BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have four accounts with Capital One. Two Joint Accounts in my and my wife 's name. One is a Youth Savings account in my son 's name. The fourth is a business savings account. 

All ( 3 ) personal accounts are frozen with this message : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number on four separate occasions. Twice I gave up after nearly an hour wait time. The 3rd time, someone picked up and affirmed my accounts were on hold. She was unable to determine why and transferred me into a perpetual queue. The 4th time was today, Wednesday XX/XX/XXXX. The lady at Capital One followed the same process as the 3rd time - but I declined the transfer and requested a Supervisor. 

XXXX was the supervisor. He was nice. However, he could provide me no information. He indicated that the accounts are frozen at that is all he had access to, that I would need to speak with the other department, and 'YES they do have extremely long hold times '. I declined. 

On XX/XX/2020 I mailed them a good old fashioned letter in the mail to : Capital One, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX So as it stands - Capital One has frozen my accounts with ZERO COMMUNICATION. I have contacted them on ( 5 ) occasions ( four calls and one print ). I have yet to receive any communication from them as to why they are doing what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I returned a rental vehicle after hours to XXXX XXXX XXXX. Immediately after, the truck was stolen and missing for XXXX days then recovered by XXXX. As a result of this, XXXX charged an additonal {$2400.00} to my Capitol One bank account. I had also purchased the waiver that protected me from theft and " loss of use '' charges. During the XXXX  days the vehicle was missing, XXXX made NO attempt to contact me regarding the vehicle being overdue. I had no knowledge of this incident until a XXXX tow truck driver called me on the XXXX to inquire about the missing keys. 

I filed a dispute with Capitol One ( twice ) but because XXXX provided a fabricated receipt, they did NOT reverse the charge. 

I also contacted local authorities in regards to the theft but because the vehicle was not in my possession at the time of the incident, I could not file a report. XXXX would have to do it and they have refused. 

XXXX has also refused to honor the waiver I purchased because I did not make arrangements with the location for the after hours drop off. XXXX considered this a violation of the terms and conditions and voided the waiver. However, XXXX also made it *impossible* for me to follow through on this because I made MULTIPLE attempts to contact the location over the course of XXXX days and no one ever answered. Their neglect was the reason my waiver was voided. 

I followed all of XXXX 's posted instructions for an after hours drop off. The vehicle had no evidence of a break in so its clear the keys were still able to be removed from the drop box ( which had clear evidence of tampering ). Their security systems were also not functional at the time of the incident so there was no way to see exactly who took the keys/vehicle or when. Or to even prove I returned it at all. 

As a consumer, I find this situation to be completely unfair. XXXX 's inability to maintain a secure premesis and neglect of a business phone is not my fault. I should not be the one paying for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX  ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 someone fraudulently used my CashApp account to withdrawal money from my CashApp wallet as well as my bank account. I was able to contact my bank and submit a Regulation E claim for the fraudulent transaction, which they promptly resolved. However, when I tried to submit a notice of error to CashApp for the {$200.00} taken from my wallet on Cash App, I have been running in circles to submit my notice of error. 

I went the the CashApp website and contacted the telephone number given under its error resolution notice ( XXXX ). However, when I call this number it give a message that states that " Live phone support is not generally available at this time. '' The recorded message provides a website for further help. When you go to that website it does not offer options to report fraud. I closed my CashApp account to stop any additional fraud.

At this point I am frustrated and just looking for help to get ahold of CashApp so I can report the fraud and request a refund of my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached my XXXX XXXX credit file. Experian refuse to remove the bankruptcy off my credit report. I reached out to XXXX XXXX and received my lexis nexis file which DO NOT REFLECT NO BANKRUPTCY on my XXXX XXXX file. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXXXXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These are the accounts that is linked to the address XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX that is reporting on my credit report which that address does not belong to me. The XXXX  XXXX report CLEARLY shows the address was deleted meaning any accounts that falls under that address need to be removed. Experian has sent me a pre-made letter stating they verified the bankruptcy. I do not own a home XXXX XXXX  do not belong to me this home is in ohio. I am a home owner in Nevada not Ohio. This hendering my credit tremendously! I take pride in my credit as a consumer. The only accounts that BELONG to me is XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2017-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE EQUIFAX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM EQUIFAX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. EQUIFX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

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 2017-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Open date XX/XX/XXXXXXXX XXXX  Closed date XX/XX/XXXX Cb indigo credit card I payed off card amount account is still under collection request for it the item to be removed. Been more then 30 day since I payed off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights. 
15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been paying on a loan with XXXX XXXX XXXX. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TD Bank received the total payoff on my mortgage on XX/XX/2020, and as of XX/XX/XXXX, still have not closed the loan and even made an additional withdrawal of {$2000.00} from my checking account for the month of XXXX. 

After contacting them, they said they had received the total payoff in their account, and that they didn't mean to withdraw the additional {$2000.00} but they are " busy and backed up '' and have no estimation when they will close my loan or when they will refund the {$2000.00} overage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On going problem with my debit card being hacked by a man by the name of XXXX XXXX XXXX who is hacking my computer and bank account. I have about 12 debit cards now from BOA that have had to be changed due to him ordering vitamins etc ... From BOA this was reported and reviewed by XXXX XXXX XXXX XXXX XXXX. 

I want all of the fraud reports that I have requested since 2019 till recently starting with the one for {$700.00} dollars I need to take him to court. I have requested this many times and haven't gotten anywhere. BOA needs to be responsive and recognize that this man is equivalent to a XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter 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 2022-10-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Have contacted XXXX in regards to false charges through XXXX XXXX XXXX admitted to false charges until dollar figure was noted. Once that was pointed out XXXX said this is fraud but we can not help you you will need to reach out to credit card company. 
I have then called credit card company have been transferred and called to many times to count. Fraud keeps saying they are not receiving my documents or they do not except certain things. At one point fraud has transferred me to disputes explained situation to dispute then they transferred me back to fraud. This has gone for 2 months now. Went to a local branch for help they then called customer service in front of me and resyarted the whole precess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Great American Finance Co
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/2016, I purchased a sectional from XXXX XXXX XXXX in XXXX, IL. When the item was delivered it was damaged and it had bed bugs. I incurred a cost because I had to fumigate. The item was immediately returned. I was refunded for the item. XXXX XXXX requested I come in to reselect an item. I went in reselected but I was told the item would not be available for two months. I was ok with this because my home was under construction and I was XXXX  at the time. I received a call in XXXX of XXXX  from a XXXX XXXX representative indicating that my item was discontinued therefore it would not be delivered therefore I was told that I needed to come in and reselect.By this time I was frustrated and had no interest to purchase from XXXX XXXX. I was also undergoing a XXXX XXXX XXXX with XXXX XXXX so I was in and out of hospital. My focus was my baby. I never received an item from XXXX XXXX XXXX nor did I go back to XXXX XXXX. I am currently trying to purchase a home and this is affecting my credit. I have reached out to Great American Finance and the only thing they can tell me is that the item was delivered. I have gone to XXXX XXXX XXXX and they tell me that their delivery guys is an independant company. I have asked for proof of signature on who received the item and I have not been provided with such. I have been back and forth with Great American Finance they are making no effort in investigating the matter and XXXX XXXX is not making any effort to help me solve this matter. Great American Finance hung up the phone on me. Again I never received an item from them. They started sending me letters recently to settle but I don't owe them money if I never received an item. I had no idea this was on my credit report until I ran my credit in light of trying to purchase a home. This is the only item affecting me.

Company response to consumer: Closed with explanation