davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

To Whom It May Concern : Attached is a copy of an email I sent to COINBASE on XX/XX/XXXX. 

As per the email, I have tried numerous times to access my account which has approximately $ XXXX. As of today, I have still not been able to access my account nor have I received any answer from them other than the automated email they send out! 

I contacted the U.S. Securities and Exchange Commission, hoping they could help me. 
They suggested that I contact your agency. 

As you can imagine, I am deeply troubled and frustrated not being able to access my money! 

Any help you can provide would be greatly appreciated. 

Looking forward to hearing from you, XXXX XXXX XXXX This is what i sent to Coinbase also : To Whom It May Concern : I had an account with COINBASE for a few years. Unfortunately in XXXX, XXXX my phone was lost and with it, all my information, therefore my two step verification doesnt work and I am not getting any text messages. Since that time for the past FOUR MONTHS! I have been trying to recover my account with COINBASE without any success! 

I have followed ALL the instructions numerous times to no avail! 

My last transaction before losing my phone, was on XX/XX/2020 reference # XXXX in the amount of {$9800.00}. Since then I have not been able to do any transactions! I have monies tied up in my account with no way to access it. 

On XX/XX/XXXX, I got as far as your verification page! I submitted my drivers license and selfie picture. On XX/XX/XXXX, I received an email stating that my account recovery was unsuccessful! On XX/XX/XXXX, I responded to your email - the case is # XXXX. Although your email states it takes 4-5 business days to respond, it is now 7 days and I still have not heard anything!

I would like to reiterate, that I have over the last four months tried numerous times and have responded each time to the instructions, yet I have still not been able to access my account. 

I am quite anxious about this as you can imagine and will appreciate hearing from COINBASE and resolving this issue. 

Thank you for your prompt attention and assistance, XXXX XXXX XXXX Cell Phone XXXX
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Spoke with XXXX and she will not release the hold on my check what so ever and the deposited check has cleared the other bank {$500.00} deposited XX/XX/19 cleared XX/XX/19 And they declined to release the hold, claimed their had been a stop payment placed on it and there has not. It has been with drawn and cleared from XXXX XXXX XXXX XXXX and paid by XXXX XXXX XXXX XXXX. 
They refuse to release hold ... the claim the check again had a stop pay and it did not they claim the check was not paid and it was. They refuse to release the hold on MY MONEY violating Reg CC
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX I receive a call regarding a friends refund, I proceed to call my friend to verify and my friend response was yes, I continue with the call and the scammers download an app called any desk in which they get into my phone and thru cashapp they started to make transactions with my contacts they didnt succeed and then went to zelle and made a money transfer under my name with a different email address from my chase account, the amount was {$2.00} I tried to stop it but it was too late. I turned off my phone and immediately call chase to report. I did a follow up and XXXX said that they will not refund any money and that I have to wait for zelle to respond. At this point I dont know what to do. Can you help me with this issue? Thanks. 
This is the email which the scammers used XXXX And the phone number they use XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CO)

My complaint against COINBASE crypto currency exchange : I did 5 selling orders but it stuck in their system the transaction didn't go through ( frozen ) it started on XX/XX/2021 I submitted support ticket # XXXX and sent official complaint to the company I didn't get any help but empty promises. More than tow months of waiting I lost many opportunity to trade and benefit from market movement. In this new space the company promote itself as ( fair, transparent, efficient and trusted platform ) and that what bring me to them but they neither held themselves to that standard by building functional platform nor they put in efforts to meet their obligations towards investors - that put their trust in them -by hiring enough support staff to meet the demands. 

My selling orders : 1- XX/XX/2021 XXXX XXXX 2- XX/XX/2021 XXXX XXXX 3- XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I was notified by a government agency that interfaces with financial institutions or any other entity that uses your SSN to make sure that your are n't hiding money or assets for government programs. It was brought to my attention on XXXX/XXXX/XXXX by the government agency that it uncovered two Wells Fargo accounts, a checking and savings account. They gave me the account numbers and told me that the accounts both had a {$0.00} balance and the last statement was XXXX/XXXX/XXXX that also showed a {$0.00} balance. I called Wells Fargo and inquired about these accounts and told they were both opened on the same day, but closed on different days, but opening and closing days seemed to fall on the last day of the month I noticed. I was told I went into a branch and opened up this account with {$100.00} and there had been activity on the account ( s ) bringing it to the {$0.00} balance. Wells Fargo could n't give me any information about what identifying factors per the Patriot Act were used to open up these fake account, I asked in what state was the drivers license issued - could n't disclose it, asked what other pieces of identification were used to open this fake account - would n't and could n't tell me, but yet they, Wells Fargo will ask for your SSN to uncover these fake accounts that were opened and closed within a matter of months, but wo n't give you any information about " your '' fake account with your information. 

1. I used to work for the insurance division of Wells Fargo when it started off as XXXX. 
2. I NEVER went into this Wells Fargo branch in Texas at XXXX XXXX XXXX in XXXX, Texas to open up any account whatsoever with any money. I do n't know where this location is, did n't live by it and there was no reason for me to drive that far when there was one near my home. I was and still am on a fixed income now and did n't have the money to open the account. 
3. When I did have Wells Fargo products way back when and after I worked for them after they laid off employees, I went through a divorce, filed for bankruptcy and my Wells Fargo credit card was included in that Chapter XXXX filing, so why would Wells Fargo be willing to open up a checking/savings account in my name after they took a loss due to my bankruptcy? 
4. Wells Fargo created these fake accounts and suppressed account statements from being generated so their victims would n't receive statements because it would alert them as to why are they, or why am I receiving a statement from Wells Fargo when I do n't have one.
5. I do n't use banks, I strictly used credit unions and I have several of them and my Social Security XXXX Income has always been direct deposited into the # XXXX XXXX XXXX, XXXX XXXX XXXX during the time you fraudulently opened up these fake accounts with money that was n't mine. 

I am embarrassed that I was ever employed by XXXXWells Fargo!!!!
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
Consumer complaint received 2021-07-05
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. (NC)

I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.
Consumer complaint received 2017-10-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Recently I checked my credit report due to all the credit bureau breaches and mishaps. Upon reviewing my credit report Ad Astra Recovery XXXX is listed on my credit report from 2012. I do not own this account and it is not mine. I have called Ad Astra to correct the incorrect info listed on my credit report to no avail. I have never received any written information from this company and I am being held financially accountable for an account that is not mine.
Consumer complaint received 2019-05-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (FL)

Ok I XXXX my husband to XXXX last month XX/XX/2019 I spoke to a specialist at phh mortgage services they said my mortgage was upside down and I couldn't do anything about it I wanted to lower my payments because of the struggle I'm going through I've reached out to so many lenders and nobody helps this is completely unfair XXXX  XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NC)

Apple Card. I became aware XX/XX/XXXX. I had never heard of the card. I have not received the amount charged or account number. I have filed a fraud report and police report. 

They also used my XXXX card. They have closed this account and placed charges in non collection.
Consumer complaint received 2021-07-05
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. (PA)

I have continuously complained and disputed various INQUIRIES on my credit report with Equifax. I have written them letters. I have formally filed disputes. All to no avail. I have vehemently denied these inquiries. XXXX has removed them from my credit file. Equifax does nothing I have worked diligently on my credit this last year, so I find it totally unfair to be penalized for negative information on my credit file that does not belong to me or was not authorized by me. The following is the list of Unauthorized Inquiries on my Equifax Report. 1 ). XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XX/XX/XXXX, 3 ) .XXXX XXXX XX/XX/XXXX, 4 ) .XXXX XXXX XXXX XX/XX/XXXX , 5 ). XXXX XXXX XX/XX/XXXX, 6 ) .XXXX XXXX XXXX XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX I state under penalty of perjury that I did not authorize or request these inquiries. I would request that Equifax do their diligence and find out who did.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed my account due to a check that I deposited for {$260.00}. Initially the check was on a hold, then the funds cleared, but then I was trying send a payment to my credit card and the payment would not go through. I called Chase on XXXX XXXX XXXX and they let me know that my account had been restricted and was pending closed within the next 24hrs. When I asked why, they said that they could not verify the maker of the check and subsequently results in the check being flagged and account being closed. Then after being sent to multiple people I was instructed to take this issue up with the payroll company issuing the check. I did and they sent me a confirmation showing that they funds has been posted on their end and there should be no reason for the bank to hold my funds. So I called Chase back on XX/XX/XXXX, and spoken to another person and he relayed that there was nothing he could do and there was no verification in their database for the maker of the check. Which was interesting to me considering this check is issued by XXXX a payroll company that partners with the XXXX XXXX. Studio in XXXX XXXX, CA. Which is where I worked and got the check from. He told me to keep calling back because the check could possibly he verified at some point. No specific date, or time frame. Just at some point, if not after 2 years the fund will be handed over to the state, in which they will deal with it. I gave him the office number for the payroll company, but he told me he couldnt call and verify because the number didnt populate in his database. So I asked him how I was ever going to receive my money if he or anyone else who works for Chase is not allowed to call unverified numbers. Again how am I supposed to receive my funds if they can not verify. Upon further inspection I saw my last name and address were spelled incorrectly in the check which leads me to believe I was flagged for fraud. I have contacted the payroll company and have escalated the matter to their higher ups as well. Chase also claims I will receive a cashiers check for the other balance I had prior to depositing the check.Thank you, and look forward to being in contact.
Consumer complaint received 2022-08-11
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I called you exactly on XX/XX/2021, and specifically requested for you to STOP AUTOMATIC DEBIT FROM MY PERSONAL CHECKING ACCOUNT MY MONTHLY MORTGAGE PAYMENT FOR XX/XX/2021. I spoke directly with your customer service number representative. You ( PennyMac ) went ahead and deducted XXXX 's mortgage payment on the XXXX, completely ignoring my customer request. I want the mortgage payment to put back into my checking account immediately along with the over-draft fee of {$32.00} my bank charges my account. This is the second time I have had trouble with you ( PennyMac ). I am reporting your unprofessional and unwanted activities about my account with you to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau as complaints with the way you conduct your business. 
Last month you called me on the XXXX and left a message about my loan payment being late, when it is not late until the XXXX of the month, and now this incident. I do not know why as a holder of my mortgage that you keep bother my account. I believe it is because I am a XXXX woman and a veteran. You advertise as being the best in helping veterans with Home Loan and that is not the truth. I am seeking to find a better mortgage company as soon as possible. I am sick of your harassment of my home loan. I have been a faithful accurate paying customer. I will not accept this type of business conduct from any merchant. I am also notifying the Veterans Administration about your services to VETS!
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} CREDIT COLLECTION SERVIC with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX OXXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2017-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.
Consumer complaint received 2017-10-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servis One, Inc., Titusville, PA Branch (GA)

I acquired a home improvement loan on XXXX XXXX, 1997 XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00}. The  payments are XXXX per month and these payments have been consistently drafted out of my personal checking account. BSI, the financial service that collects for this company, sent me a bill stating that I owe approximately {$19000.00} and to settle this account, I will need to pay {$27000.00}. The letter indicates that non-compliance would lead to foreclosure. Upon my investigation, XXXX XXXX XXXX XXXX does not have a physical address as indicated on their website. This loan is not on my credit report and from my understanding, credit reporting is not a common practice with this business. Strange!!! 

XXXX XXXX XXXX XXXX XXXX utilizes unfair and deceptive business practices along with preying off the weak or consumers who lack knowledge. 

Lastly, in corresponding with the Pennsylvania Department of Banking and Securities and the Florida Office of Financial Regulations, BSI Financial Services and XXXX XXXX XXXX XXXX are not registered to collect debts from consumers.