davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (RI)

Dear XX/XX/XXXX; OPORTUN XXXX ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (VA)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unlawful reporting of a debt on my credit report. I have never received any notification of this alleged debt, nor have I been provided with a validation notice as required by 15 USC 1692g prior to reporting on my account.

This action is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 USC 1692g, which mandates that debt collectors must provide consumers with a written notice containing details of the debt and their rights within five days of their initial communication.
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GLOBAL CREDIT UNION (AK)

Friday, XX/XX/year>, I attempted to make a partial early withdraw of a XXXX of XXXX. 
The penalty of early withdraw for this certificate is all interest earned on the amount withdrawn. 
They tried to charge me 180 Days Interest instead of the actual interest earned for 94 days. The overcharge was several XXXX dollars. XXXX, a teller at the XXXX XXXX branch continuously falsely denied that I was being overcharged. Being exhausted by XXXX incompetence and denial of the obvious, I eventually left without evidence. 
Next, on XX/XX/year>, I made a much smaller {$8000.00} early withdraw over the phone to obtain the attached evidence. 
Immediately after, I called again to demand an explanation and correction of the fraudulent penalty. After an incredible run-around I spoke with XXXX, XXXX Certificates XXXX XXXX. XXXX assured me they will solve the problem and respond to me in XXXX hours. 
Tuesday, XX/XX/year> around XXXX, XXXX XXXX to assure me the company determined there is no error and that he personally computed the interest and {$170.00} is correct. The correct amount is around {$90.00}.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

I am writing to file a formal complaint against Citi Bank concerning a significant issue with my AAdvantage XXXX XXXX card, ending in XXXX. Despite my repeated efforts to resolve this matter directly with Citi Bank, I have not received a satisfactory response, prompting me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ). 

Background On XX/XX/XXXX, I applied for a Citi AAdvantage Platinum Select card with welcome bonus of XXXX AA miles, which I received shortly thereafter. The card number ends in XXXX. I was enticed by the bonus miles offer, which required me to complete specific spending requirements within a designated period. I successfully met these spending requirements as of XX/XX/XXXX, and my statement reflected this last month. 

The Issue Despite meeting the required spending threshold, I have not received the promised bonus miles. Upon contacting Citi Bank customer service, I was informed that I was ineligible for the bonus miles due to having received a similar bonus within the past 48 months. The system recorded that I had received a bonus in XX/XX/XXXX, which would make me ineligible under their policy. 

Clarification and Error in Citi Bank 's System After a detailed conversation with a Citi Bank customer service representative, it became evident that there is a potential error or glitch in their system : Bonus Timeline : The last bonus I received from an AAdvantage Platinum card was in XX/XX/XXXX, over 48 months ago. 
Account History : The bonus I received in XX/XX/XXXX was from an AAdvantage XXXX card, not the Platinum Select card. 
Product Differentiation : The terms and conditions of Citi Bank state that the XXXX restriction applies independently to each product. The XXXX XXXX card and the AAdvantage XXXX XXXX card are distinct products. The XXXX card they flagged ( has being closed last year ) was acquired through a downgrade from the XXXX card, which seems to have caused the system confusion. 
Given these facts, it is clear that the system erroneously flagged my account as ineligible by conflating the XXXX separate products. 

Attempts to Resolve the Issue After identifying the potential system error, the customer service representative advised me to send a detailed email to a higher authority within Citi Bank for further review. I sent this email on [ date of email sent ] to [ email address used ], outlining the situation comprehensively and requesting a resolution. Regrettably, despite waiting over XXXX weeks, I have received no response, which is extremely disappointing and has left me with no alternative but to seek external assistance.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (CA)

I am writing to express my concern and dissatisfaction regarding the {$300.00} bonus offer that was advertised for opening a First Tech account. I applied for the First Tech account with the intention of qualifying for the bonus and followed the conditions as stipulated. 

By XX/XX/year>, my employer had deposited {$3000.00} into my First Tech account. After this, I contacted First Tech Customer Service to confirm I met the requirements for the bonus. During this call, I was assured that I had met the direct deposit requirement of the offer.

Despite adhering to these instructions and waiting the specified period, I did not receive the {$300.00} bonus. Upon contacting your customer service team recently, I was informed that my deposit did not meet the direct deposit requirement because it was not classified as such. This contradicts the information I was initially given. 

I am disappointed with the inconsistent information provided by your customer service representatives and the failure to honor the advertised bonus offer despite my compliance with the requirements as I understood them. 

I request that you review my case and honor the {$300.00} bonus as initially promised.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MI)

XX/XX/XXXX I entered into a payment plan. XXXX was the down payment. XXXX due XX/XX/XXXX and XXXX XXXX. I complied. Once the last payment in XXXX was given. I was notified by my then relationship manager XXXX XXXX  that the repayment did not make me current. He stated that he and his manager worked on my account for XXXX minutes. XXXX then stated he and phh accept full responsibility for the error... however, to fix the error I would have to put down yet another down payment of XXXX by XXXX XXXX with XXXX subsequent payments of XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I stated since I not only paid my contractual amount to finish the faulty repayment plan in XXXX I added and additional XXXX and with my suspense account gave another payment in XXXX of over XXXX. I declined the repayment plan offered to fix their mistake as the 4 monthly payments to fix their calculations doubled my original mortgage payment of XXXX to XXXX!!! I have asked for and applied and appealed their decisions to help me by only short sale or deed in lieu. They deny me a forbearance, deferment, modification, repayment plan or restructure of the mortgage. It can not be considered the consumers obligation to fix a calculation the mortgage company did. There has to be laws, restrictions and protocol they have to be responsible for ... .please tell me consumers have protection from predatory lenders. I did contact andrianna of XXXX XXXX  who is the private investor ... .and she replied verbally and in email that XXXX  XXXX  gives durable power of attorney to phh for all decisions... .I 'm butting my head against the wall. I have the admission of the faulty repayment plan I was on in writing on phh letter head with a caption " sorry for the inconvenience ". I can supply u with that and my mortgage payment history. I have been in this home XXXX  years ... .a phh customer since XXXX. I'm XXXX my husband is XXXX. Please help
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (MA)

The company send me a credit card that I haven't applied I call the company asking for answers about it and why I have to pay for a bill if I never applied for any credit card. I call many times the company this week and no one answers my call. The company give me a credit card of the amount of US {$700.00}. The company sent me a email on XX/XX/2024 of the amount of US {$170.00} to pay on XXXX XXXX. 
This situation is very frustrating.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I appreciate your time to REMOVE some of the incorrect items in my file that caused by inaccurate credit information but I still have ITEMS left that needed to be removed. Despite submitting an FTC report, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries and erroneous information listed below. This letter addresses several unauthorized hard credit inquiries and erroneous information on my credit report, with XXXX ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Have XXXX payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My credit report has been pulled up by these companies without my permission and consent and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.