BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: BARCLAYS BANK DELAWARE
State: MT
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
{$75.00} was scheduled autopay to be taken from my XXXX 's XXXX XXXX credit card on XX/XX/XXXX. I was charged a late fee I called them on XXXX XXXX  XXXX  on XX/XX/XXXX. They could see the auto-ay was set up. They could not explain why it did no go through. They waived the fee but refused to give me an email that this was not reported to the credit bureaus. They also said they " are pretty sure '' the next payment will go through. 

I also have an XXXX XXXX XXXX XXXX XXXX and was hit with a late payment for the same thing -- they did not recognize autopay and hit me with a late fee. I am currently typing this to you as I called them at XXXX XXXX EST sharp and have been on hold for 30+ minutes without a rep even picking up. 

My mom has a XXXX XXXX XXXX as well and had the same thing done. Something is up and I bet they just got a ton of late fees to them that were never supposed to be charged to us. 

Completely unacceptable.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

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 2019-11-15
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up a verbal arrangement XXXX a month. At the end of each month. I call XXXX XXXX to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. Pendrick Capital Partners XXXX XXXX XXXX has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated an on-line transfer of {$4100.00} from my XXXX XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. 

XXXX XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX XXXX XXXX escalated the case to their fraud department and I was informed by XXXX XXXX XXXXXXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. 

I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX ( " XXXX  '' ) dated XX/XX/2018, which indicated that a debt owed to creditor XXXX  was owed in the amount of {$11000.00}. 

I do have student loans that are serviced by XXXX, but I am not in default of my payments to XXXX, have received no notices of missed or late payment from XXXX, and the amount ( s ) in the letter from XXXX are not related to my student loan amounts. 

XXXX offered a onetime payment of {$2200.00} to resolve the total amount allegedly owed of {$11000.00}. However, I do not owe the amount alleged in the letter, and this appears to be a fraudulent attempt to obtain a payment from me for a debt that is not in collection.

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 2020-01-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX Our bank ( XXXX ) was scheduled to pay our mortgage in the amount {$1700.00}. Due to a misjudgment on when a check would clear our payment was returned due to insufficient funds. The following day the check cleared and we scheduled another payment. We learned shortly after that the first payment had been retried and the second payment was now overdrawing the account. We called the bank to explain what happened and asked for them to stop the auto pay as now we were just alternating from being very overdrawn and having a few XXXX in the account. They said there was nothing they could do and that the payment would attempt to go through two more times. 
The additional funds were never there and this process seemed to eventually seemed to sort itself out around XX/XX/XXXX, locking our online bill pay feature in their online banking platform. 

On XX/XX/XXXX we received a call from the online bill pay provider for XXXX and were notified that they put the payment through and that the second {$1700.00} was owed to them ( this seemed very odd to us ) We called our mortgage provider to confirm that they had indeed received two payments. As well as that we would not owe another payment until XXXX. This was confirmed. At that time, we told them we would not have money to pay them ( online bill pay provider ) until Monday, XX/XX/XXXX. 

On XX/XX/XXXX we were planning on calling the bank regarding the several overdraft payments they had charged us ( I believe they have reimbursed two currently ) but upon logging in we discovered that they had again tried withdraw the {$1700.00} again. We spent an additional forty five minutes on the phone today and were told my multiple Santander superviors/managers that there was nothing they could do about it. We were also given no plan for getting the situation resolved. Other than to have the mortgage company send us a check in the amount of the second payment ( which in itself didn't really make sense ). From previous conversation with the mortgage company, this would take 7-10 days. 

This has been not just inconvenient but incredibly stressful given the that this all was occurring the week before XXXX ( and beyond ). We are a family of XXXX that run our own small business. We did not have extra cash to fall back on and for some minor emergencies we have had to rely on the kindness of family to help us out.

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 2020-01-26
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Galaxy Capital Acquisitions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This pertains to the company XXXX XXXX, which is a debt collection agency for Galaxy Portfolios , LLC. 
They have been threatening me with garnishment of my wages and they said that they had contacted my employer also. 
I will have gone to court with them for the XXXX time on XX/XX/XXXX. 
I have been dealing with their harassment since fall of XXXX. 
They did have a judgment against me, however I filed a motion in the court that the judgment originated from, and in XXXX I prevailed as the judgment was vacated. 
This company still insists on sending collection letters and telephoning me. 
I have a new court date with them as I stated above which is on XX/XX/XXXX. 
The judgment was vacated at the court it originated in, but the case was transferred back to the court where the creditor tried to get the wage garnishment. 
I was specifically told by this judge prior to the judgment being vacated, that if I prevailed ( which I did ),  that I may not have to appear again regarding this matter. 
This is all very confusing to me because this debt is well over a decade old. It goes back to approximately XXXX, perhaps earlier. 
I know nothing of the debt. I had to flee my then home ( before the collectors say I was served ), because of a violently abusive situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXXXXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX  XXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXXk - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2022-01-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a prepaid XXXX card, i wanted to try it. The worst card there ever was. First of all, it took them over two months to set the card up, then I would charge something and pay the balance due, it took them a month to credit the funds back to the account. So, in XXXX of 2021 I told them to close out the account, I owed {$45.00}, I called to close out the account and I said I could make the payment, the agent said they would reduce the {$45.00} from the {$100.00} security deposit, i said fine. Here it is the end of XXXX, I called to see where my refund of {$54.00} and they said nope you don't receive that back. 
All I can say is fraud, simple as that. Never would I recommend anything prepaid, I thought it would be a good idea for my niece, XXXX no. Whoever created this card needs to be put out its misery.

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 2022-01-24
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft and have asked Lexis Nexis to completely opt out of my information but instead they have ignored me request on multiple occasions. My information should be surpassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX & XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX XXXX/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name XXXX XXXX Limit Usage Type Status Opened On XXXX   XXXX - {$100.00} - Revolving Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/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 explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX 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