BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$55000.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX  XXXX NY XXXX during the period of XX/XX/2019-XX/XX/2019. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been successfully returned to the XXXX, only partial refund on {$410.00} combined have been issued from 2 separate charges to my AmEx Delta Account ending in XXXX : {$540.00} and XXXX. 

Since all the packages successfully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$120.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # XXXX : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an apointment with Loss Mitigation Depart. Banco Popular De Puerto Rico XX/XX/2018 XXXX. 
Appointment was issued by bank in a meeting requested by me to solve the moratorium situation I am because of the hurricanes disaster.At that moment I was offer a payment plan which I inform i was not in position of agreeing because of reduction of my incomes.They recommended loss mitigation. 
I waited 1hour and 5 minutes ( no problem ), lady last name XXXX, ( never told me her first name ), attended me, in 5 minutes literally 5 minutes, she told me that my loan investor do not accepts any alternative other than a payment plan or I could voluntarily can surrender my property.No other option was offer to me.I did not agree and she offered an appointment to come back to begin the process of surrounding the property voluntarily. 
Is a shame to receive attention like that by persons who do not realize the situation a customer is and the mental inconveniences that represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Lending Club Corp
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: Investigation took more than 30 days

Complaint:
I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this debt for months now and XXXX and XXXX continue reporting this on my credit even though I showed them evidence that XXXX deleted this account. I have sent them evidence showing where TransWorld system is clearly giving false information about me to them and yet, they continue reporting this account on my credit and these two bureaus keep validating this debt. 

One one occasion in which I have attached evidence, TransWorld notated on XXXX XXXX that I paid {$20.00} toward this debt, which is a clear lie. After reporting this to these two bureaus, the notation on XXXX XXXX suddenly disappeared, but the debt still remained on my credit. 

The next lie they have been reporting on my credit reports in " Natural Disaster '' I never told them that I was experiencing a natural disaster as I never spoke with these people. 

They also have not provided me with the original contract bearing my actual signature. They just sent some aged printout saying my signature is on file. These are all clear violations of the FCRA and the FDCPA. 

I thought I would file a complaint with the CFPB if these people continue to report this inaccurate and false reporting on my credit which is damaging my credit, before I turn this matter over to my lawyer. I would like to resolve this matter amicably and they have yet to tell me what right they have to collect in my state and GA statute of limitations is four years in which this account is past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2018-02-10
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from Alliance One at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in reference to previous case XXXX. Company deleted erroneous negative debt and then added a dollar to amount an reposted it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was  decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Old information reappears or never goes away

Complaint:
Several times the XXXX account and some XXXX  account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative on XX/XX/2019abd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.

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 2020-05-18
Company: EOS Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX  XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX ond 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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-09-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I have a credit card with Home Depot. I've had the card for about a year I think. I try to always pay my credit cards on time. Every single month, I try to log onto my account and the login on my phone states that it is the wrong password. I then change my password ( This happens every month!!! ). I usually get into the account by changing my password on a monthly basis. I now have it on a post-it and stuck around my credit card and I couldn't even get onto my acct yesterday at all even after changing my password, so I called the customer service number on the back of my credit card and I got connected to some woman that wouldn't stop talking and wouldn't take a breath to sell me some kind of insurance. I hung up on her and called back and finally got to pay my bill. This is an ongoing problem every month. I really wish I had the money to pay the entire balance now and close the acct. This is beyond annoying and way too much work to pay a bill. I can't be the only one having this problem. Is this so I can incur late fees for not paying a bill? I have contacted Home depot numerous times and they send me texts that someone will contact me and they never do. ( I still have those texts ). Sick to death of this

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 2018-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail. 

Debt Validation : 1. Proof of ownership. 
2. Copy of statement from original creditor.

3. Copy of complete payment history starting with original creditor.

4. Copy of original signed loan agreement or credit card application.

Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account. 
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. 
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore. 
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Prime Recovery LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Collection agency sending me an email that contains request for payment for a debt. The email contains a request for my employer to provide info about me as if it is for garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No response. unable to verify the information from XX/XX/19 - XX/XX/19.

as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Pacific Rim Alliance Corporation
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a call this morning from a restricted number where they informed me I would be receiving a summons notice between XXXX and XXXX pm. I was given a phone number to call for information regarding the summons and a reference number. 
The number is : XXXX. The claim it is from XXXX XXXX for {$650.00}. This debt is from 12 years ago and has been paid in full. 
They asked if I would like to pay in full or dispute it. I told them I would dispute and they said a summons would be coming later in the day and than they hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation