BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and law firm Klima , Peters & Daly , P.A . will not properly verify and validate the alleged debt and they refuse to identify and respond to discrepancies found within statements they sent to me. Moreover, they have been submitting false robo-signed affidavits to the courts. 

The consumer has reason to believe that the affiants and notary public as well as the debt collectors, Klima, Daly & Peters, P.A. and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. are fraudulent and has presented inaccurate documents and false affidavits. Upon my research, I have found that the affiants, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all notaries public in the state of Virginia along with other notaries public that may work for the same company. They create what appears to be false and robo-signed affidavits using the same template that claims they are both Litigation Support Specialists and notaries public by switching roles and witnessing each others signatures which is illegal as they do not have firsthand knowledge of record keeping of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. records as they claim they are employees of an agent or affiliate, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) that does not appear to be a part of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Moreover, I have asked the plaintiff to provide the original signed contract/agreement and to investigate the discrepancy found within the statements sent by the Plaintiff that shows three different accounts under the defendants name and they have failed to do so, as the original contract will reflect the original account. 
The affiant and the notary public claims in other affidavits that they/he/she : Is allegedly a Litigation Support Specialist who claims to be employed by an agent or affiliate XXXX XXXX XXXX XXXXXXXX not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. employee The affiant and his/her partners are all notaries public in the state of Virginia The notary public XXXX XXXX XXXX acts as the affiant in other cases as an employee of XXXX and as a Litigation Support Specialist when on her XXXX profile, she claims to be an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as a Sr. Legal Coordinator. On the fake affidavit that was presented in this case, she is the notary public under the alias XXXX XXXX XXXX. How can she be both the affiant and notary public, then work for two different companies? 
Attached to this complaint are affidavits used in different courts by the same affiants and notaries public who claim to be working for an affiliate or agent of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I have notified other agencies of this discovery as well. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: NY
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 had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: CA
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 the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5400.00} This is my follow-up complaint to ensure the removal of the aforementioned accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-21
Company: MONEY SOURCE, INC., THE
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a simple due date change on my loan from XX/XX/XXXX to XX/XX/XXXX to avoid being late and therefore being charged {$40.00} late fees. I was denied without being provided adequate reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Collection Information Bureau, Inc.
State: FL
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:
XXXX XXXX credit card Old account from XXXX XXXX XXXX XXXX They are all close pay off Please remove from report companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions 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:
I did my research with the fair credit reporting act and XXXX XXXX XXXX  I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy.

15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.

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 2022-10-31
Company: EQUIFAX, 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:
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. 


XXXX XXXX XXXX  : # XXXX {$180.00} XXXX XXXX XXXX  : # XXXX {$65.00} XXXX XXXX XXXX  : # XXXX {$1100.00} XXXX XXXX XXXX  : # XXXX {$730.00} XXXX XXXX XXXX : # XXXX {$290.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$110.00} 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 2023-05-22
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX, this complaint is not made in error nor 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 reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Closing on my first home in XXXX  days and I am confused about the credits listed on the purchase contract as well as my cash to close. The lender used in the process is an affiliate of the builder/seller who has not been transparent with the numbers listed on the closing disclosure. I began asking questions on XX/XX/XXXX via email or text when I received the closing disclosure with a closing date of XXXX which was an error since my closing date was moved to XX/XX/XXXX. I asked multiple times for them to explain the breakdown of the credits as it is not clear on the XXXX. I am a veteran who is allowed to receive my earnest money paid as well as my tax credit back at closing, which DHI has repeatedly denied me of. At this point, I can not cancel the contract as I don't have another place to live and am expecting my first child in XXXX days. This entire process seems as though I was promised certain credits at closing and my lender is not being truthful and is changing the terms. Multiple emails, phone calls and text messages daily since XX/XX/XXXX until today XX/XX/XXXX don't answer my questions. The numbers on the CD do not add up to what is being relayed back to me when I use a calculator, which has been deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: VA
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 have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I am asking to please help out with Wells Fargo Credit card by removing my 30 day late payment off my credit because that late payment keeps my credit low. 
Thank you

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 2023-02-10
Company: ADP Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When my background check is submitted and ran they are using charges that are seven years old. According to the seven year rule these charges should t appear its been almost ten years and these changes are still popping up on criminal background check .According to the FCRAs 7-year rule, for example, certain criminal records must be removed from an applicants history after seven years.

These records include civil lawsuits, judgments against an applicant, arrest records, and paid tax liens. The FCRA also imposes a few additional restrictions on Florida employers.

Additionally, the FCRA requires employers who run background checks to ensure the information in the report is current and accurate. If it is not, an applicant has the right to dispute the background checks contents, which will trigger an investigation by the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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. 

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 XXXXXXXX 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 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 2019-07-05
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The TJX Rewards Mastercard credit card offered through Synchrony Bank features the opportunity to earn {$10.00} and {$20.00} paper or electronic reward certificates when making purchases anywhere with the card and the opportunity to redeem the certificates when making in-store or online purchases at TJX companies. I have all paper certificates and I retained them so as to maximize their value when making large dollar purchases. Nowhere on the certificates does it say there is a limit on the number of certificates that can be used when making a purchase. The only limitations which are material to this complaint are the 2-year expiration date and the forfeiture of the balance of a certificate 's balance if the purchase price is less than the face value of the certificate. 
This complaint concerns the apparent inability to redeem more than one certificate when making an online purchase. I would like this complaint to be brought to the attention of the CEO of TJX Companies. Last night ( XX/XX/2019 ) for the second time I tried to use multiple certificates but could not. Due to the nature of the site, i.e., it attracts bargain hunters, and the lack of evening and weekend ( or holiday ) customer service, I wanted to be sure I could receive the merchandise, so I completed the purchase without using all my available certificates. I would like to be able to redeem the certificates after consummating the transaction. The value of the transaction after the deduction of one {$20.00} certificate is {$150.00} and the order number is XXXX. As I alluded to above, this is not the first time this inability to maximize the number of redeemable certificates has occurred. The same thing plagued prior orders. In addition, order number XXXX had another issue which is still not resolved, let alone addressed by TJX Companies. That issue concerns the sale of a facial device for which its reconditioned status was not disclosed in the marketing materials or at the time of sale. Correspondence was sent to the company in XX/XX/2019, but no response or even acknowledgement has been received.

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 monetary relief
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: PA
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 have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX refuned me {$110.00} on XX/XX/2023 cash app said I spent XXXX at XXXX XXXX XXXX the same day. Then they told me it for for a payment from XXXX XXXX XXXX  from XX/XX/2023. I have bank statements screenshots showing that transaction was completed the day of. Now cashapp will not give me my refund there was no pending transaction in my account at the time. I contacted XXXX XXXX XXXX  and they informed me the payment from XX/XX/2023 was completed that day and they reassured me they didn't charge me twice. It doesn't even show on cashapp they charged me again customer support sent that in a message when I contacted them but they showed me no proof.

Company response to consumer: Closed with explanation