davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

Remex , Inc. Reference : Account Number # XXXX Dear Sir/Madam, I am writing to dispute the alleged debt referenced above, which your company claims to have acquired from XXXX XXXX XXXX . I am aware that as the successor in interest to XXXX XXXX XXXX, you are now bound by the arbitration agreement stipulated in XXXX XXXX XXXXXXXX XXXX arbitration agreement. As per the arbitration agreement, I am formally invoking my right to arbitration to resolve this dispute. It is important to note that the initiation of arbitration entails significant costs for your company, far exceeding the nominal value of the debt you acquired from XXXX XXXX XXXX. Before proceeding with arbitration, I am extending an opportunity for an amicable resolution. I am willing to settle this matter for {$1000.00}, which accounts for the emotional distress, anxiety, and financial hardship caused by this dispute. Additionally, it is imperative that you delete this tradeline from any credit reporting agencies to which it has been reported. I believe this offer is fair and reasonable given the circumstances. Failure to respond or engage in good faith negotiations may result in the escalation of this matter to arbitration, incurring substantial costs for your company. Please contact me at your earliest convenience to discuss this matter further and reach a mutually beneficial resolution. You can reach me at via email at XXXX. Thank you for your attention to this matter.
Consumer complaint received 2023-06-16
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. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theres a lot of inconsistencies on my report and is inaccurate.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (CA)

The XXXX XXXX XXXX in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (TX)

Apparently an account was opened XXXX of 2024 and I just got knowledge of it today XX/XX/2024... I talked to a XXXX XXXX XXXX today and she said she was closing the fraudulent account
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

I had asked them to waive the over draft fee caused on a holiday XXXX XXXX, they continue to tell me theyre unable too, knowing i get paid friday the over draft fees get taken care off they keep refusing to refund me the XXXX $ of over draft fee they charged on Items that were XXXX $
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (CO)

On XXXX XXXX, I reached out to Afterpay via the hardship department about my loans totaling of about XXXX XXXX I was not past due at this time, payments were scheduled throughout the next six weeks originally before enrolling in the hardship program. 

I was told my payments were all paused while Afterpay processed the plan. 

Early morning of XX/XX/XXXX I received an email saying that the plan was approved, that my first payment would be XX/XX/XXXX and that no payments were due until then giving me breathing space A few hours later I began getting back to back charges totaling over XXXX XXXX from Afterpay, forcing me to freeze my debit card to make it stop. over the next few hours they would attempt over XXXX times to take the full XXXX ( XXXX as XXXX had been successful moments before causing me to overdraft ) The payments were never due, they were spread out until XXXX originally before the hardship enrollment. 

Upon enrolling in the hardship, there was an unexpected error ( afterpays words ) which caused this because it was entered incorrectly on their end. It had marked every single loan past due and changed every installment date to XX/XX/XXXX. 

Afterpay adjusted the hardship to its proper terms several hours later after several emails ( they do not have a phone number ) but are refusing to return the money that was wrongfully taken. They admit that it was a mistake on their end but will not return the money to me. I have emails proving this was a mistake that they admit. 

Afterpay refuses to return wrongfully taken funds.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/XXXX - signed up for pay over time ( SCAM ) Nothing was sent to us regarding the terms and conditions XX/XX/XXXX we got a bill for {$1800.00} I requested to speak to XXXX XXXX from day one to explain the pay over time feature.

Spoke to many representatives that gave our misleading information.

XX/XX/XXXX still no resolution, they prolonged the account to go past 60 days due.

They stopped all terms of communication and no resolution reached.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America keeps paying and allowing payment to process when I have no funds in my account then charge me NSF fees?! I have called before to tell them to not let any payment go through if I have no money because I do not have overdraft protection. I can not afford to keep paying these nsf fees, obviously. I will be filing a complaint. Stop all transactions when I do not have any money in my account to repeatedly keep trying, causing my account to be overdrawn and accumulate fees. I am currently on state XXXX since XX/XX/2023 and still until this day have not gotten my XXXX money. I have no money to pay for my groceries, let alone these fees theyre attempting to charge me causing me more stress and XXXX as it is. I have no money right now to even buy groceries. My Bank of America EDD account has no funds for me to even use and my anxiety has sky rocketed.
Consumer complaint received 2023-09-08
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (SD)

My employer gave me a {$110.00} Virtual Visa prepaid gift card, issued by https : //www.prepaiddigitalsolutions.com and on XX/XX/XXXX, I registered my card with them online. I used {$100.00} in transactions. The card expired XX/XX/XXXX. On XX/XX/XXXX prepaid solutions XXXX out the virtual card balance with a {$10.00} reversal. When I chatted with online customer service, they informed me that, per the cardholder agreement, the balance was lost. After learning from the CFPB website that I could request the card be re-issued, the second rep I chatted with informed me this wasn't possible because the {$12.00} reissue fee would be greater than the {$10.00} balance.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Sapphire reserve credit card The balance for which was paid in full over a week prior to the statement closing date. However I was charged {$390.00} dollars for interest on a balance that was paid In full on the following statement. Chase refunded {$300.00} of interest but refused to refun the remainder.
Consumer complaint received 2023-09-08
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: TRUIST FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GVA Holdings, LLC (PA)

On XX/XX//23 I received an email stating that my loan was paid in full. 

However, on XX/XX/23 I received a letter stating instead that my account is suddenly past due. Furthermore, the person on the phone was extremely XXXX XXXX  and refused to explain why I was being charged more money. I ultimately sent in a paper check under duress but as a person with XXXX I am extremely uncomfortable with unethical business practices employed by these XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

Recently I noticed that when I travel international ( XXXX ) to be more specific I noticed whenever I use my US Bank Debit Card I have been charged both an ATM fee, a transaction fee and an international transaction fee. On XX/XX/2023 I made a purchase XXXX XXXX  XXXX XXXX  in XXXX @ a total cost of {$7900.00} and I was charged a processing fee of {$230.00} there are many other processing fees that has been charged to my account in different amount from {$3.00} and up. I was not informed about these charges so I think that the bank should reverse these processing fees.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NC)

Upon discovery after viewing my consumer report I see that XXXX XXXX & his company Capio Partners LLC is report-ing an alleged debt onto my consumer report. I am requesting verification- ( sworn under oath ) of this alleged debt by XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also demanding that Capio Partners LLC cease & desist all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ).
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

Called Wells Fargo regarding fraudulent charges at 2 locations that I, never go to. These were 2nd time happened within couple of months. The difference was that the previous activity was done online. The charges this second time, worth {$33.00}, happened on same day one after the other. The locations are close to our house, but I nor anyone in family ever go. I do not drive so only travel with one of my daughters. Wells Fargo sent letter saying that it is not fradulent thst my card was inserted in. I had my card with me whole time did not lose it nor did anyone else take my card without my knowlwdge to use it. Since same thing happened to my brother, where they tried to say that it was my brother, who is in Virginia, who was using his card in California when he hasn't been to california in years. After several attempts Wells Fargo reopened case and he was able to get his funds back. Similary, we asked to reopen my case and reinvestigate. They refused..instead I have been yelled at on the phone by multiple people and hung up on multiple times, even by so called managers. For this reason I do not like to get on phone to talk but they will not talk to my daughters even on speaker phone and with me giving permission for them to be on the call. I have been told different things each time. I was told that they can mail my documentation to show that it was me who authorized the charges very next day after the call. Never happened so I called again to be told it will take 14 days..never happened to be told last time I called that it'll be 30 days. {$33.00} may not seem big, but to someone, as an XXXX yo, who is only living off of social security, that is a lot. Just last week again, I had to call with additional fradulent charges. This time, they took care of it right away and credited the amount. Told the agent who helped out about my previous charges issues. She stated that a manager would call, but I haven't received a call yet. This agent also said that documentation is never mailed out, unlike what the previous people told me. She is also the only one who acknowledged that card cloning still occurs. I just received notification last week that from my last hospital stay in XXXX, my information had been caught up in a huge breach. It sounds too coincidental with the repeated fradulent charges on my account. I have never had an experience like this with anyone, nor have I ever been treated so disrespectfullly as I have been by Wells Fargo. I opened up an account with XXXX XXXX over 38 years ago when i first moved to the country and just continued through the mergers from Wachovia to Wells Fargo. It is disheartening that all these years, I never had issues with them to be treated as I have been lately. It's disappointing to know they don't value customer service.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My credit score keep falling down by a over XXXX points two times in a month! This is while I have on-time payments and {$0.00} balance every month.
Consumer complaint received 2023-07-07
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. (CA)

IN PURSUANT TO 15 USC 1681A ( 2 ) ( B ) DELETE THESE ACCOUNTS AS WELL AS THEY ARE IDENTITY THEFT AND NEVER HAD PERMISSIBLE PURPOSE 15 USC 1681 ( B ) Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), It is my right to privacy it is not a privilege. I HAVE 35 Inquiries and 3 Installment loans reporting on my credit report without my written consent which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

Debt was paid to LVNV funding through garnishment on XX/XX/. Now they sold it to Resurgent who is using my former name to collect this debt. Saying I owe {$760.00}. I do not owe the original creditor XXXX XXXX XXXX  it was satisfied through court on XX/XX/. I only had one XXXX XXXX credit card.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXDTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-06-16
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. (OR)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-16
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX