davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

i gotten a loan from world finance corporation in XX/XX/XXXX, not knowing what was the interest rates laws in texas. i recently found out after XXXX XXXX XXXX sent me a copy of the application ( bond ) stating that the APR was 30.5 % ( 13.5 % over Texas Usury law of 18 % .which is a violation of Texas State Laws on Usury Violations Texas Finance Code Chapter 305 Civil Penalties : If a creditor charges more than the allowable interest rate ( e.g., above the 18 % limit in the Texas Credit Letter ), the borrower can recover the greater of : Three times the amount of interest ( 13.5 % ) charged above the legal rate = 40.5 % {$2000.00} or 20 % of the principal amount, whichever is less Attorneys Fees : If the borrower successfully brings a case for usury, the lender may also be liable for reasonable attorneys fees ( Texas Finance Code 305.005 ). 
Criminal Penalties ( Tex. Fin. Code 305.008 ) Usury is a misdemeanor in Texas. Each offense can result in : A fine of up to {$1000.00}. 
In cases of willful or repeated violations, the lender may also face additional legal action or further penalties imposed by the Texas Office of Consumer Credit Commissioner ( OCCC ). 
Lender 's Liability : If found guilty, all interest already paid by the borrower on the usurious loan must be forfeited or refunded. The loan agreement may be rendered partially or entirely unenforceable, depending on the severity of the violation Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. 

The TILA mandates clear and accurate disclosure of all loan terms, including APR. A lender who fails to disclose the true APR or charges excessive interest could face : Civil penalties and liability for actual and statutory damages. 
Borrowers can sue for twice the amount of finance charges ( {$910.00} ) in cases of non-compliance with TILA. 
Consumer Financial Protection Bureau ( CFPB ) Oversight : The CFPB has the authority to investigate and bring enforcement actions against lenders who engage in unfair, deceptive, or abusive acts and practices ( UDAAP ), including the imposition of excessive interest rates. 
A federal complaint can also be filed with the CFPB for improper or usurious lending practices. 
Racketeer Influenced and Corrupt Organizations ( RICO ) Act 18 U.S.C. 1961 et seq. : In extreme cases, if a lender engages in a pattern of usurious lending practices, the conduct may fall under RICO. This can expose the lender to civil lawsuits, fines, and criminal penalties.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VT)

XX/XX/year> dated letter. 
Opened on XX/XX/year>. Letter from Chase stating my credit card application was denied due to suspected fraudulent activity. I called the telephone number in the letter : XXXX ( Chase Fraudulent Services ). They asked for the following information to confirm my identity : Name SSN Mother 's Maiden Name Mother 's DOB Previous Address Years residing at previous address. 
I stupidly gave them all my information. 
I don't know if the number I called was actually fraudulent. I can't reach an actual human being at Chase. I froze all my credit accounts and put fraud alerts on others.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I am seeking assistance in an illegal collection of a debt. Not sure from where or when, but the last credit card I owed was in XXXX. Which was sold and now trying to be collected through garnishment. Illegal. The original debate was from pentagon federal, who kept extending the debt saying the card was active past XXXX  years. Then was written off and now being collected through a garnishment. I need help because they have made accusations that we have spoken and payments made. False we never did and anything they try to produce is not true. Illegal practices on both parts. The county is XXXX in Ny. Please give me a contact number to speak with.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Certainly! Below is a draft of a complaint you can file with the Consumer Financial Protection Bureau ( CFPB ) regarding outdated addresses, name variations, and incorrect Social Security Number ( SSN ) information related to an attempted identity theft that is still reflected on your credit report : Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Old Addresses, Name Variations, and Incorrect SSN Related to Identity Theft To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report, which include outdated addresses, incorrect versions of my name, and an incorrect Social Security Number ( SSN ) associated with an attempted identity theft. Despite multiple attempts to have this information removed, it continues to appear on my credit report. 
XXXX XXXX : On [ XX/XX/year> and XX/XX/year> ], I have submitted two formal disputes with the credit reporting agencies to correct inaccurate personal information, including : Old Addresses : Several outdated addresses remain on my report, despite me no longer living at those locations and requesting their removal. 
Name Variations : Incorrect and unauthorized versions of my name, which are not reflective of my legal name, continue to appear on my credit report. 
Incorrect SSN : A fraudulent SSN tied to an identity theft attempt is still listed on my report, causing me distress and potentially leading to further damage to my credit. 
Specific Concerns : Failure to Investigate and Correct Inaccuracies : As per the FCRA, the credit reporting agencies have a duty to investigate disputes and correct inaccurate information within 30 days. I have made two attempts to dispute the information, but it remains unchanged on my report.

15 USC 1681i Failure to properly reinvestigate disputed information.

15 USC 1681s-2 ( b ) Furnishers of information have a duty to correct and update inaccurate information. 

Inclusion of Information Related to Identity Theft : The fraudulent SSN that remains on my report is directly related to an attempted identity theft. Continuing to include this information not only puts me at further risk but also violates my rights under the FCRA.

15 USC 1681c-1 Fraud alerts and requirements related to identity theft should have been applied to my report to ensure its accuracy and prevent harm.

Negative Impact on Creditworthiness : The inclusion of incorrect personal information, such as the outdated addresses, incorrect name variations, and fraudulent SSN, has likely contributed to errors in my credit profile and may have led to unfair denials of credit.
Consumer complaint received 2024-10-25
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: JPMORGAN CHASE & CO. (IL)

My credit card was used on XX/XX/year>, by someone that was not me, for over XXXX XXXX 

I got a text message via chase asking if it was me. I said NO. And they said they closed the account/will send a new card. 

I then called them that night regarding how fast I could receive the new card. 

On XX/XX/year>, I received a call from Chase XXXX department directly to inform me that the dispute has been closed in my favor and that the temp credit would be permanent. I thanked them for their time. 

Now on XX/XX/year> I received a letter via Chase.com to let me know that the charge is valid and the amount will be put back on my credit card. 

How can they call me to tell me its closed in my favor and then 3 days later tell me its not? bad customer service, and just lost my trust. 

I would like them to go back and honor what I was told via phone on XX/XX/year> by the lady with chase XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Body of the letter : Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer.Please delete these accounts off my report.
Consumer complaint received 2024-09-27
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. (NY)

XXXX XXXX XXXX isn't the original creditor listed on the Transunion Credit Report. 15 USC 1681 ( e ) b states maximum accuracy for a credit report which hasn't been applied.
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive noticed several unfamiliar items on my credit report, and Im concerned that my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before, and Im now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not accurately reflect my credit history or financial management. If we can not resolve this matter quickly, I am prepared to take legal action to protect my rights and find a resolution. These inaccuracies are major obstacles to my financial goals, such as purchasing a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union has included negative information reported by XXXX XXXX on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Unions compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. Again, I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Dealing with Discover. My payments were not late that they are reporting to all three credit bureaus. I was on a payment plan. I used this card for business that was affected by covid and have been trying to pay it off ever since. I have made consecutive payments and most recently they are reporting I was late with out any notification. I have paid the entire balance in full and yet it is still reporting negative in month of XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC (GA)

Arcon Credit Solutions got my private property XXXX XXXX without my consent, which they violated two UCC Filings. File number XXXX with a fine for more than {>= $1,000,000} and File Number XXXX with a fine for more than {>= $1,000,000}. They damaged my reputation by saying that I owe a debt that is not mines. They are trying to coerce and threaten me into paying a fraudulent debt.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (FL)

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
Your company is harassing me by calling me multiple times a day via telephone number XXXX ( XXXX ) XXXX. 
Friday twice on Tuesday. This is uncalled for and unacceptable. I put a screenshot as an exhibit A.
Consumer complaint received 2024-07-20
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: EQUIFAX, INC. (NV)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-06-14
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. (IL)

If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.
Consumer complaint received 2024-07-20
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: EQUIFAX, INC. (CA)

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 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 XXXXXX/XX/year>
Consumer complaint received 2024-07-20
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: EQUIFAX, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-20
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: EQUIFAX, INC. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.