vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Formal Notice of Violations and Request for Remediation Dear CCS Collections, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how CCS Collections has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within XXXX XXXX from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on CCS Collections provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form XXXX 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXX dollars per violation per federal law.

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.

I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.

I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX

Complaint narrative:
Took out a Payday loan with MAXLEND on XX/XX/XXXX for {$870.00} assuming the APR was 10 % or 35 %. Making payments first was XXXX and then every XXXX weeks {$210.00}. Then noticed I had paid {$1400.00}. Looked at my PDF paperwork ( should have checked when I got it ) that my APR was now 635.47 %. Total payment {$3800.00} in 18 payments up to XX/XX/XXXX. I paid them off on XX/XX/XXXX owing and additional {$890.00}. Making the total payout {$2300.00}. They profited {$1400.00}. I live in Texas which I checked gives them the right to set any APR. As of today ( XX/XX/XXXX ) they changed their " How it Works '' to say they will adjust the APR according to your current credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
Credit reporting act the list of accounts below has violated my federally protected consuer eights to privacy and confidenitality stated on credit laws anything on my credit report should be concent by me only should given any eport with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK
State: PA

Complaint narrative:
I asked the company to take the late payments off I also tried to make arrangements but they would not let me they want all there money at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
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.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
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.
State: MD

Complaint narrative:
my information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was a victim of this breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. I have listed all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
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.
State: MD

Complaint narrative:
my information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was a victim of this breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. I have listed all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westcreek Financial
State: FL

Complaint narrative:
Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX  XXXX New & Used Tires The financing company is called KOALAFI ( West Creek Financial DBA ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used KOALAFI to finance anything. I have already filed a police report about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NE

Complaint narrative:
netspend XXXX XXXX XXXX XXXX XX/XX/XXXX BACK : XXXX XXXX https : //www.netspend.com/ ( XXXX ) XXXX XXXX Texas XXXX Deliberately made the validation far too difficult for my Nephew XXXX XXXX. 
They asked him where he lived between XXXX and XXXX when he was XXXX year old. 

XXXX did not know that his Mom moved them away from XXXX XXXX IA because his father became XXXX. I think that they moved to a farm house in Iowa. 

They also asked XXXX where " XXXX XXXX XXXX XXXX '' is in a town that he lived in for two month at an address across town from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
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.
State: TX

Complaint narrative:
The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of XXXX XXXX XXXX XXXXXXXX To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, TransUnion and XXXX have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both XXXX and Transunion over XXXX XXXX XXXX. I urge TransUnion and XXXX to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kimball, Tirey & St. John LLP
State: HI

Complaint narrative:
Company name is XXXX XXXX and XXXX XXXX. 
Amount is XXXX open XXXX  Never received a letter. 
I have called multiple times and offered multiple amounts to settle this and i don't know what I'm being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC

Complaint narrative:
This collection agency has furnished a medical record to my consumer report illegally without my authorization under XXXX. XXXX is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose XXXX, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and XXXX operations Opportunity to agree or object to the disclosure of XXXX An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of XXXX, without an individuals authorization or permission, for XXXX national priority purposes : When required by XXXX XXXX XXXX activities Victims of XXXX  or XXXX  or XXXX  XXXX Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons XXXX XXXX XXXX, or XXXX donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the XXXX priorities listed above. This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Over the last 15 years I have owned my own small business and have worked with XXXX  XXXX XXXX with business accounts and loans etc. 
I have had Chase Bank send me their Ink card information for at least 8 years and finally offered a good opportunity and I applied. My credit scores are XXXX depending on debt payments so very good normally. 

I was turned down. 

I am asking you contact them and ask them to take me off their list and I don't want to hear from them every again. I believe their advertising push is misleading and a waste of mail. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I checked my credit report and saw an account i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Refinanced my vehicle in XX/XX/year>. My hubby was on his death bed from XXXX and it was a quick way to keep moving on. Recently heard about the deceptive practices alleged against OneMain and checked my agreement. I found that I too had been sold an insurance policy without my knowledge. Extremely high interest rate as well.I feel as though I was taken advantage of by OneMain while I was in a very vulnerable state. Please check this out. As a XXXX XXXX XXXX XXXX, I don't have any extra to spare. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
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.
State: CA

Complaint narrative:
The following inquiries are fraudulent : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I had a credit card debt on my credit report and reached out to Midland Credit Management to understand why this old debt was on my report and to provide debt verification so that I could resolve or dispute. They refused to communicate with me via email. The refused to allow me to access account information on their online system. They refused to allow chat reps or phone reps to discuss the account with me other than to say that I had to provide my address for them to speak with me. I sent a letter requesting that they communicate with me via email so I could document their communications and have prompt responses = since email is so much faster than postal mail = and they refused. I called them after receiving no response to my letter and they said they could not discuss my account because it was disputed ( and I had merely requested debt verification ) and that it would take 90 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
I noted that no matter how much I paid to bring down my credit card balance, the cash advances listed kept increasing. I called Discover and asked to be able to pay off the cash advance balance, but was told they could not accept that because of their " payment protocol. '' I wrote a letter asking for a listing of all the cash advances and their dates. No response was received via mail, but did receive an email asking me to call their number. I called and upon inquiring on the cash advances, was told the following 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, {$100.00} plus fee, total of {$110.00}. All these cash advances total {$760.00}, but notwithstanding my higher than scheduled payments, I am currently listed as having a cash advance balance of {$1700.00} as of the XX/XX/XXXX statement, more than double the original cash advances. This is usurious in the extreme. The last payment I made to the credit card balance was {$1000.00}, but it did little to reduce the cash advances. I am quite willing to pay off the cash advance balance, but Discover will not accept my doing so, clearly because they make more money adding interest to the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Titanium Funds
State: UT

Complaint narrative:
I purchased a vehicle that was financed through titanium funds back in XXXX. I had the car for about XXXX week and I could not afford to insure it and i returned the vehicle to the car lot. Titanium funds has been reporting negatively on my credit every single month since XXXX. I am on XXXX and Ive asked several times about forgiveness or what I need to get this off my report and they said that there is no statute of limitations on how long they can report and refuse to give me any kind of assistance in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
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.
State: NY

Complaint narrative:
This would be my 6th dispute letter to the three ( 3 ) major credit bureaus because my previous letters were left unanswered and unresolved. I have repeatedly advised them with all honesty that these reported accounts below were found to be inaccurately reported on my credit files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account XXXX : XXXX Kindly help me resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief