BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I applied for a XXXX XXXX XXXX credit card from XXXX on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before they could look at my credit report. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I needed to make sure my phone number was on file with Equifax for some reason. So I did. 
I 'm not sure how, but XXXX was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. I believe that Equifax provided XXXX with my credit history when they should not have. 

I completed the verification on XXXX/XXXX/2015. XXXX was able to place a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that XXXX of the inquiries be removed. The agent was adamant that XXXX would not remove the second credit inquiry from my credit report because it was " Not done in error '' While I did authorize XXXX bank to run my credit report ONCE, they were somehow able to pull my credit information from Equifax prior to my authorization and then again a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application. Equifax should not be allowed to provide any information to any prospective creditor when a fraud block is placed on my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called in to experian multiple times trying to get in touch with a special handeling agent. multiple times i was told that they were unable and/ or simply refused to transfer me. I found XXXX companies that had done hard inquiries into my account without my permission and wanted to report this. after multiple calls and multiple agents being belligerent, i finally was transfered and was told that there was XXXX accounts ( total of XXXX inquiries that would be removed and a temp credit lock would be placed on my account so i can investigate further. The accounts were not removed, nor was the lock placed on my account ( now putting experian at risk should anything else come up. ) I also sent letters to the XXXX companies that had performed the inquiries illegally and asked for validation as to these being legitimate. none of the XXXX had gotten back to me in the 30 days required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX Card was used in my name and falsified to open XXXX Called company to let them know about the fraud and they said they would take care of it. ( 4 hours of conversations ) Early XXXX I called back because they wouldn't close the account- they asked for identity verification and then asked for me to send IdentityTheft.gov paperwork faxed to them ( 3 hours of conversations ) XX/XX/XXXX : Faxed IdentityTheft.gov information and waited for result XXXX : XXXX sent letter closing my account but wouldn't remove responsibility for pay XX/XX/XXXX : Called them to ask what is going on and why this was declined. They refused to give me agent numbers, badge numbers, recordings, etc. It's impossible for me to trace any conversation we had without illegally recording myself. 
XX/XX/XXXX : They told me that the account was " Resolved '' but when asked to double check and what that means, they told me it's " Resolved '' and I read the letter from XXXX and they said " Yep! Resolved ''. After telling them I'm nott paying for something I didn't charge, they told me to send the same paperwork I already sent them back to them and wait 90 days. 

I'm trying to buy a house, move for work, etc. This is DESTROYING my credit to move. It's predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This morning, I sent money to my wife via Western Union. I was provided an XXXX # ( XXXX ). I was informed the recipient was unable to receive the funds because the XXXX was incorrect. Western Union collected the money from my checking account, but has not credited my Western Union account. I was advised by my credit union that they could not cancel my debit card transaction because I " entered into a contract '' by using my debit card. I was provided a " system trace audit number '' and " sequence number '' by my credit union. I emailed screen shots of this transaction on my checking account and a picture of the document provided to me by my credit union with the technical numbers associated with the above listed transaction. The Western Union help desk. I was given the help desk reference number of XXXX from the email address XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXXThis morning i woke up to catch my credit reports in a last ditch effort to see why my application to an apartment was denied. I checked all XXXX, and was only able to get my XXXX report. After looking it over, the reported information is correct. 
However the other XXXX i was unable to obtain due to some extremely obscure questions the system was asking me : Auto loans opened in XX/XX/XXXX, And XX/XX/XXXX ( I do n't own a car ) Credit cards with shopping centers, and banks, some in other countries. ( I have n't owned or been able to get a credit card, nor have i been XXXX. ) All of these things are quite are making me quite concerned. and I 've been unable to understand what is going on. 

I 've applied for XXXX credit cards in my life, ( XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, respectfully ) and XXXX were denied. I 've personally had past issues checking my credit, but wrote it off, as I never really required credit up until this point in my life. 

Judging from the questions i was asked, I have apparently applied, and got, several cars, houses, and loans in not only the United States, but somewhere in XXXX as well? 
I have n't been out of the state of TN since I was XXXX, ( i am XXXX, going on XXXX ) and I 've not been XXXX since a cruise I took when I was under the age of XXXX. 

I 'm a good, honest, and hard working individual that wants to get his life together, and pay back what i *DO* owe to *AN* apartment, and a single hospital bill, both totaling out to a little over XXXX XXXX ... 
I 'm concerned that my identity has been stolen, and scared that i 'm screwed and do n't know how, or where to proceed from here! Please, somebody out there help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
To Whom It May Concern : On XXXX XXXX, 2016 I made reports of identity theft/fraud to multiple organizations including the FBI, FTC, CFPB, XXXX and Experian. My reason for this action was an assumption of theft during a credit report check. As I now know part of the authentication process prior to the credit report is the series of questions regarding dates of opened auto loans, home mortgages, bank cards and such. The manner the questions were phrased implied in my opinion that I was suppose to know valid information about an active account involving my identity which prompted me to abruptly cease my credit report and contact authorities reporting my findings. After consulting a legal aide from the Federal Trade Commission website a consultant informed me that the questionnaire was common procedure and many misinterpret this process similar to my situation. I used the service XXXX XXXX to then do a credit check and was pleased to find that the only involvements with my identity were legitimate ones. Unfortunately I reported and assumed fraud had took placed and would like to inform my findings and help with the procedure of undoing anything I may have caused from my over reaction. I appreciate the time and prompt reaction. Please accept my apologies for any inconvenience and thanks for your help and understanding. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been sending my brother a check for {$1000.00} every month for well over a year. It has always worked fine for him using his Citibank bill pay system except for the XX/XX/2019 check with reference number XXXX and trace number XXXX. This is what happened to that check as evidenced on my brother 's bank statement which is attached : XX/XX/XXXX19 {$1000.00} Check is deposited XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check is redeposited per instructions of Citibank to do so XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check deposit shows on the statement but this is the XXXX check which, like all other {$1000.00} checks he sent me before and after this cleared fine. 

I did not place a stop payment on this check and my bank ( Citibank ) is claiming they never did either yet that " Refer to Maker '' stop payment is clearly shown in the attached document. Citibank has instructed my brother to have XXXX XXXX trace the payment using the sequence and trace numbers in their letter to him dated XX/XX/2019 ( see attached ), which includes my notations in red ink. 

Citibank is claiming the funds are with XXXX XXXX XXXX  so we are both out {$1000.00} in that my {$1000.00} account deposit was charged back on my brother 's account at XXXX XXXX XXXX  and Citibank never credited back my checking account. 

Please investigate this matter ASAP, as it has been 7 months since I have been struggling with Citibank over this issue only to have them deny my claims and place the blame on XXXX XXXX XXXX. The central issue is that they refuse to say why they placed a " Refer to Maker '' stop payment on these funds which cause my brother 's XXXX XXXX XXXX ( headquartered in XXXX, CA ) to debit his account for this {$1000.00} amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I notice that someone a bunch of inquiries was made on my credit reports without my consent. I have contacted the companies, but I want to ensure those inquiries get remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed XXXX-XXXX different collections with Equifax and XXXX-XXXX with XXXX without the desired resolution. In some cased collection agencies have changed the open dates past original closed dates in order to keep the debt current. I have XXXX-XXXX that are over 7 years old and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Refusing to delete account info from my credit report. XXXX has willingly deleted all the info from my report and notified XXXX credit agencies. Equifax has not and would not delete the information. I have disputed twice with them already. The only thing that they do is they " verify that the information is correct ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus did not apply my last month 's payment to my mortgage. It is going into a suspense account, which then generates a penalty, even though the payment is timely. They are also adding other unjustified charges. The Consumer Financial Protection Bureau allows these abuses to continue. They do not protect the consumer and should be disbanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
It is very, extremely hard to put a fraud alert on your credit report. The credit bureaus make the process impossible. I just received a letter in the mail that someone tried to apply for credit in my name. This is the only information I have, so I go online to do this fraud alert, and the bureaus want me to order a credit report first. UNACCEPTABLE. I should just be able to get this added ASAP. Why should this process be so hard, while I am trying to get this done and my identity is getting stolen as we speak!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Accounts showing as navient, XXXX balance closed are showing on my Experian credit report. 
I have disputed these accounts several times and recently submitted a police report requesting a block per FCRA 605. Experian choose not to comply and initiated a normal dispute. The results came back verified yet again. I have recently contacted XXXX to dispute directly with them. XXXX the onbudsman requested a copy of the police report and informed me that all communication with the CRA is done via an internal data system. 
She stated " we did not receive a copy of he police report from Experian to her knowlage '' and they 're system does not " recive documents '' When I called Experian today to inquire how they " verified '' this account the response was XXXX replied as it is mine. Experian also stated they supplied XXXX with a copy of the police report. 

I have supplied XXXX with the police report and they are requesting 60 days to do an internal investigation. Experian needs to honor, 605 request to block, supply furnisher with submited documents to conduct a reasonable investigation, and escalate concerns such as this to more then basic data reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hi, I placed an online order on XX/XX/XXXX, the merchant charged my Citibank credit card on the same day. But the merchant never shipped the items to me or refund the item, even though the merchant refused to do anything ( send me the item or refund ) and from that time to now ( XX/XX/XXXX ) I never received the items, after I contacted them. I had to dispute this transaction through the online bank on XX/XX/XXXX. After a few days, Citibank emailed me that this case has been solved. Yesterday I found that the amount I disputed on XX/XX/XXXX was charged to me again on XX/XX/XXXX. It is so weird, I checked all the transactions on my Citibank credit card several times between XX/XX/XXXX and XX/XX/XXXX, but I did not see this transaction. I think this transaction happened after the credit cards statement was issued ( the issue date is XXXX every month ), but this transaction was charged on XX/XX/XXXX. Why is this happening to my online bank? What did Citibank do? 

Thank you for your time and attention Best Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On several occasions I have requested that " Paid Civil Judgment '' be removed as derogatory remarks from report. Docket # XXXX for {$3500.00} has been removed. However, Docket # XXXX for {$4000.00} has not. It clearly reflects as Paid, as did the other one, and yet they continue to ignore my requests to remove it as a derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When Seterus took over as our lender after 17 years with XXXX Bank, they failed to send me a new escrow statement in XXXX XXXX. It was mailed to an individual that I do not know in a different city. I found this out just last month when a copy of the statement was provided to me from Seterus. I had expected a statement in the mail to my home address but never was sent XXXX. In XXXX XXXX, I called to find out how much I owed, and Seterus refused to tell me over the phone. I sent in a payment in XXXX XXXX for the amount that XXXX had previously told me to pay. After several letter writings to Seterus, we were finally told the correct amount to send in. We continue to not receive monthly statements from Seterus and instead were told we could find this out over the phone. 
In XXXX XXXX, I sent in XXXX checks ( mortgage payment and additional escrow payment ) with instructions, all in the same envelope. Only the additional escrow check was cashed. After two months of letter writing and faxes to authorize the release of the other check for the mortgage payment, the check was still not cashed. This check was for a different amount than what was required as I wanted the escrow shortage divided over 12 months rather than 4 years. The total of the XXXX checks was more than the required monthly mortgage payment. I ended up putting a stop payment on the check in XXXX XXXX and issued a replacement check for the same amount written as what was written on the original check to Seterus for the XXXX XXXX mortgage. This check was cashed in XXXX XXXX. I am still receiving demands for more money from Seterus yet our mortgage is current. Because of a lack of monthly statements from Seterus, it is difficult to determine what is going on with checks that I send in to them. We are told different information each time we write to their correspondence address.

Company response to consumer: Closed with explanation