BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that Mercantile sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Documentation bearing my signature where I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a transfer of funds in the XXXX cryptocurrency ( XXXX ) from a binance account to my coinbase account, but the transaction did not appear and the money is missing. Below is the transaction on the XXXX XXXX : XXXX XXXX XXXX I wrote to coinbase support a short while after the transaction was validated, but did not receive an answer after two weeks of waiting. Following are the support tickets I submitted XXXX and XXXX After making the transfer I noticed that the wallet address for transfers changes every time I pick a currency, so I suspect coinbase just steals all the crypto deposits. 
My account is under the address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Albert Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried to cancel my subscription with Albert banking app, but they're telling me that I can't because I have a balance and they won't allow me to transfer it to my personal bank account. Upon attempting to contact the customer service number, all I received was a computer generated voice without the option of speaking to a real prrson. They took {$170.00} out of my bank account without my knowledge. I was like to have this issue resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: WA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX is attempting to complete a short sale with PHH. XX/XX/XXXX XXXX XXXX called PHH and asked for a short sale update, PHH said the short sale is under review and the appraisal has been ordered and to call back next week. XXXX XXXX called back XX/XX/XXXX with the same response. XXXX XXXX called back XX/XX/XXXX, PHH said the file is not under review for a short sale but under review for a loan modification even though the borrower is deceased and the home is vacant. XX/XX/XXXX XXXX XXXX called PHH and they said the executor documents are not valid, the manager reviewed them and verified they are accurate and that was a mistake and he will updated the file. XX/XX/XXXX XXXX XXXX called in and PHH said the loan modification was reviewed and closed out, and now will be open for a short sale review and the appraisal will be ordered. XX/XX/XXXX XXXX XXXX called PHH and the file has been escalated and to call back in 2-3 business days. XX/XX/XXXX XXXX XXXX called PHH and they said the same thing. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale because the file has to be reviewed for a loan modification first. The manager got on the phone and said that was a mistake and the file will be opened for a short sale and will be escalated to the case manager XXXX XXXX ( never received a reaponse ). XX/XX/XXXX XXXX XXXX called PHH and they said the file has to be reviewed for a loan modification before it can be reviewed for a short sale. The manager XXXX XXXX ID # XXXX said she is not sure if the file has been reviewed for a loan modification and will expedite the file to get moved into a short sale review. XX/XX/XXXX XXXX XXXX called PHH and they said the file can not be reviewed for a short sale as it needs to be reviewed for a loan modification first. The manager XXXX XXXX ID # XXXX said he personally escalated the file to get opened and reviewed for a loan modification, and the file has not been opened for a loan modification. Today he said he will open the file for a loan modification.

Everytime I call in to get a short sale status updated the phone call is at least 1 hour or more. Can someone please help PHH follow short sale guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS 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 2018-09-25
Company: CL Holdings LLC
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:
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-02-26
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified Amerihome of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau XXXX  was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified Amerihome multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to Amerihome that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of Amerihome 's incorrect reporting and refusal to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX reports XXXX XXXX debt of {$5300.00} was opened XX/XX/XXXX and put reported on XXXX, which is closed acct # XXXX They also reported the same debt amount on XXXX , which is open acct # XXXX, but says it was opened on XX/XX/XXXX. I never opened an account with XXXX XXXX in XXXX. I opened an account with XXXX XXXX XXXX in XXXX, and a Case XXXX was filed XX/XX/XXXX. Garnishments were paid to the creditor XXXX directly via Municipal Civil Court. The amount was for {$6900.00}. I know that I was contacted at work many times with aggressive and mean representatives from XXXX, after I asked them not to call me again and to send correspondence in writing, and told them that I never got a car from XXXX XXXX in XXXX. I also know that the company is very fraudulent. I have disputed to get this false debt taken off my report many times, but was not successful. I have screen prints showing the court information. I have also contacted XXXX XXXX at XXXX, and she has been the only person that I have reached out to in regards to my accurate XXXX debt, and there are no other records of me ever purchasing another vehicle in XXXX from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

I have had multiple store cards. XXXX XXXX, XXXX XXXX Credit Card, XXXX, A credit card used for Health Care, and Walmart. I have always paid my cards on time. About a year ago, XXXX XXXX took over some of the company cards. when calling, the system identifies the customer by the phone you use to dial the customer service number. Unfortunately this has created a nightmare. When I called I was thinking I was connect to one card, but a different card was being addressed. I can not access the bills on line, I can not get them mailed to me, I can not access the bills on line, nor can I find charge ( paper or on line ) One customer service agent told me to use a different phone and then say I did not know my account number when I call and that would assure that the correct bills got paid. 

Every month I try to pay I have to call customer service. This started with XXXX XXXX about ago. I took out the card to purchase tires. After a month I did not get a bill. I called the store. They gave me a number to call. I was told it was emailed to me. I made a payment and they waived a fee. I was told the concern was resolved. The next month I called again. I again told them I check my spam, my inbox, my XXXX XXXX   and I never received a bill. I was charged late fees. I paid excess of minimum. Then again the next month when I called I was told that no payments were posted and there were late fees. I paid the bill in full and closed the account. This echos experiences with XXXX XXXX XXXX and XXXX. I have finally paid all of my XXXX XXXX   cards only to learn that my Walmart Card has been taken over by Synchrony. 

Regarding my XXXX XXXX XXXX card for two months I was told that they would correct the address and the concern that was prohibiting me from accessing my online account and to be able to see my bill. For two months this was not done. I have had my address corrected on the account since XX/XX/2017!! The computer does not acknowledge me current information so I can not access this on line. I then learned that the account I was making payments from was rejecting the ACH payment as possible fraud. ( For two months ) I did not know this because I never received a bill or any notice.

Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service. 

Thank you

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 monetary relief
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: AZ
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 received a lot of information on my credit thats not mines .XXXX   XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX charge off, XXXX XXXX XXXX Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX bank, 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, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX bank, XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything

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 2018-09-25
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is a collection agency claiming that I owe {$670.00} from a XXXX XXXX credit card. On XX/XX/2018 I mailed a letter to dispute the claim, requesting the debt be validated. The letter was delivered on XX/XX/2018 with them responding on XX/XX/2018 not validating the debt. My credit report was not marked disputed on XX/XX/2018. I sent another letter delivered on XX/XX/2018. I have tried to resolve this issue with all 3 credit reporting agencies. They continue to verify the debt without any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry was reported on my account which I didn't apply for credit with one-main financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not valid account, I ask for a validation owing amount XXXX and they could not provide proper documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation