davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business Financing Corporation (FL)

Myself and my fiance signed for a very bad loan program to help fund his small business. After medical issues and not being able to pay, we defaulted on the loan. We were contacted by several people with several companies about the debt to pay back. They offered to do payment plans. When I told them what we could pay towards the debt, they said they had to see all of each of our bank statements, we told them the account was closed after they over drafted. I was receiving unemployment benefits. After figuring out who was responsible for holding the debt, I again stated we could pay a certain amount each month but we were not providing any more bank statements. Since then we havent received contact until they sent an email today with all of our old email accounts including ex spouses and family members with the details of our default and to contact them for payment. This loan was a scam from the beginning and now they are harassing us and threatening us personally if we do not provide them bank statements.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

My job filed for partial unemployment, two weeks have gone by everyone has received card yet im the only one waiting, and I have checked and it has indeed been loaded with money multiple times. I really need my money and have faced 3 hour wait times no one answers. I have bills to pay and kids to feed. Thanks a lot XXXX for being absolutely no help at all.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In XX/XX/XXXX I opened a New lease with Nissan Motor acceptance Corporation for a XXXX Nissan XXXX for a 36 month lease. In XXXX XXXX XXXX traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to NMAC. I received an end of lease liability statement from NMAC for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from NMAC for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called NMAC in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted NMAC in XXXX & XXXX. I asked them to remove the XXXX XXXX XXXX  late payments from my Credit Report and any Negative terminology. The letters from NMAC indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Consumer complaint received 2020-04-27
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (WI)

Affirm is contacting me via phone multiple times per day along with emails and txt messages to try and collect even a early as my due day! Sent email asking them to stop, but nothing has changed. Even brought up the Fair Debt Collection Practices Act, and still no change in the harassment by Affirm!
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check from a friend for {$21000.00} into my account. They have since closed my account and refuse to release the funds even though my friend and the issuer of the check are going through hoops to verify that the check is legit. They said the only way to verify my friend is through a cell phone that is registered to his name. He tried the one he had and then went and bought a new phone and still they said their computer program they use will not verify those numbers. They say that it could take 6 months for the phone to get verified. Ive had to get a new bank account and change my bills over to the new account. Countless visits and phone calls have just been a waste of time and my friends {$21000.00} is stuck in a closed account with no explanation how to get it released.
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

On XX/XX/2023, I purchased a Vanilla Giftcard in the amount of {$500.00}. When I went to use the card, it turned out to be a fraudulent card. I reached out to Vanillagift.com and was instructed to send over pictures of the card to the following email : XXXX. 

It has been almost 4 months since I heard back from them and the case is still open, which is XXXX # XXXX I always check the gift card prior to purchasing, and outside of opening it in the store prior to paying, I wouldnt have known this was fraudulent. Also, the card has a hologram on it which the previous Gift cards do not have it. I often buy the Vanilla Gift cards and this is the first time Ive seen this hologram. Please see attached pictures of the following : A. Receipt and authorization note saying card is activated. 
B. Gift card as it was when I opened. 
C. Front of Gift card showing hologram. 
D. Gift card showing the barcode separately as it fell off. 

I highlighted the receipt authorization with the correct card number and also highlighted that same number from the card to show this transaction is valid.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX ( TransUnion and XXXX ) and XXXX ( XXXX ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that XXXX was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.
Consumer complaint received 2023-10-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (OR)

I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (OR)

I keep getting text messages since XXXX XXXX XXXX XXXX number ( balanced health recieveables debt collector ) about an XXXX XXXX account that is past due but Ive never received any form of written communication about this debt that Im not sure that I even owe and I am nervous to contact this number in the text and get scammed
Consumer complaint received 2023-10-17
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is a Capitol One charge. 
I am questioning that I made a purchase for {$220.00}. 
The date that my credit card was charged is XXXX. 
The time of the transaction was XXXX XXXX. ET This charge went to my bank ( XXXX ) the same day. 
My Acct was debited thru the bank at XXXX XXXX. CDT I spoke to the manager to get this information. 
It was done by electronic withdrawal. phone payment PPD ID XXXX 
I called disputes at Capitol One. I called 2 times. 
I requested that they look into this matter. 
Today, Monday, XXXX XXXX I spoke with the dispute dept. i talked with a supervisor ... his name XXXX. 
The time... the call ended was a little after XXXXXXXX XXXX. 
He said that there was nothing he could do. I was told that I called this in on automatic payment. I'm simply trying to justify this charge. 

The next problem... I went to my phone call log thru XXXX. I called XXXX twice about this issue. 
I got no response. I went to the XXXX store. I did get a paper copy of my XXXX phone calls ; but, the date that i would need to explain this issue was missing. As a matter of fact, XXXX XXXX, XXXX & XXXX XXXX are not in my call log. 
I can't get any more help from XXXX. 

I need to settle this problem. 
If no-one can help me I want my balance owed to Capital one reduced by this amt ; and, I want Capitol One to put back the funds to my bank account. 

Please advise me.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I didn't giving JPMCB CARD SERVICES permission to obtain a copy of my credit report. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Please accept the following as both a formal complaint against PHH Mortgage and as Notification of Intent to Defraud ( Fraud, Theft or Intent to Defraud ) by unscrupulous mortgage holders that has come to my attention during the COVID-19 crisis. 
Due to the crisis I contacted PHH Mortgage in an attempt to have 1-3 months of my mortgage payments waived. They did not offer a waiver option but did in fact offer a deferral ' option but its the terms that have me seriously concerned. 
1. they would defer 3 months payments 2. At the end of the deferment all payments deferred would be due in a lump sum 3. If I was unable to make this payment they would consider other repayment options which they would not disclose or possibly a refinance option For folks that have lost employment and with the crisis continuing for at least another month I find it nearly impossible that I ( or others ) would suddenly obtain funds to make a lump sum payment for any deferred monthly payments. 
Is my concern that this practice is laying the ground work for astronomical rates of foreclosure and/or will force customers into a less then equitable refinance positions. 
At this time I am formally requesting that your offices review this practice and determine if it is legal or fair.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXX at XXXX I made a cash deposit in the amount of {$1100.00} at a CitiBank Branch atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The atm said due to a technical error we can not accept nor return your cash deposit. And it printed a record stating Im sorry. Because of technical problems, I cant return your cash right now. I immediately called the customer service number provided XXXX the message said that the mobile bank system experienced and outage and would take an hour to restore however that didnt apply to the transaction I was making, and the customer agent said try to make a second deposit. I made a {$20.00} deposit and it cleared just fine at XXXX. No one could help me with this technical error matter because on their end it didnt show the deposit. Which was the point I was trying to make to them if it didnt accept nor return my deposit of course its not going to reflect on their end. I contacted the XXXX police dept to make a police report and they said they dont make police reports regarding situations like these.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo hold up doing an Claims by investigations and that takes too long. All i want is my money back in my account when i submit a calim -- no more of this computer AI XXXX. No one needs to investigate the claims, they just need to return the money, and not threaten to take 10 business days as they claim. It takes two seconds to return the XXXX money!! 

give me my money back from these claims!!
Consumer complaint received 2023-10-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

To whom it may concern, I went to the bank Truist to deposit {$800.00} to my bank in cash to the ATM. The date was XXXX,XX/XX/2023 The deposit went through the atm and showed up on my bank account like normal. Now Tuesday XX/XX/2023 the bank removed the deposit claiming they have never received the deposit. I went to truist, and they said they didn't find any record of it from the ATM. I asked them to investigate more about it because there was no way they were going to remove the deposit and say a month and half later it was never made. I called over the phone Today XXXX  XX/XX/2023 calling to ask what was concluded and what happened to the deposit. The gentlemen on the phone said they concluded the investigation and that the " analyst '' didn't see the deposit made. We kept asking him if they checked the cameras, if they did everything because I deposited that money but again, he was clueless didn't know what to say. As well as members from the bank have told me it has also happened to them. i want to speak to someone hire up and want them to investigate personally and show that camera that I deposited. THEY ARE STEALING, it is not okay.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

My home loan was sold to Truist. I had been paying every 2 weeks when I was with XXXX. In XXXX I was informed by my bank that Truist had sent my payment back. I called Truist to ask why. I was told there had been a glitch and that I would not be charged a late fee nor reported. I made payment. I started receiving info from credit cards that my credit had now been rescinded due to late property payment. I called Truist, was told they do not honor bi weekly payment I had with XXXX XXXX. I asked why I was not informed and was not given an answer. I was asked if I wanted to file a complaint for correction. I said yes. I was told it would " probably '' be denied. I received a letter denying my request. I have the letter from the bank saying they sent back payment. In addition, since I pay bi weekly there should have been money in the holding account that could have been applied. Truist has now sent me paperwork for people who can no longer make house payments despite the fact my payments are up to date. PLEASE stop them from harassing a hard working single mother.
Consumer complaint received 2023-10-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

These are American Express Business Gift Cards. I purchased XXXX XXXX {$100.00} cards in XXXX or XX/XX/XXXX. Have used all but the last 2 and since XX/XX/XXXX have tried to use them online and in store for the and no one will take them. Online on XX/XX/XXXX I tried to use it on XXXX, it took the card and did an authorization but then declined it. The amount was for around {$75.00} which was under the {$100.00} balance. Had to wait several days before the Pending charge was removed. The cards still do not work anywhere. 

In Store it just says " Not Authorized ''. Tried XXXX XXXX twice. Contacted Amex support today XX/XX/XXXX and was told nothing was wrong with the cards to try another in store transaction at a different store and that only some store will take it now because of New Security features on the cards that require the Security Code. However at the store no where to input the code. Was told that some of the attempted transactions did not show up. I tried several online stores and they declined the cards. 

I checked the balance on both cards and they both have the full balance on them, which was confirmed by Amex support on the phone today. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (WA)

Without any knowledge of our XXXXXXXX XXXX XXXX XXXXXXXX card transfer to another servicer, ( Comenity ) we received a letter on XX/XX/XXXX from Comenity, that our payment arrangement with our previous servicer did not transfer. I paid no attention to this letter because I had paid off the XXXX card on XX/XX/XXXX and had put the card away and did not use it again. Our final payment was for {$3400.00}. We have proof from the bank of this payment and a confirmation of payment from XXXX XXXX XXXX. On XX/XX/XXXX we received a statement from Comenity that we have a balance of {$930.00}. I knew we had paid it off so I contacted Comenity and the issue was put into dispute. At this time we sent a letter showing the dates and amount paid and asked for any relevant statement to show that we have a balance. On XX/XX/XXXX they sent a letter " As stated in the previous correspondence dated XX/XX/XXXX, some information is missing to investigate your payment of {$500.00} is missing. We went to our bank and got proof from the bank manager of the {$500.00} that we paid. We then received a letter stating we have no record of your disputed XXXX signature payment. On XX/XX/XXXX we received another letter saying we contacted them about a missing payment of {$1100.00}. We did NOT contact them about this missing payment. All correspondence is very confusing. We sent a copy of all payments made when the card was with XXXX and copies of our statements. When we stopped using the card we forgot to change the auto payment that had been set up with our bank. It was {$35.00} per month. We failed to notice thaXXXX XXXX XXXX XXXXXXXX XXXX was receiving this each month. After our last payment they continued to take this payment monthly until XXXX of XXXX, ( 17 months ). We sent them a spreadsheet showing what we charged and what we paid and with the monthly auto payment we feel they owe us money. I also reached out to XXXX XXXX XXXXXXXX but they said they could not help us because not help us and gave us the Comenity phone number. I do believe they have sent us to collection. They have never given us anything to prove we had a balance when they took over the XXXX XXXX XXXX XXXXXXXX account. Each letter they have sent us they send us do not make sense. We have had a good credit score because we always pay our bills.
Consumer complaint received 2023-10-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa gift card over a year ago as a gift. I have tried to use the card several times at different stores. Unfortunately the card always declines. I am sure the card has {$65.00} Dollars on it. Since I have called customer service to get the balance every time the card declines. At least 5 times. They always state my balance is {$65.00} All the transactions I try to make are less than that amount. I have called customer service several times on XX/XX/23 and XX/XX/23 to get the numbers in the back and try to use it online. They refused to give me information or issue a new card. I opened a case file with them but they told me that if I can not provide proof of purchase they can not do anything about it and can not issue a replacement even though they know the card has a balance.