davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

My friend sent me {$200.00} via XXXX on XX/XX/22. I have not used XXXX in a while so I had to delete my old debit card and tried to link my new one. It said it was linked to another account. I only have 1 acct. I kept getting that message, so I XXXX XXXX XXXX telephone no. The number I called was XXXX. They guy said he was XXXX with XXXX. He said he would help me get my account fixed and card linked. I was on the phone with this person for 3.5 hours. We hung up at one point, and he called me back from XXXX. During this duration, he say he could not get it to work with my debit card and instructed me to purchase a XXXX XXXX card. I ended up purchasing XXXX of these in the XXXX hour period. I could see the money going into my bank account, so I thought it was legit. At the end of the XXXX hours, my XXXX account was down to {$2.00} from {$200.00}, and {$1100.00} was taken from my bank account. {$900.00} was from the XXXX XXXX XXXX card transactions and {$190.00} was a XXXX transaction. I have never used XXXX in my life! The XXXX transaction was done completely by the scammer. He had accessed my email, XXXX account, bank account, and even got my driver 's license. I filed a claim with Truist and was denied because I had done the transactions. I have since canceled my debit card, ordered a new one, and changed all passwords. This is the first time this sort of thing has happened to me. it was all part of the scam.
Consumer complaint received 2022-12-17
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. (NC)

My name 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.
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NC)

Back in XX/XX/XXXX my account was hacked by someone ordering things from XXXX. They charged over {$1100.00} to my account causing my account to be in the negative. I told Chase bank about this fraudulent charges on my account and sent me to their fraud department. So Chase bank reimburse me back the {$1100.00} dollars and I asked them did I need to pay this back to them or does this belong to the bank. I was told by their representative that it was my money. Fast forward toXX/XX/XXXX I 'm charged back the {$1100.00} which caused me to be negative {$1100.00}. I 've called Chase and they informed me that wish .com put the money back in my account. So I asked Chase bank if Chase paid me and Chase fraud department handled the case then should n't they have got reimburse by XXXX XXXX? How did Chase deposit money that was owed to them into my account? So now they want me to pay off this negative balance that Chase bank wrongly messed up.
Consumer complaint received 2016-03-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CO)

On XXXX/XXXX/2016 Paypal submitted a trial deposit of XXXX into my XXXX business account in attempt to illegally access my account. The item description was labeled PAYPAL XXXX XXXX XXXX XXXX XXXX, I have no idea who is XXXX XXXX, nor did I authorize any external link between my XXXX account and paypal. They can not legally just attempt to link themselves to customer accounts without their consent!, they also said that I owed them {$4000.00} balance for services I never rendered. I have attached the supporting documentation of what I reported as fraud on my account.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am a victim of a scammer ; I had a job offer on XXXX as a XXXX XXXX XXXX XXXX  and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. So, I was assured that the check was valid. So, I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question, and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me, and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude, and they told me that " You made all those transactions, you got scammed why did Wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again, they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft, and I am an XXXX student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due, and I had a problem by paying my XXXX payment bills. And now Wells Fargo wants to send the debt to a collection! I believe this is not fair and I am not 100 % responsible for whatever happened.
Consumer complaint received 2022-03-15
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
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. (MI)

in accordance with the Fair Credit Reporting act XXXX 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 ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2022-03-15
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. (MI)

in accordance with the Fair Credit Reporting act XXXX 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 ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

XXXX  XXXX XXXX closed an account and reported it as Account Abuse. During the time of the suspected account abuse I was hospitalized due to XXXX and provided the XXXX XXXX as well as Police Report. I was told by the banking center that this would not be reported and it was which negatively has impacted my ability to work as an XXXX XXXX.
Consumer complaint received 2022-03-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MD)

I still have not received any correspondence from this credit is reporting to my credit report stating that I owe a debt to them and I have no clue who they are. This negative reporting is impacting my credit score and preventing me from achieving my financial goals. I do not know about a debt to this creditor and I would like for them to submit to me the documents to state that I owe there company a debt. In the state of Maryland it is not legal for a third party to report to the credit bureau about a collection that they brought from XXXX and trying to receive additional funds from me. This debt was paid for by the third party back when they first reported to my credit report.
Consumer complaint received 2022-03-15
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. (MI)

in accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2023-01-26
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct number XXXX {$2300.00} XXXX, XXXX account number XXXX {$780.00} XXXX XXXX {$150.00} -XXXX XXXX account XXXX {$1600.00} XXXXXXXX XXXX XXXX account XXXX {$90.00} XXXX XXXXXXXX XXXX account XXXX {$89.00} 15 USC 1681 section 602 A states my right to privacy.

15 U.S.C 1681 section 604 A section 2 also mentions a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I opened a new account at TD Bank and the bank made a choice to freeze the account and said it was possible fraud. Considering I opened up the account in the branch with photo identification this bank had no business doing this to the account. I believe this happened because I am a man of XXXX and XXXX I was targeted and discriminated against.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-03-15
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 accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 
XXXX 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.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-03-15
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. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consolidated Recovery Group, LLC (GA)

I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX XXXX -Acct number XXXX Charged off credit XX/XX/XXXX I contact XXXX  XXXX about this closed account. They havent taken my credit report as of XXXX
Consumer complaint received 2017-09-08
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. (NY)

Credit reporting agency Equifax was hacked on XXXX XXXX, 2017, affecting 143 million credit users in its database. This was not made public until XXXX XXXX, 2017. I believe I was affected because, over the labor day holiday, I was contacted by the provider of my XXXX XXXX card, alerting me to potentially fraudulent purchases totalling more than {$200.00}. At the time, the Equifax hack details were not known and so I was at a loss to figure out how my card was compromised. The card was always in my possession, had only been used at reputable retailers and both my wife and I use wallets that secure against electronic " skimming. '' When I contacted my card provider yesterday they said they would not be informed by Equifax whether or not their breach had anything to do with my information being compromised, but that the card provider thought it likely.
By way of remedy, Equifax has offered only a free monitoring service for one year, run by them. Signing up for this remedy, by their terms of service, would preclude me from seeking any legal remedy, so it is an unacceptable option.
I am writing this complaint not because you do n't already know of the Equifax hack, but to give you a consumer-related reason to pursue remedies on behalf of the public.
Consumer complaint received 2022-12-17
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. (AR)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 an 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused to believe that the information is inaccurate.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX TRANSUNION XXXX 
XXXX XXXX  Date of inquiry XXXX