davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX-year old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (AZ)

On XX/XX/XXXX & XX/XX/XXXX XXXX Received calls from XXXX XXXX Senior Associate at Atlantic Recovery regarding an urgent matter ( I do not have any debt in collections ). Phone number shown on phone XXXX. When I researched this phone number the owner is XXXX XXXX XXXX in XXXX. XXXX 's messages said to return call at XXXX extension # XXXX.
Consumer complaint received 2019-05-16
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)

To whom it may concern : On XX/XX/2019 I sent Experian 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received 2 responses one on XX/XX/2019 and the other on XX/XX/2019 from the Experian stating that the XXXX XXXX credit cards and inquires were verified. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. In addition, they also stated they do not have re-investigate. This is also a violation of the fair credit reporting act. The inquires and credit cards should be removed from my credit report immediately. Experian has violated my rights under the fair credit reporting act. 

Thank you XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (KS)

A collection from sequiium asset solutions appeared on my credit report in XX/XX/2019. I sent them a letter requesting a validation letter and I never received a response. I called them and told them my name and they could give me no information, as if they didnt know who I was. Filed a complaint with consumer finance and in their response said they would send me a fraud packet-never received it. I dont want to sue this company, only want them to stop reporting that I owe money on my credit report that I do not.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (GA)

i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received a 16-digit {$250.00} offer code ( XXXX XXXX XXXX XXXX ) from Fifth Third Bank in my email. The offer promised a {$250.00} checking bonus for opening a new Fifth Third Essential, Enhanced, Preferred or Free checking account by XX/XX/XXXX if 2 requirements were met : reaching a {$500.00} balance within 45 days, and maintaining a balance of {$500.00} for 60 days. The offer stated that the cash bonus would be deposited into my new checking account within 10 business days of completing qualifying activity requirements. 

On XX/XX/XXXX I made an appointment with Fifth Third Bank located at XXXX XXXX XXXX XXXX and opened a free checking account with XXXX XXXX the financial center manager. I  also gave her the offer code from my email. 

On XX/XX/XXXX I transferred {$560.00} dollars into my Fifth Third free checking account fulfilling the minimum balance requirement and left this money in the account. On XX/XX/XXXX I also transferred an additional {$410.00} dollars. On XX/XX/XXXX I met the 2nd qualifying activity of maintaining a balance of {$500.00} for 60 days. 

On XX/XX/XXXX, 5 business days after the last qualifying activity, I contacted Fifth Third by email to inquire about my bonus. 

0n XX/XX/XXXX, Fifth Third replied with the following response After reviewing your account, our records do not show bonus offer attached to your account as of XX/XX/XXXX. 

Promotions are managed directly through your home Banking Center. For information on a promotion attached to your account, please reach out to your local Banking Center at ( XXXX ) XXXX. 

On XX/XX/XXXX, 6 business days after the last qualifying activity, the bonus had still not been posted to my checking account. I contacted the financial manager XXXX XXXX who had opened the account. She indicated that I should have received my bonus by now and that she would open a help desk ticket. She also still had the offer code and agreed to contact me on XX/XX/XXXX with an update. 

On XX/XX/XXXX I had not been contacted by XXXX so I initiated contact. XXXX stated that the help desk ticket was still open and that she would contact me if anything changed. 

As of XX/XX/XXXX it has been 2 weeks since the qualifying activity and I have still not received the checking bonus nor an update on its status.
Consumer complaint received 2019-05-15
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. (TN)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # 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 Thank you
Consumer complaint received 2019-05-16
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: Allarin Professional Group LLC (TX)

I recieve calls over 10yrs now for a XXXX XXXX  for the number XXXX. She uses a postbox. It hasnt been her number & I'm sick of fighting these people.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (AL)

Paid on my loan as usual, same procedure, got a receipt, only to find out 2 days later that it wasn't credited to my account which resulted in me having to pay double because of what I thought was paid.I 've heard of the tactics they use to confuse consumers payments.I 'm on a fixed income ( XXXX ) and can't afford to shell out extra money.I 've tried to contact them on many occasions, but keep getting the run around.Please help to resolve this matter.
Consumer complaint received 2019-03-28
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: SYNCHRONY FINANCIAL (NY)

I recently created a XXXX XXXX account and I noticed a hard inquiry for SYNCB, national credit cards / Airlines. I have no idea what this is from. I have never had or applied for a credit card. Ive tried contacting everyone and no one has gotten back to me.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

I contact Professional Finance Company to resolve a collection that we believe we do not owe. I asked for details of the debt. I advised I paid XXXX on XX/XX/19. I was told this was a separate account. The company that debt was owed too, has not called us for this particular amounts. They representatives could not give us the information on the account details, she just made snarky commits. Asking me what I don't understand about this. I advised I don't understand why I am paying XXXX XXXX dollars to the same company and why it wasn't billed together. The representatives continued the snarky remark. I asked for a supervisor and got attitude cause I asked. The representatives I spoke with advised me that we would be recorded. I advised the representatives that we have it on speaker phone and will be recording the conversation. Each representatives told us it's illegal to have it on speaker phone, which is false information. Representatives also told us we are not allow to record the conversation. Which by federal law I am allowed to record the conversation and protect myself from fraud or scams. Then each representatives would terminate the conversation by hang up on us, stating it's company policy. I advised the representatives that federal law and fair debt collection act allows me, the consumer to protect themselves against a debt collector. They refuse to continue the conversation. We have recorded the phone calls and we also notified them we were recording them. I asked for a supervisors 3 out of 8 phone calls on XX/XX/XXXX around XXXX XXXX to XXXX XXXX. We had to just ask for a supervisor before talking to a representative. On other occasions When we asked for a supervisor, we would get sighs and attitudes. We got voice mail on all three attempts to a supervisor. We have yet to receive a phone call back from a supervisor. On several occasions pfc has called my wife at work, she has advised them to not call her at work. She has received two more calls from them.
Consumer complaint received 2023-03-12
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. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX Bank XXXX Never Been Late I JUST WORK AT XXXX XXXX XXXX XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX Fl XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2019-03-28
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. (CA)

I had a mortgage loan with XXXX XXXX XXXX XXXX. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # XXXX
Consumer complaint received 2019-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I called Equifax today XXXX XX/XX/2019 XXXX spoke to supervisor XXXX and rep XXXX after realizing that my credit score had dropped XXXX points on XX/XX/2019. I was provided information that the score was dropped because XXXX had reported my loan being in deferment. So I called XXXX and XXXX stated that by them reporting my loan in deferment should not be recorded as derogatory and that my score should not have been effected. They wanted me to provided them with a copy my credit report from Equifax. I called Equifax and got the run-around. They needed to validate my identify. They asked me a series of questions. All having to do with inaccurate info they have on their report which is none of the truth. They ask questions that do not match up to the truth then tell you that you failed authenticity and demand you to fax over a copy of your drivers license and social security card. Not only is this a way for your identity to be stolen, it may be why millions of people were able to get their identity stolen by Equifax, its a scam millions have gone through this process and was told what I was told. They refused to work with me to discuss why my score was dropped and they refused to accept the correct answers I provided them. They ask questions that are in three parts and they say it very quickly and refuse to repeat the questions. They asked me what was my filing date for my BK ; I provided it. They asked about my car loans and payment amounts I provided that. They then ask what was the exact date I applied for an Equifax report, which I have not a clue. They also have different dates as to when my BK was filed and I have my paperwork on everything about my BK and they say it needs to be the date on their report which I do not have!!!! The true dates are what the court sent me regarding my filings not the false info they have. I was trying to get my report from them. They are holding consumers hostage, and using their credit scores against them to satisfy the lenders who pay them to keep our credit destroyed!, so we can be charged higher interest rates. I am livid. There are over a million complaints on various sites about this and what is the CFPB and the FTC doing about this? I was unable to get my report, because they do not want to address the issue of plummeting my score by XXXX points. There was no reason for it. Several people have complained about this very issue. I verified my identity correctly and they want me to fax my SS Card and Drivers license. Why? Because they do not want to correct disputes. They target you after you complain and drop your score even more. Its a game and a dangerous one.  What's being done?
Consumer complaint received 2019-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Thomas George Associates, Ltd. (OH)

On XX/XX/XXXX me and my daughter paid {$4800.00} to Thomas George Associates for a wreck my daughter has back in XX/XX/XXXX.  XXXX with TGA assured me and my daughter that we would have the original paper work within 2ish weeks. I have called this company many times over the last 5 weeks. Each time I have been given many different answers about this. All of the conversations were recorded also. We still do not have our original paper to take to the state of ohio to remove our security suspension that was placed on not only mine but my daughters license. Here it is over 5 weeks since we paid and still nothing.
Consumer complaint received 2019-03-30
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. (TX)

They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018, I made a wire transfer for US {$2500.00} through Bank of America from my BOA checking account. I was also charged with a fee of {$45.00} to make the transfer.The money was intended to be sent to my nephew in XXXX for family support. He never received the money, once I was notified within couple of weeks that the recipient did not receive the money '' I immediately went to the local branch where I made the transaction and informed them of the situation. The bank made a recall and did not get the money back to my account. It's been more than a year and three months : bank has not still resolve the situation and provide me with any answer. They have been very negligent and seem they don't care. At one point, one of the manager told me that I may never receive the money back which I could not believe that any bank officer would say something like that. I went to the bank dozens of times over and over again, called their wire transfer department, called the intermediary bank and nobody knows where did the money go. I definitely need some serious help to get my money back and any assistance would be greatly appreciated.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXX XXXX account #

XXXX h ave violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2019-03-30
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)

They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is Experian credit reporting
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has my XXXX XXXX XXXX on hold. 
evidence of State of California California XXXX XXXX XXXX XXXX XXXX was wired on Friday.XX/XX/2019 to Bank of America. 

Bank of America will not release my XXXX funds of {$4300.00} to my corrected account # XXXX. 

I am XXXX XXXX and XXXX.
Consumer complaint received 2019-03-30
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. (NC)

XXXX XXXX refuses to consider the information I provide to them showing the payment of my account to XXXX XXXX XXXX as XX/XX/2019 they are reporting inaccurate credit information for over 60 days and are failing to conduct an investigation. The account has never been investigated and the company who owns the debt has never been contacted all are violations of FCRA this account has gone unverified on over two rounds of disputes by law it must be deleted immediately.