davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

I am far from the first consumer to file a complaint about Ditech as of late. On all consumer sites I see the issues are similar : consumers have misapplied payments, most of the complaints say the XXXX 2016 payment was applied directly to principle, late fees, collection calls, payments sitting in unapplied. This for me personally has been going on for 3+ weeks.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: COMMERCE BANK (NM)

On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). 
On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (GA)

I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (FL)

I have been told by multiple representatives of Drivetime that I would be granted a modification to my account and I had to fax in the receipts and documents of my out of pocket expenses. After I faxed in the documents I still had not received any notification that the documents were received or any updates on my modification request. Through a XXXX complaint a Drivetime representative named XXXX told me that in order for a modification to be granted that XXXX things must be involved a ) There must be an out of pocket expense b ) You must be out of hardship and c ) the account must be sixty days past due. When I spoke to Customer Service I was told an exception could be made for my account and that the account does not have to be 60 days past due. I faxed in the receipts of my out of pocket expenses and proof that I am out of my hardship and they still have not granted the modification but continue to call and contact me only for collection purposes only, and has yet to give me an update on my modification request, even after numerous conversations of how and when this modification will be applied to my account. Drivetime has demonstrated unethical business practices and I do not know why the representatives continue to give me misleading information and information that is not truthful. I have been repeatedly told incorrect information and I would just like to know the information involving my loan and what is going on with my account. I would like someone to encourage the representatives of Drivetime to explain the truth about my account and to please stop telling me that a modification will be granted when Drivetime has absolutely no intention of ever granting me a modification, demonstrated when I called yesterday and I spoke to a manager named XXXX that told me that the faxed documents had not been uploaded to my account an that the receipts of my out of pocket expenses had to be for major repairs like to replace an engine! I have never been told my out of pocket expenses had to be a major repair like replacing an engine because my vehicle is supposed to be covered for major repairs, I was told by a supervisor something completely different, I was told I just had to have out of pocket expenses for repairs that were mechanical in nature, and I have a response directly from Drivetime submitted to the Better Business Bureau that describes exactly that same information. Also, when I called and tried to set up a payment arrangement XX/XX/XXXX, Drivetime would not make an arrangement for payment, but instead Drivetime sent me an acceleration notice in the mail two weeks later stating that the entire amount of my loan was going to be accelerated, although my account was not yet 30 days past due, and Drivetime refused to make a payment arrangement before the payment due date, because I knew before the due date I was going to have to make other arrangements with Drivetime, which Drivetime refused.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (CA)

XXXX/ACS alleges that I was late 30/60/90/120/150 days in XX/XX/2015, XX/XX/2015, XX/XX/2015 for the account ending in XXXX. I was never late on any payments.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (KS)

XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.
Consumer complaint received 2016-04-06
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: ACS Education Services (MI)

I have had three phone calls from the same ACS Education Service from XXXX, XXXX three days in a row. Each time, I verfied my identity. I attempted to call ACS in XXXX, XXXX, and they deny it and take no responsibility. I can prove otherwise by my phone log. Three calls, three days. What 's worse, I only have around {$100.00} left on the entirety of the loan. It 's ridiculous! AND ... they were trying to collect, at first, over {$200.00} and did n't have record of last month 's payments.
Consumer complaint received 2017-03-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (TN)

Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (FL)

This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!
Consumer complaint received 2015-12-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for Equifax, XXXX XXXX, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Consumer complaint received 2015-04-19
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (CA)

I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (VA)

I completed a total of XXXX balance transfers from Chase to XXXX XXXX account. The XXXX XXXX transfers with no transaction fee charged, however during my XXXX balance Chase charged {$190.00}. Chase claimed my account has a two month window to do transfers, since the card was opened in XXXX 2015 and the XXXX transfer was made in XXXX XXXX, 2015. I do n't recall see the disclosure that states about two month window for balance transfers. I offered to pay back the balance transfer ( {$6500.00} ), Chase declined.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (AZ)

I received an unsolicited credit card from Chase and called them to demand that it be cancelled and make sure it is not added to my credit report. I called the XXXX credit reporting companies to report, but had difficulty with their phone menu. I reviewed my current report via the free website and did not see the card listed, but there was an inquiry from Chase to my account on XX/XX/2016. 
Chase said someone from their fraud dept would " reach out '' to me, sending some document that I was to complete and return to them. That has not come. I wrote a letter to Chase and the XXXX companies which I will attach to this complaint, if possible, insisting on a written statement from Chase that the issue has been fixed and asking for a security freeze on my report with the XXXX companies.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (TX)

I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.
Consumer complaint received 2015-05-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (CO)

I made {$7300.00} of purchases on my discover card using XXXX that should have received XXXX % cash back ( {$730.00} of cash back ). Thus far I have only received {$230.00} of cash back related to this promotion and am missing the other {$490.00}. I 've made several calls to Discover but nobody has been able to resolve this issue for me.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NY)

Discover claims to offer " price protection '' guarantee in which they reimburse you the difference for an item if a lower price for the item is found within 90 days. I purchased an Apple Watch from the XXXX XXXX for full retail price of {$400.00}. Just a few weeks later, numerous big retailers such as XXXX XXXX for {$100.00} less. I made my purchase using the Discover Card, thinking that I 'd be covered in such a case, as promised. 

After weeks of mind-numbing waiting on hold, resubmitting the same documents, and being told contradictory information, Discover ultimately declined to honor their price protection guarantee. I provided receipts of my original purchase, along with evidence of the new lower price. In fact, the newer lower price has been everywhere, so it would n't take more than a Discover employee bothering to take a look. 

Customer service is of lackluster standards, and as someone who uses services from numerous other financial institutions, I have a lot to compare to. It is near-impossible to reach a customer service representative who is willing to help you at all. Nearly all of them will claim that they can not help you on your issue, but wo n't bother to transfer you to anybody who can. Or will even incorrectly transfer you to further waste your time.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

On XXXX XXXX, 2016, I filled a dispute with Discover for XXXX XXXX, that I booked on XXXX XXXX, 2016. I was not allowed to get on the flight. I called allegiant customer service, after 45+ minuets of wait. I ended up calling Discover and explained them about the whole situation about not letting me board the flight. The customer service Rep. said he will go ahead and file a dispute once the transaction gets posted on the account. They filled the dispute. On XXXX XXXX, 2016, I was given my money back of {$220.00} along with the interest of {$0.00}. This transaction was final not temporary. On XXXX XXXX, 2016, I saw that Discover reposted that transaction for the amount of {$220.00}. Upon speaking with XXXX from customer resolution department, she said that XXXX said all sales are final. First of all, I did not miss my flight. If I was n't allowed to board the flight, how is it my fault? I had to get a bus from the XXXX airport to get a new flight to California from XXXX airport. On XXXX XXXX, I spoke with Allegiant customer service rep. I was told it is been over XXXX months and they wo n't be able to help me with anything. Discover did not represent me properly and took my money back without proper investigation. Discover can get a recording of the airport of XXXX XXXX, 2016. I was n't late. I got there on time. Due to Discover 's misrepresentation and lack of service, I am losing my {$220.00} for a service that I never used or was not allowed to used. I had to pay {$50.00} for the bus from XXXX to XXXX and then {$250.00} for the new flight. All in all, no one at customer resolution department of Discover is willing to help. They are reading the copy/paste policy of XXXX that says all sales are final. Discover did not even look at my particular situation. At last discover failed to perform their duty and represent me properly.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

problem occurred  XXXX   XXXX . I tried resolving :  XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  :  XXXX  x  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  the bank has ignored us and has NOT ANSWERED OUR QUESTIONS about how on earth someone other than myself and my husband ( the  XXXX  only card holders ) can just call up and get  XXXX  points. We have CONTACTED THE M 87 ti mes AS A COURTESY to ANSWER OUR  XXXX  questions as to how our PRIVACY has been breached and continues to be breached?! See attachment. The bank THINKS that by chopping up the card, giving us a new card and a few lousy points will suffice? NO WAY! ANSWER OUR  XXXX  QUESTIONS