davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (NM)

Received an email this morning from XXXX stating legal action will be taken for debt owed to XXXX XXXX XXXX. They had my personal info including name and SS number. I closed and paid all my dues to XXXX XXXX nearly 10 years ago. I know I do not owe them anything. I check my credit report weekly and have never seen anything pop up from XXXX XXXX or another collections agency. They didn't give any specifics to who they were and signed the end of the email as 'Sincerely, National Credit Adjustor '.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I disputed inaccurate information on my XXXX, XXXX  and equifax reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (GA)

I XXXX XXXX have concerns, Continental Finance Company LLCs attempts to collect a debt in violation of the Uniform Commercial Code ( UCC ). The company claims to have transferred or sold a promissory note to a third party but continues to assert collection rights. Under UCC provisions, once a promissory note is transferred to a third party, the rights of a holder in due course can not be further transferred. This creates a break in the chain of title, invalidating the rights of Continental Finance Company LLC the third party to enforce or collect the debt. This is a Improper Transfer of the Note. The promissory note in question was transferred by Continental Finance Company LLC to a third party. The UCC prohibits further transfer of rights associated with a holder in due course, creating a break in the chain of title.Due to this break, neither Continental Finance Company LLC nor any subsequent transferee can legally enforce the note or claim the right to collect. Continental Finance Company LLC, directly or through an intermediary, has engaged in collection activities, including phone calls, letters, credit reporting. These actions were taken without sufficient proof of legal standing to enforce the debt. 
The company has failed to demonstrate compliance with UCC provisions governing valid transfer and enforcement of the promissory note. This failure infringes on my rights as a consumer and subjects me to improper collection practices. Under the UCC the rights of a holder in due course are specific to the initial holder and can not be transferred to another party. Any break in the chain of title invalidates subsequent claims to enforce or collect on the note. Continental Finance Company LLCs actions violate these principles and my consumer protections under the UCC. I request that the CFPB Investigate Continental Finance Company LLCs compliance with UCC provisions regarding the transfer of promissory notes.Require Continental Finance Company LLC to cease all collection activities due to their lack of legal standing. Ensure that any derogatory credit reporting or adverse actions related to this invalid claim are reversed. Impose penalties or corrective measures to prevent further violations of this nature by Continental Finance Company LLL I request that the CFPB promptly address this matter and take action to uphold my consumer rights under UCC and PRIVACY ACT OF 1974
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal emailed my email XXXX to inform the company I did not recognize the name on the account or the number associated I followed the help center procedure to fprwaed the email to their XXXX for investigation and have not gotten any communications, not wvwn an auto response to indicate a case is opened
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NM)

I bought a table at Conns XX/XX/XXXX. In XX/XX/XXXX I purchased a washer and dryer. They canceled my first contract and made a new contract total was XXXX. A month later the washer broke down they would not fix it. I called waited a long time until I whent to the store and spoke to XXXX the store manager. He told me to pick up a new set, I did, he told me to not pay anything until the new washer and dryer were added to the contract and the non functioning washer and dryer were taken off. I did as I was told. They called said my payment wasnt due until XX/XX/XXXX that meant I wouldn't pay XXXX  or XXXX and be counted as current do to them canceling the old contract making the new one. I get on XXXX XXXX about a month and a half later and 80 points had been deducted. I was going to purchase a vehicle a week later!!! This was shocking showed on there Conns reported me late. I called about 100 times and I was given different answers every call and different reasons, spoke to many managers no one did anything. This really affected me. One agent told me that the old washer and dryer were never taken off, in other words I was paying for 2 washers and 2 dryers and the table and chairs. I've called this company so much its ridiculous. Every single person gives me different answers!!! I've kept paying even after they scammed me, to raise my credit because I was given no solution. I'm trying to buy a home this year for me and my children and Conns is making it a night mate! I called XXXX of XXXX and they said my balance was almost 7,000!!! I'm was speechless how is this possible. The washer and dryer that were replaced costed almost 1,500 dollars less than the original? At that time my payoff was XXXX??? How am I owing XXXX more if I received cheaper sets. Were has my money gone since XXXX that I bought the table in 2 years that's a huge amount. Those negative remarks I'm showing on my credit from XXXX have never been removed, they promised to fix them it's been more than a year and still showing. This company is a fraud and caused tragic moments of success for me. I've never been late I was always responsible and here I am stuck. I want answers, I refuse to pay them anything not even a penny until I get an answers. I have emails I sent to the manager about my credit also.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I OPENED A CITI PLAT AA CREDIT CARD ON XXXX XXXX. THE WELCOME BONUS ASKED TO SPEND XXXX IN 3 MONTHS TO GET XXXX AMERICAN AIRLINE BONUS. IN XXXX AND XXXX, I DID THE ONLINE CHAT WITH TWO DIFFERENT AGENTS WITH CITI. BOTH OF THEM TOLD ME THE DEADLINE HAS BEEN EXTENDED DUE TO THE COVID. I HAVE THE SCREENSHOT HERE. I CAN PROVIDE. TODAY WHICH IS XXXX. THEY TOLD ME THAT I DID NOT MEET THE REQUIREMENT, I SPEND {$2900.00}, LEFT {$25.00} TO MEET THE REQUIREMENT ON XX/XX/XXXX, THE OFFER HAS BEEN EXPIRED AND IT IS NOT THEIR RESPONSIBILITY. DOES CITI TAKE RESPONSIBILITY FOR WHAT THEIR AGENT SAID? THEY SAID NOTHING THEY CAN DO TO HELP ME. RIGHT NOW I ALREADY COMPLETE THE {$3000.00} SPENDING REQUIRMENT. I WANT MY WELCOM BONUS BACK. IF THE AGENT NOT GIVING ME THE WRONG INFO I WOULD HAVE MEET THE REQUIREMENT. I HAVE TO HAVE MY BONUS BACK BECAUSE CITI NEEDS TO BE RESPONSIBLE FOR WHAT TEIR CUSTOMER SERVICE SAID!! CITI, TRAIN YOUR CUSTOMER SERVICE PLEASE! THIS IS HOW THEY MAKE YOU LOST CUSTOMER!
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I saw the promotion for AmEx Cash Magnet credit card, which allows up to {$300.00} back, that I will earn XXXX for spending XXXX for the first 6 months, and 10 % back up to XXXX for purchase in the U.S. supermarkets. And the protional 0 APR for the first 15 months. 

So I applied for this card around XX/XX/XXXX, and spent around {$4000.00} in the first two months. I did not receive any reward. 

I called the customer services, and then they told me my welcome offer is cancelled. They did notify me in any format, or I will not spend XXXX on this card, I could have used other cards. Not to mention they also cancelled my promotional 0 % APR, I did not know that, so I did not pay in full for the first month which means there is a possible interest I need to pay. 

I would Not apply for this card without the special offer, you can not just cancel it without notifying me and just expect me to read the whole disclosure, that is RIDICULOUS! I need an explaination for the offer I lost and the interest I may need to pay!!!
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from Capital One. While auditing my credit repair, I came across a few errors. Capital One Bank is not reporting the same date opened to all 3 credit bureau, Capital One Bank is not reporting the same High Credit to all 3 credit bureaus, Capital One Banks is not reporting the date last active the same to all 3 credit bureaus. Because of Capital One Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from Capital One Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable credit score and interest rate. I reached out to the credit bureaus ( XXXX, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2020-07-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

After experiencing severe and ongoing financial hardship related directly to the current and ongoing COVID-19 crisis beginning XX/XX/XXXX2020 and continuing today, I contacted my private student loan servicer, American Education Services, to request an immediate extension of the Coronavirus Forbearance extension on all of my privately held student loans with AES. Upon speaking to several representatives, I was informed that this should be no issue, as all lenders were being very responsive to COVID-19 forbearances and extensions. However, upon requesting this extension three weeks ago as well as informing AES that I had been also affected by an earthquake in the Southern California area which affected my work in XXXX 2020, I was informed that this would be sent to my lender for approval and that they would also attempt to get this approved for a 90 day forbearance internally. I was advised on XX/XX/XXXX2020 by an AES Supervisor that my loans would be processed for forbearance approval within 24 hours to present, my loans held by NCT have not been placed in Disaster Forbearance, as promised, and I have not been contacted by my contact person who is a liaison for NCT, Mr. XXXX XXXX with AES, after several voice mails on XX/XX/XXXX20, XXXX/XXXX/20, XX/XX/XXXX20 and XXXX/XXXX/20. Additionally, I have not been contacted by National Collegiate Trust, and was advised " there is no way to contact this lender ''. I remain extremely distressed at this situation, and appalled at AES and NCTs handling of my situation, especially as an individual who has been affected personally by the Coronavirus both medically and professionally and financially. In addition to being severely affected by the COVID-19 crisis, due to the nature of my work, my employment has been profoundly affected by other natural disasters in my area, most recently an earthquake and the Soledad wildfires in XXXX county. I am at this time requesting immediate and urgent contact from the Executive Office of National Collegiate Trust, to ensure that my loans are placed in an immediate Disaster Forbearance as related to the COVID-19 crisis, which continues to severely affect me due to the state of California still being largely on lockdown and my employment being affected severely. Please urgently ensure this matter is resolved and my loans are placed in an Emergency forbearance as related to the ongoing national crisis. Thank you kindly in advance.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from WAYPOINT RESOURCE GROUP in the amount of {$420.00}. First and foremost, I have confirmed that the debt collector, WAYPOINT RESOURCE GROUP is not licensed in the state of Texas to collect on this debt. Secondly, WAYPOINT RESOURCE GROU Pviolated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to WAYPOINT RESOURCE GROUP? I have never heard of them, have no written contract with them and have never received any benefits from them, WAYPOINT RESOURCE GROUP has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$420.00}.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (AZ)

On XXXX XXXX, 2020 I made a cash advance transaction at a local ATM from a list recommended by Citibank. The amount posted to my credit card account that same day. In addition, Citibank put the same charge in the pending charges, along with a {$15.00} ATM fee. So now I have a {$300.00} charge posted for the advance, and another {$300.00} charge in pending, reducing my available credit by {$600.00} ( instead of the expected {$300.00} ). All attempts to resolve through customer service, both chat and telephone call, resulted in being told I would have to wait until the pending charge posted. It was already posted. They said it could take 30 days or more for the charge to " roll off '' depending on the merchant. They are the merchant.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX, I purchased for my wife and I two XXXX XXXXXXXX XXXX refundable tickets. On XXXXXX/XX/XXXX, I placed a 24-hour " hold '' on a reservation for two XXXX XXXX ticket for XX/XX/XXXX XXXX The next day, I called XXXX and asked the agent to cancel the two XXXX XXXXickets XXXX apply the credits to the ost of the two XXXX XXXXickets, and charge my credit card for the difference in cost. I gave the agent my credit card number. He processed the transaction. After the transactions, I checked my wife 's and my XXXX account ( both online and via the XXXX XXXX ) and we were shown as being ticketed for the XXXX XXXXlight XXXX we has seat assignment for seats XXXX and XXXX, our XXXX  had been canceled XXXX and no XXXX  credits for those flights showed in the account. A check of the credit card showed we had also been charged {$300.00}. We were all set, or so we thought. 

Two and a half months later, when we arrived at the airport on XX/XX/XXXX to check in, we awere told by the gate agent I could check in but there was no record of a ticket number for my wife. We accessed the XXXX XXXXpp which showed for flight " XXXX '' she was " Status : Ticketed '' for a ticket that was " Issued : XX/XX/XXXX ''. They did not care, they saw no ticket number and we were told my wife could not fly unless I paid {$3200.00} for a ticket for which an XXXX XXXXgent had already processed a purchase ( for {$680.00} ). 

I have a phot of the App screen taken while at the counter showing her status as " ticketed ''. There system still had her seat reservation in place ( as well as her meal reservation ). Seat reservations can not be maintained if the reservation is on hold or has been ticketed and XXXX  claims neither was in place. 

The only explanation is there was a glitch in the processing of my payment for the two tickets. They payment for my wife 's ticket ( through credits and credit card charge ) did not get process properly and the ticket was showing as paid but no payments were recieved. But all that was invisible to us, it was a glitch in XXXX XXXX processing, yet XXXX, and Barclay 's Bank with whom the dispute was filed, are refusing to hold XXXX accountable for their error. And I am stuck with a {$3200.00} charge for a ticket which XXXX XXXXad already process the payment of such that the reservation showed as being " Ticketed ''. And in doing so, contradicts what XXXX XXXXndicates is possible with a seat reservation, that a seat had been reserved for XXXX months without it being on hold or paid for. Barclay 's has not, because it can not, explain why the evidence presented did not clearly demonstrate the {$3200.00} billing was a duplicate payment for a ticket that had previously been processed as " Ticketed ''.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

The following company have been reaching out several times by phone and email for the last XXXX years, I have been trying to remove the PMI in a home that I have more than XXXX  years already, they continue refusing to process this removal with the excuse of that I am late in my payments which is false, all payments are on times, and the only late payment were during covid 19 and they offer us to no made payments for XXXX year without penalties and credit remarks, all escrow payments was made and pay on time, this company have been refusing under any legal facts why they still refusing these legal right of consumer under mortgage policy and statutes, their answer is without credible grounds. I required intervention with this company, I pay taxes, I pay mortgage on time, I pay escrow, Insurance and still have no legal grounds for such refusal.