davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX XXXX The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (GA)

My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: A/R CONCEPTS, INC. (IL)

The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

In XXXX XXXX, I refinanced my mortgage for the unit I have been living in located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. At the time, my mortgage servicing company, Ditech Inc., overpaid my property taxes to the city of XXXX by {$580.00}. Now, the city says that they can not return the over-payment unless Ditech contacts them. Since then, I have contacted Ditech XXXX times they promised to follow-up on that. However, as of XXXX/XXXX/XXXX, according to XXXX XXXX XXXX XXXX Collector 's office, nobody has contacted the city regarding this issue.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

The check I deposited into Chase Bank was cleared and paid to Chase Bank but they have put a hold on the funds for 8 ( eight ) days. It was a transaction between different banks which I both had accounts with. Very puzzling why my funds are not available to me, though Chase Bank has been paid! I 've contacted them by phone and was told to wait till XXXX so they could call XXXX XXXX ( other Bank ) to verify. Still till this day have not gotten funds available to me ... ..Keep getting e-mails from them saying deposit is on Hold! 
I ca n't go into Chase Bank to make a Cash deposit to cover any possible transactions submitted to them for payment from my checking account -- checks will possibly bounce due to this ...
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (HI)

I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Forster, Garbus and Garbus (NJ)

I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Pinnacle Credit Services, LLC (TX)

applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.
Consumer complaint received 2016-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (SC)

I cosigned a student loan for my daughter with American Education Services. The payments were {$60.00} per month, and I was sending {$100.00} figuring the overage would be paying down the principal. I started receiving monthly statements showing no monthly payment necessary. I called to question this as the balance was not going down yet the amount of interest paid was going up. When I finally spoke with someone he said that i was paid so far ahead that no minimum payment was necessary but the interest was still accruing. I explained that the overage should have been applied to the outstanding balance not to future payments. I kept trying to get in touch with someone farther up the ladder to get this straightened out. But no one would return my calls or letters. I started repaying this loan in XXXX and as of XXXX XXXX I had paid {$5400.00} dollars in interest, {$2700.00} in principal, and had a remaining balance of {$5200.00} at 7.41 % interest
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I opened a Citibank checking account on XX/XX/year>, today is XX/XX/year> and I have never received a debit card. Citibank customer service is by far the worst I've ever encountered. I am currently locked out of my account and can not access my money. I called their customer service and they told me that they can not send a code to my phone number on file because " their system won't let them '' so they said they will try to send it to my email address on file but they came back with the same outcome, they are unable to verify me in any way possible. They suggested I stop into a branch but that is not an option, I stay over XXXX hours away from the closest Citibank. So now they claim that they can not unlock my account/online access so my money is being held XXXX. I've been on the phone speaking to outsourced agents and supervisors and nobody can help. I spoke to a supervisor named XXXX in the XXXX Department on XX/XX/XXXX and he was unable to help also. He asked for my phone number to send a code, I provided him my phone number and he placed me on a XXXX minute hold. He came back on the phone and said " Unfortunately, we can not verify that phone number. '' That makes no sense because that is the number I used to sign up for this account and I've received codes from them in the past. He says that Citibank uses a third party source to verify information but this does not help their consumers! I provided a phone number to CITIBANK, not a third party service. The phone number is under my name also so this really doesn't make sense. He even claimed that they can not send a code to my email address neither. Nor can he verify me using my social security number, security code that I made up or any other means. So I asked, how can I access my money because you can not hold my money XXXX. His exact words were, " There is nothing Citibank can do about this. '' This is unlawful! Citibank deserves to be sued!
Consumer complaint received 2024-11-14
Product: Credit reporting 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. (CA)

I have unauthorized inquiries, that i do not recognize on my reports dated XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.
Consumer complaint received 2017-01-23
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BWW Law Group, LLC (MD)

XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

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.

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 2016-05-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..
Consumer complaint received 2016-09-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc (LA)

I started making payments through the online website XXXX for a debt that was owed. When I made the payments to them they provided a collection company Astra my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with Astra or spoken with them about the case. The funds should be placed back into my account, because Astra received information that should not have been provided to them to collect a debt. XXXX states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-07-21
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

Undoubtedly mortgage refinancing solely to take advantage of lower interest rates is of unquestionable benefit to consumers who are currently paying high interests rates on their mortgages. However, this probable benefit is greatly diminished, and in some cases practically eliminated, by the puzzling practice of banks to consider this type of refinancing as brand new loans with all its inherent high costs. 

Other than the change in the rate of the promissory note and its corresponding recording, on an existing mortgage there is n't absolutely any consequence to the collateral held by the bank, favorable or unfavorable. The BCFP should ask ; why all the charges associated with a brand new loan? 

It is not surprising that banks actively promote the refinancing of mortgage loans..
Consumer complaint received 2017-01-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells fargo still continues to charge me MIP, when my over XXXX % in equity Mortgage insurance premium ( MIP ) Payment amount {$260.00} Premium amount {$3100.00} Frequency every 12 months Next due date XX/XX/2017
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.
Consumer complaint received 2017-01-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''