davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (MD)

purchased a Vanilla Gift Card on XX/XX/ as a holiday gift and loaded it for {$100.00}. ( I purchased the card with my credit card for payment. ) My friend, the recipient tried to use it at two different stores, but it didn't work in either store at all. Once opened, the actual card had 4 digits missing on the front of the card. Clearly a faulty card. The Gift Card didn't look tampered with when I purchased it, and in fact the cashier at XXXX where I bought it, examined it and assured me that it hadn't been tampered with. Since the front of the credit card is not visible in the packaging, this faulty number was not visible. Also, there was no sign of tampering with the packaging. 

I have the receipt of purchase, the packaging and the card itself as proof. 

I contacted the customer service at Vanilla Card Card by phone. The first person took my information and gave me a Case ID number. He told me to submit an email with documentation that included a photo of the receipt, packaging and card, plus the front of my drivers license. He gave me an email, very carefully and slowly, - I heard and wrote down exactly what he said - which bounced back. I contacted customer service again, told them my Case ID number and requested the correct email address. They gave me another, slightly different email address, spelling it out very slowly and carefully. This email also bounced back. I felt like I was getting the runaround, giving me incorrect email addresses on purpose in order to discourage me from filing a dispute. I searched the internet for help and found a third, slightly different email which I used. This successfully went through. I'm now waiting up to 30 days to hear something back from Vanilla Gift Card. I'm not holding my breath for their response.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TX)

I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 Barclays bank XXXX XXXX Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-27
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: AMERICAN EXPRESS COMPANY (NY)

American Express eGift cards are not usable on any major platform including with vendors they state it can be used with. Their customer service is not helpful nor do they give information to resolve the matter. Their instructions of adding your personal name and address upon check out does not work with vendors and causes payments to be blocked. I am unable to use the gift card gifted to me by my employer. I have current two of significant amounts. American Express eGift cards can not be used in a way that they are advertised and listed as being able to be used due to the way they are set up. If used the way they are instructed to be used they will trigger a blocked payment. I am also unable to add the gift card to my digital mobile wallet due to the nature of the gift card product despite it being listed by American Express of being able to. There is no way for me to access the funds at all.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

My Neltnet student loan payments keep changing without any explanation. On XX/XX/XXXX, I received an email statement that my payment due XX/XX/XXXX would be {$670.00}. This is a huge increase from my prior months payments of {$50.00}. I used the online form to reach Nelnet on XX/XX/XXXX and XX/XX/XXXX and havent received any contact from them. I attempted to call them on XX/XX/XXXX but after being on hold almost an hour, the call was dropped. On XX/XX/XXXX, I received an email statement that a payment of {$29.00} was due XX/XX/XXXX. When I logged into my Nelnet account to confirm this, it now says my total due is {$700.00}, due XX/XX/XXXX. Again, no notices or statements to explain the extreme changes in payment asking and due date.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WI)

I was trying to sell a computer via XXXX XXXX place and was contacted by a potential buyer. They wanted to use Zelle to transfer money which I was fine with considering I've used it many times before. They pretended to send me {$900.00} but a " business credit limit '' required {$1500.00} on their end to be sent and I'd have to send back {$600.00}. They had emails send out that replicated Zelle and it tricked me into sending them {$600.00} in two {$300.00} payments.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

I applied to company for employment and when I was told I needed to take a background check for more information to be provided. 
The company had the process go through checkr which informed the company of an inaccurate description of my record stating my license was suspended under false pretenses, and continues to be reported disqualifying me from working the job. 
From XX/XX/XXXX, XX/XX/XXXX shows Inaccurate reporting
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid off my account and wasn't informed there would be a final interest payment. There was a small interest charge, less than {$2.00}, so I was assessed a minimum interest charge of {$2.00}. I received a statement, but didn't look at it because I thought it was just verification of my closed account. I became aware of the problem when I received another statement. I was assessed another minimum interest charge of {$2.00} and a {$2.00} late fee. I now owe {$6.00} on a balance that was only a small amount of residual interest. I know the dollar amount is small, but the policies that more than trippled what owed seem onerous.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
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: AMERICAN EXPRESS COMPANY (MN)

I received an AMEX gift card in the amount of XXXX for Christmas this year. I called the number on the back of the card to activate it. Card has been activated but every where I've tried to use the card it has come back declined, even for smaller then the balance of the card purchases. I have called AMEX gift card customer service and was told to try a different vendor with no other information given. I tried a few different vendors that required the security code to be entered and the transaction still came back declined.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I received a opening account bonus of {$200.00} on XX/XX/, opened the account on XX/XX/, received a direct deposit on XX/XX/, and met all the requirements of the bonus. The bank app showed I met the requirements and would get the bonus within 14 days at that time. But chase never gave me the offer bonus, even on multiple attempts of being contacted.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (VA)

I am reaching out to address my concerns regarding the treatment of my private information by XXXX, Early Warning Services, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and XXXX, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by Early Warning Services per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974.

Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. XXXX and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist.

Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Lexis Nexus, XXXX XXXX XXXX third party reporting agencies reporting collections, charge offs, late payments. Per the FRCA as a Federally Protected Consumer I Am Opting Out of Any and all Authorizations I the consumer may have given written/Unwritten verbal/nonverbal per 15 U.S.C 6802. The Privacy Act of 1974 a Charge Off is considered a Certificate of indebtment and all charge offs be removed the Law states that it is illegal to report transaction history.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (MO)

6 complaints responded to in less then 5 minutes by experian computer generated responses proving yet again this crooked fraudulent company is doing this in retaliation for me filing these complaints
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I used a Bank Of America ATM and selected to withdraw {$1000.00}. Upon dispensing the funds, I was only given {$200.00}. I immediately called the number on the back of the card and I was told they'd look into the matter. I never heard back so on XX/XX/XXXX I went into the branch and was told they couldn't do anything for me and to contact the number on the back of the card again. Since then I have reached out several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ). When I spoke to them today ( XXXX ) I was told they closed my inquiry because them ATM log shows the ATM dispensed the full {$1000.00}. I asked if I could speak with someone else or another department, but he said even if I called back the answer would be the same because their investigation was concluded. I do not feel this is fair. I work hard for my money and am not lying. I was not given the opportunity to escalate this further, nor was I provided proof of their findings. 
Please help! {$800.00} is a weeks pay. 
ATM transaction # XXXX ATM ID # XXXX
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In XXXX I took out an auto loan with credit acceptance. I had got into a wreck and the car was totally lost, I had gap insurance and they sent a check in the full remaining amount of the loan and credit acceptance is still trying to say I owe & {$3600.00}. They call me every income tax time yearly to ask me to use my income tax to pay them off. I tried to contact them to explain the gap insurance and they continue to tell me I owe
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Comenitybank/Victoria Why did they closed my account when it was paid in full and keep report it to the credit bureau.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Its my understand that you will recheck these items with the creditor who has posted them, Please remove any. information.