BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent certified correspondence to Credit Acceptance Corp. which they acknowledged receipt of which indicated their violations of the FCRA, specifically 15USC1681 ( a ) ( 2 ) ( B ) " The reporting of this account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' and the Gramm-Leach-Bliley Act " I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit Acceptance Corp dismissed my request indicating in their response that based on their investigation, the information they provided to the credit reporting agencies was complete and accurate and did not require modification, deletion or correction.

My correspondence did not request correction of information they furnished but demonstrated they were not authorized to disclose ANY of my private, non=public information. Further, it requested production of the clear and conspicuous disclosures they were required to provide prior to the furnishing of said information along with explanations of how to opt out. 
They produced no evidence of the investigation they claimed to have done which I never requested in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Carter-Young, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX Carter Young was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. XXXX XXXX is also ignoring me in trying to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my Venmo account and sell and create a fake account and transfer money into there account. They are still trying to engage in transactions in the locked Venmo account as just today I received correspondence from Venmo they had my ID and were looking for documentation on my checking account s and credit card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was transferred to Nelnet recently. Nelnet heavily advertised their auto payment service, so I signed up for it. I logged into may account today and it shows a balance past due, despite being enrolled in auto payment. I waited on hold for 2 hours. The first thing the representative said to me was that I have a balance past due. I let him know I am enrolled in auto payment so how is that possible. He said auto payment takes two days to process AFTER the due date. This is such an odd and inconvenient system. How do they function as a bank with misleading practices? Why did they win the bid for my public loan? Who vetted them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously had student loans that were being serviced by XXXX XXXX. On XX/XX/2021 I received a notice from XXXX that my loans were being transferred to XXXX. I never received any statements or correspondence regarding my loans from XXXX. Yesterday, I was notified by Aidvantage that my payments were about to resume and that I had an option to opt into auto-pay or not. I never received notification that my loans had been transferred to Aidvantage or any other correspondence from Aidvantage or XXXX. I was unable to access my online account for either serviced and ended up calling Aidvantage customer support. I let the CS rep know that no statements or documentation regarding them servicing my loan was sent to me and that I needed additional detail on my loans before opting in to any form of payment. I explicitly told the rep they do not have my consent to resume auto-payments and to not make any changes to my account. 

The next morning around XXXX, I received notification from Aidvantage that I had opted in for autopay. This occurred without my consent. None of my bank details or loan details beyond my balances are available on the Aidvantage website. Their website also inaccurately states that my payments will resume in 25 days although payments have once again been passed until the end of summer. 

Their business practices are dishonest and predatory. Aidvantage has made changes to my account and payment details without my consent. No notification of these loans being transferred from XXXX to Aidvantage was provided to the borrower. If these companies are not doing their due diligence to notify borrowers, they should not be trusted to service federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and stems from identity theft. A former friend and co-worker incurred this debt and acted on my behalf without my consent to secure phone lines and phone privileges with this company. I have and will always deny this debt because it is truly not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged several fees for using my debit card at XXXX bank. I didn't withdraw money, I was paying my car loan. I have paid there before and haven't been charged any fees. In the last week, I have been charged 2 different fees for the same type of transaction. I was charged {$10.00} and then {$5.00}. I called to get my fees reversed, and was unable to get help with one of the fees ( out of a total of 3 ). I want my money back. This was taken out of my RENT money when I have a check pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: PARSON BISHOP SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX account was hacked and someone was attempting to scam people by selling fake XXXX XXXX tickets under my name. On XXXX XXXX, XXXX, I XXXX  how to report and attempt to regain access to my XXXX account. Once I spoke to them, they gave me instructions to download an app ( XXXX XXXX ). I didn't realize it at the time, but this app allowed them access to my phone. I was instructed to go into my XXXX, XXXX, and Truist bank account and they gave me different instructions to make sure none of these other accounts had been affected by the hackers. During this time, these people instructed me to send and receive different amounts of money through these accounts. I was told no money would be taken from my accounts. Two transactions were made ( {$1400.00} and {$500.00} ) through my XXXX. Once I realized money had actually been taken from my accounts, I reported it. XXXX and XXXX have both reviewed these transactions and have cleared all charges. I immediately placed a call to Truist on XXXX XXXX and the representative put a hold on my checking account. However, 2 transactions had already cleared from my XXXX account equaling the {$2000.00}. I did not authorize these transactions. I have filed a police report for the total amount of all three transactions ( XXXX, XXXX, and Truist ). A credit card was added to my XXXX account and money was attempted to be transferred to it that I did not authorize as well and funds sent to a company via XXXX that was later proven that I did not receive any goods from. These were all done at the same time as these XXXX transactions. I also have documentation where an unauthorized device was added to my Truist account on the same day as these transactions were made. None of this was authorized. I have sent a copy of the police report, XXXX and XXXX claims that have been resolved, as well as documentation showing the unauthorized device added to my Truist account into the claims department at Truist. My last conversation with Truist was Tuesday XX/XX/XXXX in which they keep telling me it is still under review and a final decision has not been made. I was told I would be notified within 24 hrs of their final decision but I still have not heard anything and the money is still gone from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 inructions 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Rhame, Elwood & McClure PC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, 2023 I received a letter regarding an outstanding balance that I owe. It was an attempt to collect a debt. It was also addressed to a former tenant that I evicted. There was no language or statements/information verifying or detailing what the debt was for. There was no language or statements that include how to dispute the debt or what my Debt Collection Rights are. There were statements threatening to turn it over to Collection Agency with added costs to the balance. This threat would certainly harm my credit history with credit reporting companies. 

I sent a letter to this attorney asking for verification of this debt. I asked no more contact regarding this debt. I am not a current client of this attorney. My former tenant, who was evicted, made a statement in court that he hired this attorney. 
Attorney was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

15 USC 1692e ( a ) False or misleading representations and also a Hippa Violation.

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18
Company: Clarity Services
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX AND XXXX ARE XXXX AND SHOWING FAVORITISM TO XXXX XXXX  XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a pre-selected offer from Santander Bank ( offer code XXXX ). On XXXX, I submitted my application and I was subsequently denied the loan. The letter of denial was from XXXX XXXX ; it stated the bank was unable to provide me with a loan under the terms that I had requested. 

I contacted Santander on the morning of XXXX to inform them that their computer had provided me with the loan amount and related terms. I was then told that my loan was not approved because I had received a loan from the bank in the last 90 days and they just used this formatted denial letter for a host of different reasons. 

I informed the bank representative that I only applied for the loan because the bank had sent me the pre-selected offer and I didn't appreciate a hard hit on my credit and denial as I most certainly wouldn't have applied for the loan had I known I needed to wait at least 90 days before applying for a new loan. 

I requested that my case be escalated to XXXX XXXX and I requested to reach out to her. I was told that XXXX XXXX just signs the letter and she was not available to actually speak with anyone. I was told that XXXX XXXX, who answers to XXXX XXXX, would reach out to me within 24 hours concerning this problem. 

48+ hours later, I had not received a call back from XXXX XXXX XXXX I called Santander again and asked to speak with XXXX. I was told that she was unavailable and I would just need to wait for her reply. I was also told that she had not even looked at my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation