davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I returned vehicle XX/XX/XXXX so legally I should only be charged till the XXXX not all the way till the XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 Customer Service Department XXXX share Subject : Formal Complaint Regarding Overcharging and Refusal to Reimburse for Unused Days Dear Consumer Financial Protection Bureau and XXXX, I am writing to file a formal complaint concerning my recent rental experience with XXXX, reservation number XXXX, for a rental period starting from XX/XX/2023 to XX/XX/2023. 

Upon returning the rental vehicle on XX/XX/XXXX, I was dismayed to discover that my account was charged for a duration exceeding the agreed-upon rental period. Despite returning the vehicle as scheduled, I have been unjustly billed for additional days beyond my usage. 

Furthermore, despite numerous attempts to resolve this matter with your customer service representatives, I have encountered resistance and have been informed that the company is unwilling to reimburse me for the unused days erroneously charged. 

The specifics of my complaint are as follows : - I rented a vehicle for a period from XX/XX/XXXX to XX/XX/XXXX as confirmed in my reservation. 
- The vehicle was returned on XX/XX/XXXX, in adherence to the agreed-upon rental period. 
- However, I have been charged for an additional 3 days beyond the return date, resulting in an overcharge of {$170.00} on my account. 

I kindly request a thorough review of my rental agreement and the charges applied to my account. I expect an immediate reimbursement for the overcharged amount corresponding to the days I did not utilize the rental vehicle. 

If this matter is not rectified promptly and to my satisfaction, I will have no choice but to escalate this issue further through relevant consumer protection agencies and pursue all available legal avenues to ensure a fair resolution. 

I am willing to provide all necessary documentation, including my rental agreement, receipts, and any additional information required to facilitate the resolution of this dispute. 

I expect a prompt response and resolution to this issue within 7 business days from the date of this complaint. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/year>, I went to XXXX to purchase decorations for my graduation cap. Upon checking out, the young lady at the register asked me if I wanted to apply for XXXX card and if I was approved, the purchase would be free. That was the first mishap in their communication process because that purchase was not free, I just found out it was added to that credit card I got approved for. The young lady proceeded to tell me that I should receive my XXXX credit card in the mail within a week or XXXX. It is XX/XX/year> and the card was never sent to me. I received no credit card statement from XXXX. I received nothing at all. Today XX/XX/year>. I received an email saying my XXXX XXXX dropped XXXX points because of a late payment, I proceeded to see what that late payment was only to see that its XXXX reporting on my credit for nonpayment for something I didnt know about. I immediately called XXXX to see why theyre reporting on my credit for a late payment I was transferred to the dispute department where the lady advised me that I owed XXXX something dollars on that credit card, which include late fees. She removed the late fees and I had to pay {$54.00} to settle the account and I prompt them to close the account, Because they are very unprofessional in the way they carry out business. I need that incorrect information that they placed on my credit report to be removed because that was their fault. They sent no communication to me for me to be aware that there was a balance that needed to be paid, If that was a case it wouldve been paid a long time ago and I would not be in this predicament so I am asking for them to remove that inconsistency from my credit report. Because it is not fair for me to take the fall for something that was not done correctly on their end. They were so quick to report the account being 30 days late, but not quick enough to send me a statement or even the credit card that I shouldve received 3 months ago.
Consumer complaint received 2023-12-07
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. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica (CA)

My account at Comerica Bank was Fraugently Used without my Knowledge To deposit and withdraw amounts of money over a four to five Day span. I was never once notify by the bank of any transaction in or out of my account. I have never made withdrawals or deposits by My mobile app every since I had this account. 
The only way I found out about the money is the day that I was expecting of deposit from the loan company Which I found out was not a legit company. I want straight to the bank and told them to close the account. But they said they couldn't until the balance was pay in full. 
I asked them. How can this many transaction be made in and out of my account? And they do not notify me. 
I want straight to the police department and made a report. 
I was told by a XXXX who wife does investigation for banks that I should get in touch with someone because my e. Rights was valid.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I have an account opened since about 40 years at Chase Bank. 
I can not log-in because of an internal review process of belief that there is suspiscion of fraud. 
I want to tranfer the balance of about USD XXXXto my own Bank account held in XXXX. 
My request has been rejected twice although I have been speaking to " specialist '' representatives during last week. 

I was told just now from a supervisor that it is now in the escalation team of Chase J.P. Morgan. 
And that the account may be allonwing the wire transaction. 

I am an ex banker and specialized in compliance. I amm very weel aware of all compliance and duties of banks. My credit track record is XXXX This sitution is ridiculous and so inneficient for the procedure of the bank.
Consumer complaint received 2023-12-07
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Comenity Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to Comenity Bank last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with Comenity, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/2023 XXXX
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (IN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abrahamsen Gindin LLC (NY)

In XX/XX/year>, I spoke with an employee at Forster and Garbus by the name of XXXX. I was able to work out a settlement agreement of {$690.00}, which I paid on XX/XX/XXXX. I was told that I would receive a stipulation of settlement agreement, but never received it. I called the company back in early XXXX to see why I never received the stipulation of settlement agreement or any information about receiving the settlement payment. I was told that someone would contact me, but they never did. In addition, this case is a lawsuit brought on by Forster and Garrys, which I already submitted an answer for. 

In addition, the agent XXXX, asked for my place of employment on the phone. Also, he left a voicemail message that didnt explain what company he was from and that he was a debt collector.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX. 

I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and have a listed collections account from t-mobile which was passed onto a collection agency. There are also some errors on my report such as wrong addresses and names that I want removed as soon as possible. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.
Consumer complaint received 2024-04-02
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6300.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I signed up with XXXX XXXX  with monthly payments, they didn't tell me that it would be paid to a collection agency that would be reporting on my credit as a collection.. I tried to cancel but they wont let me cancel. They also added an extra {$500.00} onto my account and I cant use any services. They said that the services would be discounted but it better to go thru online or XXXX.. I really want to cancel because I'm giving them free money for nothing and also them removed from my credit report. Thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Monterey Collections SV - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX XXXX, On XX/XX/year> I disputed an account reported by Monterey Financial in the file you maintain under my Social Security number. 
I was informed on XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (FL)

My credit score is being affected by a charge made by XXXX XXXX XXXX  XXXX after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department XXXX XXXX XXXX XXXX, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (GA)

in XX/XX/XXXX I sent XXXX XXXX  XXXX to XXXX, though worldRemit, after 2 days I didn't receive the money, I requested cancelation and my money back, the cancelation is in verification I don't know why? I called to them, They said they don't have a determinate time to respond my request, I explained to them I need my money back because I have an emergency in XXXX, the say that I need to check the process. It's unfair because I don't have money to send again. And they were rude with me and them don't gave an explication.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (AL)

I had a personal loan from 1st Franklin, XXXX XXXX and XXXX XXXX. The loans were done during the few years of the pandemic and I lost employment and have been since then trying to recover. The accounts have all been placed in collections and charged off and the information from the accounts are being furnished illegally.

( 1st Franklin ) reported balance : {$1200.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX XXXX XXXX reported balance : {$400.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX ) reported balance XXXX {$1000.00} date of the accountXXXX *the account is charged off as bad credit and sold to another lender
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (IL)

Fact, The truth in lending act is intended to inform consumers about the cost of credit. 

Fact, The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived so be it. 

Chrysler Capital is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Chrysler Capital did not include my insurance in my finance charge. 

Chrysler Capital is in violation of 15 USc 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Chrysler Capital in fact took cash {$500.00} dollars. 

Chrysler Capital is in violation of 15 USC 1611. They Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
Consumer complaint received 2017-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (LA)

Last Reported XX/XX/XXXX Collection Agency CENTRAL FINCL CONTROL Original Creditor XXXX XXXX HOSPITAL Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$280.00} Remarks Chapter XXXX ; dispute resolved/ consumer disagrees This account is still reporting on my check report as open. I have disputed this several times to the XXXX credit bureau that this account should be closed and removed from my credit report. The creditor agreed to remove this item from my file. This is having a negative impact on my credit score
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.