BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ). 

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. 
I will explain. On XX/XX/2023 I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/223 at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/2023. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX XXXX in the account and that I need to calm down. How can the XXXX XXXX I had in the account yesterday XX/XX/2023 just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX XXXX on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the first week of XXXX of XXXX, my Chase Online banking account was hacked. The hackers were able to steal my log in and password from my XXXX XXXX Passwords. The hackers extracted money from my savings account to an outside external account ( XXXX XXXX XXXX account ) not known to me. The hackers committed fraudulent activities from XX/XX/XXXX until XX/XX/XXXX of XXXX. I didn't notice it until that weekend from text and email alerts and we were able to block and reverse the newer and more recent fraud transactions of XX/XX/2023. Since we were unable to reverse the other two transactions from XX/XX/XXXX for {$450.00} and XX/XX/XXXX for {$1400.00}. I had to file a fraud claim at the time. I immediately changed my login and password that weekend of XX/XX/XXXX and XX/XX/XXXX of XXXX. My fraud claim was denied on XX/XX/2023. They response was that I didn't change my login and password, which is a lie. And they claim that I have always used XXXX payments and that this outside account online transaction was done from my device. Which doesn't make sense since I was hacked and its possible that the hackers stole my IP address also. I do not recognize this XXXX XXXX account. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, these accounts have violated my rights. 


Account Name : 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 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 Balance : {$360.00} 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 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 2023-03-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  sold/transferred our mortgage to Truist bank around XX/XX/2022, and NEVER notified us that this was going to happen, which is not in compliance with regulation 1026.39 ( Mortgage transfer disclosures ). Somehow, XXXX also failed to have our address correctly on file, despite servicing our mortgage for years. Our condo has a unit number ( XXXX ) attached to the address, and XXXX was lacking the unit number. Our mortgage payments were on auto-pay with XXXX prior to the transfer to Truist. 

After XXXX transferred us to Truist, our auto-pay was obviously interrupted, and we didn't notice until after we had missed a payment out of our account that anything was amiss. Truist started threatening us with foreclosure after just ONE missed payment, and Truist said it would show up on our credit report as a missed payment, which is XXXX XXXX and out of compliance with FTC rules for a 60 day grace period after transfer ( https : //consumer.ftc.gov/articles/your-rights-when-paying-your-mortgage ). 

Then, Truist made it impossible to setup our account online because the account was overdue. They made us wait until normal banking hours to call in, and wait for what felt like hours on the phone to find the right person to talk to to get the account set up. I got bounced around several departments, being told different instructions by different people and not getting anywhere. Finally we got the account set up and made the account whole ( paid the missed payment ). As a part of setup, I told the agent that our address needed to have the unit number added to the address, as Truist had the same issue as XXXX where they didn't have a unit number in the address. Totally ridiculous that the banks can't get the correct address for the property they technically own. 

Then we got another late notice in the mail from Truist after we had already caught our mortgage up to be current. In the mail, the letter was left in our general mail room because it LACKED THE UPDATED UNIT NUMBER IN OUR ADDRESS. INFURIATING. Later, in XXXX, Truist continued to mail us ( for a delinquent tax payment that they missed ) at the incorrect address, still missing the unit number.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 2023-03-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 2023-03-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching all letters sent to XXXX XXXX XXXX XXXX ( XXXX ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to XXXX regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. XXXX did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXXXXXX XXXX on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

XXXX was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since XXXX has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion is reporting Inaccurate information on my credit report. 
TransUnion File Number : XXXX Date Created : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Order attached. 
XXXX XXXX XXXX Account Information, XXXX Balance {$100.00} Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX XXXX XXXX  This is a insurance payment already paid. I got coverage at auto dealer, when buying a car on XX/XX/XXXX. I cancelled policy with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I sent an email to XXXX XXXX cancelling policy # XXXX XXXX. XXXX XXXX  need to provide validation for debt.

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 2023-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching all letters sent to PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) along with proof of delivery and copies of certified mail documents. 

On XX/XX/XXXX I mailed out TWO ( 2 ) extensive letters to PRA regarding DISPUTED and ALLEGED DEBT on two accounts that they claim I allegedly owe them money on. PRA did receive these letters since both collection accounts were marked as disputed on my credit reports shortly thereafter. 

I NEVER RECEIVED A RESPONSE. 

On XX/XX/XXXX I resent both letters via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX in an envelope packet that was received at XXXX XXXX  on XX/XX/XXXX at their XXXX, VA address. 

Again, NO RESPONSE. 

PRA was provided with my current address ; a copy of my utility bill verifying my current address ; a copy of my Social Security Card ; and, a copy of my drivers license ( which shows an older address not used since moving to my current address on XXXX XXXX in XXXX ). 

Since PRA has ignored my numerous attempts to contact them, I am demanding they DELETE and REMOVE all reporting to ALL CREDIT REPORTING AGENCIES. Furthermore, I demand that they extinguish their claim to the alleged debts they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 names : XXXX XXXX XXXX, XXXX XXXX, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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.

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