davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX  XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX  account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company. 
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine. 
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover cards closed my account stating that I needed to pay at least the minimal amount, which I have. 
This is an adverse action it is discrimination and unlawful. It is prohibited by title 15 USC 1691. For the purpose of this subsection adverse actions means a denial or revocation of credit the scope of this chapter is prohibited it is a discrimination.
Consumer complaint received 2020-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I originally refinanced with XXXX XXXX XXXX XXXX ( NMLS # XXXX ), Loan amount {$140000.00}, 30 yr., VA IRRRL XXXX 2.75 %, PITI {$930.00}. 

My first payment was sent with an extra principal payment of {$360.00} for a total of {$1300.00}. The loan was transferred to a servicer Paramount Residential Mortgage Group , Inc. ( NMLS # XXXX ) XX/XX/2020. 

My servicer disclosed the same loan amount of {$140000.00} and noted that I was in default on my first payment. I notified PRMG of the discrepancy and put out a trace from my bank on the payment made through online banking. XXXX  XXXX XXXX has confirmed that the payment has cleared. Check XXXX {$1300.00} ( extra principle of {$360.00} ) was mailed to XXXX XXXX XXXX XXXX for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/2020.The payment was applied on XX/XX/2020. After notifying XXXX XXXX XXXX, a payment with an initial escrow balances collected during settlement was sent to PRMG. PRMG has misappropriated the first payment of {$930.00} plus the extra principle payment of {$360.00} and has not corrected the balance. 

I have since sent two additional payments for XXXX and XXXX, {$1300.00} & {$930.00} respectively. Check XXXX for {$1300.00} ( extra principle of {$360.00} ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/2020. Check XXXX for {$930.00} ( no additional principle ) was mailed to Paramount Residential Mortgage for receipt by XX/XX/2020. Money was withdrawn from my REGULAR CHECKING XXXX account on XX/XX/XXXX, XXXX payment was applied on XX/XX/XXXX, XXXX.However, PRMG is still showing that I have an outstanding balance. Additionally, the outstanding loan amount is also incorrect as payments have been misappropriated.
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I made a {$10000.00} additional principal payment to bring down my loan to value to 79 %. On XX/XX/XXXX, I requested J.P. Morgan Chase to cancel my PMI insurance. On XX/XX/XXXX, Chase canceled my PMI insurance because my XXXX was XXXX XXXX 

However, Chase proceeded to charge me {$150.00} for PMI on XX/XX/XXXX. Based on Chase 's own letter, they said, " As of XX/XX/2024, you no longer have to pay for private mortgage insurance for your mortgage loan ''. I don't know why they charged me {$150.00} for PMI insurance that no longer exists on XX/XX/XXXX.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MN)

I had a credit card with American Express. I am going through hardship and need some help from American Express. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from American Express on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called XXXX XXXX Firm stating they were representing American Express. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that American Express told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by American Express. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to American Express, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. American Express never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped 84 points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped 84 points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the 84 point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MI)

Upgrade Inc is reporting late payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX in which they received payments and this account has never been late. I requested several times via phone and by mail and nothing has changed.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (OH)

I am requesting with this notice that the following account be DELETED from my credit report. PNC CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
Consumer complaint received 2023-05-08
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX : has violated my rights. XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

On my FICO score credit rating went down for the months of XX/XX/XXXX to a score of XXXX, and XX/XX/XXXX to a score of XXXX. My score was always above 800.My score for XX/XX/XXXX was XXXX. I called FICO ( Discover card ) numerous times and was told it was in escalation and they would check on it My last call was on XXXX XXXXIt also shows that I missed a payment.I did not miss a pymt. I always pay my bills on time.I was told that FICO gets their information from XXXX I Icalled XXXX and was told that there wasn't any missed pymts.I also printed out a hard copy of my report from XXXX and could not find anything wrong with it-nothing for the past 5 years.I paid {$22.00} for the report.When I called FICO they told me to call XXXX.When I called XXXX they told me to call FICO.I can't get a straight answer.I obtained a score from XXXX, XXXX, XXXX XXXX, and XXXX XXXX.All scores are above 800.I don't know why my FICO score went from XXXX to XXXX, everything is paid up and on time.I CAN'T GET ANSWERS.I would appreciate your help.Thank you.
Consumer complaint received 2023-04-12
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. (SC)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-12
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. (NY)

I have been having such a hard time trying to deal with XXXX and Transunion in removing these fraudulent accounts. I am a victim of Identity theft and fraudulent accounts were opened without my knowledge or consent. I tried working with the bureaus directly but they have not been helpful at all.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA decided to sell off their investment banking business to XXXX XXXX. In the course of the transfer, my IRA was converted from to a standard brokerage account, which triggered a letter from the IRS. Apparently, USAA hired a company called " XXXX XXXX XXXX, XXXX '' to do all of this clearing and at some point, the account was converted to a brokerage account, which might have created a taxable event. The process is still ongoing but because of USAA 's actions, I will now be forced to spend numerous hours correcting their mistake.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX or XXXX 2020 I can't remember the exact date I called to settle this debt was to make a settlement back in XXXX of XXXX but everything shut down due to the covid and I loss wages. So when I called to try to settle again the rep was very nasty to me and asked me if I couldn't pay the settlement offer then and there why would I be trying to fix my credit right now which was very disappointing to hear. she was just flat out XXXX to be a floor supervisor.. Then called today which is XX/XX/2020 came up with a settlement amount of XXXX agreed to that then the guy says if you can't pay it by XXXX of XX/XX/2020 then you have to pay the whole amount of XXXX if I needed 30 days. I then said to him agency 's usually give you 30 days to pay the settlement amount so you and them can get the agreement in written, he then said use your common sense " NOT EVERY AGENCY HAS THE SAME RULES '' I then said to him how unprofessional that was. He says if you need to XXXX XXXX you can't get the settlement you have to pay the full amount. I explained to him I don't need that long I just need 30 days from today which would be XX/XX/XXXX he said NO!
Consumer complaint received 2023-04-12
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. (NV)

I have been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My Transunion report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I deposited an official bank check from XXXX XXXX into my Bank of America checking account via an ATM deposit. After depositing the Official Check the ATM indicated that 100 % of the funds would be held until XX/XX/XXXX at XXXX. It concerns me that no portion of my deposit was made available to me, especially since the deposit was from a local bank account that I closed and that bank provided me with an Official check. As a Bank of America customer since XXXX, that receives monthly deposits into their account, I believe this hold is excessive. No portion of the deposit has been made available to me and I am concerned that this is an unjustified practice.Bank of America has received the funds for this official check and is now collecting interest on my money, which is not available to me. 

I spoke to XXXX, Senior Client Advocate from the South Carolina online banking location who reached out the the extended holds team.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX a person attempted to open a credit card with JPMCB Card Services ( Chase ) using my information. A credit check-hard inquiry- was placed with XXXX without my consent. Thankfully, the application was declined. I have a fraud alert with XXXX until XX/XX/XXXX. I was unaware of this inquiry until a second attempt on XX/XX/XXXX with same company ( Chase ). This time XXXX XXXX notified me that a hard inquiry was placed again with XXXX. I immediately contacted JPMCB Card Services at XXXX and they verified it was fraudulent and declined the application. They did send me information on how to protect my identity. Also, they said they would contact XXXX to report the inquiries were fraudulent. I did have to create another report for the first hard inquiry as it was not identified as fraudulent. In both cases, I had a fraud alert with XXXX and Chase did not check with me prior to proceeding with the credit checks.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (LA)

LVNV FUNDING, INC and their attorney got a judgment which is the result of identity theft and it was uncollectible because it was past the statute of limitation. A relative took out a credit card in my name. I paid it about ten years ago by phone and thought that was the end of it. LVNV through their lawyers, XXXX XXXX in XXXX XXXX got a judgment although they knew the debt was old and uncollectible. of course, the Judge took their side because that's what a corruptible judicial system does. I tried to tell them it wasn't my debt and besides that it had been paid by them collecting a payment more than a decade ago. i also had someone tell the Judge that I had an email that stated that the email was too old. I do not owe LVNV anything and I do not see how they can collect on this debt. The collection attorneys they have are the worse. Not only that, they are well connected, getting judgements on people everyday. You need to investigate them and their antics for the sake of hard working consumers like me who are being railroaded by big corporations who buy old debts for pennies on the dollar. it's unfair for me to be a victim of identity theft, pay the bill and then get a judgment against me for an zombie debt. It is so unfair I am crying all the time about this because there are people out there who are just horrible people and take advantage cause they can. I do not have any more money to pay lawyers but I will not give up because I do not owe this and I can not let them win