davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : TX HIGHER XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to TX XXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I co-signed a car loan for my daughter with Toyota Financial Services. She has made her payments via their Application on her phone. In XXXX of this year we received a letter from them stating that her payment of XXXX, which was a payoff amount, did not go through. However, she never attempted to make this payment. We feel this was an attempt at fraud. We contacted them immediately and explained that she did not make this payment and that her desire was to continue making her agreed upon monthly payments. We had to speak to a supervisor to at that time. He assured us that he was fixing their mistake. 

Fast forward a few weeks. She goes to make her monthly payment as usual and the application will not allow her to make it. So she calls and speaks to a customer service rep. who tells her that the loan is about to be wrote off and her and my credit will be affected for XXXX years if she doesn't make the large payoff payment. She again explained that this is their mistake and not ours. They rep tells us that they had sent the title to an address that isn't ours and that our only option to fixing this is to get the title back. We do not live there, we never received the title. This has gotten to the point where they will only accept a payoff of the loan amount to close the account without penalty. 

I feel this is wrong. Toyota praying on young people, forcing them to make large payments that is unnecessary. I would love some assistance in this manner.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Certegy Holdings, LLC (NC)

I continue to receive declined check text from information from places that I tried to cash a business check from only to have it declined and the business nor certegy can tell me why. I have not had a checking account or utilized a check for XXXX  years and the checks are not my written check but from a business. I am asked for the account number and routing number but that information wouldn't be on a business check to me. They are treating this as a personal check.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX ACCOUNT # XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATE MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. SECTION 604 A. SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-10-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (FL)

On Wednesday XXXX, I visited the XXXX OH branch location to file POAs for my grandmothers accounts. She has XXXX CDs with US Bank. I provided POA forms and the branch manager said that the information I needed in the POA forms was there and set an appt. On Friday XXXX, I met with XXXX. I articulated that the POA had already been scanned into the system, and she said she still had to provide to Legal. I explained the specific information wanted for the accounts. XXXX took XXXX minutes to make copies of documents she already had on file. She additionally photocopied and submitted my drivers license which Legal told her was not needed. I am an efficient professional that used to work for this financial institution and multiple others. XXXX did not adhere to procedure, was not efficient with my time, provided incorrect ancillary information to Legal, and I felt as though I was discriminated against as I am from out of state. My grandmother has POAs for a purpose. Because XXXX took so long, I had to leave the appointment with nothing accomplished. Now my uncle will have to repeat this entire process at another branch. It was an excessive waste of time, and because I left the appointment, XXXX reached out to all numbers listed on the account trying to contact my grandmother. It was overreach and judgment on her part that was beyond inappropriate. Legal documents are established for a purpose. We now will continue to have to go through a process that US Bank has already caused to take XXXX weeks for us to update accounts appropriately. Its beyond ridiculous. I live out of state and I as trying to resolve this before leaving as we have no US Bank branches in our region. In addition, the IRA department of the bank can not save POAs and you have to go through this ridiculous process each time you ask for information. The IRA Dept advises you to go into the office as it makes the process faster. After XXXX minutes, I still hadnt gotten anything done. Processes and procedures must be updated for efficiency. This is elder abuse and discriminatory because one banker judged a situation from their own perspective. Further, I reached out to the Branch Manager who was helpful, but the regional manager did not return my phone calls. US Bank is predatory, excessively difficult to work with, and not consumer friendly.
Consumer complaint received 2024-10-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (IN)

In XXXX, I filed XXXX XXXX bankruptcy. In XXXX XXXX, my attorney passed. A new attorney took the case. In XXXX, the new attorney dismissed my case and had me to refile without my consent. I told the attorney not to dismiss the case. They did it anyway. Then the attorney tried to force me to change from a XXXX to a XXXX. I refused. The attorney bailed in XXXX of XXXX. I have not been able to find other counsel. Each one stated they would force me to walk away. 
The XXXX XXXX  was closed on XX/XX/XXXX. 
Balance of debt wiped out. Bank is saying they're going to foreclose on the balance they believe I still owe. Like I hadn't paid a dime to them through the bankruptcy court.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

Yesterday, I received an email notification from Experian saying my credit score had dropped. I logged in to see what had happened and the notifications said it had dropped XXXX points. However, the dashboard said there was no change. 

I tried multiple times to use the support center to get help, but there was no help for this. I tried telephoning, but they have an AI assistant that isn't very intelligent and could neither help me nor connect me to an agent.
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I applied for XXXX benefits, and I received the benefits that were required by XXXX and Loan was paid off in full on XX/XX/year>. Plus, I received a credit balance refund of {$880.00} for over payment on XX/XX/year>. So, the loan has been paid in full and I was not tracking any payments due with Navient anymore. 
I checked account to print loan paid in full letter and see an applied adjustment of {$680.00} on XX/XX/year> and call to figure out what this is, and I'm told that it's a was missed adjustment. I pay it so it wouldn't affect my credit. I paid XXXX payment {$300.00} on XXXX and {$290.00} on XX/XX/year>. Now I have a XXXX balance again thinking everything is complete. I check a few weeks later and again, now there is another applied adjustment of {$690.00} payment is due XX/XX/year>. I need assistance and explanation on why a Loan that's been paid in full. Keeps getting random applied adjustment. I'm going to pay {$690.00} so my credit is not affected but there just going to add another applied adjustment to loan that doesn't exist. I would like all my funds that I have paid to be funded back to me as the loan was paid in full and for Navient to leave me alone and stop make fraudulent adjustment and if there not to explain in detail why they are applying them. As it doesn't make sense.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

I made lump repayment ( {$10000.00} ) to my student loans during the pandemic. The government announced that any payments made during that time could be refunded by loan servicers. My husband is unemployed and our financial situation has drastically changed. I have made multiple requests to EdFinancial for a refund. I sent several emails through their website and chat feature. I have spent 3.5 hours on hold waiting to check the status of this with representatives. I have reached back out over chat multiple times. Everyone I have spoken to recently has said that they see the " first request '' as being made in XX/XX/2023, with the cutoff being in XXXX. This was not my first request. I am requesting this refund so that I am able to change over to the SAVE program and begin making regular payments. This is not something I'm financially equipped to do without this refund. There were multiple times throughout the forgiveness period when I called and was given a message that they were overloaded and that I would be called back, but this call never came. There were also multiple emails sent where I received no follow-up or email confirmation. It's impossible for me to know if this was due to their negligence or a technical issue with their system constantly being overloaded. At this point, it feels as though they are purposefully refusing to issue this refund in order to benefit from additional funds from me which I simply do not have. It is imperative that I'm issued the refund which I have every right to in order to get financially on track and participate in the SAVE initiative.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NH)

Subject : Complaint against Cash App ( Square , Inc. ) for Account Closure and Fund Withholding Date : XX/XX/year> I am filing this complaint against Cash App, operated by Square , Inc., regarding the unjust closure of my account, their refusal to release my funds, and their inadequate customer service.

**Details of the Complaint : ** 1. **Account Closure** : Cash App closed my account, citing issues with my legal ID. However, they have not provided a clear explanation of why my valid, government-issued ID was deemed unacceptable.

2. **Withheld Funds** : There is a balance of {$34.00} in my closed account that I can not access. Cash App has not provided a viable method for me to withdraw these funds.

3. **Inability to Add Debit Card** : Cash App 's system will not allow me to add a debit card to withdraw my funds, effectively trapping my money in the closed account.

4. **Multiple Unresolved Contacts** : I have contacted Cash App support more than 8 times regarding this issue. Each time, I am redirected between their app and phone support without resolution.

5. **Unsatisfactory and Circular Responses** : Cash App repeatedly states they have " thoroughly investigated '' my concerns, but they have not addressed the core issue of accessing my funds.

6. **Unprofessional Conduct** : During my most recent interaction ( Claim # XXXX ), a Cash App representative yelled at me and treated me disrespectfully.

7. **Violation of Terms and Conditions** : Cash App 's actions appear to violate their own terms and conditions regarding account closures and fund access.

**Attempted Resolution : ** I have made multiple attempts to resolve this issue directly with Cash App through their app, phone support, and email. Despite these efforts, Cash App has failed to provide a solution or even a clear explanation of the problem.

I believe Cash App 's actions violate fair banking practices and consumer protection laws. I request the CFPB 's assistance in resolving this matter and ensuring that Cash App adheres to proper financial service standards. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as needed!
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (TX)

I am writing to formally file a complaint against Discover Bank for their failure to respond to my repeated requests for financial hardship assistance. Since Monday, XX/XX/year>, I have been calling Discover Banks Executive Office of Customer XXXX at ( XXXX ) XXXX, leaving detailed voicemail messages each day, and sometimes multiple times per day, requesting a call back regarding a financial hardship application. To date, I have not received any response, which I find both unprofessional and concerning. I have explicitly explained my need for financial assistance due to hardship, yet there has been no acknowledgment or communication from Discover Bank. I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, hoping to resolve this issue, but I have yet to receive any resolution. 

I find this lack of response to be discriminatory and unacceptable. As a customer in need, I should have access to available financial assistance programs without being ignored. Discover Banks behavior is a clear failure in providing proper customer service and violates basic expectations of professionalism. 

I request that the CFPB investigate this matter and ensure that Discover Bank properly addresses my request for financial hardship assistance. Thank you for your attention to this complaint. I look forward to hearing from you and receiving a resolution.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A wire transfer on my account for the amount of XXXX and i didn't do it the bank didn't contact me about it and didn't even get a text about so I believe it was a inside job and now they are telling me that I did the transfer I have never did a wire transfer don't know how to do a wire transfer didn't know nothing about a wire transfer unit XXXX sheen it on my bank account so now they are telling me that I want get my money back i need help with this
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (NC)

XX/XX/XXXX Told to apply with GreenSky via a purchase for Windows with Renewal by XXXX ( XXXX ), completed on XXXX XXXX. We paid XXXX a down payment via credit card without using any GreenSky funds or access. 
XX/XX/XXXX Purchase Window Expiration Date of GreenSky Consumer Installment Loan Agreement XX/XX/XXXX Failed Installation by XXXX, halted and documented. 
XX/XX/XXXX Email and Text Courtesy Alert notifying a payment of {$40000.00} has been made to XXXX from your loan account. XXXX XXXX, if you do not recognize this payment. 
XX/XX/XXXX Rejection of the request via email and an XXXX response via text with explanation XX/XX/XXXX GreenSky responds to rejection confirming this merchant payment requestwas NOT approved. 
XX/XX/XXXX Notification to GreenSky, no funds could be legally dispersed XX/XX/XXXX Contacted GreenSky, we had no financial relationship or obligation. A case was opened by XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX We mailed letter to GreenSky informing the Installment Loan Agreement had expired, no transaction had been approved and no verification provided, yet GreenSky allegedly provided money to a merchant, who had not performed services, for a customer who had not requested or authorized any transaction with GreenSky. 
XX/XX/XXXX GreenSky closed the case stating, As a result of our investigation, we have determined that no billing error occurred.., provided from a NO Reply email. 
XX/XX/XXXX New case opened by Case Manager XXXX # XXXX. Multiple phone calls were received and recorded, in which XXXX states, GreenSky will not alter Installment Agreement Loan dates or anything about the loan. They will work with the vendor to correct their fraud and refusal to complete. 
XX/XX/XXXX Letter and email from XXXX XXXX stating, As a result of our investigation, we have determined that no billing error occurred. 
XX/XX/XXXX Email and Certified Letter sent to GreenSky, notifying of Re : Fraudulent Debt and Erroneous Credit Reporting XX/XX/XXXX New case # XXXX is opened with XXXX assigned. 
XX/XX/XXXX Letter from XXXX XXXX with GreenSky, alleging an XXXX Document titled XXXX Form, is an impetus for providing XXXX XXXX without the XXXX  authorization or verification. 
XX/XX/XXXX Email from XXXX XXXX, As a result of our investigation, we have determined that no billing error occurred.. 
XX/XX/XXXX Notice from GreenSky, your promotional period is ending. 
XX/XX/XXXX Email and Certified Mail, notifying GreenSky Fraud - Truth In Lending and Credit Reporting Violations XX/XX/XXXX XXXX is the XXXX XXXX  Account Manager for Case XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I used a 0 % APR balance transfer offer from Chase. I transferred {$2700.00} + {$130.00} balance transfer fee, for a total of {$2800.00}. I made some additional transaction, and my end cycle bill closed with a balance of {$2800.00}, with a MPD of {$40.00} on or before XX/XX/XXXX. On XXXX XXXX, I made a payment for {$1000.00}. Covering the purchases outside the promotion and part of my promotion. When my new bill gor XXXX came, I noticed a interest fee of {$6.00}. When I called Chase on XX/XX/XXXX, the agent told me that the payment received was allocated to the promotion and there's no way to move the payment betwen promotional balance and regular purchases. That the only way to avoid interest is by no making additional purchases, and for me to avoid any future interest is by paying off the entire promotional balance. This is wrong and Chase is not honoring the promotion details.