davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

On Monday, XX/XX/2021, XXXX XXXX of XXXX XXXX, XXXX provided me with a pre-approval of an investment property at 20 % down payment / 80 % loan of purchase price. Throughout the process, we have asked XXXX whether 20 % down is viable given we heard from friends that investment properties now require 25 % down, and he has promised multiple times that it was within guidelines. 

On XX/XX/2021, after having our offer accepted, I had done my own research to verify the information that XXXX had communicated to ensure my mortgage is within guidelines. To my horror, after just minutes of reading XXXX searches, I discovered that Fannie Mae and Freddie Mac guidelines specifically ask for 25 % down for investment properties. I believe it was raised from 20 % due to COVID and increased risks. I then immediately call the branch manager, XXXX XXXX to discuss whether my case is valid. He was unsure and had to get back to me. After this, I had reached out to XXXX via email to confirm once again, whether 20 % down for investment property ( 2 Units ) is viable and he confirmed in writing I am " Approve/Eligible for a 20 % down payment. '' I then had to copy XXXX on that email and moments later, my husband received a call from XXXX XXXX that he " XXXX XXXX XXXX XXXX '' and we need 25 %. 

This is a severe level of incompetency among licensed professionals from origination to management level. Both XXXX and XXXX are not kept up to date on required originating & underwriting guidelines and in my case, irresponsibly provided an unqualified candidate with a preapproval. Even after numerous attempts by me to question and verify my case. This is extremely concerning for the community and the NJ residents that may have the misfortune to work with them. If I can get more accurate information within minutes of research, and I have to question licensed professionals multiple times on their field of expertise to get wrong answers, I don't think these people are qualified to do their jobs.
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi. I need some help. I was the victim of identity theft a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a checking account at Bank of America. I also have an XXXX XXXX XXXX   with Bank of America. I authorized funds to be transfered electronically from my checking account to my XXXX XXXX XXXX on XX/XX/20. The funds were withdrawn from my checking account and deposited to my XXXX account on XX/XX/20. The online statements reflect both debit and credit transactions respectively, yet the funds are now not available for use in either accounts. 

After contacting my XXXX account representative, he acknowledged having recieved my electronic deposit from Bank of America, but I was told their banking policy governing fraud would not allow funds to be released for my use until a 10-day holding period had been reached. 

This is wrong. They are hold my funds not for fraud prevention, but for the purposes of investing it in the XXXX market. Banks refer to this scheme as " interest float income '' and it's actually a line item in their income statements -- and not an insignficant one. The interest on billions of $ s of deposited checks is substantial, even if it's only for 3 or 4 days at a time. 

In any case, I thought there were regulations specifically limiting the number of days a hold is allowed.
Consumer complaint received 2020-09-01
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. (MI)

I am disputing Experian cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/2020, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with experian and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.
Consumer complaint received 2020-07-17
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$0.00}, {$28000.00}, {$81.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- REAL ESTATE LOAN XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not my account.
Consumer complaint received 2020-07-01
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible XXXX XXXX XXXX {$25000.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-07-17
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I have been disputing several charges from XXXX that were charged to my Discover card starting in XX/XX/XXXX and XX/XX/XXXX. The charges are as follows : {$920.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$710.00} XX/XX/XXXX These charges I have been disputing since XX/XX/XXXX and again in XX/XX/XXXX and both time Discover has sided with Hotels.com. I then turned my attention directly with Hotels.com and received several emails from them saying they tried to refund my card but the hotel didn't authorize and then they also stated that I should take that issue up with my credit card company as they can't do anything further for me. The documents that XXXX submitted to Discover were print outs of the reservations one with a ales name that I am not associated with and the documents didn't have my signature. They also submitted a copy of my XXXX picture with documents to state that it was valid. It is not and I am sick and tired of this. I love my Discover card but this is wrong on many levels. I feel robbed. I am attaching the emails and also copies of charges that hotels.com made to another credit card without my authorization. I have had my personal information stolen previous to this and now I can't get this corrected. I shouldn't have to pay for anything that I didn't authorize. I have attached all my supporting documents.
Consumer complaint received 2021-02-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To XXXX, XXXX and TransUnion-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, XXXX, TransUnion. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.
Consumer complaint received 2021-11-04
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: Nelnet, Inc. (MN)

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

I have a loan with NELNET LNS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} XXXX NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-07-18
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX AMT :  {$760.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} XXXXXXXX XXXX XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Financial Debt Services, LLC (WI)

XX/XX/XXXX @ XXXX XXXX I was called by a debt consolidation company that claimed they would lower my credit cards interest. They called from XXXX. Our phone number has been on the XXXX no call list since XX/XX/XXXX, verified. They are using cells and burner cells to call me. We have no consumer debt. 
I asked for the companies : name and address and was told no and they hung up.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX REMOVED.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NC)

We have had our morgage with SN Servicing Corporation for many years. We have always made our payments and never had any problems. We went to make this months payment online and can not connect to their website no matter what device or internet browser we try so we try calling them and every phone number we have tried is disconnected. We have recieved no information about any changes to their business or contact information. I have tried emailing 3 times with no responces. Our house payment for this month is now past due and we still can't pay it or contact anyone.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (MS)

On XX/XX/20, I received van email from XXXX XXXX that I had a new hard inquiry on my XXXX credit report by Tower Loan, XXXX, MS . I did not give request or give permission. I phoned XXXX  to have it removed and they said Tower Loan needed to contact them to have the hard inquiry removed. I phoned Tower Loan and was told they couldnt reach me by phone and thats what lead them up to doing the hard inquiry. They stated they did it to find out if was woukd be able to make my monthly payments. I suggested sending me a letter rather than trying to ruin/damage my credit.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has this information on Personal Information wrong as of XX/XX/2017 The rest is right Address That show on this report wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX WRONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) ZIP CODE IS IN WASHIGTON XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALL WRONG ADDRESS NOT MY ADDRESS INFORMATION WRONG TELEPHONE # ALL CORRECT EMPLOYMENT DATA REPORTED : CORRECT AS OF THE REPORT MAIL TO ME XX/XX/2017 FILE # XXXX