davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

American Express closed my credit card. 
I, XXXX XXXX, am the consumer original creditor, natural person pursuant 15 USC 1692 a ( 3 ). I extended my social security credit card to open up this credit card account which authorizes me as the original creditor. Closing this account without written instruction of the consumer, myself, is a violation of 15 USC 1681b ( a ) ( 2 ). This is also a breach of my privacy and is discrimination! Due to financial hardships which i conveyed to XXXX American Express. I was unable to fulfill my alleged obligation / debt. Pursuant to FCA - Financial hardship is not grounds to close a persons checking account without the consumers written permission. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) i am invoking specified remedy as a consumer. I demand my account be reopened with a XXXX balance. I am willing to settle outside of court but if my demands are not honored and fulfilled. I will be invoking specified remedy as a consumer demanding monetary relief of {$50000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. PURSUANT to 15 USC 1681 ( 2 ) ( b ) 'any authorization approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded for a consumer report. The definition of credit card under 15 USC 1681 is the same as it is under 15 1602 ( 1 ) which is 'the term, credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In this occurrence, the CONSUMER, myself, and ORIGINAL CREDIT refers to Social Security Card aka Credit Card. CONGRESS stating 'ANY CARD '. In this case i used my credit card to originate the Consumer credit transaction with my American Express Credit Card. I am demanding my credit card be reopened with a {$6000.00} credit limit and a XXXX balance.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I was approved for assistance through the North Carolina Homeowners Assistance Fund. HAF made the first payment to SPS on XX/XX/XXXX. It was in the amount of {$2.00}, XXXX and was to reinstate my loan, going back to payments missed since XX/XX/XXXX. HAF also made payments for me going forward through XX/XX/XXXX, for a total of {$3.00}, XXXX. 
The second payment made by HAF was on XX/XX/XXXX, in the amount of {$350.00}. My mortgage company, SPS, never applied thise payments to my loan, neither the reinstatement lump sum or the XXXX payment. My caseworker with NC HAF was able to verify that SPS confirmed receiving the payments. My attempts to resolve the matter by contacting the ombudsman department at SPS have been unsuccessful. I realized what they had done when I called to make my XXXX mortgage payment, and the amount I was told I needed to pay did not show me as being credited for the HAF payments. I was first told it would take them a few business days to research and resolve the matter. As if today, it has been two weeks and they still refuse to acknowledge or correct their error. Today they said " call back after XXXX XXXX ''. I feel like that is unfair and unacceptable. They have been paid for many months, and I shouldn't have to get behind on my payments again while I wait for this mistake to be fixed.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NY)

SUNRISE CREDIT SERVICES , INC., sent me a Debt Validation letter dated XX/XX/2021 ( see attached to this complaint ), attempting to collect a debt. In the same letter it advises that I have 30 days to dispute the validity of the debt they were attempting to collect. 

I responded with a debt dispute letter dated XX/XX/2021 and mailed it on the same day of XX/XX/2021 ( see attached dispute letter and copy of USPS stamped envelope with postage?? ). My dispute letter requested that Sunrise Credit Services " Validate '' the debt of {$1700.00} pursuant to FDCPA 1692g 809 ( b ). 

SUNRISE CREDIT SERVICES , INC., FAILED to address the validation of the debt and sent me another collection letter with a new amount of {$610.00} dated XX/XX/2021. ( see attached to this complaint ) Clearly SUNRISE CREDIT SERVICES INC., is in violation of FDCPA 1692g ( b ) 809 ( b ), 1692c 805 ( c ), 1692e 807 ( 1 ) ( 2a ) ( 3 ) ( 6 ) ( 9 ) and 1692k 813 ( 1 ) ( 2 ). 

They are also reporting invalidated information to the 3 major credit bureaus which constitutes fraud under federal and state laws. As a result, my credit rating is in now jeopardy.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

XXXX  XXXX  has a XXXX XXXX XXXX XXXXXXXX account for my name with a XXXX, XXXX  address, and I have never live state XXXX, know zero about this account collection, and have repeatedly try speak XXXX  XXXX, and they indicate since late XXXX, XXXX, 2021, that if not my account that fraud close account and cant reopen, and they frequently hung up telephone results credit collection agency, and try correct this all credit bureau, and my credit score which already correct XXXX and XXXX, and indicate remove XXXX  address from my credit file account bureau, but experian wants this further information to correct my credit bureau report inaccurate account and nothing to do me state XXXX, and our only legitimate address XXXX  and XXXX  XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX, my account wasn't behind. They sent a welcoming letter sayin to begin making payments. They were aware of the balloon payment. They were also aware of my XXXX XXXX XXXX 's death. They received payments until XX/XX/XXXX and the ending balance then was {$28000.00}. XXXX was asked about a payment history repeatedly ( as was XXXX ). Once asked, Rushmore began foreclosure procedures. That's when a XXXX XXXX XXXX took over. After the foreclosure was stopped, XXXX XXXX and I went to court. Judge XXXX advised XXXX and XXXX to get with their clients and see who the rightful servicer of the loan was. After court, Rushmore sent a letter dated XX/XX/XXXX saying that they wowuld get back with us regarding the rightful services. We didn't hear back from them until XX/XX/XXXX, saying that XXXX XXXX was the servicer of the loan. XXXX XXXX are the same ones that purchased at foreclosure after XXXX said that they bought it at foreclosure. They were contradicting each other as to who was the servicer, but I had been making payments to XXXX. 
When any inquiries were made, the constantly continued to change not only attorneys but also contact information for them. They continued to put the case off. 
Their new attorney, XXXX XXXX XXXX, in not including pertinent documentation relevant to this case. 
Such as my payment history and the agreement for me to continue making payments despite the balloon payment. At no point was a I given a mediator or allowed a redemption period. 

I've been an occupant for 20 years. Not only was I an occupant, I had a Deed plus I had special dual power of attorney. I had an ownership card in the property assessor 's office and making payments on the loan # XXXX with XXXX & XXXX. As both companies agreed with me to pay off the loan. 

They are changing attorneys so fast and selling my loan to the point that it is nearly impossible for me to keep up with the filings. I have constantly checked the court house records because I haven't been receiving information on a timely manner. For example, I had to purchase the recent court document on XX/XX/XXXX from the courthouse and a week later I received the original in the mail. 

I am asking them to provide a run down on were my money was going because I've been paying on the principal and interest. 

I tried paying off sooner with a new loan but I was never given a payoff and the longer I inquired the longer it took for them to respond.
Consumer complaint received 2021-10-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (WI)

We are submitting this complaint as the sellers of a property for which our buyer is using PRMG. My husband is a combat wounded Veteran and the purchaser of our home is also a Veteran. This process originated in XXXX and we still have not closed on this transaction, leaving our family with XXXX toddlers homeless. A water test ( as required for VA loans ) was not ordered during the original inspection on the property that took place in XXXX and this was discovered while trying to obtain a clear to close the week of XX/XX/2021. Once this happened, the loan officer ceased communication with the buyer and left all parties in the dark forcing us to push back closing on our business to be purchased and home- leaving us with potential losses of nearly {$50000.00} in escrow and a stacking hotel bill. The company has refused to make an exception for their oversight and has taken no accountability for the financial ruin that they have caused us. They have not acknowledged what can be done to assist and have made it clear they have no plans to. I would asked that the CFPB do a formal investigation into this and review if PRMG should be allowed to originate VA loans given their disregard for service members and their families.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

I keep receiving mailed notices that I owe XXXX XXXX {$340.00}. The debt was from a residence in Texas. I have never lived in Texas. I am born, raised, and still live in California. I believe this debt is a result of ID theft or just plain misinformation.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OK)

I purchased a home in XX/XX/XXXX, and purchased a XXXX XXXX policy on the home when I purchased it, paid through the title company. In XX/XX/XXXX, I switched carriers to Openly and paid the balance myself. XXXX XXXX sent a refund. On XX/XX/XXXX, I received a letter from the people my bank sold my loan to, Planet Home Lending, which stated they paid the new insurance policy premium. I called XX/XX/XXXX and was told it was due to them receiving a bill, however, my insurance company states they sent a XXXX dollar invoice notifying them of the change. I called Planet Home Lending again on XX/XX/XXXX and they are saying they submitted payment despite acknowledging that the letter was XXXX dollar balance due and they had XXXX regard for spending my money from my account without even looking at the balance due. Now I'm left holding the bag.
Consumer complaint received 2021-10-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On my wifes and my credit report the bank reported us 60 days late on XXXX for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

ON FRIDAY, XX/XX/XXXX. AN AUTOMATIC PAYMENT WAS INADVERTENTLY PROCESSED TWICE. i NOTICED IT WHEN i CHECKED MY BALANCE ON MY MOBLE BANKING APP. i CALLED MY BANK IMMEDIATELY AFTER i WAS UNABLE TO CONTACT THE PAYEE. i WAS TOLD THAT BECAUSE THE PAYMENT ( S ) WERE PENDING, THEY WERE UNABLE TO STOP THE SECOND PAYMENT FROM COMPLETING. i WENT TO THE BANK AND SPOKE TO THE MANAGER AND EXPLAINED MY SITUATION - THAT MY RENT WAS DUE THE SAME DAY, AND MY FUNDS BEING HELD UP WERE PREVENTING ME FROM PAYING ON TIME, AND THAT IF THIS WASN'T RESOLVED BY END OF BUSINESS, I WAS GOING TO HAVE TO PAY AN {$85.00} LATE FEE, AS THERE IS NO GRACE PERIOD. THE MANAGER TOLD ME THAT THEY HAD TOO MANY ISSUES STOPPING PENDING PAYMENTS IN THE PAST, SO THEY STOPPED THE PRACTICE. APPARENTLY, PEOPLE WERE MISUSING IT. I EXPLAINED THAT I HAD BEEN A CUSTOMER FOR YEARS AND IN GOOD STANDING. THEY COULD CLEARLY SEE THIS PAYMENT HAS COME OUT EVERY OTHER WEEK, WHEN MY PAY CHECKS ARE DIRECT DEPOSITED, AND IT WAS CLEAR THAT THIS ONE HAD PROCESSED TWICE. THE END RESULT WAS I HAD TO PAY THE LATE FEE, BUT WAS FINALLY ABLE TO CONTACT THE PAYEE, WHO INFORMED ME THAT THIS WAS A GLOBAL ISSUE OF PROCESSING DOUBLE PAYMENTS. THEY WERE ABLE TO REFUND THE SECOND PAYMENT, BUT NO ONE HAS BEEN ABLE TO COMPENSATE ME FOR THE {$85.00} LATE RENT.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead coorporation. Wells Fargo Auto has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like XXXX which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX TX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$5900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is Wells Fargo Auto sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave Wells Fargo my information. I gave it to XXXX XXXX TX, XXXX and not Wells Fargo Auto. Wells Fargo Auto also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. Wells Fargo Auto said they are not governed by the FDCPA which is false and misleading information which can result in Wells Fargo Auto Being Liable for damages. Wells Fargo Auto sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I sent in a letter to TransUnion a few weeks ago to dispute an inquiry that I did not authorize. In response, I got a letter from TransUnion stating ( in short ) that its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily on XX/XX/2022 and Ive been trying to figure out how is it important if its still showing up on my credit report since its an inquiry Ive never authorized and its an inquiry that I have no knowledge about whatsoever. Before I even sent this inquiry letter to TransUnion, I requested for the creditor to send a letter to TransUnion and myself to remove the hard inquiry but they refused. Got in contact with TransUnion via XXXX and spoke with XXXX. I explained this issue to her and she gave me the number to contact to help assist me with the next steps to take especially if its fraud. I then contacted TransUnion by the number that XXXX gave to me the same day ( XX/XX/2022 ) and I got in touch with someone. She told me that they could not remove the inquiry. Im very frustrated and its really hindering my ability to obtain more credit. Any help would be greatly appreciated!
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened a Bank of America XXXX XXXX credit Card on XX/XX/2021 pursuant to a promotion of 50,000 bonus points for spending {$3000.00} within the first 90 days. Bank of America charged me a {$95.00} annual fee before I made even a single purchase with the card. I then satisfied the {$3000.00} purchase minimum within 90 days. The 50,000 reward points should have posted months ago by the express terms of the promotion ( attached ). I called Customer Service on XXXX XXXX, XXXX  to ask about the reward points. XXXX confirmed that I met the minimum purchase requirement to receive the promotional points, and said the rewards take at least a statement cycle to post. He said the points would post soon ( in next statement cycle ). Five months later, the points still have not posted. Instead, BofA imposed another {$95.00} annual fee on my account, reflected on the card statement I just received today. Apparently BofA is deliberately dragging out the promised reward posting to receive at least one more annual fee. This should not be allowed.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (OH)

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.