BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is against Square , Inc., having its offices at XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX and its affiliated unit, styled as Cash App. Square has stolen {$3000.00} from me and has never offered a clear explanation Despite my and the payees repeated attempts over the past six months to explain the problem and achieve resolution. Funds in the amount of {$3.00}, 000.00 were transferred from my personal bank account to my Square, Inc. account, but never received into the accounts of the designated payee. Square has ignored us and has stated, through innumerable emails, that they can do nothing. 
The substantial amount of this theft by Cash App is causing extreme financial distress for our family. 
On XX/XX/2020 I used CashApp XXXX XXXX XXXX XXXX to transfer {$3000.00} to XXXX XXXX ( payee ) for expenses he had incurred to repair his mothers dwelling. The funds were removed on XX/XX/2020 from my personal bank checking account, but were never received into the account of the payee [ $ XXXX ]. Payee had, prior to XX/XX/XXXX, closed that account and had subsequently opened a new account [ $ XXXX ]. 
On XX/XX/2020 I requested the funds be returned to me ; Cash App has responded that such would be impossible, stating finally on XX/XX/XXXX : After checking your account, I can see the {$3000.00} paid to $ XXXX on XX/XX/2020 at XXXX XXXX XXXX  has been completed, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please have the recipient reach out to us. 
During this ordeal, both I and the payee have tried many times to get this resolved with Cash Apps customer service agents and to either have the {$3000.00} returned to the Payer or sent to the Payee. We have timely submitted every piece of information they have required in order to verify the account.

These are excerpts from emails sent to the Payee ( full email messages attached to this complaint ) showing Cash Apps inability to adequately explain how the {$3000.00} could be recovered : XX/XX/2020 : I know that not being able to access the funds involved is inconvenient and can be a stressful situation. You may be able to contact your local law enforcement., and file a report. Cash App will fully cooperate in the investigation. I do not have any new information to provide regarding this issue. 
XX/XX/2020 : After taking a look into your account, I am able tpo see that your request to access to the account was not approved. For security reasons, we can not reverse this decision ad are unable to provide additional details. 
XX/XX/2020 : Were unable to verify the information youve provided to merge these accounts together. Moving forward, you will not be able to access your previous account. 
XX/XX/2020 : I can see that your {$3000.00} are in $ XXXX but you requested the merge from another account different from this XXXX $ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: OH
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:
Found these accounts and inquiries on my credit report : 1 ) XXXX  : {$1900.00} opened XX/XX/XXXX 2 ) XXXX  XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX  XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX 's XXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX  XXXX/XXXX  XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX  XXXX  XXXX/XXXX  : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX  : opened XX/XX/XXXX 2 ) XXXX XXXX  : opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See attached ( Please note : failure to provide the following requested information means that you have not verified the accounts and inquiries as accurate and you must immediately delete the accounts and inquiries for failure to verify. Failure to delete the below mentioned accounts and inquiries harms my reputation and character and your company will be liable to me for defamation in a public jury or private litigation action. )

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 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While in the process of closing an existing savings account and requesting the balance be transferred into my 49 year old checking account on XXXX XX/XX/2022, a Bank of America associate inadvertently closed my checking account. I contacted BOA immediately to report the problem, and subsequently on three different occasions between XXXX XXXX XXXX XXXXo request my checking account be immediately reopened. Although I was promised by numerous BOA associates and a " floor supervisor '' the problem would be resolved, BOA went through a series of steps to reopen, then re-close my checking account, while subsequently taking the balance in my checking account, and reportedly mailing me a check for the balance ( I have not received ), and leaving the " now '' re-opened account with a {$0.00} balance. As a result I've been left without any access to my money, unable to make ATM withdrawals, or use bill pay to address outstanding bills. BOA was easily able to close my account against my instructions, but unable to reopen my account quickly at my express direction thus putting me in a very precarious financial position.

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 2023-07-08
Company: EQUIFAX, INC.
State: GA
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:
This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-10-02
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My girlfriend and I purchased groceries on her girlfriend 's XXXX account on XXXX XXXX ising my Coinbase wallet debit card. The order total was XXXX but XXXX placed a hold for extra funds in case adjustments were made to the order for substituted items. The total hold amount was {$100.00}. So the difference was to be returned to me. Normally I receive these types of returned adjustments in minutes, or in some case no more than 3 to 5 business days in light if the allowed 1_10 day timeframe because it never and should never take that long after they have marked a transaction as completed. Coinbase marked the total amount t if {$100.00} authorized complete on the purchase date. They should not have marked this complete to the merchant not submitting that value as the final amount. I have since been waiting for these balances to be returned to my Coinbase card account in the amount if approximately {$25.00}. I believe the merchant and/ or the bank are handling these types of processes with little regard to the consumer once it reaches the point of just unnecessary delays. And it has been proven that the amount was finalized already. I can not get any type of update ipr help from Coinbase and in this regard, after further reviewing my account, I can see this transaction shows pending foe {$100.00}, however they also marked it as authorized completed. In addition to this issue I have discovered pending transactions that are over 1 year old from XXXX XXXX, XXXX  and also another from XXXX of XXXX. There have been at least 3 occasions whereas Coinbase has not properly reconciled my balance payments and ultimately kept monies from XXXX  purchases that they had on hold and never returned to me. Due to the confusing way that they delivered amd changed the transaction settlement dates, it makes it impossible for me to prove the overages so I ultimately end up taking the lose and just end up hoping rhat they will discover the overage upon their end of the year reports, but they did not. They owe me over {$75.00}, not including the current XXXX adjusted balance from the transaction on XXXX XXXX, for additional transactions in crypto purchases in the Coinbase app, and in store purchases using my Coinbase card. The transactions were either cancelled in some instances or placed on hold and never reconciled. At this point I am just frustrated and perhaps am leaning towards demanding an investigation into the handling of their customer account funds and banking transaction/activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously corresponded with LoanCare through its website and by mail regarding the reimbursement of my XXXX second-half property taxes that I had to pay directly to XXXX XXXX because LoanCare had failed to make the payment despite there being sufficient funds in my escrow account. I am still waiting for the reimbursement despite being told on XX/XX/XXXX, that I would be getting reimbursed for the payment. Enclosed is the notification from LoanCare that I would be receiving a reimbursement ( Exhibit A ). 

I will again provide some additional background of the situation. On XX/XX/XXXX XXXX I received a past due property tax statement from XXXX XXXX ( Exhibit B ). I immediately contacted LoanCare and after several transfers and call backs, I was assured it would be paid. It was not. I received a second notice from XXXX XXXX on XX/XX/XXXX XXXX showing the amount still owed and the assessment of additional penalties ( Exhibit C ). The total was {$3100.00}. I again contacted LoanCare and received no response to my inquiries. Given the approaching deadline of XX/XX/XXXX, I paid the taxes directly ( Exhibit D ). Then after more calls and emails that were not responded to, I finally received the email saying I was going to get reimbursed. However, that has not arrived despite several emails. 

I also contacted XXXX XXXX XXXX XXXX XXXX and they confirmed that it was my payment that they used to satisfy the XXXX second-half property taxes ( Exhibit E ). LoanCare never sent a check to pay these taxes. 

This process has been very frustrating, and I would ask that you reimburse me the {$3100.00} as it is owed and I was promised. 

I have also attached the last letter I sent to Loancare

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 2023-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

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 2022-03-16
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX at XXXX the agents at key bank refused to deposit my remittance deposit into my account because they were unfamiliar with the bills of exchange act. They told me I basically had no rights to my own credits and wouldnt attempt to deposit my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would appreciate it if you could examine the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are reporting me inaccurately.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights DEPT   OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

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 2021-04-02
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender took escrow at closing this is aXX/XX/XXXX backed loan. The lender has never paid the property taxes on parcel number 2, they failed to pay the insurance also. Although they took the money at closing XXXX. I have paid the property taxes for XXXX and XXXX. The lender places forced insurance and now they refuse to fix the leak. It's a mess the home is also now in foreclosure, XXXX XXXX failed to pay the mortgage, when I found out I immediately called the bank made a payment told them I would make monthly payments and to get them caught up. They accepted 2 months on the 3rd payments I made a larger payment and it was rejected, they told me all of the past due or nothing. They sent that payment back. Within 3 weeks they filed foreclosure, I have never been served the lawyers refuse to speak to me because I'm only on the deed. Averst central mortgage company refuses on multiple occasions to speak to me although they have permission. They claim I have an attorney i do not. I made them aware of the taxes and insurance they claim to only have a lien on one parcel. I called the clerk of court and they confirmed there is a lien on both. So again I have attempted to work with everyone involved getting no where fast. I do not want to lose the home. I have a lis pending against me so no lender will loan me on the other land that own. Otherwise I would take a mortgage and pay it up to date. XXXX is XXXX and not in sound mind. Her attorney has convinced her that if she signs deed in lou of the keys she won't have a default judgment. There are 3 names on the deed no one is getting me to sign that. That attorney had since lost her bar licenses. Please help. XXXX the 2nd parcel holds the water wells for the entire 10 acres and supplies water to another home on site he is XXXX and the wife has a XXXX XXXX as well as the daughter has XXXX.

Company response to consumer: Closed with explanation