BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
1. Please furnish a notarized, certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that your client is the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 
5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

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 2019-01-31
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identify was stolen I provided XXXX  XXXX  XXXX  with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Like many people, my family and I have struggled for the last few months with the aftermath of the coronavirus recession. I am a single parent to XXXX kids, XXXX with XXXX XXXX, and the only other adult in my home ( my middle son ) who had a job, lost it in XXXX due to the recession and only last week began to receive UI benefits. So since the second half of XXXX, we've only had my income to live on. There have admittedly been many occasions when my checking account has been overdrawn during this time. However, I have heard that many other banks and financial institutions have been willing to waive fees due to overdrafts, because of the extraordinary circumstances. XXXX, however, has done very little to help, despite my call to customer service on XX/XX/XXXX, followed by my call to my local branch manager on XX/XX/XXXX, asking for some consideration, Since XXXX, I have been charged {$3600.00} in overdraft fees. The best that either of them could do for me was to forgive a total of 14 of them ( {$490.00} ). In fact, what prompted me to call on that particular date was that my paycheck was due to be direct deposited on the XX/XX/XXXX, and my account was overdrawn by more than the total amount of my paycheck- in other words, as soon as my paycheck was deposited, the bank would take all of it for NSF XXXX That happened, anyway, even after the forgiveness, and still the account was overdrawn by {$75.00}. I have now stopped direct deposit, because I can't afford to have my entire paycheck taken away in fees. XXXX XXXX, the local branch manager who I contacted on XX/XX/XXXX, has told me since then that he can not waive any more fees on his authority level, and that " senior management '' is considering what to do. Several more weeks have passed, and I have lost all of that money, which was more than my " stimulus payment '' plus my paycheck combined. I understand that banks are for-profit entities and that service fees are a part of that package. But given the circumstances, this is nothing short of predatory banking. I am asking that you intervene and question the bank about their predatory practices, at the very least. I'm losing hope of ever seeing my money again.

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 2018-01-18
Company: Resurgent Capital Services L.P.
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:
I requested a debt validation to XXXX XXXX XXXX and they only send me a debt verification onXX/XX/XXXX certified mail with the confirmation number XXXX and a return to sender that was received onXX/XX/XXXX by XXXX I received the verification letter onXX/XX/XXXX on the mail.

On XX/XX/XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX they received onXX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX never respond to my certified letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXXXXXX-Date of Inquiry XX/XX/2020

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 2021-12-08
Company: Park Hill Holdings
State: GA
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 victim of identity theft and I have supplied all the proper documentation showing that the criminal charges that are attached to my name is fraudulent!!! I have issues with the way SafeRent is handling the investigation of these fraudulent charges attached to my name. I feel they are not following the rules and guidelines of the FCRA by not properly investigating the criminal records properly. By simply contacting the reporting company and reporting what the report falls very short of an investigation,

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 2021-02-17
Company: Ascension Point Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call from XXXX, claiming to Ascension Point, a debt collecting service. They claimed there were debts owed from my deceased husband 's estate ( my husband died 2 years ago ). But they would not say what for or how much. There were absolutely no debts owed at the time of my husband 's death or since then. They asked for personal information, which I would not give. When I commented that this was a scam & I would report it to the authorities, they said they would transfer me. Then the line went dead. 

I have blocked this number on my phone, but I am positive it is a scam. I am reporting it to protect other people who might believe them & send them money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account information incorrect

Complaint:
When COVID-19 first shut down the country my wife and I had a significant reduction of income. Not knowing how long this would last we used our savings and credit cards to continue paying our bills and expenses. However, as the shutdown continued, we applied to PennyMac for forbearance with our VA loan under the CARES Act. They assured us this would not negatively impact our credit report according to changes to reporting forbearance in the CARES Act. We only used two months for forbearance of which our mortgage statements in XX/XX/2020 and XX/XX/2020 were annotated as " Disaster Forbearance Plan Amount Dut {$0.00} ''. Before the end of XXXX our income from my XXXX XXXX resumed and my wife 's XXXX XXXX income resumed so that we could exit forbearance and resume normal payments. We contacted PennyMac and completed the necessary paperwork to restructure our loan and add the two payments to the end of our loan. Within 30 days of ending forbearance, we sold our home in XX/XX/2020 and paid off the entire mortgage amount to include the two months of forbearance. Subsequently when we applied for a new home mortgage with XXXX XXXX, they informed us of two discrepancies on our credit report showing missed payments in XXXX and XX/XX/2020. We immediately contacted PennyMac through their messaging service and informed them of these errors and they responded they would not make any corrections to our credit reports despite the CARES Act requiring forbearance accounts to show as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

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 2019-07-17
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a letter or get a phone call from this collection agency, Southwest Credit Systems. Alleged debt {$530.00} reported/open XX/XX/2019 I am not aware of the alleged debt. 

Upon further investigation, I learned this agency is not license in the state in which I reside TN to collect. 

The collection agency is now reported on my credit report unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Red Cedar Associates LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Yes. Red Cedars Associates in New York should be shut down. They affiliate with XXXX XXXX XXXX another corrupt company. They called me said they would serve me papers on this date, and would not disclose who they were. They pretend to be a law agency and they are not. They scare people and what they do is illegal and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a on time payment to TJX card to synchrony bank on XX/XX/2021. On this new billing cycle I was charged a late fee of {$38.00} even though I had paid on time. I was told by a customer service rep with synchrony that I paid to early. I don't see anything on there statement that's says you are penalized for paying a credit card bill to early. The federal government needs to start cracking down on these greedy credit card companies who are out to make a profit and are fraudently charging customers late fees who pay on on time or early on there bill.

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 2021-02-17
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I just simply have been a college student moving around traveling and living at different apartments, and i have like 5 different addresse

s reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I have entered into a repayment agreement with Synchrony to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XXXX, 2021. However, the attached information indicates that Synchrony has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by Synchrony are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to Synchrony.

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 2021-12-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I reported a fraudulent transaction my account on XX/XX/XXXX. I received the new card on XX/XX/2021. Between XX/XX/XXXX thru XX/XX/XXXX, someone was still using the deactivated card that I reported on the XXXX so I had to call back. One transaction was processed in the back office and the bank can't tell me where it came from. On XX/XX/2021 I was told my account had been closed due to business rules and regulations. Not quite sure what that meant but I have been baking at this bank for years and not one person can tell me what rules and regulations that I am violated considering all I did was report fraudulent activity and yell a few folks. I then tried to open an account at XXXX XXXX and got told the same thing. There is nothing on my XXXX report and I don't have bad credit. SunTrust has done something and I am NOT standing for this. My next call is to an attorney! I won't be penalized for something that I didn't do.

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