BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While checking my most recent credit report I noticed unauthorized and fraudulent charges and inquiries made by this company even after I advised them of identity theft and asked this account be closed and removed from my credit report. I advised that the store owner illegally forged my name without my permission on this contract. I did not authorize anyone nor give Written consent to anyone employed by this company to furnish any information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. I forwarded an identity theft police report number from my local police department, my report/complaint number with the FTC as well as a copy of my complaint with the attorney general and will attach the information yet again for review. I also furnished Synchrony Bank with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online they have continued to violate my consumer rights. 15 US Code 1108/c-2, clearly states a stop the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. Synchrony Bank is in violation of this law because I am a victim of identity theft!! I want this account closed immediately and to stop reporting on my credit report as this is a violation of my federally protected consumer rights and as the law advises. I would hope that Synchrony Bank no longer violates my rights and removes and blocks this account and its information as well as ALL inquiries associated with this identity theft. If this account is not closed IMMEDIATELY as the Federal Consumer Law suggest I will have not option but to bring a Civil Suit to protect my Federal rights and seek ANY and ALL the judge sees fit. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$4400.00}

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 2022-12-07
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After making complaints through the XXXX XXXX XXXX XXXX about, XXXX XXXX XXXX, and XXXX XXXX XXXX, about the potential fraud in the documents, they sold my fraudulent contract to XXXX, so they wouldn't have to answer any questions and provide proof, that its a valid contract, not to mention I rescinded the contract and the XXXX XXXX, now there getting another party involved, violating 15 usc 94 sub section 6801> Protection of nonpublic Financial information.

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 2017-03-31
Company: POPULAR BANK
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
I have already issued a complaint # XXXX against Banco Popular but apparently I did n't make my complain clear. You will note on the highlighted sentences from Banco Popular 's response that they said my interest is compounded daily. But they pay the SAME interest of {$120.00} plus some cents monthly. Is that COMPOUNDED INTEREST? I have called numerous times to no avail. People say they 'll check into the issue and call me back, but I do n't hear from them. When I suggested they then return my money I was told the charge to do so would be {$1000.00}. Although a return of my money would be my first preference I suggested since they are paying no compounded interest they could send me what interest already has accrued and then monthly ach the interest since they are not compounding it.

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 2021-03-28
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I the federal protected consumer, I entered a consumer credit transaction that was paid for with my open-credit plan which is my social security card, which used for household and personal use which is under the administration of the United States Corporation. They are responsible and liable for that's why the alleged debt shows in the positive of XXXX and XXXX. If it was in the negative it would show as XXXX and XXXX but it doesn't that's false belief in a natural person owing a debt when in fact it was a consumer credit transaction. They are furnishing deceptive forms in this corporation and need to be legally accountable for their actions. I demanding the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and the Truth and Lending Act or else I will pursue federal litigation if needing re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
I made 2 separate payments to aidvantage to start paying my loan back and both payments keep getting reversed. They told me that I need to reach out to my bank because they cant find my account which is incorrect and my bank states there is nothing wrong with my account and that all of my other payments for other bills dont have an issue so its something on their ( aidvantage ) end. I contacted aidvantage again and they keep saying that they are unable to locate my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Credit Fresh Holdings Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My credit line amount is {$1400.00}. My original withdrawal was {$1400.00}. In XXXX of XXXX  my balance was {$1400.00}. The fees and biking charges are {$85.00} each bi-weekly period. According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures.

Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ).

My complaint is that it is taking advantage of me if my new credit balance is {$1500.00}. My booking charges in two months amount of two {$420.00} and the credit amount to my actual balance is {$98.00}. That is a total of {$520.00} paid year to date with {$98.00} not yet posted to the account as of today XXXX XXXX Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have provided a police report regarding my stolen identity and multiple accounts being opened in my name. I asked the company to send proof that the debt belongs to me being that they refuse to remove it and was sent a bill instead. A bill is not credible enough to claim the debt belongs to me. As a result of the negative remarks on my credit file, I am homeless and unable to obtain housing. I am also unable to access credit cards.

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 2023-11-01
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Navient calls me up to 5 times a day from unidentified numbers in different States. Everyday. Between XXXX and XXXX. Even during the pandemic period where loans were paused. They said that did not apply to me. Even though all my information came directly to me from the federal government. I was on the IDR plan and still am... I got notice of my payment restarting in XXXX. 
Navient does not care ... they want me to take out a private loan to pay back my federal loans. I also know that on XX/XX/2024 Navient will no longer be my service provider as they have quit. 
It seems like it's quite a scam. 
But they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my debt card at gas station this morning between XXXX to XXXX I use my card to get gas at XXXX XXXXXXXX went home and went to sleep woke up and realized my card and wallet was missing and received and alert saying my card was used to take {$3500.00} from an Wells Fargo bank atm machine

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 2022-12-14
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synovus bank will not release the lien on my home. I have tried to get a refinance to have a new, much needed, septic system installed. Synovus is blocking the process and they say they have the right to keep the lien on my home even though I have been released of the debt when they accepted my settlement offer on XX/XX/2016 in the XXXX XXXX of XXXX XXXX Florida. Case # XXXX. They settled with me then went after my ex-husband and his properties. My ex-husband is currently paying them a monthly payment and they have liens and suits against him for this debt. 
I am on XXXX XXXX XXXX XXXX XXXX and work part time. A septic system is about XXXX in this area. My current septic is very old and is no longer working properly. 
I have a lot of equity and its my only option in paying for a new system. Synovus needs to release my lien and be happy with the liens and suits they have as collateral from my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My son received a private loan from XXXX to go to college. My sister Co signed after I told her as long as she was responsible as a Co signer I would make sure payments were paid should my son default on payments. He never finished college and does n't bother paying his loan. I have been paying his loan for 7 years not to affect my sister 's credit. I asked them if I can take my sister off as a Co signer and they said no. For 7 years I have been paying a total amt of {$160.00} a month on the balance of XXXX combined loans equalling approximately {$14000.00} just for the balance to be approximately {$12000.00}. I paid almost {$8000.00}. This year I pay {$50.00} a month for 2 years. My son worked that out somehow. I make {$XXXX} a year. I CA N'T AFFORD THIS. If they would release my sister, my son would have no choice to pay. If not ... No income tax. Oh well. Should n't have shrugged his responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-08-30
Company: P&L Acquisitions LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter dated XXXX/XXXX/XXXX titled " Litigation Notice '' stating I owe XXXX for a debt and if I do n't pay I would have a judgement filed against me with additional fees and 10 % interest. I called today XXXX/XXXX/XXXX and was informed that the paperwork was already turned into the court and they were filing aggressively since I owned property. I asked if I could have a detail of the charges sent to me and was told NO I would receive a copy when I appeared in court. I informed him it was my legal right to know the charges and he informed me that I was wrong and I would receive them in court. The only information he provided was it was for an old XXXX XXXX XXXX XXXX Credit card that was written off XXXX XXXX in the amount of XXXX. I stated the legal state of limitations in XXXX is 4 years, and he told me that did n't matter. I asked how long do I have to research this and get back with you and was told I have until this Friday! I stated I have never received anything by mail from your company, do you have records showing where I ignored previous attempts to resolve the matter as the letter stated, and he could not provide any dates correspondence was sent. This letter is threatening to garnish my wages, levy my Bank Account, place a lien on my property and suspend my driver 's license. It does not reference any breakdown of the charges or company that I originally owe the debt to. In doing research, I can not find the company the letter was sent under " XXXX '' XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX when I google the address it shows a grocery store. It also states that I will have to pay P & L Acquisitions a 10 % interest as well, and when I google them I found all the false claims other consumers have made against this alleged company and I do not feel safe providing my personal information to a company that can not provide me any documentation showing they own this debt and the breakdown of the charges I owe. Also the person that signed the letter was XXXX XXXX and he states he is a legal Administrator but I can not find any credentials on him as well. Please advise me on how to proceed.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing us today.

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy Chapter XXXX 2. XXXX XXXX XXXX Late Over 120 Days 3. XXXX XXXX XXXX Collection 4. XXXX XXXX XXXX XXXX Collection 5. XXXX XXXX XXXX Collection 6. XXXX XXXX XXXX Collection XXXX Inquiries : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XX/XX/XXXX Personal Services Not Medical XXXX XX/XX/XXXX Banking. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2023-03-08
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I've sent numerous letters to all the bureaus to fix incorrect information on my credit report and they have not responded. It has been more than a few months. I would like all the incorrect information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2016-06-24
Company: Global Recovery Group
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted my husband and my parents threatening to present me with legal documents and arrest. 

I told them I had no knowledge of the account and they were unwilling to provide me anything other than the amount. Would n't give me an address or name of company.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
Company: Maximus Education, LLC dba Aidvantage
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Advantage student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much

Company response to consumer: Closed with explanation