davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a Saks Fifth Avenue credit account today precisely because I wanted to make a {$4000.00} purchase on my first day to get 10 % off XXXX their promotion for new accounts ). This promotion would also allow me to make my large purchase with 12 months 0 % interest. I have excellent credit ( XXXX FICO score ) and earn {$200000.00} in annual salary. I was approved on the spot but capped at {$2500.00} which is EXTREMELY LOW. I called and requested a credit limit to {$5000.00} but was told I was denied. Theres no reason I shouldve been denied a {$5000.00} credit limit with my excellent credit worthiness. I feel this denial was discriminatory as I have a XXXX last name XXXX XXXX XXXX. This hasnt happened to me for the past several years with my high salary and high FICO score. I closed my account on principle with the representative who informed me my request was denied.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (NY)

I am a victim of identity theft. MY family and I are looking into purchasing a home and as you know credit is extremely important. I never took my credit seriously and barely checked it which is why I never knew that I was being violated on this level. I spoke to my lawyer and he explained that I should file a report with the Federal Trade Commission, which I have. Under section 605 b this accounts must be removed within 4 business days of receipt of this letter. Please help me as this is extremely unfair. My family and myself are counting on this. Thank you. The accounts are listed below.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

XXXX XXXX in XXXX XXXX, Texas sent me to collections for a bill that was already paid for. As a XXXX XXXX veteran, I was told that the bill was going to be covered under XXXX insurance. I told the billing department before any services were being used, that it needed to be covered in full by XXXX before I used their services. 6 months later, I was told that they would cover it and that they would call me back if anything changes. 4 months after that, I received a letter a letter in the mail that I was sent to collections. They sent me no communications that anything was even owed anymore. They have had a lot of turnover in their billing department so this may be the reason why. I was told that I do not owe anything, this account needs to be removed. I was told by the billing office that they would take care of this whether it was XXXX, VA, or they would call me back if anything else was needed.
Consumer complaint received 2021-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I signed up online for a credit monitoring service called XXXX, which at the time I did not know was Capital One. My credit score at the time, just a few months ago was XXXX. Capital One sent me an offer for a Capital One Quicksilver Card. The offer was the card, 1.5 % cash back on all purchases and if you spend {$500.00} in the first 90 days they would give you a {$150.00} credit. I thought this would be a great way to sav {$150.00} on my car insurance since I pay every 6 months, it reached {$500.00}, no problem. I charged a few things. Then paid it off. I currently have a high balance unrelated to this, I had medical issues and am still not allowed to work due to Covid-19 restrictions. In XXXX. I noticed that I had never received this credit. I called and was told someone in the rewards program would contact me. I received an email on XXXX XXXX, 2020 telling me they could not get into contact with me and to call a number to speak to them. Unfortunately, three days later, my father died of XXXX. My mother died when I was a child and my father was my only parent so, I have been very upset and did not call Capital One although I paid the bills and actually started a checking account with them. The checking account had a similar offer but it is not the focus of this complaint. Also, I am severing all business dealings with them, as they are utterly deceptive I have no reason to believe they will honor their business agreements. Anyway, I finally called them today and at first they told me they had no record of that promotion. While they were on the phone I found a website that listed all of their promotions for a few years and that one was on it. After being transferred around for over an hour they had a representative named XXXX, come back on the line to tell me that I did not qualify for the promotion and he was sorry. He also said the rewards department did not say why I did not qualify but they had the right to change the terms at will. That was the end of the phone call, he said there was no one else I could speak to but gave me the post office box number for their complaint department. A post office box, when they own buildings. This is a clear bait and switch and I've never had a worse experience with a financial institution. They are clearly set up to this to people.
Consumer complaint received 2021-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, XXXX, Transunion ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to XXXX  on XX/XX/XXXX and Transunion/XXXX  on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX  XXXX, XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  - Non Specific XXXX  1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX XXXX  XXXX  5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  TransUnion 1. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX  3. 
Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (PA)

On XX/XX/XXXX, I received a notice of assignment to collection agency from Professional Account Management , LLC for {$50.00}. This is for administrative fee assessed by the New Jersey XXXX XXXX. 
Due to COVID-19, the toll plazas were closed and signs on the highway instructing drivers that tolls will be sent by mail. I have received my toll bills in mid-XXXX XXXX ( on or around XX/XX/XXXX ). I paid my toll bill online and disputed the administrative fee through their website. 
I received an email receipt for the toll payment with a note that my dispute of the administrative fees ( {$100.00}, originally round trip ) will be reviewed and I will be notified. I have never heard back by email or otherwise from the New Jersey XXXX XXXX until the collection letter from XXXX, XXXX sent to me on XX/XX/XXXX. 

I have attempted to dispute the collection with XXXX to no avail, called multiple times and it was clear that they can not be reached by phone by design. I have tried to work through the XXXX  of XXXX to get their attention and have someone reached me by phone, and they were more interested in blaming me than honestly attempt to reach me. 

On XX/XX/XXXX, I sent them a letter to dispute the charges and try to find a solution and I have yet to hear from them. They denied receiving any communication from me even though I attached a copy of the letter I sent them, which does not give me confidence that they are dealing with me with honesty and fairness. I am disputing the {$50.00} charge because I was not at fault when the New Jersey XXXX XXXX fails to send me the toll bills on time. Ultimately, I paid my toll bills but I will not give them the pleasure of acquiescing to them trying to collect through a collection agency. I was never, ever received any mail from a collection agency because I pay my bills, and my excellent credit score proves it. I simply dont want XXXX to damage it.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for..

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

I was contacted by one collection company around a year ago this time staying that I owed about XXXX $ to XXXX for an account I closed out a few years ago. I was able to talk to XXXX and obtain a letter stating the debt was closed and was an error on their part. It was settled and I provided proof to the company directly from XXXX. The debt was cleared from my Credit Report with a note and also from XXXX XXXX. 

Unifin contacted me a year after the original dispute alleging the same debt was still owed. I explain the situation and told them it has already been resolved. The people I talked to were beyond rude and almost mean. I have provided proof to them but I am worried about what information they have. They have had multiple complaints and even have been known to threaten people. I want this issue put to bed and their shady business penalized. I am happy to provide any additional information needed.
Consumer complaint received 2021-02-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

In XXXX of 2019 we funded on a construction loan and refinance of our house through First National Bank. The builder, XXXX XXXX XXXX XXXX, was vetted by First National Bank. We were told that the bank would be in charge of releasing funds to the builder as work was completed and after inspection. The builder was able to collect 90 percent ( {$67000.00} ) of the funds allotted from the loan without passing the necessary inspections. XXXX XXXX XXXX XXXX attempted to collect the final balance ( {$6000.00} XXXX and only was rejected when the appraiser came and declined to approve the final inspection due to shoddy workmanship and an incomplete project. It was after this that we discovered that the builder had failed multiple inspections by the county and continued to build, leaving us without access for the inspectors and possibly resulting in an entire tear down and rebuild.

The bank approved the release of funds without considering important documents and without properly performing inspections to ensure that the builder was building to code. The builder abandoned the project leaving us without a certificate of occupancy and with over {$30000.00} in repairs. 

We are working with attorney XXXX XXXX of XXXX XXXX XXXX, XXXX, and have paid out thousands of dollars to try and recover the money necessary to fix the failed inspections and shoddy workmanship. We have contacted First National Bank several times to ask for support, but have been informed that they will not assist with our legal challenges. They confirmed that they approved the release of funds, but that they did not take inspections vital to completion into consideration. 

If we are unable to recoup these funds we will be unable to fix XXXX XXXX XXXX XXXX 's mistakes and be left without a certificate of occupancy and remain shorted at least {$40000.00} in equity. The bank should bare responsibility for legal fees and court costs as they were responsible for inspecting and approving funds. We may lose our home if we can not afford the legal fees associated with this case and were never informed that the bank inspections would not include ensuring the project was completed to code. The lender is responsible for protecting the consumer to prevent this type of financial loss and ensure that customers are not manipulated by this type of fraud.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CT)

I received a judgement of wage garnishment and was never notified of it now Im out XXXX dollars as head of the household and only provider that greatly Impacts my ability to care for my family snd I was never notified of a date when this would begin. I want the garnishments stopped as I am unable to provide stable living for my wife and daughter
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in the process of buying a house and today XX/XX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly.
Consumer complaint received 2021-02-01
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. (WA)

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are XXXX XXXX XXXX XXXX  Student loans that are reporting a XXXX day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing XXXX days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the XXXX day late payment be removed from all XXXX loans. If XXXX XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/XXXX
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (IL)

I am applying for a loan with Broker Solutions Inc., dba New American Funding, ph XXXX and they have increased my appraisal fee and discount points fee in the middle of the process ( started XXXX XXXX, 2021 ; closing is scheduled for XXXX XXXX, 2021 ). 
Discount points rose from {$510.00} to approx. {$1500.00}. 
Appraisal fee rose from {$490.00} to {$950.00}. 

Is this allowed by law? If not how can I challenge these fees?