davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (CA)

Google Pay lost my balance. I was trying to transfer money out and now it's gone. 

I logged in to try to transfer money out. There's no way to do that apparent in the web app ( they probably moved it to the mobile app only, google loves doing XXXX like that to " nudge '' you into doing what they want. What's a forceful nudge called again? ). There is, however, an option to close the account. That flow obviously would lead to " you have a balance where shall we send the check '' Nope. It just dumped me on a support page. The help page says in order to transfer money out I have to reactivate the account and download the mobile app. 
Doing so just opens a new, empty account. Balance is currently missing. 

When contacted, their support refuses to acknowledge that funds are missing, refuses to acknowledge that something might have gone wrong, refuses to escalate ( I asked five times ). 

After five requests maybe a supervisor will get back to me. I requested confirmation that the case would shift to email but they couldn't or wouldn't provide that. They ( Google Pay ) shouldn't be allowed to operate a payment service. They're clearly not trustworthy enough to do good faith accounting. They clearly can not staff adequately to research or resolve problems. You kinda have to do that if you're taking deposits. 

I have zero confidence that they're operating in good faith. 
I have zero expectation that my balance will ever be recovered.
Consumer complaint received 2020-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

After my re certification in XX/XX/XXXX, I noticed that my IBR monthly payment was too high and I don't think they accounted for my XXXX XXXX XXXX  husband in the recalculation. 

At the end of XXXX of XX/XX/XXXX, I attempted to transition my IBR plan to the revised pay as you earn plan. I was told by the customer service representative that I could get enrolled in this play after paying a XXXX   dollar fee. I was expressly told by the customer service representative that I could make this payment to get the process started. 

I went online and payed the required {$5.00} dollar fee on XX/XX/XXXX expecting to get the process started. I have confirmed this date with my bank account. I was told at that time over the phone that it should take approximately 6-8 weeks. I have a letter dated XX/XX/XXXX that requested this {$5.00} dollar payment. 

I think I had additional call in the meantime checking in but forgot to document it. I have had such poor customer service that eventually I started to document my conversations. 

On XX/XX/XXXX @ XXXX I called Fedloans regarding my forbearance. I talked with XXXX ( employee # XXXX. ) She told me that my XXXX dollar reduced payment forbearance had not been processed yet. She told me that she released it so that it would be processed in 20 days. I was still on forbearance. I requested that she send something in writing regarding my next payment due date and that my plan had been processed. She told me the email would take 20 days to process. 

On XX/XX/XXXX, I made another payment for the {$5.00}. I am not sure why I had to make an additional payment. I have this payment documented in my bank account. 

Eventually, after multiple phone calls I was approved for revised PAYE in XX/XX/XXXX. I am filing a complaint because the inaccuracies and inconsistencies given to me by fed loans left me in forbearance from XXXX to XX/XX/XXXX. I am attempting to go for PSLF and it makes a difference as I wasn't able to claim any qualifying payments but was accumulating interest. I attempted to work with fedloans to make sure the process was happening but was given inaccurate information that has allowed thousands of dollars to accrue on my account. 

I think it is unfair to keep consumers in administrative forbearance due to the incompetence of the Fedloan servicing at performing their primary function. Unfortunately, in order to get PSLF I have no choice but to use this servicer. This is not the first time I have been placed on administrative forbearance because of problems related to fedloans management of my loans.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Both Equifax and XXXX  have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AL)

I have people sending me money through XXXX and PNC will not allow my back account to sync with their program. They also won't sync with XXXX. 
These are popular methods people are using these days for transactions and it makes no sense for PNC not to allow me to deposit or withdraw money to send in this manner. I had to open a different account with another bank to access the {$200.00} I had locked up in XXXX.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the information.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX Experian claim that I have bankruptcy and medical bills, some referring to XXXX treatment, I am healthy, never had XXXX, further more, if there are any issues with medical records or bills then the VA should have handled them. I am a victim of identity theft. I am starving to death. I cant find a job, get insurance, apparently someone is already getting benefits in my name with ssa. Im stuck. I have three credit bureaus telling blatant lies and refusing to disclose even to me the extent of the problem. Im sick of sitting on my hands hoping that someone will help. If this doesnt imply how much in dire straits I am in, I guess Ill have to start helping myself
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. 

I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional
Consumer complaint received 2020-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I recently submitted a complaint to CFPB in regards to an amount Nissan is now saying I am to pay which is {$660.00} due to a partial payment being made in XX/XX/XXXX and {$92.00} is an amount left over to pay, making my payment increase to {$660.00} and that my contracted amount is still {$570.00}. I have been affected by Covid and I have requested extension for XXXX and XXXX there was no payment made making any balance owed of {$92.00} to be tacked on to contracted monthly payment making it {$660.00}. The last payment I was able to make was in XX/XX/XXXX and it was for the full contracted amount of {$570.00}. Before that also payments were made as agreed According to contracted amount before financial hardhship. Since XXXX of XXXX the history shows Nissan stating my monthly payment amount is {$660.00} and not XX/XX/XXXX. And the last time posted per statement of contracted amount was back in XX/XX/XXXX and by that appears Nissan changed my monthly payment amount wayyyy before this year came into play. Per-attached shows the changed payment amount to {$660.00} happening back in XX/XX/XXXX per Nissan Statements I recieve online per their portal.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX  ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX, where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (AZ)

My Identity was stolen a few years back and accounts have popped up from time to time. a XXXX XXXX XXXX  account and a couple of over accounts were opened and eventually defaulted on. GC collection services is refusing to work with me. 

Under 605b, You are required to provide a police report and FTC affidavit which I did.If that information is provided is must be deleted by XXXX and GC services. 

If you submit a copy of a police report to the CRA, the CRA must remove the identity theft info without any need for creditor review or concurrence. A police report is a sworn statement before a law enforcement agency, and thus has potential for action against the consumer for any knowingly false statements, and is the FCRA-approved manner of getting rid of fraud and identity theft accounts from your credit report. The dispute process is not usually the manner to deal with them.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

US Bank, at branch level, closed my account and restricted access to online and statements. I communicated 2 months and was lied to by 4 different individuals as to why account was closed. US Bank stamped a check account closed onXX/XX/XXXX. I was told the account was NOT CLOSED shortly after. I received a letter XX/XX/XXXX stating after the date of the letter the account will be closed. This has caused other banks to put holds on my accounts causing declined payments in turn causing fines, fees, and heartache. My credit has been damaged terribly. I was also discriminated based on my religion from branch manager. I was restricted grow withdrawaling funds and there was no hold, and it was available. Even the phone bankers and the teller told me the money was there and available, but just wouldn't release. I've been waiting 3 months for resolutions. Haven't had any call backs and no one gives answers. I just received statement on Fri XXXX of XXXX. Outrageous. I now have restricted access to my XXXX accounts due to their closing and opening of my account without informing me. Please help
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NE)

I filed chapter XXXX bankruptcy and we had an account with Ally Bank for a car loan. We did not reaffirm this loan in our bankruptcy. Ally continued to send late payment notices to XXXX. They even closed the account and opened it back up to only record another late payment. We have disputed this account 8 times and have attempted to call them. We have tried to talk to XXXX  and they say they are supplied with the info and report. We have even had our attorney contact them and they seemed to get mad and open it up and nail us with another late payment. My wife had the same account and they reported hers accurately. We are two years from our bankruptcy and my wife and I are getting ready to purchase a home. We have worked very hard to rebuild our credit and this company has continued to harass us.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to The Consumer Financial Protection Bureau to inform you that there was fallacious reporting of late payment on my credit report for XXXX XXXX XXXX ( account number : XXXX XXXX XXXX ), late payment were reported for the month of XX/XX/2022. After multiple times respectfully requesting to remove inaccurate information from my credit report, and sending proofs of not being late on my payments, I requested a letter from XXXX XXXX XXXX stating that I was not late, and the original creditor took full responsibility for the late reporting and corrected their internal data base to reflect no such late reporting after submitting the proofs for disputing violation from credit bureaus reporting false information, I received a letter from the credit bureaus describing that the late payment was verified with the creditor, this is 100 % a false statement because, I have a recorded phone conversation with XXXX XXXX XXXX where representative after checking my statement by voice confirming that I have never been late in payments. Please see attached with the reversal of the late in the statement. I trust that you will give this matter your undivided attention,. I am currently in the process of obtaining a mortgage and this late reporting is preventing me from getting a mortgage. 

Violations codes According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.5.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

This is the 2nd time I have tried to link my checking account at PNC using XXXX to pay my personal loan at XXXX XXXX and they have blocked it. I don't see the issues as to why this keeps happening when I am simply trying to pay my loan payment. Can someone please help?
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (NY)

I started to receive magazine subscription invoices, one after the other starting with a billing date of XX/XX/2022. The 1st was for XXXX XXXX XXXX for {$15.00}. It was sent to a " XXXX XXXX XXXX at my address. I have never heard of this magazine and never subscribed to this. I contacted the company and told them I never subscribed to this magazine. I received another for XXXX XXXX for {$69.00} due XX/XX/2022, XX/XX/2022, XX/XX/2022 and monthly with past due statements.. I got an invoice for XXXX XXXX XXXX for {$29.00} and another invoice for {$29.00} due XX/XX/2022 and monthly. I got another invoice for XXXX 's XXXX XXXX for {$35.00} monthly. I got another invoice from XXXX XXXX for {$12.00} with a due date of XX/XX/2022, XX/XX/2022 and XX/XX/2022 and monthly with past due thereafter. I got another invoice for " XXXX XXXX '' The XXXX XXXX ( I never heard of this ) for {$40.00} due XX/XX/2022, XX/XX/2022, and monthly XX/XX/2022 which states that I ordered XXXX and XXXX XXXX. I got another invoice for XXXX 's XXXX for {$19.00} due XX/XX/2022. 
Note, I do not read these magazine. I never subscribed to any of these magazines. Some were sent to " XXXX XXXX '' and some referenced an old address of mine. I believe that this is a scam to collect money. This is fraudulent and possibly identity theft. 
Today XX/XX/2022, I received XXXX XXXX XXXX XXXX debt collection bill for {$29.00} to collect a debt for XXXX XXXX XXXX which may be related to these magazine invoices. I am disputing this debt by mail.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (MI)

I began the mortgage process with  XXXX   XXXX  for purposes of obtaining a HARP loan. When I received the paperwork after faxing all the required information and after they pulled my credit record.   there was NO Federal rate lock form or any figures regarding my guarantees on being in the HARP program or costs nothing. He apparently, intended on trying to pull the wool over my eyes and put me into some other type or mortgage. When I requested he give me something in writing saying this is what he was using my information for he never responded. When I requested the proper paperwork after I busted him out he never responded.   Here is his information :  XXXX   XXXX   Senior Mortgage Professional   Presidents Club  NMLS ID #  XXXX  Description : Description   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  CA  XXXX  Toll  XXXX  :  XXXX   XXXX  x  XXXX  Direct :  XXXX   XXXX  Cell :  XXXX   XXXX   XXXX  Fax :  XXXX   XXXX  Email :  XXXX  XXXX  XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I thoroughly reviewed again my credit report and I can still see the unverified and erroneous item that need reporting and correction through your company. The item below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.