davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

First, I would like all to know that I put down {$60000.00} cash on this home. 
It has lots of equity in it. 
There would always seem to be a problem getting my payment posted to the mortgage company. I would get multiple statements in a month. Sometimes 2 a week.I tried auto pay to the mortgage co. and would find out later that the payment wasn't posted but I show it being sent from my account. I would get an amount send it in again and still my statements were saying I was late. 
The mortgage co. locked me out of my account so I could not track any of my payments. 
It became routine that I would call to pay so I would have the amount at the time. I would pay by phone and pay a fee to do so. 
I paid via XXXX XXXX to get the payment there. I would call and check on my account and they would say I'm ok. Then I would call and they would say I'm late- I would get different amounts from different people on the same day. I tried everything to get current. Being locked out of my account was very unnerving. 
Next thing I know they send me a modification packet that I didn't ask for. I was told by family members not to sign it because we didn't know why I got it. As time goes on I had financial problems ( pay reduction ) The mortgage co. said I could send in the modification paper work even though it was late. 
I sent it in and they denied it. 
I call and they tell me one thing then someone else tells me something else. This has been going on for over a year. 
Now I'm in pre foreclosure and when I spoke to them in XXXX they said no you're not in foreclosure you've been paying. 
I got my Mother involved an they told her things and didn't follow through. I was told I could reapply for the modification. I did. Never received any correspondence from them they do not return emails or followup on anything. I called today to check on my mod. they said they needed a 4506T which was sent to them via my HUD counselor on XX/XX/XXXX. They said they don't have it and they need additional info. If I didn't call them I would have no idea! I am expected to pay their attorney {$740000.00} by Friday to reinstate. I wanted to see if my modification was accepted or denied before my family and I pay the money to the attorney. Since they have been sitting on my modification for since XX/XX/XXXX with no acknowledgement I am in a dire situation. 
I should have reported them sooner but they always made it seem like it would be ok. 
As a note : I am not saying I don't have any responsibility in this situation. I may have been late on some payments but I would always call to get the current situation. No access to my account is me taking there word for everything and I am left at their mercy. I have a journal of all the times I've called, people 's names and ID number etc. 
In total- No one there can give me the same answer to the same question. Complete runaround. I would have had this resolved if this company was professional.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America mortgage broker XXXX XXXX changed the terms of the loan and has not been replying to my email. I was charged a {$870.00} appraisal fee which never happened. The Bank changed the loan terms after we had agreed to the initial terms and signed the application. Attached are both the initial agreed upon terms and terms changed after the initial application
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

At about XXXX on XX/XX/XXXX there was a flash crash in the crypto currency market where many coins were down over 20 %. I watch this happen and prepared to capitalize on the great buy opportunity. Initially I added {$1000.00} to my coinbase account in preparation to buy some XXXX and XXXX class among other coins. However coinbase canceled every single one of my orders when I tried to purchase the coins. Time is of the essence when trying to buy these cryptos and I had timed it very well however coinbase blocked my orders without offering any reasoning as to why. As it turns out they did this to many of their customers on that particularly critical day causing large losses and missed opportunities. Many others have significantly higher loses as their stop loss orders were canceled, again without any explanation. As a cryptocurrency brokerage, coin base 's primary role is as a liquidity provider and they have utterly failed at one of the most crucial moments. It seems awfully suspicious that coinbase would fail at such a crucial moment then offer an after the fact and vaguely worded email after the fact that was clearly written by a lawyer to deflect blame and suggest taking no action against them.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I opened a Macy 's store credit card. In XX/XX/XXXX, XXXX XXXX took over the Macy 's credit card. SInce at least XX/XX/XXXX, a charge for a cash advance has appeared on my bill for {$550.00}. I never used a cash advance, in fact, the cash advance feature was never a part of my card features. The cash advance balance has grown to {$1100.00} to date. A rate of about 16.00 a month since the charge was first placed on my account, so a total of about {$1500.00} in interest since XX/XX/XXXX. 
This year, I really took note and took action. 
I repeatedly called Macy 's XXXX XXXX   customer service at XXXX. One agent confirmed I never had a cash advance feature, the other agents were of no help, I was on hold for 30-45 minutes, transferred and hung up on repeatedly trying to resolve my issue. On or about XX/XX/XXXX, I put in a dispute for the whole amount of {$1100.00} and Macy 's XXXX  claims to be investigating. I am XXXX   years old, I have XXXX XXXX and have to deal with this issue in between my XXXX treatments. I feel Macy 's is predatory and has not been a help. I want an investigation into the cash advance issue and a refund of all the cash advance amount and interest. 
I feel like Macy 's knows i am ill and is putting resolving this issue off and waiting for me to die.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NY)

XXXX XXXX XX/XX/XXXX {$2500.00} collection account XXXX XXXX XXXX XX/XX/XXXX inquiry/Hard pull Credco XX/XX/XXXX Inquiry/ Hard pull XXXX  XXXX XX/XX/XXXX inquiry/Hard pull Child Support XX/XX/XXXX charge off
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Upon reviewing my credit report, I found several inaccuracies. The 3 credit bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting items as unverified information without providing any proof within the legally mandated timeframe. The following items must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  and Transunion has an account on my credit that is not mine/inaccurate. 

Accounts-not mine XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-11-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (FL)

I am attempting to refinance my Ditech mortgage. During the title search process it was found that Ditech reported a second mortgage dated XX/XX/19 for {$0.00} XXXX XXXX # XXXX. I do not have a second mortgage with Ditech just my primary. I have been contacting Ditech since XX/XX/19 and have not heard back on the status of my inquiry. I ask that they remove this second lien on my title and that they provide me a written letter stating the details of my one and only mortgage with them and that this second XXXX lien was reported in error. 
I reached out to HUD to review this information and they stated that they have no record of any loan on my property or in my name as my loan with Ditech is a conventional loan and not an FHA backed loan. 
I am trying to get a leaky roof repaired ASAP with my cash out refi that I am seeking and now have gone months with no request and the water leakage is causing more unnecessary damage and there is no one that Ditech allows me to speak to regarding my inquiry. They just ask me to fax in a letter and I will get a response within 30 days .... well it has been 3 months and I have not gotten any resolution nor has a manager reached out to me about this ongoing issue. They are in effect, holding me XXXX and causing more unnecessary damage to my property due to their nonresponsiveness.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCE CORPORATION (CA)

I paid off my loan in XX/XX/2017, One Main showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. One main reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling One Main numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX but not XXXX  or XXXX. Please help.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2019, I decided to make a purchase on XXXX. My decision to buy was based on the advertised PayPal Credit option to pay. I selected the option to apply for new credit with PayPal Credit and was immediately approved for a credit line of {$6500.00}. I was rerouted back to XXXX to complete my purchase and the option to use my PayPal Credit account was not available. 

I immediately sent a message to XXXX who stated the concern was not with their listing but with PayPal. I contacted PayPal Credit who told me that " internal security '' blocked the transaction. They would not give me specific details as to why the transaction was blocked nor would they allow the transaction to be whitelisted and approved. 

I told the representatives that the sole reason I applied for this credit was to purchase the item with the PayPal Credit listed as a method of payment. The representatives ( including management/supervisors ) were unwilling to assist. At this point, the entire reason I applied for the credit account was to purchase this particular item. The purchase was denied and no one will explain why ( beyond " our systems told us '' ) nor will they allow the transaction to force pay. 

The representatives stated that PayPal Credit reserves the right to approve/deny any transaction but they are not allowed to advertise their payment is accepted for transactions and then deny that advertisement. This is unfair and deceptive advertising and is an explicit prohibition of UDAAP.
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I opened up a dispute through XXXX XXXX XXXX on a XX/XX/19 charge of {$510.00} on my XXXX XXXX XXXX card, and it was recently denied, twice. 

The reason for denial was that Paypal, the merchant, denied XXXXXXXX XXXX  claim.

Paypal stated the payment in question violated their user agreement, in reference to using friend and family option to pay paypal user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation.

2 ) If there was a violation defined in the fine print that I was not aware of, Paypal user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the paypal user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the paypal invoice, and I paid it. He initiated everything, and if there are any violations of the paypal user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

XXXX is practicing unfair business practices, and ruling in the favor of the path of least resistance for themselves, not looking out for the better of their member/user, me.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Around XXXX XXXX XXXX received completed compliant from XXXX. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FRAUDULENT ACCOUNTS HAVE BEEN FLAGGED WITHIN MY EXPERIAN CONSUMER CREDIT REPORT XX/XX/XXXX {$6200.00} CHARGE OFF XXXX XXXX XX/XX/XXXX {$230.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$330.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX  {$300.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX INQUIRING DATE XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
XXXX XXXX XXXX failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (IL)

The cost of my online order was changed after I placed it. My order confirmation reflects the charge I authorized, {$70.00}, and by the time the item has shipped the adjusted cost of the order has been buried in the bottom of an email, now {$73.00}. An incremental charge of {$2.00} is listed on my statement that, and the new order details online reflect the adjusted {$73.00}. I called to dispute the charge, had to navigate four customer service reps over almost 40 minutes to have it removed. The person who finally agreed that it would be removed wouldn't let me finish a sentence, informed me that my dispute of {$2.00} is ridiculous ( which is not up to him ), that they regularly adjust prices after the transaction to account for where the product is located when it's ordered ( which it seems to me they should already know when I submit my order ). It's sneaky at best to mislead online customers as an expected business practice. There are no disclaimers about adjustments on my receipt.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2017, I placed a freeze on my credit reports with all three of the major credit report agencies ( XXXX, Experian and XXXX  ).  Since that time I have been going on the assumption that the freeze has remained in effect. However, a few days ago, I attended an appointment I had made with the XXXX XXXX XXXX XXXX for the purpose of getting financial advice. At one point, the representative who was assisting me asked if we could take a look at my credit report. I told them we could do that but that I would have to unfreeze the report. She said, " Well let 's first take a look. '' She then searched my name on her computer and to my shock and dismay, pulled up a copy of my credit report from Experian without my having done anything to " unfreeze '' it. We proceeded with the meeting but as soon as I got back home, I checked in with the Experian automated phone service and ascertained that my credit report was indeed still frozen. This event occurred on Tuesday XX/XX/XXXX. I am deeply disturbed by this and would like some explanation how Experian could have shared this information without my permission while my report is under freeze status. I am also concerned about whether the same kind of breech is possible with XXXX and XXXX. It seems evident that calling those companies and establishing that a freeze is still in effect does NOT assure me that the report is not being distributed given what I have just witnessed.
Consumer complaint received 2019-11-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (MD)

I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted