davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I applied for a Home Loan online through Navy Federal Credit Union. Prior to applying to this loan I also applied for a loan through another financial institution. When I was called by the Loan Broker I was at work but she didnt seem to care and wanted information at that moment. I called my wife on a 3 way call so she could provide the info because at my job I can not talk and the Loan Officer was being quite rude and demanding.

She was asking about our down payment, income all standard questions. But it was manner in which she was asking. She was nasty, badgering and very discriminatory. How much money you have? What else? Thats All? Hmm not sure what I can do. What are you trying to get? Hmmph ... Do you have more income? A bigger down payment etc etc My wife mentioned that on the website it stated that the loans had no down payment. She immediately said we wouldnt qualify and didn't say why. Then my wife stated what if we got iur own down payment she said " nope not with Navy ''. Her tone wasnt of a Agent trying to assist with a home purchase. 
She finally said maybe she could offer {$150000.00} ... We were baffled.. Maybe??? Was this a game or business transaction. The irony was were approved for XXXX before this transaction as well as a few months ago. So we found a huge disparity in the number she provided. Furthermore we got a denial letter in the mail that citied a XXXX credit school with serious delinquency etc but then it states ***NO DEROGATORY INFO FOUND IN THE FILE. Also it states Excessive obligations in relation to income. Can they please prove this. My income pays rent. I have no debt in my name. No student loans, car notes, child support etc. 

When we pull the report there is no derogatory info there. So why was our loan denied? We cant prove it but our voices and names are distinctively XXXX. And from the moment the Loan Officer came on the phone she was rude was unprofessional.
Consumer complaint received 2018-02-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Home Point Financial Corporation (WA)

I'm attempting to payoff a loan with Home Point Financial Corporation. Even though I have paid off virtually the entire loan except for perhaps XXXX cents of interest that might be due, when I called Home Point Financial Corporation today, I was told that I owed my usual monthly payment of {$2600.00}. I paid almost the entire loan through debit payments from my checking account. For some unfathomable reason, this business insisted that I couldn't make the payoff amount of {$88.00} effective throughXX/XX/XXXXby debiting it from my bank account, which I had done to pay off the rest of the original {$390000.00} loan. They offered two inconvenient options. One option was to wire the money, which would cost me a {$25.00} wiring fee. The second one was to mail certified funds, and try to estimate the interest to anticipated day of receipt of mail. On XX/XX/, I mailed a money order in the amount of {$88.00} ( {$88.00} plus {$0.00} to cover 5 days of interest beyond the loan payoff effective date of XX/XX/ ) and the post office estimated that mail would be delivered XX/XX/. I included interest to cover delivery delayed until XX/XX/. Unfortunately, delivery was delayed until XX/XX/. I spoke with a supervisor named XXXX XXXX on XX/XX/, and she stated she would help me make the payment by phone if I call back on XX/XX/ or XX/XX/. I called back today. The customer service representative ( XXXX ) hung up on me after a 30 minute phone call without getting me through to XXXX 's voice mail, and the second time, after waiting for almost half an hour, he proceeded to continue to argue with me and then after a delay of another 10 minutes, forwarded me to the wrong voicemail ( someone named XXXX ). XXXX did confirm that a money order payment of {$88.00} was received on Friday, XX/XX/. I would like to pay whatever amount I might owe at this time ( probably XXXX  cents based on the daily per diem and the fact that I only included XXXX cents of per diem interest to cover delivery until XX/XX/ and delivery actually occurred on XX/XX/ ), and I would like to do this by debiting it from my bank account as I have done to payoff virtually the entire loan. I don't understand why this business doesn't allow this option as it guarantees timely delivery of payment unlike mailing the payment and also doesn't require an extra {$25.00} payment as would be required for wiring the funds. I have paid off a car loan by debiting the payoff amount from my checking account. My student loans can also be paid off by debiting the payment from my checking account.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc. (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX is reporting inaccurate information on A.R.M. SOLUTIONS, INC. ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NV)

I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 2 hard credit inquiries from XXXX on my credit report. I am unaware of this as I do not and have never had an account with them. When I called the bank, they asked for my social and had an available credit Under my social security number but a different name was on the account.
Consumer complaint received 2018-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX in XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from Toyota Financial for {$400.00}. I called Toyota to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that Toyota did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from Toyota ( letter attached ). I have emailed Toyota through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from Toyota or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting Toyota to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX XXXX XXXX XXXX ( XXXX ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (AZ)

Sir/Madam : I had requested & was provided a FHA Partial Claim. I signed & had notarized, and returned the Claim as required. Home Point Financial then had it legitimately recorded by my County of residence in XX/XX/2020 ( see attached FHA Partial Claim PDF ) Now I am being told that Home Point Financial did not follow through with the Lien Holder, HUD and it's apparent they received no money in exchange for covering the 3 deferred payments I was granted. 

I was not informed of their reckless actions by Home Point Financial themselves, but by the new mortgage servicer, XXXX Mortgage, who was never informed by Home Point Financial of the recorded Partial Claim. 

Home Point Financial should either : A ) Request the Lien be removed by the XXXX County recorder, or B ) Follow through with what was already agreed to in writing & remit monies to the new Mortgage Servicer, XXXX Mortgage. 

I strongly believe this matter should be taken very seriously. Filing a Lien, even though it was requested by the borrower, and never finishing the process, yet having it recorded by the County as a legitimate Lien institutes fraud on their behalf. 

Please forward this complaint to their respective department for a quick resolution. 

Thank you in advance. 
XXXX XXXX
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019 WF CRD SVC put lay payments on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when disputed the issue with a sales rep over the phone. They sent me a letter saying they reopened the account but never removed the late payments that were associated with the same issue. It just popped p on the other bureaus and has greatly lowered my score.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AL)

On XX/XX/2020, my vehicle was totaled. My insurance company has been trying to get a letter of guarantee for 3 weeks so that they can release a check to payoff the loan.

Requests have been mailed and faxed multiple times and no response is given from TD Auto Finance. 
I have attempted to call as well as my agent. Each time we get transferred around and have hold times in excess of an hour and still can not make contact with an actual person who can send this information. They won't speak with the agent because he is not on the loan. 

My agent and I finally got a representative who was supposed to be in the correct department but because we were on a 3 way call she stated she could not speak to us and hung up and was extremely rude. The customer service at this place is awful. I have never been late on a payment and have been an exceptional customer, and can't even get a letter of guarantee. If you are a company that originates and services auto loans, you should have a process for scenarios such as this. I can't be the first person that has had a car totaled out and needs a letter of guarantee. Can someone please help me get a letter of guarantee so we can get this issue closed out as soon as possible. My insurance company is literally waiting on you to issue a check. My account better not be reported late because your company can't figure out a process to answer customer calls and issue letters of guarantees in a timely fashion. I will never bank with this company again, EVER.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ACCOUNTS XXXX Balance Owed : {$620.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

These inquiry listed below on my report were not authorized. They have been reported to Federal Trade Commission. 
XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed information on my credit report with Experian and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents. 

XXXX XXXX XXXX XXXX has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names. 
Experian and XXXX  has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX  XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}