davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (AZ)

I set up an account on XXXX to find a lender to purchase my first home. XXXX provided a small number of lenders that offered low interest rate that were generated from a soft inquiry of my credit report. Quicken Loans contacted me to see if i would be interest in using them as my lender of choice. I told XXXX XXXX the representative that i was using a down-payment i was granted by XXXX XXXX of {$15000.00} and was only! looking for a lender that accepted the grant ... and I only! wanted to know if Quicken loans was compatible and accepted this grant. he was unsure and stated he would check and get back to me but that he would also set up an online account for me to view other programs that they offer for first time buyers. he confirmed the last XXXX of my ssn to confirm my identity which he had from the XXXX lead. next day i check my XXXX account and i have a hard hit from quicken loans.. i was never inform nor did i authorize for them to run a report i only wanted information on them being able to accept the XXXX grant . i left an voicemail with the supervisor XXXX immediately. XXXX called and left a voicemail apologizing and said he reviewed the call recording and i was in fact correct that i was not informed and i did not authorize the report to be drawn.. and that they take this very seriously and will contact the bureau to dispute the report screen since it effected my score lowering it significantly! next day an exceutive of quicken loans calls me to say he reviewed the call and that they will not dispute the inquiry and that it was justified ... even after the supervisor who reviewed the recorded call said it was in fact faulted..
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.
Consumer complaint received 2016-05-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (MI)

I applied for a in school deferment a couple of months ago. I called to check the status of the difirment because it was time for a payment and I have automatic draft. The rep. Stated the difirment was on the account and all the information was in that was needed. She told me that she would cancel any future automatic drafts this was in XXXX. On XXXX XXXX another payment was taken out. That Friday I called and spoke with another rep who said she wold cancel the automatic draft and have someone call me back to refund my money and that someone from that department would call me Monday or Tuesday. Today by XXXX I did not receive any calls so I called once again because I was not able to make payments on another bill because this money had been taken out. The rep today explained the automatic payment was not canceled again and tha the difirment has not been accepted. I was very upset and needed to calm down and did not want to take it out on the rep on the phone. She gave me a number to call a supervisor.
Consumer complaint received 2017-03-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (MD)

I took a loan out with this company for {$400.00} in XX/XX/XXXX. Upon review of my loan documents, I did not realize that this company is charging me an annual percentage rate of XXXX % which is XXXX % per month. I also checked the MD Office of the XXXX of XXXX database to see if this lender is a licensed payday loan lender in the state of Maryland and they did not come up as a licensed lender. Also according to the website, " payday loans '' and other small consumer loans are generally subject to interest rate limitations under Maryland law. For loans under {$6000.00}, the maximum allowable annual rate is XXXX %, though loans under {$2000.00} may have a rate up to XXXX % based on a scale specified in the statute ( statute that governs this is MD Code Annotated Commerical Law 12-306 ). See http : //www.dllr.state.md.us/finance/consumers/comppayday.shtml According to the loan documents ( as attached ), by the time I pay the loan according to their payment plan, I will be paying {$3700.00} which is almost ten times as much as the original loan of {$400.00}.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (FL)

I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

My name is XXXX XXXX, I have been a victim of identity theft and now I there is. Collection in my name from XXXX for XXXX and I need that to be removed from my credit because its affecting me in many ways. 
Thank you in advance and I hope this issue can be resolved
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MD)

Discover Card has inaccurately reported to XXXX, XXXX, and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with Discover card on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted Discover they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either Discover Card is not responding to the disputes or they are providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and Discover was contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white, I do not have a late payment in XX/XX/XXXX yet they are reporting it late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DE)

On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (FL)

I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.
Consumer complaint received 2017-01-23
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX. My problem started with Wells Fargo around XXXX when creditors would debit my account and the fund weren't available Wells Fargo allowed the attempted debits to continue charging my overdrafts fees ( {$37.00} ) with every debit attempt after my paychecks were directly deposited I would have nothing left I recall having to go into my retirement to pay the rent
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

After initial contact, I asked the originator if they had financial products that fit my situation. Specifically, I was looking for a low down payment jumbo ( over $ XXXX ) loans ( non-FHA ). His response was that they have loans with the down-payment as low as XXXX % that are non FHA loans. However, after a hard credit pull it turned out they do n't anything like that. They only offer conforming ( under $ XXXX ) loans with % XXXX down-payment or Jumbo with XXXX % down-payment. 
After all the lies, my XXXX credit score took a hit for nothing.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I have a first mortgage with XXXX Bank XXXX XXXX as trustee which mortgage is being serviced by Nationstar Mortgage. In growing my business, I incurred large start up costs which caused me to fall behind on my mortgage payments. I recently made a good faith proposal to get my loan reinstated within a period of XXXX to 7 months. This proposal included a significant lump sum payment with large monthly payments which I offered to have automatically withdrawn from my account and with a lump sum payment to pay any remaining arrearage after XXXX to 7 months. My offer was turned down and the bank made a counteroffer which would require an even higher initial payment and monthly payments higher than I could in good faith commit to. I feel that I am not being treated fairly by my lender despite my good faith efforts to bring my account current in the not too distant future.
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

Problem : Mortgage was satisfied about 30 years ago. The title company found that Citibank did not do what ever they are suppose to do to be removed as a source of lien or other encumbrances Address of Mortgaged property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Mortgage Statement : account : XXXX Address statement sent to : XXXX XXXX XXXX, XXXX XXXX, ny XXXX Person on statement ( me ) XXXX XXXX XXXX Date of statement : XXXX. 
I recently called XXXX XXXX at : XXXX They informed me the only way to proceed is to fax my issues and documentation to : XXXX I have faxed them 3 times in about 20 days and have not received any emails or calls from them. 
I called Citibank again yesterday and was told my only recourse is to fax them again ( which i did ). To date, no one has contacted me about my problem. The mortgage was satisfied in full about 30 years ago, but now that I want to sell my condo, i have discovered their failure to remove themselves from having anything to do with it. 
I am hoping that filing this complaint will get someone at Citibank to take some action to removing themselves before i have to hire an attorney to go after them for reimbursement should i loose the sale deal. 
Best of Regards and Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I received a letter in the mail regarding a collections debt to XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX so I called them to ask why I was receiving this letter. They told me not to worry since the account opened had an address I have never been a resident of and that it should clear up by itself. This was not the case, because a few days ago on XX/XX/XXXX, I was checking my credit and noticed my excellent credit was now fair because there was a derogatory mark against me due to a collection for {$310.00} owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was on the phone with XXXX different people who kept transferring me to different departments. Finally, I reached a XXXX person who gave me the street name and the account # that was opened fraudulently in my name, and advised me to go to XXXX. I went to the website and was then sent an email giving me 21 days to fax or mail them proof of identity and proof of residency during the time of this account being opened. The paperwork is very confusing and I am trying to figure it out with help from others. I am in the process of going to the police to file a report and faxing the documents they are asking for. I also contacted XXXX and they said that they need paperwork from XXXX XXXX XXXX stating that the account in question was not mine, before they clear the collection from my credit report.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

I was charged on for the purchase of male enhancement vitamins and other products. 
I contacted my bank and they refunded the funds but also initiated a dispute. The " other '' company, sent several pages over to Bank of the West which had all of my personal and bank information. They did not have my XXXX #. They confirmed that I did order the products so the bank deducted the funds again I was out of town when this purchase was made so if items were shipped, I wouldn't have been home to retrieve and I never received any type of notification about the purchase. I did not request said items. I went ahead and filed a complaint with State of Florida XXXX. They investigated as well. The company was hard to track as they didn't have a website, email address or phone #. The physical address was for a warehouse in Florida. This is the response from XXXX : " Complaint ID # : XXXX Business Name : Full Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  has made several attempts to contact the business regarding the above referenced complaint. We regret to inform you that we have not receive a response. 

The deductions were as follows : XX/XX/2XXXX XXXXXXXX company - XXXX XXXX XXXX FL on XXXX XX/XX/21 {$89000.00} company - GetJAVIProductscom Tel XXXX FL XXXX These amounts were withdrawn using my debit ending # XXXX. I have since replaced this card. This was a scam. I have never used any of these companies for purchases and I would never buy from a company that doesn't have a website, email or phone #. 
Thank you for your time and hope this can be resolved and my I can get a refunds.
Consumer complaint received 2017-03-22
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.