davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank closed without my consent XXXX accounts opened claiming fraudulent activity. Bank has no basis to close accounts for fraud. Bank opened XXXX XXXX XXXX in State of Wyoming which I later learned they are not Incorporated to do business and later changed address to unknown address in the State of Kentucky. Branch Manager changed the address on XX/XX/2023, then communicated accounts were flagged for fraud. Branch manager informed me they received communications from XXXX and made determination of information provided which was inaccurate. On XXXX XXXXXXXX XXXX XXXXXXXX accounts were closed without any specific details of the fraud activity. A letter dated XXXX XXXX was received on XXXX XXXX by Truist Bank XXXX the accounts were being closed and they received information from a XXXX party consumer reporting agency that possible lead them to closing the accounts. At any time have I provided XXXX XXXX XXXX XXXX XXXX consent to share my personal information. I contacted XXXX XXXX Services on XXXX to request a copy of my consumer report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.
Consumer complaint received 2023-11-06
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. (FL)

I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of XXXX USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NY)

It has come to my attention that these companies have accounts open under my name and I have no knowledge of this. I do not recall applying for credit with these companies ever before. Either I have been mistaken for someone else or this credit was the result of some fraud. These companies were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these accounts were all opened this year of XXXX Credit lines opened from {$200.00} to {$500.00}
Consumer complaint received 2015-06-14
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NC)

I paid of my JP Morgan Chase student loan more than XXXX years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from Chase about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, Chase apparently has sold my imaginary debt to XXXX, which now claims my debt is {$93.00} plus {$18.00} in unpaid interest. There is no way this is even possible. XXXX days ago, I submitted a written request for verification of the debt to XXXX, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from XXXX saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I 'm not going to start paying made-up debts that I do n't owe.
Consumer complaint received 2016-07-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express phone application omitted many key elements of the terms and conditions when applying. 

1. They did not inform me of the balance transfer terms and limits while making the application. 

2. They could not tell me at what point in the application process that my credit was checked, so I had no way of knowing when to cancel the application. 

3. They could not tell me the amount of credit I was issued, however wanted me to transfer balances immediately. 

4. They attempted to charge me a XXXX % balance transfer fee when I called in, regardless of the sole purpose of the card is a XXXX % window for transfers within the first 30 days.
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AL)

There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015. 
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA. 
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/XXXX a XXXX Country Sheriff went to my parents house in XXXX, PA to an address I have not lived at it over 5 years, nor the address on the account in question. I was immediately contacted by my parents, and reached out to the sheriffs office to find out what paper were being server. The papers were a lawsuit filed by Portfolio Recovery Associates LLC for a debt from a overdue credit account. They would not provide me with the details of the account information. They continued to call my parents house after the sheriff was told I no longer lived at that address. On XX/XX/XXXX I contacted Portfolio Recovery Associates to make payment in full for the debt to resolve the issue from my credit report. The payment was verbally authorized to be made on XX/XX/XXXX. As of today the payment still has not been withdrawn, and when I contacted Portfolio Recovery Associates I was told, " We 'll see you in court. '' And hung up the phone. I 've filed a dispute with XXXX, and Portfolio recovery is now causing damages to my mortgage application, because of not accepting payment in full. I have filed a stop payment order with my bank and I will not continue correspondence with this company. I only made the attempt to pay it off to avoid legal costs and have it removed from my credit report.
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I have tried and tried over and over to prove, that Wells Fargo Bank 's complaints " were always fictitious '' I'm asking, show me a signed copy of any " cure notice '' that I received and proof that I received it, from WFS Financial Inc. Or from Wachovia Bank XXXX from Wells Fargo bank XXXX surely if any debt was due, XXXX of these XXXX corporations whether by contract or standard procedure. In XXXX if someone is late on any debt payments, they get a signed " cure notice '' show me one I received?????
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 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 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. 

On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. 

Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! 

I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. 

My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

*Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thunderbird Collection Specialists, Inc. (AZ)

My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (OH)

This collection agency failed to communicate with me clearly via their website and through their customer service department during a time in which I set up automatic payments of my debt. This lack of communication resulted in payments not being withdrawn and the company reporting this to my credit without cause. They provided me with NO documentation so I have nothing to back up claims. It then took 3 weeks to get someone to call me back so that I could pay off my debt.
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (IN)

I went to Collection Associates to get information on medical collections that keep showing up on my credit bureau that are keeping me from getting financing on a home. Collection Associates responded that they realized that the collections were not mine and told me that someone had to pay the collections. They would not issue a letter stating that they would remove the collections even after i provided proof that the social security number did not match.
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint delivered personal and confidential documents by mail and by messenger to a renter at our home and told our renter that Shellpoint was unable to find or locate XXXX XXXX regarding a delinquent mortgage. The billing address for this mortgage is Pennsylvania. They never once made a call to us prior to sending messenger or certified threatening letters. They took double payments from my checking account on XXXX, which I thought covered XXXX and XXXX payments. 

They violated confidentiality laws and my rights by speaking and handing docs to someone other than me.