davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I called a couple dozen loan companies to find Refinance rates XX/XX/2015. Not as single company was given my social security number. When I filled out forms I NEVER gave my social security number or authorized any credit checks. Quicken Loans was the ONLY company to run a credit check & they ran a " Hard Credit '' check. I have screen shots from filling out there form that show diffinatively I never gave them my SSN & the form specifically says they are NOT authorized to run a check. On XX/XX/XXXX I saw a " Hard Inquiry '' was run by Quicken Loans. On XXXX XXXX, 2015 I logged on to XXXX ( Quicken loans web site ) to confirm they did not have my SSN. I have a screen shot of the form that shows that they were never given my XXXX. At first they said they ran no credit check. Then they said they ran a check and that I authorized it. Then they deleted me from XXXX and said they did n't run a credit check. In the end they said I ran a credit check and I authorized it. THE SCREEN SHOT PROVES THEY WERE NEVER GIVEN MY SSN. They took the information I provided and STOLE MY SSN and then ran a " Hard Inquiry ''. I reported all this to the credit reporting agency " XXXX XXXX '' and gave them the screen shot proving my SSN was stolen. And the screen shot also says I was not authorizing a credit check!!! XXXX XXXX, which appears to be a branch of Quicken Loans, said I gave " implied concent '' even though the screen shot specifically says the opposite. Quicken Loans stole my SSN. I have provided a list of all the executives I spoke to and there numbers. I tried for over a month to get them to correct it, even sending them the screen shots. They claim now that my MyQL.com account was deleted by accident. This " accidental deletion '' occured on or about XXXX XXXX, 2015. The executives at Quicken Loan are clearly covering this up at the highest level as only they could have there IT person delete me. They deleted me before they were notified by me that I had a screen shot already that proved what they did and that they stole my SSN and ran an unauthorized credit check. Even in the face of this evidence they are now saying I authorized the " hard inquiry ''. I authorized no inquiry of any kind and this is proven by the screen shot. I do n't know for sure how they got my SSN but I suspect that their credit agency, XXXX XXXX, stole it for them and then they used it to run a " Hard Inquiry ''. Again, I inquired with about XXXX dozen other companies at the same time period about their rates thriough online forms and over the phone and not a single other company ran a credit check because I NEVER GIVE OUT MY SSN!!! My fiance, XXXX XXXX, has the screen shot and emails sent to those involved on our home computer and can send the proof right away if you call him at XXXX or you can call me, XXXX XXXX at XXXX and I will have him email you the proof from my email address.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (AZ)

My balance have not changed since 2012 ... never missed a payment until recently due to medical issues. I 'm currently on XXXX and trying to work with them. I have XXXX with XXXX and they threaten to get the car. My interest is too high and I 've been struggling to make payments. Is it legal to take money and no change in balance?
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

CFPB case # XXXX XXXX weeks and no response. See attached letter When looking side by side at our original check dated XX/XX/XXXX sent by us in good faith before due date on XX/XX/XXXX per CITI stmt and what CITI transposed and submitted incorrectly, it is clear their end made an error causing the bank check to bounce twice. The check # was NOT XXXX like CITI input but was # XXXX so this was NOT my fault or my credit unions fault. 

On XX/XX/XXXX, I have made arrangements with my credit union to stop pmt on the original check and the funds are in my account but I will go no further until resolution fair to me is reached.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (MO)

In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending (GA)

This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help
Consumer complaint received 2017-03-06
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (OH)

I have never had a credit card before and whenever I apply for a student card I am always denied. The company did not send me a letter or email regarding the reasons why I was denied a credit card. I have a fairly large amount of money in my savings account but the companies do not even ask for the amount that you currently have. They ask for the gross income amount. Most college students do not have a permanent job and are mostly seasonal employees. I do not see what the issue is with my current financial information given to them. I even contacted a credit report company to see if something is wrong with my credit score even though I 've never had a credit card.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (PA)

I have been making on-time payments in good credit standing with Value city for over a year. 
Last month they re-ran my credit score and based off that, they lowered by credit limit, XXXX my score went down because I just purchased my home in XXXX 2015. My issue is since they did that it has negatively affected my credit score because now I am using 77 % of my credit limit since the limit was decreased, where before I was at 67 %. Credit limit greatly affects your credit score. Not only did this do nothing for me but create negativity to my credit score, I am still making on-time payments and a great customer. They do not care how they affect people and the great customers they have.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (DC)

over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit (FL)

On XX/XX/XXXX at approximately XXXX I received a call from a gentleman with a foreign accent informing me he was calling me to collect a debt from XXXX of which I have no clue what he is referring to. He controlled the entire conversation, and was very rude. Every time I would try and say something he would over talk me until I had enough and finally raised my voice and told him that since he wouldn't let me talk the conversation is over and I hung up. He immediately called me back asking for me for my current mailing address. Mind you I don't know who this guy is or what he is talking about and I'm not about to give out my info, the address he had was my old address. I did give him my email and he sent me a debt collection for a card totaling over $ 11K+ My credit back in XXXX didn't warrant a card with that much credit. The info of the debt collection says the current balance is {$11000.00} but would settle for a single payment {$1200.00} if payed by XX/XX/XXXX and if not payed by that date they will pursue for the full amount. Again, they are talking about a card debt I don't know anything about from 12 years ago that I haven't heard a peep about ever.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (VA)

I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: SYNCHRONY FINANCIAL (TX)

The complaint that I have is with SYNCB/WALMAR. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/WALMAR. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (FL)

I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (AL)

I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

There were dispute comments within my report that I had initiated. I would like to have MY comments removed from my report, and Experian is refusing to do such. They state that it is now up to the creditor to remove XXXX initiated comments. The creditor had nothing to do with these comments, so I 'm failing to see the logic in why they would need to be the ones to remove those comments.
Consumer complaint received 2016-08-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (NY)

I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

Our home loan was sold to a company called Seterus. It has been over XXXX months and I have not been allowed to speak to anyone about my loan and it has been nearly impossible to make a payment. We are in bankruptcy and they said they would need a letter from my attorney authorizing them to speak to me about my loan. That letter has been provided XXXX times to them. I then received a letter from my home insurance company ( XXXX ) stating that the insurance escrow had not been paid to them. I have spent countless hours trying to speak to Seterus and they continue to tell me that they can not speak to me. My home is on the verge of being uninsured and I am at wits end. In order to pay my house payment I finally had to go to the bank and get a pre-paid bank check to send to them. I am very frustrated and do n't know how to move forward with Seterus. Any help you can provide would be greatly appreciated.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

My credit score has been improving and I have been paying down my debts. This month, Equifax lowered my FICO score XXXX points, down to XXXX. This is confusing and suspicious as I can not find a logical reason for my score decreasing such a large number. I believe Equifax perhaps incorrectly reported my FICO score and instead of increasing it to XXXX, they accidently decreased it to XXXX. XXXX is reporting my FICO this month at XXXX and there 's no reason why Equifax 's score should be underreported so low.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information.