davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW financial is reporting my account late when its within 30 days of the federal guideline on making payments past the due date. I have contacted them and XXXX and they have no data or sent anything to XXXX to respond to the dispute. I have disputed this information multiple times and provided documentation to both BMW and XXXX that validate my payment was made within the given time period. I have attached my account statement with my due date and the date it was paid in the amount of {$600.00} on XX/XX/2022 via phone with there representatives since there online site was down for months. My payment is due the XXXX of each month. I have not heard from BMW regards to my dispute and its been over 30 days but they can respond to XXXX in less than 20 days.
Consumer complaint received 2019-01-30
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. (WI)

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX  during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-06-28
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)

My name is XXXX XXXX, I sent TransUnion a section 609 of FCRA request on XXXX/XXXX/XXXX. I have yet to be notified of action they 're taking to honor my request. This request was sent USPS Certified Mail [ XXXX ], delivery date of XXXX/XXXX/XXXX. Trans Union is in violation of the FCRA for not properly sending me proof to validate the information in my credit report that they continue to report. Trans Union is required to have a copy of a physical application or contract with my endorsement, for them to have legal rights to report this information.
Consumer complaint received 2022-09-01
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. (CA)

Contacted Experian to have them remove XXXX XXXX negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal
Consumer complaint received 2023-10-16
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: DISCOVER BANK (OR)

On XX/XX/ I purchased a home scenting system as well as two bottles of scenting liquid from a company called XXXX XXXX for the amount of {$480.00}. I received the items on XX/XX/ XXXX I opened the items out the box and tried to use the scent diffuser and noticed it was malfunctioning. It would spew liquid everywhere and would not stay turned on. I also noticed that one of the bottles of liquid scent had opened and leaked out of the other bottle. I immediately contacted the company XXXX XXXX on XX/XX/ and requested a return shipping label. After several days they reviewed my request and reasons and issued me a return shipping label on XX/XX/XXXX XXXX  and I mailed the item out that day. On XX/XX/ I sent XXXX XXXX and email as I had not received my refund. They informed me they had received the return on XX/XX/ and that I should receive my refund in 10-14 days. They also stated that if I had not received the refund by XX/XX/ that I was to contact them again. On XX/XX/ I sent them an email as I had not received my refund. They responded to me on XX/XX/ and they apologized and stated that they " had coordinated my concern with the appropriate team and they would follow up in 24-48 hours ''. I had still not received my refund on XX/XX/ so I sent them another email. They did not respond until XX/XX/ and they said that since I had submitted a dispute I had to wait 75 days for an answer. I filed a dispute with my credit card Discover Bank and they gave me a provisional credit on XX/XX/. They sent me an initial letter saying they would review and would update me accordingly. They never responded to me and reversed the charge bank in XX/XX/. They never sent me a reason or rational as to why my credit was reversed and not made permanent. I supplied them with all of the detailed information as well as copies of the email correspondence I had with XXXX XXXX Then Discover Bank sent me a letter telling me they " would continue to investigate my dispute ''. This is unacceptable and they have failed to due their due diligence. This is unfair, deceptive and abusive. I purchased a defective product and returned the product as requested. I went over and above to supply Discover Bank with enough information to make a decision. They have failed to openly communicate with me or tell me why they reversed my provisional credit.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX XXXX XXXX, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world cause me to missed a payment on my XXXX XXXX credit card in XXXX XXXX XXXX. I didn't know i was penalized on my credit report for this late, I tried calling XXXX XXXX today to have this removed and they refused to help me.
Consumer complaint received 2022-09-01
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. (TX)

I have submitted a dispute 4 times to experian XXXX XXXX XXXX XXXX  adjusted and it came back that debt collector confirm the information being report is correct and its not I have provided screen shots and still nothing I am requesting to see what my next steps are with Experian they have done absolutely nothing to correct or delete the inaccuracies on my report They are clearly out of FCRA compliance I did not get nothing from the this company nor Experian
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

Ongoing connectivity issues to online mortgage account with LoanCare servicing. I 've been experiencing many problems being unable to access my online mortgage account to download statements and pay my monthly mortgage using online payments. Additionally, when this happens and I place a call to the mortgage servicer I consistently have unusually long ( 30 minutes ) hold times before I can actual speak to someone to attempt to address these issues.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act 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 has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy.

15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXXXX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

XXXX XXXX, a company I am a subscriber, represented with my current score of XXXX I could obtain a Discover Credit Card to consolidate my debt and obtain reduced payments with its issuanceXXXX XXXX XXXX  never disclosed that Discover Card would be using a Hard Review of my account, nor did Discover Card contact me to achieve my permission to do so. It short, they ran my Report, turned my request down and it showed up on my Credit Page as an Disapproval with the subsequent action of the other Two Credit Agencies lowering their scores on my credit. This all occurred without any change in my Financial Status as I have NOT missed any payments in over 275 months according to my record. I saw that the FTC was fining XXXX XXXX {$3.00} Million Dollars. I am requesting a Remuneration of a portion of those funds for my Personal Credit Damages. I would also like to suggest that the Discover Credit Card be Fined for NOT notifying and obtaining permission to run the credit of potential card users. Thanking you for your continued help and over watch on Companies who continue to take advantage of the unsuspecting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (WI)

On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The XXXX agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to XXXX, Equifax, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. XXXX  stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. Equifax stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. I would like for this account to removed from both my XXXX  and Equifax reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

Today, XX/XX/2023, I attempted to withdraw {$80.00} from my CHIME debit account using a local atm I have used many times in XXXX Colorado. I received an error I was unfamiliar with that said transaction not authorized. This was not a declined error as Ive had that happen before and needed to move funds. I checked my Chime banking app and there was no record of a withdrawal or a declined transaction. I went to another atm down the street, same issue, same error. Transaction not authorized. Additionally, other people came up to the various machines i tried and used them, no problem withdrawing money. I can not figure out whats going on. Nothing in the app : No withdrawal, No errors. I check to make sure I have transactions enabled, I do. Everything is fine and I have more than enough funds in that account to cover an {$80.00} withdrawal ( ~ {$700.00} in funds ). I call chime and the agent is less than helpful. He just keeps repeating himself that there is nothing wrong on their end even though he spent no time looking into it. He then mutes the call and ignores me a solid minute before hanging up on me. I call again and get a similar experience without the hang up. They just repeat and repeat the same script that nothing is wrong on their end despite not looking into it at all.

Im unable to withdraw from a fourth ATM now. 
I decide to put it to rest for the day so I head home. I pass by a XXXX XXXX and decide to try once more to withdraw money. Im able to do so no problem. This atm was in a different part of the city and was XXXX XXXX branded. 
I dont know what is going on here but there is something happening with chime and allowing me to withdraw cash. Id say its the atms but there were other people using them no problem. Chime seemed to me very defensive and dismissive of this severe issue of me being unable to access my funds. I have not had an opportunity to try these atms again but Ive used them many times without issue. Ill be switching banks due to the apathy of chime but I do believe this should be looked into.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On Tuesday, XX/XX/2023 I transferred {$100.00} via Money Gram to a friend in XXXX. I received an email that the transfer was in progress. 
I have been doing this for a few years. I can not access my Money Gram account so I can not provide you the date I started. 

On Friday XX/XX/2023 I received an email that the transfer had been sent On Saturday, XX/XX/2023 I received an email that the transfer had been CANCELED, with no explanation. 

This evening, Tuesday, XX/XX/2023 I attempted to learn from Money Gram what the problem was. There is no way to get a person on the phone at Money Gram. There used to be, but no more.

I went on a " Live Chat '' and was told I would, in future, have to use another transfer service. The chat person, XXXX, told me he could not provide me a reason. 

If there was a problem I would like to know what it is. At Money Gram there is no way for me to learn the problem. 

Is there no accountability for these money transfer services? 

I so appreciate your help in this matter and I hope to hear from you. 

Thank you for your help. 
XXXX XXXX
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OpenRoad Lending (AZ)

On the date of XX/XX/2019 I was reviewing my credit report and came across an inquiry I did not recognize from Open Road Lending. I called their customer service line and spoke to a gentlemen named XXXX explaining I have an inquiry on my credit report that I did not authorize. I then asked him to verify if their company reported this in compliance with the FCRA consumer reporting laws. He confirmed the application did not have my signature.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

*Portfolio Recovery Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on  XX/XX/XXXX and IT WASN'T A DISPUTE, Portfolio Recovery Associates , LLC handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/XXXX 1. Portfolio Recovery didn't provide the correct validation per Texas Finance code 392.302 2.  Didn't remove trade lines from my 3 credit bureau 's reports.

3. Remark trade lines as disputes.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a follow up complaint to the previously filled complaint # XXXX.

I rented a car online during my trip in XXXX during my trip in XX/XX/XXXX. During this trip, I got a minor vehicular rear bumper damage & later I was charged {$1000.00} for this minor damages.

I complained about it repeatedly to the Bank of america for being overcharged in addition to the fact that the damages supposedly were to be covered by the Car rental waiver program for which my bank of america Credit card was part of.

But Bank of America denied my claim.

Later the XXXX XXXX XXXX XXXX compensated part of the damages by paying me only {$880.00} & stating the XXXX XXXX XXXX   has overcharged me as much as {$240.00}. ( the copy of the XXXX XXXX XXXX   is enclosed ) I wrote back to the Bank of America, but it was right up front denied once again.

Needless to say that I paid the total charges of {$1000.00} to the bank of America.

I am very unhappy with the way this bank has responded to my complaint.

They never responded to my specific complaint, rather each time simply sent me a general letter stating that they did not find any fraudulent charges on my account by XXXX XXXX car company. never ever addressed any of my specific disputes details.

I am requesting the Bank of America to reopen this dispute with regard to XXXX XXXX car company for the amount of {$240.00} and give me credit for this amount, since it is obvious that I was right all along and the bank should have investigated my complaint/dispute more carefully instead of sending me repeated general denial letters without referring to any specifics of my complaints.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Hello, I have two accounts with chase and both were charged overdraft fees when the other had money in the account. Also, I want overdraft protection of some kind!

I would like the insuffient fund fees refunded. Additionally, the charges that caused the overdraft were unauthorized and I have contacted the merchants, so those charges have been refunded.

Account ending in XXXX XX/XX/19 : 2 charges of overdraft Account ending in XXXX XX/XX/2019 : 3 charges of overdraft Total fees : {$170.00}
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (VA)

Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.