vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: TX

Complaint narrative:
I reached out to Sezzle in regards to making the account current or sending out a payment arrangement before any 30 day late issue. I explained my XXXX XXXX  and what my objective was to keep the account in good standing. My email as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Overall, I have worked significantly less. Financial setback has only allowed me to pay bills related to living expense & food. 

I am not sure what a reactivation fee amount is on top of a late fee. Could you please give detail what each one costs? 

Lastly, I will make my payment when financially feasible and within a timely manner. 


Their response : XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX  XXXX XXXX, Thank you for reaching out to Sezzle shopper support! We know that life is unexpected, and sometimes difficult circumstances arise that make it straining for individuals or families to make payments. Here at Sezzle, we want to do what we can to empower all our shoppers to make sound financial decisions. 

So, to allow time for you to focus your energy on what is most important, I have rescheduled all your payments by 4 weeks from their previous due dates. Please be sure to review and confirm the new due dates on your account.

Last day today I received a hit on my credit after this movement by the company for four weeks out. I received a 30 day late payment on XXXX XXXX, XXXX and XXXX. this was never discussed, the company made this moment on their own out of courtesy. However, this is change couldve been made for a sooner date than 30 days as I was not advised, this would still be reported. This moment with per the company. If they are considering helping customers, this invited them if they enter in agreement or they are courtesy, moved four weeks out that this could still affect their credit. In reality this moment nothing to benefit or help me during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XX/XX/2023 I received a notification from XXXX saying I owe an apartment building {$13000.00}. Ive never even lived in this apartment, I filled out an application and was denied so Im confused at how I owe any money and have an eviction on my name when I have proof I lived at a different residence. Ive sent a debt validation and a 609 letter requesting a physical copy of me signing a lease and never received nothing. Ive been asking them to remove this debt since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Payfare International Inc.
State: MA

Complaint narrative:
I was charged {$150.00} on XX/XX/2023 and {$50.00} on XX/XX/2023. These were charges for incidentals at the XXXX. These were supposed to be returned within 7-10 business days and I have spoken to my bank and they assured me the funds would be released on XX/XX/2023 for the {$150.00} charge and XX/XX/2023 for the {$50.00} charge. The hotel claims they already released my funds. However they still remain as pending charges on my account. I have called their corporate office XX/XX/2023 and I was supposed to hear back on XX/XX/2023. I called again and was told to wait until XX/XX/2023 for a response and still nothing. The accounting manager emailed me saying he can not help me they have no access to my account. The fact is the XXXX is still holding my {$200.00} until XX/XX/2023. This is beyond a 7-10 business days policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I attemped to withdrawl {$500.00} with a XXXX XXXX bank card, from a Huntington Bank ATM located at XXXXXXXX XXXX  XXXX XXXX XXXX, Ohio XXXX. The machine made the sound of despensing the cash but when the cash slot opened there was no cash. I thought maybe I hit a " LIMIT '' on the machine or even my account. 
I reinserted the XXXX XXXX bank card and made a second attempt to withdrawl of {$400.00} cash but this time I was successful. 

I thought I had just hit a limit and thought nothing more about this issue. I have accounts at both Huntington Bank and XXXX XXXX XXXX. 

The following day I got a banking summary from XXXX XXXX and to my suprise the was a debit for both {$500.00} and {$400.00} on XX/XX/XXXX I called XXXX XXXX and file a compliant thinging everthing would be corrected. Well 4 months later I am still battling the banking system. 
I have made several trips to Huntington Bank and talk with a XXXX and and XXXX XXXX who wanted to help but nothing was ever resolved. Several calls were made to XXXX XXXX with no results. 

I have even brought in my finacial advisor which is the connection to XXXX XXXX. 
DOCUMENTATION REFERENCE INDEX XXXX ... ..document showing XXXX ATM transaction on XX/XX/XXXX XXXX ... .case no. XXXX XXXX XXXX of above XXXX... ..another contact document XXXX ... ..another attempt to resolve issue-new case no. 
XXXX ... ..provision credit XXXX ... ..reversal of credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I couldn't afford to pay my car insurance because I was laid off so I was charged a month in advance for an auto policy. I had switched to a more affordable company but XXXX had already sold the debt to Caine and Weiner who I never had a contract with. Now they are reporting on my credit false information that has dropped my score XXXX points. It is also showing up as an open account. I haven't received any notice except the ones that are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Team Recovery Inc.
State: OH

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-29 00:00:00
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Auto Trakk, LLC
State: AL

Complaint narrative:
Auto Trakk, INC Car was totaled in accident/there was no balance/ they reported collection on a closed/ never late on account!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Late payments of 30 days were reported to the credit agency. These dates were on XX/XX/2022, XX/XX/2022, XX/XX/2022. Payment was made to Macys credit card and account has been brought active. Currently, Macy 's account has no balance. These late payments occurred to the Covid 19 Pandemic Outbreak in New Jersey. I am asking for these late payments to be deleted from my credit report.

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/23 I received an email from Chase bank asking to confirm a purchase that was fraudulent. When I selected " no '', Chase informed me they would send me a new card. Minutes later I received another text stating a purchase was declined and I texted back " no '' meaning I did not approve. I immediately received a call from what showed as Chase Bank and contained their number on my phone. The man on the line said my account information was stolen and an ATM withdrawal was made. He informed me of all of my information including banking PIN. He said a XXXX payment was also blocked and I needed to resend the payment to XXXX to reverse it. After several minutes of hesitation he stated more of my account info and i mistakenly sent the XXXX payment thinking this was Chase. When I called back later to ask, Chase had no record or knowledge of it. They performed an investigation and said it was my fault for being scammed and I would not receive the {$5000.00} back from the XXXX. They refunded the ATM withdrawal but said the investigation was closed. No mention of me being able to track or file charges against the person that did this. They continued to tell me " Chase will never call you '' and that there was nothing they could do since I authorized the payment. However, my information was stolen and the scammer knew when Chase had reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

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 2023-03-29 00:00:00
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-29 00:00:00
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: AVANTE
State: NY

Complaint narrative:
On my XXXX report, there is a medical collection from Avante USA, I called & this was not me I'm a victim of identity theft, debtor is a doctor in XXXX & I've never even been to that state & furthermore, I have health insurance... I disputed it with XXXX XXXX and it came back as " ACCURATE '' however, it is not accurate. I am willing to go file a police report or take whatever steps necessary to get this. Removed off my credit report immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was an authorised user on a my friend 's XXXX credit card from XX/XX/XXXX to XX/XX/XXXX, with account number ending in XXXX. 
Again, I was an authorized user, not legally responsible for account in addition to having no involvement or access in ensuring the payments were made on time. 

I disputed with three Credit reporting agencies as soon as I was removed as Authorised User. XXXX and XXXX deleted the account immediately but Equifax is still reporting the history of the card up until I'm removed. 

I contacted XXXX and they said they have a policy according to which they will continue to report the history for the time period I was Authorised user which I believe is a violation of law because they are reporting an account that I'm not legally responsible for repayment. Authorised user agreement states that, I as an authorised user is not responsible to repay the card even if I used it, which means I an not legally responsible for the account repayment and it can not be reported in my credit reports, hence the violation from XXXX, according to FCRA. 

Now Equifax is classifying me as a primary card holder rather than an authorised user for the time period its reported. I don't know if XXXX is inaccurately reporting it that way or equifax is misinterpreting what's reported by XXXX. In any case, I think that misclassification is preventing equifax from removing this account from my report like XXXX and XXXX promptly did. 

My dispute with equifax clearly states that I am not legally responsible for this account but they failed to investigate this properly and thus EQUIFAX is in violation from according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I know that I am behind and doing all I can to catch up but Flagship calls almost each day. Almost each day that they call, they have called anywhere from 4-9 times daily within the month of XX/XX/XXXX alone. I have been communicating that I am doing my best to get this caught up and have already explained to them that the frequent calls are affecting my medically diagnosed mental illness. My fiance, XXXX, has been given authorization to speak with them due to the severity of the effect this has on my illness. Even when she or I have spoken to them they call the next day or two after speaking with them. We have expressed concern about this on different occasions ; the last occasion being around XXXX to XXXX. Even after making a payment we received repeated calls within less than a week from making the payment. 

Also, originally I was told in XXXX that I would be eligible for a loan modification in XX/XX/XXXX but now I am being told I have to make 3 contractual payments before I can receive a modification. We made 2 payments 2 weeks apart but it still does not seem to be enough. In fact it seems the calls have increased even more since we made the payments. 

The last agent that we spoke to on XXXX stated that there is a default on a medical extension and that the extension brought the loan current and that it is again 2 going on 3 months behind. We were told by the agent setting up the extension that it was not bringing the loan current at that time and that it was putting me only one month less behind so I am not sure what to believe. 

I am trying my best to catch up but this is affecting my mental health extremely. I need help not to be bullied and harrassed.It will be helpful if the offer of modification from XXXX for XX/XX/XXXX is honored and the company does not continue to make so many excessive and abusive calls and voicemails. My references have expressed concern with excessive calls also. I would also like for them to not call any more of my references repeatedly because they have my contact information.

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 2023-03-29 00:00:00
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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation