraud. I asked the fraud team to contact me to discuss and release the hold since I need access to my funds to complete a time-sensitive large financial transaction. They did not contact me. The customer support agent I spoke with said it could take some weeks for the team to review my case and reach out to me but I need the funds immediately.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc. (SC)

Partial claim was offered on XX/XX/XXXX to bring loan current. I called and spoke with XXXX on XX/XX/XXXX. XXXX advised me on that date that the closing documents had not been mailed but would be mailed at the conclusion of our call. As of the date of the filing of this complaint, the closing documents necessary to process the claim have not been received. 

On XX/XX/XXXX, Essex purportedly sent a claim denial because the closing documents were not received. I have not received this letter in the mail. I was provided no notification of its delivery electronically. I found it when I logged onto my account to see if the closing documents had been made available electronically. The paperwork is not available electronically. 

I attempted to contact Essex on XX/XX/XXXX to notify them I never received the closing documents in an attempt to get this issue resolved. I was told no one in the loss mitigation department was available for assistance. A call is scheduled for tomorrow. 

However, I do not believe that Essex is working in good faith to assist me with my situation. Offering a partial claim and not providing the necessary paperwork to complete the offer is a harmful bait and switch maneuver.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

Check number XXXX for {$120000.00} which was issued XX/XX/year>. On XX/XX/year> United States treasury department verified check was valid and verified check belonged to me and BMO issued the funds then out of nowhere froze account with funds and claim they were unable to accept my verification documents at first then 2weeks later they claim to have sent them back to issuer which has not happened and which there is no record of it being returned to sender. Representatives have told me multiple times check was unable to be verified and account would be closed and check returned when in fact on XX/XX/year> United States treasury verified check validity and responded to your email for check verification on XX/XX/year>. Check is still in system as cashed and not returned. Check was verified with XXXX XXXX case # XXXX and yet BMO is still claiming check has not been verified and returned it also took them 1 almost 2 months to claim check was unverifiable. I have multiple recordings and emails from BMO stating otherwise falsely. Today XX/XX/year> BMO has claimed to have sent the check back to issuer XX/XX/year>. This has caused a major hardship and pain and suffering in my life I am now homeless due to losing my housing due to not being able to cover rent, lost my job due to no functioning vehicle nor to take my children to school or cover medical expenses.
Consumer complaint received 2023-09-18
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX amount of {$7700.00}. I have disputed and sent Experian, XXXX  and XXXX   copy of court document showing that case under XXXX XXXX XXXX was dismissed and I am to pay nothing. I also sent a police report
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-20
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: WELLS FARGO & COMPANY (VA)

Wells Fargo is not reporting a closed date on my XXXX and XXXX reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXXXXXX XXXX ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCT # : XXXXXXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NV)

On XXXX XXXX I went to take out money I just got paid and my acct was blocked so XXXX called Us bank to ask what was going on and they told me they blocked it cause they seen suspicion activity on my acct and they asked me if I did a transaction of {$300.00} and I told them no cause I didn't so right away they stopped my debit card from being used and ordered another for me and since I still had my debit card and I told the bank my phone was reported lost cause I lost it and I told the bank that the person must of gotten my bank info from my phone so they said it would be a good idea to get a different acct number so the bank closed my acct and open up a new acct in the mean time the bank posted the {$300.00} back to my acct than on XX/XX/year> the bank to back the {$300.00} and I got a letter telling me they were done with their investigation and the bank said that they verified that I received benefit from the transaction and my claim was denied so they are reversing the provisional credit issued to my acct so u called to get a copy of the documents used during their research so that's when they gave me the name of the person that was involved in the transaction I told them that was my niece and I never gave her permission so I went to the police station white XXXX XXXX jail and did a police report and called US Bank and gave them the case number to the police report on XXXX XXXX she is my niece but I did not give her permission to take money or received money in any way so it is wrong what the bank is doing to me.