davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

A payment was made by the property management company handling my account on my behalf. The payment was made on XX/XX/XXXX. I was notified by my mortgage company that may payment had not been made and that I was going to have a negative mark on my credit if it was not resolved. 

I immediately reached out to my property manager who confirmed that the payment was made, and that the check was cashed by the mortgage company. In good faith they made a payment immediately and reached out to the mortgage company XX/XX/XXXX. Since then we have received the run around from the mortgage company, and have spent countless hours on hold, being told it is being looked into. They do acknowledge the check being received but at this time unable to locate where the funds are. We have talked to several supervisors, and each of them promise to get this resolved within 24-48 hours, and then they no longer return our calls. 

As of today XX/XX/XXXX, this issue has yet to be resolved, and we are no closer to this issue being taken care of.
Consumer complaint received 2018-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2018-01-23
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: CarMax, Inc. (AZ)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
Consumer complaint received 2018-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TX)

On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX  and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK (OR)

I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?
Consumer complaint received 2018-01-23
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: Santander Consumer USA Holdings Inc. (NY)

I am writing to dispute an accounts fraudulently opened in my name. The name of the account is Santander consumer USA. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Data Corporation (OR)

I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. 

In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. 

I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay me.
Consumer complaint received 2018-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Requestor ( myself ) : XXXX XXXX Contact : XXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Logged on to my Transunion account online. Tried to dispute a few accounts but when I got to the end to submit it, I got an error message that stated the accounts I was trying to dispute were not currently on my report. I 'm confused because if I am able to see the accounts and it gives me a dispute option then it must be on my credit report. Unless Transunion is not updating the correct information but its causing me to not be able to get a home. I need this to be fixed.
Consumer complaint received 2018-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
Consumer complaint received 2018-01-23
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (SC)

Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Blackhawk Network Holdings Inc. (GA)

I requested a new card with my previous address, was informed that my card was sent out on XX/XX/XXXX. 
Was told it takes 5 to 10 business days. 
Called in when I did not receive card, was told it was sent off on XX/XX/XXXX Today is the XX/XX/XXXXand still have not received card. 
Please address this matter A.S.A.P. 

Thank You XXXX XXXX
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (MS)

My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.
Consumer complaint received 2018-01-23
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I emailed Chase ( at provided address : XXXXXXXXXXXX ) to request reopen the dispute claim ID # XXXX for the transaction done on XX/XX/XXXX. Then Id called in several times to follow up and I always got advice that my request had been processing and I would be contacted if any further information needed. Also, on XX/XX/XXXX, I got a letter which dated on XX/XX/XXXX, confirmed that my request had been processing and well contact you if we need more information to dispute the charges. ( Please see attachment for details ). 
However, on XX/XX/XXXX, I called in again because no-one contacted me and now I got advice from Supervisor named XXXX XXXX XXXX that the disputed claim had been closed because there were no supported documents and if I wished to re-open the above dispute claim, I could email the supported documents with the narrative to request for re-opening which I did on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I received the letter ( please see the attachment for details ), which dated on XX/XX/XXXX, stated the above dispute claim were denied with the reason : a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your amount. The merchant is not required to credit your account because the charge took place too long ago. Then I called Chase Customer service, I got advice that the timeline allows for a transaction dispute is 3 billing cycles while the original transaction were on XX/XX/XXXX and my first requests for reopen the dispute claim were on XX/XX/XXXX, both were less than 60 days. Thus, the denial of crediting me {$6000.00} for the transaction on XX/XX/XXXX was not reasonable and not compliance with Chase dispute guideline. Even though I emailed Chase on XX/XX/XXXX to request for re-opening the above claim, but I also would like to send this letter to your department to ask for your attention because I want to make sure the request to be taken care properly and asking for expediting on the process of my request because I have been waiting for more than 30 days.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX