davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime (FL)

The SUV loan that I am paying  for via Drive Time/   XXXX   XXXX  is Ridiculous. I purchased a   XXXX    XXXX   XXXX  from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since  XXXX . The over loan for the car is  XXXX  and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I  know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NV)

On approx. XXXX XXXX XXXX I received XXXX different credit cards from XXXX Rewards, ( Chase bank ) which I did not request or apply for. I was shocked. I called Chase immediately and was transfered to fraud detection. I was then told by them that they had actually issued XXXX credit cards in my name. Each of these cards had fees attached to them which I refused to pay. I also told them they must cancel these cards. This was clearly not a big surprise to the people at Chase. I believe this was done intentionally to force these cards upon me. They agreed to cancel the cards and told me I would have to contact the credit bureaus myself which I did. I do not know if this was a fraud by someone else but I doubt it. Why would a thief issue the credit card to my address? Please investigate Chase as I believe they may be doing the same thing XXXX XXXX has been doing. Thank you
Consumer complaint received 2016-09-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (IL)

I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute
Consumer complaint received 2015-11-30
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Neon Newco Corporation (TX)

The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX
Consumer complaint received 2017-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (FL)

On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.
Consumer complaint received 2017-02-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (VA)

I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX XXXX.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

In XXXX, Wells Fargo froze my checking accounts for no valid reason without notice. I could not fix the problem over the phone as they refused to help. 

As a XXXX person with low visibilty, I was forced to get a ride and go into a Wells Fargo location to deal with the issue. I was at that location for 6 hours to get the account unfrozen. I live in pain and this was more than difficult for me. 

Well Fargo never told my why the account was frozen for no reason. 

Only six months after finally unfreezing my account, Wells Fargo closed my account without any notice in XX/XX/XXXX. I once again had to get a ride to go to the local branch in person to get my money out and they made it very difficult and it took another 7 hours. I was forced to spend a week as a XXXX person to open a new account elsewhere for my direct deposits for XXXX. 

Again they did not tell me why they closed the account. 

I am aware the XXXX has levied XXXX XXXX for many fraud activities by Wells Fargo for freezing and closing accounts for no reason. 

I called Wells Fargo today and they refuse to file this claim.
Consumer complaint received 2016-10-05
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (IL)

After 10 business days after filing my claim with Netspend they determined that there were " No Errors " The claim was for XXXX spent while I was incapacitated and the card was not in my possession and I provided proof to XXXX . I find it impossible to make a determination I 'm 10 days, I feel that the problem is the amount of the claim, that they have a problem with, after several attempts to call them, I get hung up on or am on hold for 10 minutes or more and have even talked to someone in the corporate office and they have even made notes on my account that Ithey spoke with me on XXXX/XXXX/2016, when in fact they did not.
Consumer complaint received 2016-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VT)

I consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.
Consumer complaint received 2016-08-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. 

The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.
Consumer complaint received 2017-01-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NE)

Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.
Consumer complaint received 2016-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe XXXX.
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (IL)

Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (PR)

On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NH)

I have FedLoan Servicing who has been nothing but problematic in regards to handling my loans. They do n't answer questions, they do n't respond to questions I submit via email, and their documentation is less than adequate in explaining anything. I do n't feel comfortable with them at all. Over the past month I 've submitted multiple times via email about a question I have and have asked over and over for someone to call me. Nobody ever does. I also am supposed to get help from a FedLoan Borrower Advocate who never responds to phone calls or emails. His name is XXXX XXXX and his phone number is XXXX. I have repeatedly asked him to call me and answer questions without any response. I am very unhappy with this company. I feel as though it is not legal for them to not respond to repeated requests for help. I want a new servicer or someone who will responds to my questions, emails, and phone calls who is reliable and knowledgabe. That is the very least that this company should do as a servicer to the federal governement and department of education.
Consumer complaint received 2016-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

On XX/XX/23 I made a deposit for {$660.00} into my XXXX XXXX account held by Customers Bank XXXX I was informed that my deposit would be placed on an exception hold and the reason stated was : Confidential information that the check may not be paid. 

The check was in fact cleared XX/XX/23. The funds were not made available until XX/XX/23. 

My issue is the nature of the " confidential information ''. I have been with this bank for over a year, maintained a minimum balance of over XXXX and have not had any history of returned deposited items or NSF. This simply seems like a tactic to not make funds available with no real reason for an exception hold. What I'm asking for is an explanation of the nature of the confidential information that prompted this action.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (WA)

I use Credit Karma to keep an aprized of all action on my credit. Through Credit Karma I was offered a Pre-Approved XXXX I applied, and got an approval within less than XXXX seconds. I have allways understood that pre-approved things ussually do not result in a Hard Inquiry. Well they must have done XXXX in less than XXXX seconds. The next morning I checked my score on Credit Karma. My score had dropped XXXX points for XXXX, and XXXX points for XXXX. I do not recall giving permission to run a hard-inquiry, and everywhere I looked, a hard inquiry should only cost me XXXX points. Not nearly XXXX. I had just lost another XXXX points over not renewing a XXXX acount. I had 10 years of XXXX XXXX with XXXX. 10 years ago, it was only XXXX XXXX, Now it is an XXXX, XXXX, and XXXX XXXX XXXX, with yearly dues, high-interest, inadaquet reporting to credit agencies. Since I owed no money, I decided NOT to renew or Upgrade my card. The next day, all 10 years of credit history was gone, as well as XXXX points to XXXX XXXX, etc. I had a credit score in the middle XXXX, for which I needed to get an apartment. Now, over XXXX points later, I cant get approved for XXXX. This is ridiculous. I pay all my bills on time, phone, cable, yet none of that counts. These companies have not a care in the world, ruining peoples lives. They allways try and blame someone else. Credit-Karma, then, XXXX XXXX. I would be happy with just the XXXX points taken. Why am I an exception for every rule these companies themselves make? 
The XXXX date I do have is XX/XX/XXXX. That is the day that my XXXX, and XXXX points were taken by the XXXX XXXX. XXXX Score XXXX was used. That is mostly what I have. Oh yeah, the credit companies told me on the phone to take it up with Credit-Karma and XXXX. Credit Karma told me to take it up with the XXXX Agencies. Both XXXX XXXX and XXXX XXXX have yet to reply after more than XXXX e-mails to their XXXX resolution Department. What else can I do but complain to you, and keep on living in a mold-infested apartment for XXXX years while I gain it all back?
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (FL)

It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (CO)

In XX/XX/2022 I purchased a computer device for {$5300.00} using my Discover credit card through XXXX. The computer arrived defective, so the seller promised to fix it. I sent it back to them to fix and then the seller claimed they never received the money from Discover. As a result I don't have the computer and Discover still charged me this amount plus a bunch of late fees. I have been disputing this with them since XXXX this year. Now they ruined my credit score and I can't buy a house. Please, help ASAP. I never had in the past, nor have any debt now, my credit score is supposed to be perfect. I have all the proof and documentation, please, let me know if you want to see it. 
I already filed the report with you, Discover replied with a bunch of lies and you closed the case without notifying me or letting me provide all the proof. Now you owe me an explanation why I should pay for the item I have not received and how are they allowed to ruin my perfect credit report after trying to steal money from me.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

I asked city bank for hardship modification because i was going over some family problems. i was approved around XX/XX/XXXX, but when it came time to make my monthly payments i was instructed by a city bank representative that i had to do my payments online and that it was the only way to make a payment. i will call several times every month to make a payment but the only only answer that i would get from the representative was follow the instructions online which i did but nothing would work. I let the representative know about my problems but their only advice was there is nothing we can do and keep following the instructions. I have never denied my self in making a monthly payment, but city financial does not want to take my payments except on line. I received a letter from XXXX XXXX XXXX/XXXX/XXXX Homeowner support specialist which i have been trying to contact since without luck. on XXXX/XXXX/XXXX i received a Foreclosure in process statement for lack of payments. city bank would not take into consideration that i was approved for hardship modification loan. city bank does not want to work with me.
Consumer complaint received 2015-09-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (AZ)

I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. 
I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, continues to print the full credit card account number on its paper statements that are mailed monthly. All other creditors that I do business with mask the credit card number on both paper and electronic statements. Since mail theft is on the rise, and I was recently the victim of mail theft, this poses a high security risk. A phone call to XXXX XXXX credit department yielded no solution. I would like to ask XXXX XXXX to desist this practice as other creditors have done so.
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WI)

XXXX has repeated contracted debt collectors to collect payment for an electric bill from me. I have never lived in Texas and obviously do not owe money to a power company there. I have denied the debt multiple times and have asked XXXX XXXX to cease contacting me about this. In 2014 they apparently had credit agencies add that TX address added to my credit history. I had to report the error to have it removed. We just received another letter from a collection agency trying to collect.