davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (IN)

I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. 

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. 

I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX  XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2017-12-15
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. (NV)

Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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, 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 2017-12-15
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: Experian Information Solutions Inc. (IN)

I started asking for a copy of my Promissory Note with my original signature on it since XXXX XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XXXX XXXX, XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XXXX XXXX & XXXX, XXXX XXXX & experian was sent via certified mail XXXX online dispute portal, XXXX XXXX, XXXX all was sent certified mail, and the 4th and final letter was sent XXXX XXXX, XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Consumer complaint received 2017-12-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NV)

XXXX XXXX XXXX our family got stationed at XXXX, we moved into a apartment in search of a home prior to our household goods being delivered. We found a home and on XXXX XXXX asked our lender ( XXXX XXXX ) what documentation was needed for a pre-approval, We provided the documents and had completed everything with the realtor paperwork ( contract ended on XXXX XXXX XXXX ), inspections, {$2000.00} in XXXX and were ready to order the appraisal. On XXXX XXXX we gave the lender the green light to order the appraisal. On XXXX XXXX or XXXX the lender said the appraisal was ordered. We received several emails and phone calls from our realtor regarding the status of the appraisal and on XXXX XXXX reached out to our lender and asked about the appraisal because we havent heard anything yet. The sellers, the sellers realtor and our realtor requested some sort of documentation/proof that the appraisal had been ordered and XXXX XXXX refused to show anything reflecting the appraisal had been ordered stating it was " against their company 's policy ''. On XXXX XXXX our deadline/end of contract we still had no information on the appraisal. Our lender claimed it had been ordered and again refused to show anything proving the appraisal was ordered. We really wanted this home so our realtor reached out to the sellers requesting an extension on our lender XXXX XXXX word that he would close on the XXXX of XXXX. On XXXX XXXX My account was charged XXXX $ for an appraisal fee by movement mortgage. The home was placed back on the market and we received a cancellation from the seller on XXXX XXXX due to the inability of our lender XXXX XXXX to be honest and his failure to fulfill the duties the job required him to do. XXXX XXXX we asked lender why my card wasnt charged for when the first appraisal was supposedly ordered. XXXX XXXX response was When the seller is covering costs we initially charge all orders to our account & then it 's applied at closing on settlement statement as a " cost '' & then paid by seller. When this one was re-assigned to the new appraiser there was obviously a chance of it going south due to seller backing out so it was then charged to you at that time in case it did n't close so it would n't be our expense. On XXXX XXXX I called the VA and asked them if they have any information of the 1st appraisal being ordered, the only information the VA had was when the house was purchased previously in XXXX and then XXXX XXXX XXXX when my account was charged.
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Foreman Financial Inc. (CA)

foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (NC)

On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.
Consumer complaint received 2017-11-08
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (FL)

There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (VA)

In the month of XXXX XXXX I fell behind on my payments, during the process of making payments to bring my loan into good standing and current with XXXX XXXX XXXX. I authorized a post dated payment to be withdrawn from my account on XXXX XXXX, XXXX. After 4 days of checking my account and no withdrawal of {$250.00} dollars from my XXXX XXXX XXXX XXXX Checking Account ending in XXXX, I called XXXX customer service line and spoke with a representative who said that she saw the payment pending but now further information was available. I authorized a second payment in the event that XXXX/XXXX/XXXX payment was n't processed correctly. The second payment was processed on XXXX XXXX, XXXX. After a few more days my account did not reflect any withdrawals from XXXX XXXX XXXX processing that XXXX uses for their collection purposes. I spoke with the Bank branch manager who researched the issue on their end and confirmed that no withdrawals were attempted. I gave it a few more days in the event that there were any delays in processing until I received a very rude collection call accusing me of being 50days past due and owing {$530.00}. When i asked about what happened to my previous payments the collection rep was unable to answer that question and informed me that the unsuccessful payments were noted as being NSF. I quickly corrected her that those previous payments were not presented to my bank for collection and then I asked to speak to a manager and supervisor who could answer my questions and find out why my payments were never processed and now being reported as NSF on my account and listing my loan late with the Credit Bureaus. The manager was just as rude as the rep and was less helpful than the previous representative. The company is unwilling to resolve the incorrect information still reporting my account as late for XXXX XXXX with the 3 Credit agencies. 
Monday XXXX XXXX, XXXX I authorized a payment to be collected from my savings account which was successful. Wednesday XXXX a complaint advocate left a message wanting to speak to me in regards to the conflicting information, whoever the telephone number she left for me to call back was incorrect and when I called the general customer service number the agent informed me that they do not forward calls to another departments and if he was not able to resolve my matter that he would forward a message onto his manager and have someone contact me, 48 hours later still no call or solution. 
So I would like XXXX XXXX to provide me with an explanation as to the issue that prevented my payments to be withdrawn from my account on XXXX & XXXX ; then the account to be corrected and reflect the correct reason for the failed payments and not NSF. After that a correction to the 3 credit bureaus that my payment was only 30 days past due for the month of XXXX, XXXX. 
It probably would n't hurt for them to be audited and make sure they are treating customers fairly and not using unethical collection tactics.
Consumer complaint received 2017-10-12
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. (CA)

My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this. 
Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion. 
Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}. 
We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case. 

Thank you very much for your help! 

XXXX XXXX
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (NY)

I received a collection letter from Linebarger Goggan Blair & Sampson, LLP over two unpaid tolls amounting to {$10.00}. The collection notice also added {$50.00} in fees. The tolls were incurred over a year ago. I made multiple efforts to pay the tolls around the time that they were incurred, however I was told multiple times that there was no record of the money owed so I could not pay. I sent a letter via both postal mail and fax explaining my previous efforts to pay, and I enclosed the full amount demanded in order to evidence my good faith effort to pay the debt. By not allowing me to pay the debt, and then subsequently sending a demand letter which includes fees and other charges, this firm is engaging in an unfair and deceptive trade practice. After I sent the letter to the firm, they made no effort to investigate this matter or contact me to resolve this in any way. The letter is dated XXXX XXXX, XXXX and the checks were cashed on XXXX XXXX, XXXX. 

Additionally, this firm is violating the FDCPA by sending letters that would confuse the least sophisticated consumer. The letter clearly states that no lawyer has reviewed the account or made a determination as to the legal status. However, the letter also cites the statute which provides for payment of tolls, and then straightforwardly concludes that I owe this money as a result. It is plainly misleading to state that no attorney has made a determination yet state a legal conclusion.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I was not able to withdraw funds at two different in-network ATMs. Both XXXX and XXXX  ATM transaction receipts referred me to the card issuer. ALLY Bank Customer Service agents XXXX and XXXX tried to help. They provided me with ATM withdrawal limits that did not match my written bank contract. BUT, the limits were greater than the amount of my withdrawal. They both informed me that there were no limits or restrictions on my ATM card that would have prevented my withdrawals of under {$2000.00} USD. I asked for escalation and was put in contact with XXXX XXXX XXXX XXXX. He provided the same erroneous ATM withdrawal info and admitted he was also unsure as to exact details. No one could help me with any assurance that I could access my ALLY Bank funds in any way keeping in mind that ALLY Bank has no physical branch locations. I consider this incident retaliation for having filed CFPB Complaint XXXX on XXXX for similar breach of contract and denying me access to my ALLY Bank funds. I am requesting you help in gain access to my funds from these thieves as well as keeping ALLY Bank from assaulting me with any further retaliation as I suspect is the case in the matter I am complaining about.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

In XXXX, I contacted Sears regrading my situation and told them that we got affected by hurricane Harvey and would like to see if they can assistance us in any way or shape. I told them that we are living in FEMA assisted hotel and my employment got affected by hurricane Harvey, so the customer representative at the time told me that he will try to help us. Upon checking in their system they told me that they have Fema program going on with which I wont have to worry about my both Credit Card payments until XXXX and I can start my payments at the somewhere around at the end of XXXX XXXX and that 's what I have been told couple of time. Then recently, I got call from Citi bank and the customer representative told me that my accounts have been past due from 60 days in which I informed him about our previous conversation that I have with several customer Representative. So he told me that the program was for only two months which I was n't informed about and ; So I try to justified my point tell him that I was informed about about the program was till XXXX XXXX and I can start my payment around end of XXXX XXXX so he told me that he was sorry about the misinformation. So I dont think that several Representative giving misinformation and still reporting it to my credit bureau. I still receive consistent calls about my payments.