davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2018 I opened a line of service account with XXXX and when I asked if the credit check would be a hard inquiry I was told no. The inquiry was made and is now on my report as a hard inquiry. Ive contacted XXXX and they have offered no help in correcting my credit report to match what I was told.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however Chase Bank continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for Chase Bank to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : Chase CFPB Complaint : XXXX Credit Bureaus Complaint ID : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Thank you for your assistance.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

www.paypal.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX They have a large sum of my money ( about {$1600.00} I think ) they won't release because I can not remember the email address & phone number I last used which has changed numerous times, since I last used the account several months ago. But I can prove they have my money because the XXXX XXXX statement shows the transfer of {$2500.00} to my Pal Pal account on XX/XX/XXXX. That account was opened XX/XX/XXXX. I was able to tell them my last transactions and a lot of other information no one else could know. I also gave them my SS # of course Manager " XXXX '' ( he pronounced instead of XXXX, whom I spoke to on XX/XX/XXXX ) lied and said they couldn't find the account. 
I spoke to Pay Pal Manager XXXX ( Employee # XXXX ) XX/XX/XXXX Located in XXXX Arizona said her couldn't help. 

I also went through my phone bills with a Pay Pal employee and couldnt find the number. But they do have my money. There are plenty of other ways to verify my identity. 

FEDERAL TRADE COMMISSION REF # XXXX XXXX
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

In XX/XX/XXXX I had a loan with XXXX XXXX to pay my son 's XXXX XXXX XXXX tutoring. I was a co-borrower and the borrower has past away. I have tried to make payments and the balance never goes down. In XX/XX/XXXX the balance was still over 8000 on a XXXX loan. I feel that this is invalid and I am being scammed by Navient/XXXX XXXX.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I recently had been working with a credit consolidation company XX/XX/XXXX-XX/XX/XXXX Because I had accounts that were not mines do to the open status dates. I was sure I did not open those accounts. Which after months of letters being sent out to XXXX XXXX which name is now XXXX XXXX XXXX. while checking credit after 30-90 days. It turned on all credit reports that the debt were dropped off my credit. because those accounts were not mine. That was in XX/XX/XXXX. Now its showing up months later on my credit report again.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

The company XXXX XXXX XXXX sold us furniture and related items on XX/XX/XXXX for {$3000.00} dollars. They delivered different furniture than what we picked out, They will do nothing!! and claim I signed a sales order that states all sales are final, no refunds. There sales order # XXXX is a forgery and never signed by me. I have filed a complaint with my bank The bank stated onXX/XX/XXXX by " XXXX '' there claims representative the bank has no liability to help me. Wells Fargo has a responsibility to protect me from fraud and missrepresentation
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (WA)

As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$25.00} for a incoming international wire transfer dated XX/XX/2018. I had been given different explanation about the charge when contacting with Chase customer service representatives. One explanation is it was charged by sender 's bank. Second was it was charged by intermediary bank.  Third was it was charged by Chase following remitting bank 's instruction. I told them sender 's bank already charged their fee of AU {$12.00} and it was debit from balance of the account it was printed out in the transaction report. If there was intermediary bank,  please provide information of the bank name and transaction reference id which they refuse to provide the information. For the third explanation, it's ridiculous because senders bank would not benefit from the charge so why they would instruct Chase to take my money and why Chase has obligation to follow such instruction. Chase has no right to take my money without my acknowledge and agreement. I have records of all the responses from Chase customer representatives. I think it is ripoff for Chase to charge undisclosed fee. I want a refund.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (WA)

I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I have had a very difficult time with XXXX XXXX XXXX. I have recently applied for a modification. I was denied after a 3 month attempt. I could never get a hold of my assigned rep XXXX XXXX. I would always have to resend the same documents over and over. Once I was finally in review after weeks of sending document I was declined. I was declined with the incorrect income. So after weeks of sending documents Rushmore reviewed me with the wrong income.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, XXXX XXXX
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus. 

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

they let XXXX XXXX pull my credit twice in two days why? 

XXXX XXXX  cra violation inaccurate info XX/XX/XXXX Credit Unions XXXX XXXXXX/XX/XXXXCredit Unions
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello team, I was using the Coinbase to trade the virtual currencies. On XX/XX/XXXX, they have locked my account, asking me to submit my ID again ( which I did already in the past and I was allowed to trade ). After trying to submit the ID more than 50 times, the Coinbase is stating they can not verify it. 
I have decided to close the account and take my money back to my bank account, as I lost my trust in Coinbase. In order to withdraw the money, Coinbase asked me to send the money on their account.

After doing so, I received that Coinbase is not able to process my deposit as my ID is not validated : " We appreciate your interest in Coinbase! However, we're unable to process your recent deposit for XXXX EUR sent on XXXX because : Your account and ID will need to be verified before it is active '' Now this is chicken and egg issue and I am tired of trying to get my funds back. 
I have raised multiple tickets with Coinbase / tried calling them, but have not received any respond back. 
Please help me to see how can I retrieve my personal funds from Coinbase back to my bank account. 
Tickets Opened : Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-26
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my Equifax credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by Equifax and XXXX XXXX. Equifax has repeatedly refused to block items by XXXX XXXX  on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX  has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX breach has cost me and consumer billion of  dollars XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open cra violation not mine no knowledge of acccounts Payment Status Current Status Updated XX/XX/XXXX Usage 111 % Balance {$7200.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$210.00}
Consumer complaint received 2018-01-26
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: Experian Information Solutions Inc. (MD)

I have been dealing with Experian and XXXX  sinceXX/XX/XXXX in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX  and Experian needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/XXXX with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXXasking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (CA)

XXXX XXXX XXXX began calling me 3 weeks ago claiming I had a balance due with XXXX XXXX XXXX ( they have an F rating with the Better Business Bureau ). I had closed my parking account at XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX in XX/XX/XXXX with no monies owed. JNR claimed I owed different amounts to the facility, during the first call they claimed a balance of $ 300+, in another call JNR they claimed it was {$170.00}. 

I experienced bad service while a customer at XXXX XXXX XXXX XXXX : 1 ) XXXX XXXX  could never get my tag to work through the front entrance..I had to enter through the back alleyway ( they never fixed the problem ), 2 ) I returned my fob/tag to the facility and did not receive my deposit back, 3 ) I often found XXXX  employees sitting or leaning on my vehicle when I was parked near their valet service, 4 ) I could not get 24hr access to my vehicle, the XXXX XXXX XXXX was often " on break '' during non-peak hours, 5 ) When I had to enter through the XXXX lobby I was frequently treated unprofessionally and asked questions or denied access ( profiling -yes! ) I contacted XXXX XXXX XXXX directly via email ( my phone call messages weren't routed or returned ). I worked with a representative named XXXX. I forwarded XXXX the email correspondence from XXXX XXXX and XXXX XXXX from XXXX XXXX two representatives that I had previously worked with to close my account. On XX/XX/XXXX, XXXX emailed me acknowledging that XXXX XXXX was going to remove all fees, clear the account and remove JNR 's collection actions. I have this email from XXXX as proof. 

To date - I am still not sure if my account was cleared. JNR has still contacted me. When I followed up with XXXX regarding this matter, she replied that she will leave the account open with JNR and they will be my only means of contact. XXXX at XXXX XXXX will no longer reply to my emails or provide any details. 

JNR has refused to investigate the matter. The last representative I spoke with gave me a non working number to contact XXXX XXXX again. JNR has been unwilling to investigate this matter saying " it is your problem '', all they ( JNR ) have to do is " provide ( a wrong ) contact number to the business ''. 

I am getting the runaround from JNR and XXXX XXXX XXXX, neither company is working on my behalf to clear my account. XXXX  XXXX agreed to clear my account and then didn't follow through. 

This treatment is unprofessional, unethical and possibly illegal.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please