BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX - We are XXXX XXXX affected couple, and in default of our mortgage. 
XXXX - Our home is our primary residence occupied by owners. We have no other property. 
XXXX - Besides COVID, the borrower has lost her employment as XXXX, due to XXXX XXXX  XXXX, after doing her career passionately for 31 years. 
XXXX - Formal doctor XXXX determination documentation has since been supplied to the mortgage loan processor - Rushmore LMS LLC. 
XXXX - Out of three original borrowers, one XXXX  after 6 years and the second after 14 years of starting this mortgage loan. The mortgage payment burden is on sole surviving borrower now. 
XXXX - We turned in the formal loss mitigation completed application package to Rushmore. They owe us a written acknowledgement of having received the package. 
XXXX - Rushmore owe us the formal notification regarding their willingness to review and take a decision on our loss mitigation application. 
XXXX - An application for California Mortgage Relief Program grant is still pending review and decision. 
XXXX - Our property has not been removed from trustee auction sale scheduled for XXXX at XXXXXXXX XXXX 
XXXX - The terms of our mortgage have consistently and progressively been harsher every so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: MO
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:
Checked my report on XX/XX/XXXX and I have a inquiry from XXXX XXXX and I have had my account with them since XXXX its fraud and they wont take it off.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-06-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dails to fully validate the debt. Original creditor was over 5 years ago which debt is passed the statue of limitations for Florida. Debt was just bought and not updated with correct open date. False debt is in accurate.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: MO
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:
Theres 3 accounts that has been skillfully and fraudulently placed upon me and it's gotten to the point where my issue now is with EXPERIAN, inwhom attributes to this by continuing this identity madness with the original perpetrators. I have on many occasions requested physical documentation of the alleged accounts. Im also requesting the Method of Verification used in your investigation of this matter. This company EXPERIAN has violated the rules of the FCRA by continuing reporting these accounts when they been determined not mines by the way of identity theft and/ or a similar name. It's been passed the 30 day rule of presenting physical documentation upon request. And as a general rule of law electronic Verification can not be accepted as proof if this is what your company is relaying up on. Therefore, I'm demanding that this credit reporting agency remove and block these unauthorized accounts immediately. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX

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 2019-09-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Convergent Outsourcing is currently reporting on my credit file for a fraudulent account I have never heard of them nor done business with any of its affliates. I have never received any dunning letters from this company are received any communications from them to prove that this debt is mine in which it is not. I would then to stop reporting on my credit file until they can provide legal documentation that this is my debt in which it is not.

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 2020-11-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keep getting multiple calls from debit collectors and I keep blocking the number after I realize what they are calling about. Mainly since I know you never share information over the phone with anyone mainly if they claim to be a person from a company that hasnt received payment.

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 2018-06-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Bread Financial Holdings, Inc.
State: CT
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 was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They have contacted every family member, my ex-husbands family, my mothers boss, my mothers landlord and told all of them they are the XXXX County with a warrant out for my arrest. Problem is when I have contacted them and provided my updated info, its just a creditor Ally who is attempting to take me to court for a repo from 5 years ago. They already took me to court and lost, so they are getting even dirtier with their tactics now.

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 2019-09-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For 3 years I paid {$89.00} /year to accumulate points using a XXXX XXXX and Barclay 's Bank and Master Card account. 
They opened 2 accounts in my name and said I could not use any points from 3 trips each year to XXXX until I merged both accounts, which I tried over and over to do. 

I even paid the " one free checked bag per flight '' {$25.00} fee for {$150.00}. 

Lately, XXXX XXXX has said I never used their mileage card to purchase the 3 round trip tickets. 
I looked in boxes full of old paperwork, and looked. 

Then XXXX XXXX  sent me this mileage expiring trade offer! 
I think this PROVES I did use XXXX XXXX mileage card those 3 years and 3 trips to XXXX. 
XXXX, a financial institution lied, who would have thunk!?

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.

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 2019-05-17
Company: Experian Information Solutions Inc.
State: NY
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 had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as XXXX, Experian and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX

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 2022-08-12
Company: Klarna AB
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already filed a claim with this Klarna regarding accounts and tried to get this resolved however I am just not getting anywhere just more debt and accounts being turned over to collections. I have explained that my debit card information that was used was closed due to fraudulent behavior. My account was used without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: AZ
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 file a dispute with Experian about XXXX XXXX XXXX a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue, I believe it is because it is a conflict of interest because Experian connect does background checks for landlords. On the other hand I gave XXXX the same information and they were right on it and removed it from 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 2021-10-04
Company: SYNCHRONY FINANCIAL
State: CA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing late payments as reported in XXXX and XXXX Credit Bureaus. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2019-05-17
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2019 there was a credit check from a company called National Credit Card Airlines ( SYNCB ) and I have never heard of this company which is why I didn't contact them. I get emails about my credit score and this showed up today as a recent transaction and I have not done so. It was suggested that I contact you so I am taking those steps now.

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 2021-10-26
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Robinhood customer for more than two years, for security reasons, I set up all my account for two step verification, however, in the month of XX/XX/XXXX, I lost access to my phone number and my phone, so I can not verify my information to log in, However i was able to log into my account, Prior to me losing access to my account, I had filed some dispute in my account, Robinhood did not update or contact me about my dispute, about a little over two weeks, I reached out to Robinhood asking about the dispute I had filed, the Robinhood specialist that I spoke to, admitted that my case was just there and nobody escalated it as it should have been, during this process, I had verify my account at least 3 times with Robinhood, Robinhood then credited my account temporarily but then locked my account so that I can not access my funds. I called on XX/XX/XXXX and spoke to someone from the security department who was very hostile, threatening to have my funds locked into my account until I provide my personal bank statements and my ID to verify my Identity, despite the fact that I had verify my account multiple times before, I asked the specialist why should I submit my personal bank statements to Robinhood and that am concerned about my privacy issue since that has nothing to do with my Robinhood account, She then became very hostile and hang up the phone while I was still trying to get answers. At this point I believe Robinhood is treating me different and that could be racially motivated, I do have further events to back this feeling up. I am exhausting all remedies available to me before filing a lawsuit. Robinhood has been very uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SYNCHRONY BANK/BELK has not provided me with Validation of Debt which is listed under the Fair Debt Collection Act, 15 USC 1692g Sec. 809 { b } I have included a letter from SYNCHRONY BANK/BELK which states that they could not show me any accurate proof of Validation of Debt.

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 2021-04-22
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX " Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NY
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:
There is a credit inquiry from XXXX XXXX XXXX on my credit file ( from XX/XX/2019 ). I did not request any account openings with XXXX XXXX XXXX or their affiliates. XXXX XXXX XXXX assured me no accounts are opened or have attempted to be opened in my name. I was also out of the country when the inquiry was conducted so it is clearly an error. There is no suspicious activity regarding my identity or credit at this time. 

I have asked Equifax to remove this multiple times. The first time they denied it stating I needed to file a police report for identity theft ( but my identity was not stolen ). The second time they have not gotten back to me ( after 30 days ) and continue to " look into '' the problem.

Company response to consumer: Closed with explanation