davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

On XX/XX/2021 I disputed a charge with Citicard for {$1200.00} to a merchant XXXX I had purchased some bags and purses from their website and never received the products. I disputed the charge on XXXX XXXX after I tried multiple times to contact the seller with no success. The tracking number the website provided just said the item was left at doorstep but would not provide any additional information. I never heard back from Citicard and never thought anything of it. At some point they messaged me in their internal message system requesting me to reaffirm that I did not receive the package. I did not receive a letter, an email or a phone call requesting this and did not receive any notifications about the need for my additional signature or information needed. They denied my claim and when I realized that in XXXX I reopened it but they closed it again with no attempt to assist me. Again, they never contacted me about this and never provided proper notification of the disputes through formal channels with me and continue to be of no help. I never received my items and now They refuse to help me with the charge.
Consumer complaint received 2022-09-30
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: LEXISNEXIS (MD)

I have sent and placed several telephone calls to XXXX and XXXX regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy Rules 1005 and 2002, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule 1005 was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a XXXX party data furnisher for XXXX, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX  USCOURTS branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX  simply provides access to federal court records.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On Friday ( XX/XX/2021 ), I sent a letter to Equifax asking for their method of verification concerning a XXXX XXXX Bankruptcy that is being reported on my credit report. 

On Tuesday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated that they verified this entry through XXXX. 

On Tuesday ( XX/XX/2021 ), I sent Equifax a letter, requesting that this item be disputed. I also included a letter from both XXXX ( stating that the bankruptcy was deleted from my file with them due to not being able to verify such entry ) and the US Bankruptcy Court ( stating that they do not furnish such information to any third-party agency ). 

On Sunday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated, again, that they verified this entry through XXXX and it will remain on my credit report, even though XXXX themselves no longer have it on file. 

On Saturday ( XX/XX/2021 ), I wrote Equifax a final letter, stating that if the bankruptcy ( which they can not verify once again from XXXX ) is not removed, I will file a complaint with the CFPB, as I am doing now..
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C. (NJ)

FILO Mortgage NMLS : XXXX not willing to honor pricing shown on XXXX XXXX XXXX and attempting to bait and switch. Showing a note_rate//APR//Fees of 3.99 % //4.003 % // {$390.00} but then via email only offering 4.00 % //4.222 % // {$6300.00} which is a huge difference in price.
Consumer complaint received 2021-12-29
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. (SC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$10000.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2300.00} XXXX XXXX Balance {$650.00} XXXX  XXXX Balance {$650.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance {$1300.00}
Consumer complaint received 2021-12-29
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted several breaches, including the Equifax data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.
Consumer complaint received 2021-12-29
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)

This company has STILL not updated my Equifax credit report as of XX/XX/2021 to show this account has a XXXX balance and has been paid in full as of XX/XX/2021. I am currently in the process of buying a home and this is significantly lowering my credit score and preventing me from obtaining my final approval and being able to close due to the inaccurate information showing ( account balance, monthly payment, account still open, etc ) all of which is wrong. I have requested this be corrected numerous times both with this company as well as Equifax. There seems to be no sense of urgency on either part. It has been almost 2 months now since payoff and I am now in jeopardy of not being able to close timely on my home because of this. I need this corrected immediately and XXXX  # 's provided for the Equifax submission for the credit bureau update. Otherwise, I will suffer significant financial damages as a result of this incorrect credit bureau reporting which has lowered my credit score and is causing me to be denied financing and/or will be forced to take a much higher interest rate as a result. This is an URGENT matter. I am well aware they are capable of submitting this request to the credit bureau to make this correction happen timely. 

Confirmation of payoff attached. 

The other 2 credit bureaus have already updated this information accurately over 45 days ago. Equifax still has NOT!!! Sufficient time has passed for this correction to have been made. I have also disputed the account with Equifax with still no response. I have attached proof of this as well.
Consumer complaint received 2021-12-28
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-02-09
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2022-08-12
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OH)

Coinbase wallet and I'm unable to close the account and redeem my cash. They don't respond to email or answer the phone. My password will not reset. I'm unable to access my {$200.00} which they continue to make money on via float.
Consumer complaint received 2022-08-02
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: Aqua Finance, Inc. (FL)

Checked my credit and a so called Aqua Finance was shown as a hard pull on XX/XX/XXXX. My husband or I are unaware of where that came from. Neither of us have bought or tried to qualify for an " aqua product ''
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NV)

Medicaid was willing to pay for the debt when I first started to receive the mailing bills from the doctors 2018 ( my lawyer instructed me to be seen with ) I call the doctors and explained that Medicaid wanted them to get in touch with them to pay for the bills the doctors told me they didn't want Medicaid they want cash money I explained I'm on a fixed income on SSI XXXX so I called Medicaid back Medicaid said they can't do anything unless they were willing to contact them so on that note the bills went to collection agency AARGON the amount at the time {$4900.00} was the debt I check my credit history and the Amount change to $ XXXX.my lawyer was representing a slip and fall
Consumer complaint received 2021-10-18
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: U.S. BANCORP (MI)

I applied for a US bank credit card on XX/XX/21 from their promotional website promising {$500.00} in rewards for spending {$3000.00} within a 120 day time period. When I received the card I found that the card had a credit limit of {$500.00} ( see attachments ). When I called to complain to US bank I was offered no explanation other than to speak with their underwriting dept and was transferred to that department but left on hold for 12 minutes and then disconnected.I called back to speak with a supervisor ( XXXX? ) who was no help whatsoever and said it was still technically possible to reach the bonus even with a XXXX spending limit. I told her my credit score is 800+ and there would be no reason for the spending cap other than just a bait and switch tactic on the part of the bank and of course I would never have applied in the first place if I thought this would happen. On top of everything, the card has an annual fee ( waived the first year ). The conversation was recorded by the bank so they should have record of my call.
Consumer complaint received 2018-01-15
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

I requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from my credit report.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2022 my Bitcoin and Etherum investment were stolen form Coinbase a. My username and password were compromised. 
I am writing to you because Coinbase had a major security breach that they refuse to acknowledge. They let a hacker access my account from Wisconsin, totally different IP address. They failed to authenticate his identity with XXXX authentication that is linked to my cell phone. This authentication gives a six digit code every few minutes that you have to insert at log in. Coinbase did not send me any email about the actions taken place in my account. These two security measures are in place to protect the end user, but Coinbase had a major security breach in enforcing it. They refuse to acknowledge that they failed with this protection. They refuse to activate their up to 250,000 dollars fraud protection. 
I know that this investment entity is relatively new, but it is a reputable and suppose to be a secure company. I know that there are other victims out there. 
We plead for help to recover our investment. 
Thank you XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (TX)

XX/XX/2021 i was notified by ph from XXXX XXXX XXXX XXXX Tx - thaf XXXX  -reported felonies on my criminal report XXXX XXXX XXXX XXXX - including a XXXX XXXX case - This is CRIMINAL FRAUD REPORTING OF ELDERLY XXXX  - i reported to XXXX XXXX XXXX XXXX US atty general XXXX FTC id theft unit i have NOT seen tis report and will include XXXX XXXX - XXXX XXXX XXXX  owners XXXX ive emailed a info email at aMrent - vague site My atty has sent s cease and desist letter - i did not sign any authorization to provide information of any kind -. 

i demand XXXX  furnish me this report per federal law -
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I had a Citibank credit card canceled for no reason I have lost all my sky miles I had with Citibank it was over XXXX sky miles I had a accumulated made while with Citibank I was Chargeed a Macys credit card bill. XX/XX/2017. I have never received a Macys bill DSNB/MACYS this is incorrect in my credit was hurt Because of Macys credit card Citibank close my account for no reason XXXX  make all my bills have been paid All my mortgages and other credit cards I own are all paid I also have collection agency XXXX XXXX and XXXX XXXX MA XXXX This is a hospital bills from XXXX XXXX my insurance is paying this and when you call XXXX XXXX for billing nobody answers the phone and you can not do any business For doing Billing
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (AZ)

This is a complaint for the debt collector company- ProCollect.

I had resided in an apartment for 1 year and was charged a XXXX cleaning fee after moving out. The apartment complex, XXXX XXXX  XXXX, located in XXXX, Arizona did not send me written correspondence outlining the fee that was owed. In the move out notice it explained that the fees would be processed and mailed to the forwarding address on file once I moved out. I was waiting for this to be mailed to either myself or my mom as she was the cosigner. Since we received no correspondence in the mail, I expected no further charges were due. 

In XXXX I received two automated voicemails claiming to be a debt collection agency and that it was an attempt to collect debt. Two more voicemails were left in XXXX. I have been waiting for mail correspondence from the debt collectors as they must contact me in writing within five days of contacting me. 

Recently I was going though my voicemails and decided to give the number a call back. They had barely any account information only that it was from XXXX XXXX  XXXX and it was in my name. They were unable to accept payment and told me I had to email someone to obtain further information. They told me that in order to find out more information Mr. XXXX at ProCollect needed to take the restriction off the account. 

ProCollect -- the debt agency -- has not contacted me in writing nor is willing to cooperate over the phone regarding money owed. 

I ask for this company to prove that I owe money -- in writing -- and provide a secure means for me to pay the balance. I want it to be sent to both my mother and I as my mother was a cosigner on my account and should have been notified as well.