davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I checked and my credit and saw an unknown account i immediately sent them a registered letter requesting a copy of a contract or my signature. Took 63 days for them to respond and the only information i received was my name, my last 4 ssn and an amount, i called the number they provided and ask them to provide proof this was my account. They said they do not have a contract with me and when i said then i want this removed from my credit bureau immediately due to the FCRA .They at this point got really angry and began to yell. They will not provide me or the bureaus with anything other than this one page. Please help me! the company is Portfolio recovery
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA  you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NV)

We contacted the bank and gave them the following information : There was {$4500.00} charge that we put on a credit card for a rate lock at the end of   XX/XX/XXXX that  was not shown as a fee paid on the debit side of the closing statement. We understand we were credited for it, however if this is added to the debit side the remaining amount of  the Capital con tribution to HOA fees would have been reduced to {$1100.00} and our due from buyer amount reduced to {$220000.00}. Total debits should equal {$14000.00} vs. the {$10000.00} noted on the closing statement and the credit amount would show at {$15000.00}.   I will anticipate your reconcilement and answer to my question re : why the {$4500.00} is not shown on the settlement statement ASAP, and why the closing estimate YOU ( EverBank  ) pr ovided us that we had to sign states Cash to Close from Borrower {$210000.00} vs what is on the   XXXX   XXXX    XXXX  Statement of {$220000.00}.  <P/> We contacted the Bank in an attempt to reconcile this prior to closing our loan on  XX/XX/XXXX . We did not receive a response from the loan officer, rather an email receipt that the email was not read, however, we did hear from his boss, and we were told yes, he agreed, this issue has come up before and was resolved in the buyer 's favor, however, the accounting department of the bank said that this is just " how they do things '', and it was not resolved. We believe we overpaid due from buyer {$4500.00}.  <P/> Please note : this i s one of many, many problems we encountered with EverBank in their unprofessional, misleading,  and deceptive loan process. Some of the issues were : - Incorrect title on documents that had to be corrected prior to signing - In accurate appraisal with lack of details,  XXXX  square footage left off of overall square footage, and when questioned, we were told " that is the way they do it '', even though the seller and our realtor questioned also - Incorrect evidence of credit card disputes - Misquoted escrow fees that had to be adjusted - Requirement to submit tax returns prior to  XX/XX/XXXX  in order for them to verify or " loan may not close on time '' - Requested information was questioned, they responded " jus do what we say '' - Misquoting regulatory guidance, specifically  Dodd Frank, when the " requirement '' was their policy, not Dodd Frank - Total lack of understanding o f accounting for a small business - Unreasonable ongoing requests from underwriter - numerous, numerous requests when all information provided, on several occasions - Total lack of knowledge of Professional Employment Organizations that small businesses use - EverBank told us that if we put the down payment in their account, they could merely transfer the funds at closing. This was not true. When it came down to it, we still had to wire the funds. Again, deceptive, confusing, uninformed information given to the consumer.  <P/> Shall we file separate claims on each of these items?
Consumer complaint received 2017-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (PA)

I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.
Consumer complaint received 2017-06-19
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: ALLY FINANCIAL INC. (GA)

On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX  filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my  XXXX  credit reports. I 've already reached out to them directly but to no success.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A. (OH)

This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.
Consumer complaint received 2017-06-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, Experian and XXXX  ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, Experian and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Consumer complaint received 2017-06-21
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. (NV)

I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and XXXX from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NJ)

Every transaction i make gets detucted right away but it would still show pending for a couple of days and sometimes i would need it to finish to process some other stuff, and the over draft fees gets charged a day after the over draft happens, and most of the time I do n't see that my account has an over draft and would see it after the over drafting happens