davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bonneville Billing and Collections (TX)

XXXX XXXX, XXXXTo Whom It May Concern, I did not receive notice of my right to dispute a bill nor did I receive proper notice that I owe a debt before it was sent to collections. 

I went to XXXX in the XX/XX/XXXX seeking medical attention. The staff there informed me that after viewing my insurance the matter would be taken care of by my insurance company. Even after I called and the person on the phone assured me the visit would be no more than {$100.00}. 

In XXXX of XXXX I received notice from the Bonneville collection agency that I had an outstanding debt. The debtor was unrecognizable to me because I had not gone to the doctor in over a year and I did not recognize the name, XXXX. So I thought it was a scam. 

After receiving another notice and about XXXX strange phone calls I called to ask who they were and why they were bothering me. That 's when I was informed of a bill from XXXX. I asked XXXX to send me documentation. They sent a bill dated XXXX XXXX, XXXX. That 's all they had. 

Then I called XXXX to ask why was n't I notified of a bill so I could pay or dispute it? I also asked them to send me verification that they attempted contact me or submitted this information to my insurance company and also, why was this bill so high? 

XXXX simply sent me the same XXXX XXXX, XXXX bill that Bonneville Collections had sent me. They had no more documentation.. 

I have since spoke with and written emails to XXXX, XXXX, XXXX, /Mercedes, and XXXX at XXXX asking them to withdraw this Debt from the collections agency and give me time & proof that this is a legitimate bill. I have been ignored. 
Since this business has chosen to ignore me and my plea for assistance would you please intervene? 

Sincerely,
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (PA)

I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.
Consumer complaint received 2016-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (DC)

My wife and I applied for a {$270000.00} home equity line of credit from TD Bank to be secured by our residence, which had appreciated in value since our previous financing. In order to qualify for the HELOC, TD Bank required us to refinance with TD Bank the existing, 30-year fixed rate mortgage we had with a different lender. We agreed to refinance our home as a condition to the HELOC. We simultaneously closed the refinance of the mortgage and the HELOC on XXXX XXXX, 2016. 

At the simultaneous closing of the mortgage and the HELOC, TD Bank did not collect any closing costs from us. Pursuant to the Closing Disclosure prepared by TD Bank and executed by my wife and me, TD Bank gave us " Lender Credits '' for closing costs equal to {$9700.00}. This more than offset the {$9500.00} in closing costs listed elsewhere on the Closing Disclosure. As a result, the Closing Disclosure clearly stated that the aggregate net closing costs to us were - {$150.00}. 

As soon as the HELOC closed and the funds became available to us on XXXX XXXX, 2016, we withdrew the entire available principal amount of {$270000.00}. Later that same day, TD Bank drew {$9700.00} from our HELOC account without our knowledge or consent. To be clear, at the time TD Bank drew the {$9700.00} from our HELOC account, the HELOC had already been drawn down to {$0.00}. As a result of TD Bank 's draw, our HELOC was overdrawn by {$9700.00}. 

We only learned that TD Bank drew additional funds from our HELOC account once we received notice from TD Bank that our HELOC was overdrawn by {$9700.00}. Only after we spoke to a representative at TD Bank did we learn that TD Bank intended to apply the overdrawn amount to " closing costs ''. The draw by TD Bank expressly contradicts the Closing Disclosure that it prepared and required us to sign at closing. Further, TD Bank made no effort to collect from us, or draw from our HELOC, any closing costs at closing. 

Since we first received notice of the overdraw, TD Bank has threatened us with collection on numerous occasions. We have discussed this issue with various representatives of the bank but have not received a satisfactory resolution. TD Bank representatives attempt to support their position by pointing to the Closing Disclosure. This is despite the fact that the Closing Disclosure clearly states that we were to receive a credit for closing costs from TD Bank at closing. 

We are deeply concerned by TD Bank 's actions and the threat to both our property and our credit rating.
Consumer complaint received 2023-09-17
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. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/ Dear TRANSUNION, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit reports with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX - XXXX Amount : {$4500.00} Party Owed : XXXX XXXX Amount : {$190.00} I am disputing this account due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Consumer complaint received 2016-11-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phillips & Cohen Associates, Ltd. (NY)

Phillips and Cohen first contacted me by phone in early 2009, claiming they had been hired by XXXX Bank to collect on XXXX separate credit card accounts for deceased " XXXX XXXX '' ( my grandmother ) and that they were seeking info on identity of any probate lawyer, executors etc. 
The person who called a " XXXX XXXX '' would only give them the last XXXX digits of the alleged account numbers. 
I gave " XXXX XXXX '' the info I had on XXXX of the last people I knew to be XXXX of XXXX attorneys and told her I would not give them any more information until they confirmed to me the actual existence these accounts with a copy of the applications and all statements for the time the accounts were in effect., proof that they were indeed hired by XXXX and so forth. 
She claimed they were not allowed to tell me anything else, so I told her that I would say no more until they did and that they should just call the lawyer then. 
A few months later, someone else called from this outfit, telling me she wanted me to confirm the information I had given them the first time. 
She claimed person who had first called me by name of " XXXX XXXX '' was no longer working there. 
I refused and told her I had never been sent anything I had requested and that XXXX Bank denied hiring them. 
There were no more calls that I am aware of, but instead I received a letter for XXXX of the accounts addressed to " XXXX XXXX '' not " the estate of '' etc. That letter came from a different address than the XXXX in XXXXXXXX I had first been given. 
I also asked this woman why they were pulling MY credit for an account of relative. 
She denied it happened. I told her I could send a copy of my credit report, but she claimed there was no reason to do so since they did not pull it, she insisted and refused to give me her contact info. 
I later found an email address for people at thus company and wrote them a detailed explanatory email demanding an explanation to all these issues and once again, the copies of the info I had requested. 
It was ignored. 
The letter sent is dated XXXX 2009 and is after my speaking to them twice on the phone. 
I contacted XXXX Bank multiple times over this matter, but they refused to help, insisting they had never hired PC and therefore there was nothing for them to do, and refused to give me an explanation as to how PC somehow was able to get the info on these accounts if they were never assigned or sold the accounts By XXXX. 
Enclosed is a copy of the XXXX demand letter that came in the email. 
The address of the office that contacted me is XXXX XXXX XXXX, XXXXXXXX XXXX, different than the XXXX on the letter. 
I did an internet search on phone number XXXX and it did not show up as belonging to PC and oddly area code XXXX listed in their fax number is apparently XXXX, not XXXX or XXXX listed on the letter. 
Also related to this matter are XXXX previous complaints I filed against XXXX bank, numbers XXXX and XXXX.
Consumer complaint received 2015-07-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. 

Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. 

We have asked that all future communications from Prestige Financial to us be sent via email only.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I am the XXXX y/o father of a student who graduated from college in XXXX. I co-signed for many of the loans. Some of the loans have been paid off and others are receiving payments. Navient is XXXX such creditor. The XXXX loans with Navient originated with XXXX XXXX. Due to our financial difficulties XXXX XXXX agreed, by phone, that we would be able to reduce our payments to {$300.00} per month for all XXXX. 
We have since filed bankruptcy and are living on Social Security. Our attorney filed a Cease and Desist order on Navient. On the XXXX of XXXX XXXX I was told at XXXX hrs by Navient representative XXXX ( XXXX XXXX ) that there were programs that Navient could tell me about that would help me with the loan but first we ( my wife and I ) " can only take advantage of reduced monthly payments and other assistance only if we void the Cease and Desist Order. '' When pressed for information Navient would not reply. I ended the conversation and continued to make the payments. 
Today, the XXXX of XXXX at XXXX hours I received another call from Navient saying that the caller was in a special department and could help me. I was informed they had only so much time available to help me with a proposal to reduce the balance and that my request for a written proposal would probably result in the time to make a decision expiring. With no chance of receiving hard copy of any loan information proposal, I hung up.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.
Consumer complaint received 2016-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (AL)

Recently I was told by IberiaMortgage that I would no longer receive a monthly mortgage statement. ( I have had a mortgage in one form or another for over 20 years! ) I called to confirm this and they did just that. The email I got from them was short and to the point : XXXX XXXX, We have stopped completing the Monthly Statements. 
Thank You XXXX XXXX IberiaBank Mortgage Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX Phone : XXXX Desk Phone : XXXX Fax No. XXXX It seems that there are regulations requiring the bank to send a monthly statement. Could you please help me with this?
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (IL)

I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Consumer complaint received 2023-09-16
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. (MI)

I have reached out to Experian multiple times about the situation. The customer service rep is rude and unhelpful. I made several disputes regarding my credit report. My sisters information is reporting on my credit report. I have disputed it with Experian. Each time they finished the dispute and still reported my sisters information on my credit report. I attempted to resolve this with Experian numerous of times, with online disputes and reported disputes with their customer service phone representatives. Experian is not doing an adequate job of reporting the correct information and removing my sisters information from my credit report. My sister and I have no accounts together and there is no reason why her personal information should be on my credit report. This is a invasion of privacy and Experian has broadcasted my sisters private personal information. Currently my sisters credit card is still reporting on my credit report and my personal credit card information with XXXX XXXX was removed off my credit report and reported on my sisters credit repot. Below are issues that I experienced with Experian. 

Information belongs to someone Information is missing that should be on the report ( missing credit card ) Personal information incorrect ( Ssn, address, name ) I would like my credit information to be updated to report accurate information.
Consumer complaint received 2024-10-29
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. (LA)

I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to Experian, XXXX XXXX XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Solutions, LLC (KY) (OH)

COMPLAINT account # XXXX This is getting ridiculous, i just found another collection agency on my report that never sent a validation letter to me. Why are these agencies allowed to get away with this fraud! unbelievable. I HAVE HAD ENOUGH, IF CREDIT SOLUTIONS LLC DOES NOT REMOVE THEIR TRADENAME OFF MY CREDIT FILE I WILL TAKE LEGAL ACTION FOR DEFAMATION, PERIOD. IF CREDIT SOLUTIONS SEND A VALIDATION LETTER AFTER RECEIVING THIS COMPLAINT WILL RESULT IN A CAUSE OF ACTION UNDER THE STRICT LIABILITY STATUTE FDCPA FOR FALSE AND MISLEADING REPRESENTATION. 

Now comes, XXXX, in consumer capacity filing a complaint against debt collection agency Credit Solutions LLC, an Kentucky agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Credit Solutions LLC tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; Credit Solutions LLC placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Credit Solutions LLC and XXXX ; I have never received any validation letter from Credit Solutions LLC prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC 1321.591, and XXXX Case No. XXXX ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; Frey XXXX, 970 F.2d 1516, ( 6th Cir.XX/XX/XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with UCC 2-201 Statutes of Frauds ; ORC 1335.05 Ohio Statutes of Frauds ; XXXX v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; If I am denied credit do to the fact of Credit Solutions LLC actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX and XXXX XXXX.