BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I received from you the following statement : XXXX This case was closed. 

This complaint appears to be about the same issues as your earlier complaint. 
This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 

Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. 

HOWEVER, THE CLOSED ACCOUNT IS WITH " REMITLY '' AND THE SECOND IS WITH " XXXX XXXX. '' Both vendors refused to accept my transfers. 

XXXX XXXX did something to blackball my name. Remitly accepted my transfer than one day later returned money and fee to my checking account. Remitly then closed my account. 

Something is wrong somewhere. Please find out why REMITLY acted in such an unprofessional way. Why did they act that way? Get their reason and we will begin to get a handle on the problem. 

I tried calling both XXXX XXXX AND REMITLY without any success. Both companies don't make it available for me to talk to the individual that can slove my problem. And that's the reason I come to you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I reached out to US Bank in XX/XX/2018 multiple times about issues with fraudulent activity on my account. They fixed most of the issues and got me back to a XXXX balance atleast. I was fed up with the customer service and issues I was having. I switched banks and closed my account in XX/XX/2018. They said it was closed but then I found out months later it was negative and wasnt closed and they had sent for collections on the account. The account should have been closed when I requested it.

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 2018-07-21
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a follow up of because I was not able to submit the photos before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NY
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 simply disputed two of my XXXX XXXX credit cards that have not been accurately reporting the correct balance and recent payments that I had been making to my Experian credit score. What instead happen is when I filed the dispute, being the fact that when Experian reached out to them they did not reply within 30 day, my two credits cards which are still currently active and in GREAT standing were removed from my Experian credit score. My score also dropped due to the removal. I am VERY UNHAPPY about that and this situation as a whole, I simply wanted my credit cards current status to accurately be reported but they were instead removed. I need this FIXED ASAP and what I mean by fixed is my two XXXX XXXXXXXX accounts to be appear back on my Experian credit score and at the end of each cycle and preferably refresh with the most current information and payment history at the time. I would also like to be anointed the points that I lost back for this error if that is even possible.

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 2020-05-05
Company: Admiral Holdings, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of my bank accounts, death threats and threats of being sent to jail and prison continuously from Admiral Investments , LLC debt collectors. The debt is a fraudulent debt and is the result of identity theft. The debt isnt my debt. Admiral Investments, LLC., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday, XX/XX/2018, I received a letter from XXXX XXXX XXXX stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX  who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: TN
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:
Experian did not properly investigate my XXXX XXXX. I still showing as late. I was never late. 

Experian did not properly investigate my XXXX  XXXX  account. It is showing as closed and still showing on my report and duplicate account. 

Experian did not properly investigate my XXXX XXXX XXXX XXXX. It is showing closed and still on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not Properly investigate my XXXX XXXX XXXX XXXX account. It is showing as closed and still showing on my report. 

Experian did not properly investigate my XXXX XXXX account. It is showing as closed and still showing up on my report. 

Experian did not properly investigate my XXXX XXXX  account. I never had this account. 
Experian did not Properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.

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 2021-11-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Citi bank credit card for over 10 years. The use if the credit card is in good standing. The card expires XX/XX/2021 and when I called today they informed that the card will not be renewed and it is closed. Im currently buying a house and closing this account will affect my credit negative and it will prevent me from buying the house. I contacted Citi and they say that it was due to company 's policies. I want Citi to keep my credit card open and the card to be renewed, Im not delinquent and It is not fair that they damage my credit report. If they do not fix this I will make this public.

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 2018-07-20
Company: Vanguard Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Vanguard financial service has 8nserted this account in my experian report. The original creditor did not properly bill my HSA account. Vanguard will not send original account information like i requested or respond to calls to get this debt taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an XXXX XXXX credit card, administered by Barclay Bank. On this card, from XXXX - XXXX, 8 charges to XXXX were made, totaling {$1600.00}. I immediately called Barclays fraud number listed on their website, where the person told me to destroy my card and she would report it. She didnt. 3 weeks later, I called again, and had the same experience. 3 weeks later, I called again, and this time the lady actually reported it to the fraud Dept., but apparently only the last charge of {$13.00}. The fraud Dept., based upon all the other XXXX charges, denied there was any fraud. 2 weeks ago, I sent them a registered letter to the address provided on their denial, and included all of my XXXX charges, the list and details on all the charges, and pointed out again, Although I purchase a lot from XXXX, I have a dedicated XXXX XXXX card that is used for all of my purchases. 
I have bought nothing from XXXX on the Barclays card for at least the last three years. 
I have heard nothing back, except now I am getting dunning calls every day.

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 2020-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XXXX  file number XXXX experian Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 mailed TransUnion a disputed letter XX/XX/2019. After more than 30 days, a follow-up letter stating that they didn't response within 30days I'm asking TransUnion to remove these accounts in question.

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 2021-11-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, XXXX says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have on numerous occasions explained to this company that this is not my issue. I have reported identity theft to all other agencies to include IRS, Social Security, other creditors, USPS, etc. and all have resolved this issue. This company Portfolio Recovery will not listen and continues to harass and damage my credit. Looking at my individual credit reporting, all is exceptional except this XXXX  company. They even have me living in a different state. I am looking into my legal ( lawsuit ) options. They need to get their act together and stop the harassment and damage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother. I recently tried to purchase a home and was denied because of my credit. So that inspired me to pull my own credit report to see why i was denied. To my discovery there were several accounts on my credit report that was not authorized by me ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Both XXXX and transunion show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX transunion XXXX number XXXX XXXX  Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2019-04-22
Company: SLM CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Savings account on XX/XX/XXXX, was told it would take a long as 30 days for balance refund. Called Bank on XX/XX/XXXX to advise did not get balance refund, was told that check was mailed out on XX/XX/XXXX, but the Bank would need to investigate. 

XX/XX/XXXX Bank called to say they would stop payment on the lost refund check and reissue check, will take another 30 days, I asked for the check the be expedited, they refused. This is really poor service to wait 60+ days for a balance ( {$31.00} ) to be refunded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To Whom it May Concern : Since my initial complaint, XXXX, was closed, I have not received any more funds nor any communication from Capital One Bank XXXX I continue to call the fraud department, and I leave messages that receive no return on the status of the account ending in XXXX. 

I need the remaining funds from that closed account. If Capital One wants or needs to complete its investigation, why do they not end my involvement by giving my money to me? That's all the funds I have. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.

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 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Some payment statuses dont show accurately. This is affecting my credit reporting payments percentage. Should all show current.

Company response to consumer: Closed with non-monetary relief