BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Kabompo Holdings, Ltd.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I have a XXXX XXXX account with Paxos that I opened with $ XXXX in XX/XX/XXXX via Interactive Brokers. As you probably know, Paxos is closing XX/XX/XXXX. I have been trying unsuccessfully to reset my password to login to Paxos this past week. Their email response was to " reset my XXXX  password, '' as if that would help lol. They are obviously blowing me off after multiple attempts at sending help requests from their website, which has no phone number ; nor can I find XXXX online. I need help making my final withdrawal from Paxos. I have called XXXX twice and they are unable to help me. They give me a runaround that my Paxos account is not connected to my XXXX  Brokers account, which I know, as it never was, as I am retail customer without crypto trading priveleges, even though I opened the Paxos account XXXX  years ago using my XXXX  account because you HAD to be an XXXX customer to be able to open and make deposits to a crypto account with Paxos. See attached screenshot showing XXXXXXXX XXXX guide to logging into Paxos... 
Also back in XX/XX/XXXX I tried to withdraw money from my Paxos account several times. Although I went to my bank to confirm the correct XXXX  number, etc., Paxos rejected or declined the transfer of my money back to my account several times : see screenshot of emails. 
I hope to hear from you as I do not want to lose the money I have at Paxos just because they think I am too small an account to try and hunt down my transfer! 
Warm regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to 2018. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the use of my Trademarked name XXXX registration # XXXX and restitution should be made by any company or individual without my consent or a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 # 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.

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 2021-09-11
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Dispute of Late Payment Reporting during XXXX Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with XXXX. The late payment in question occurred during the XXXX pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with XXXX. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by XXXX as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the XXXX pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ XXXX 's XXXX ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity. According to FCRA, if the bureau has not verified this inaccuracy as valid within 30 days then it must be removed immediately. They have had well over 60 days to yield a result.

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 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I got Bank statements from Bank of America. I have not ever had an credit card, checking account, or savings account with Bank of America. On XX/XX/2022, i received 7 statements of other people opening an account in my name with my birthday and my Social Secruity number. The total amount of the 7 statements is {$25000.00}. Each statement was in another persons name. I have called Bank of American and have started a dispute with them. I told them I have never had an account with them and told them that this was fraud and identity theft. The have closed the account and working on the situation. I also called the police and filed a police report on XX/XX/2022.

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 2023-07-04
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
initial contact was on XX/XX/2023for case # XXXX and case # XXXX finally after contact with cfpb they responded on XXXX XXXX XXXX gave a vague answer. after recontacting chime bank about an explanation about funds being stolen from my account unauthorized by me they gave me the round around about giving the merchant that visa gives them 30day to respond. these reps do not investigate anything at all they seem to be reading from a rehearse script and are not really aware that unauthorized means unauthorized. " We are still awaiting a response from the merchant. Please feel free to contact Chime Member Services via email at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' I get a different answer my money still was stolen and chime plays games with its members. its XX/XX/2023 and nothing has gotten resolved. its been 4 months and nothing the CEO don't care about any consumer. they just like stealing money from hard working consumers..please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
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 have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX Total Net Payable to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact XXXX XXXX who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  {$29000.00} XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my XXXXXXXX XXXX did not removed yet, Experian needs to remove the Public record please im asking CFPB for help

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 2021-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Problem with personal statement of dispute

Complaint:
I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance XXXX  {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed XXXX  {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per XXXX  and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX years old and I am an XXXX  child of the State of Florida. I was therefore given medical insurance through the Department of Children and Families and Medicaid once I reached the age of XXXX in XXXX. My plan is XXXX. 
On XX/XX/XXXX, I received a letter from debt collectors stating I owed {$1100.00} to a local hospital. The service date was XX/XX/XXXX. I was not asked for insurance information from this local hospital and I was confident they already held my insurance information in my files. 
As of XX/XX/XXXX, this is the first announcement of any wrongful debt I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( XX/XX/2019 - Mortgage Payment ) At the end of XX/XX/2019 TIAA bank required that I pay my mortgage payments by check for my loan payments. 
In XX/XX/2019 I submitted a payment for my loan using a certified bank check. I hand delivered this check to the XXXX, FL branch of TIAA bank before XX/XX/2019. The cutoff for the mortgage payment is the XXXX. 
The bank then took a week to mail the check to their payment processing center in XXXX. Because of this the payment was received by the processing center after the XXXX and it was marked as late on my account even though the payment was made to TIAA on time and using certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: SC
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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX & XXXX XXXX Date of Inquiry XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation