davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I initially opened the account, in branch, in XXXX XXXX, approximately in XXXX and had an off and on ongoing relationship with Charles Schwab checking, and brokerage accounts. Recently the account was re-opened, but then closed several days later under my previous login ID XXXX and connected to email XXXX. Now, I re-opened under XXXX and again the account was opened, and accepted, and at the point of funding, yet there seemed to be some challenge in logging in. I called the information line was informed that the contact information was changed ( i.e. the information I registered the account with just days before was not the information on file ). Further, I currently hold multiple similar accounts, and this is not a credit account, but instead a self-financed, non-credit, liquid account, it is absolutely XXXX, and " red-lining '' to prematurely close, after opening, and providing the opportunity to fund, and seemingly retaliatory, and discriminatory, as I submitted a note that I was concerned that my previous login, XXXX was taken, and could potentially be part of identity theft issues ( and other related concerns as I'm suing XXXX XXXX XXXX for similar, and perhaps related concerns ). See Austin v. Tesla, et. al. 3:20-cv-00800 ( currently in 9th Circuit ) analogous to {$160.00} XXXX  Dollar lawsuit won for Plaintiff in XXXX XXXX of California XXXX ( Very similar underlying causes of action, stated facts, and proof ), Chopourian v. Catholic Healthcare West , No. 2:09-CV-02972 ( E.D. Cal. Feb. 29, 2012. Also, similar concerns to Austin v. Atlina et al 4:20 cv 06363 ( Civil Rights, Retaliation, Aiding and Abetting ID Theft, Privacy, HIPAA violations, Fraud, Negligence Per Se, etc. ).
Consumer complaint received 2020-07-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (MI)

I mailed, by and through my attorney, to Real Time Resolutions ( Real Time ) a Qualified Written Request and Notice of Error pursuant to 15 U.S.C. 2605 et seq. and a Notice of Error pursuant to 12 C.F.R. 1024.35 on XX/XX/2020. The purpose of the Qualified Written Request and Notice of Error was to notify Real Time that the lien on the property is expired because the statute of limitations to enforce the promissory note and mortgage granting the lien have expired. I submitted my Qualified Written Request and Notice of Error to Real Time because Real Time purports to be the mortgage servicer although there is no assignment of mortgage recorded in favor of Real Time. Real Times inadequate response to the Qualified Written Request and Notice of Error is the basis of this complaint. 

On XX/XX/2020, Real Time purported to respond to my XX/XX/2020 Qualified Written Request and Notice of Error. Although my XX/XX/2020 Qualified Written Request and Notice of Error clearly and unequivocally informs Real Time that the promissory note and mortgage it purports to collect upon are expired under Michigan law, Real Times XX/XX/2020 letter seeks to collect an alleged balance of {$170000.00}, when any amount that was allegedly owed to Real Time or the creditor Real Time allegedly services the loan on behalf of is now an expired debt under Michigan law. 

Real Times XX/XX/2020 states, '' Real Time Resolutions , Inc. ( RTR ) is servicing a delinquent mortgage with respect to the above-referenced property .. .RTRs documentation shows that a lien associated with this account remains on the property. If you have reason to believe that this not true, please contact RTR so that we can update our records. '' As requested on page 2 of my Qualified Written Request and Notice of Error, Real Time failed to 1 ) make appropriate corrections to indicate that the debt and mortgage are expired, 2 ) release the lien associated with the expired mortgage, or 3 ) provide me with a written explanation or clarification if RTR [ Real Time ] believes the account is correct.

Real Times XX/XX/2020 letter fails to provide a substantive response to my XX/XX/2020 letter because Real Time does not address my assertion that the promissory note and the mortgage securing the promissory note are both expired under Michigan law. Real Time further fails to provide a substantive explanation as to why Real Times lien is valid if the promissory note and mortgage from which the lien was derived are no longer valid. Real Times XX/XX/2020 letter is an implicit refusal to remove the lien but provides no legal explanation as to why Real Time is entitled to enforce the purported lien in light of the expired promissory note and expired mortgage.
Consumer complaint received 2019-05-28
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)

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

EQUIFAX Is Harassing Me. All Of A Sudden, They Sent ( I Sent Copies Of Everything To You ) Me A Letter. The Letter Stated That They Needed Copies Of My : Driver 's license, Social Security Number, Proof That I Lived At My Current Address, For Over 2 Years Etc. I Also Sent Them Copies, Of The PAID IN FULL Credit Card Accounts. ( XXXX-Card Was {$2000.00}, XXXX XXXX Credit Card Was {$17.00}. Both Paid Off, About A Month Ago. I Also Paid {$1000.00} To My XXXX XXXX XXXX. EQUIFAX Discriminated Against Me, For Knowingly That These Credit Cards Were Paid Off, But They Didn't Show It On My Credit Report, Purposely. Why Were They Able To Show Negative Information, For The Past Month, Without Requesting All Of This Identity Scam. They Know Who I Am And Where And How Long, I've Lived Here. They Just Want To Give Me A Hard Time. This Is Not The First Time, That They Weren't Able To Keep My Credit Score Accurate. I Also Sent Copies Of The Credit Carrds And My TD Personal Loan PAID Statements. The Two Other Credit Bureaus, Don't Have Any Problems, With Keeping My Credid Report Accurate. Proof Of My Credit Card Accounts Being Paid Off, Should All They Need To Correct My Credit Report.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (WA)

XXXX says that they have refunded {$540.00} for the product that got stolen or missing, but Credit card service provider Apple Credit Card, Goldman Sach says that they have never received payment from XXXX and keep telling me that I should work with them and I '' m stuck in the in between these two companies zero some game. XXXX promised me to give me a call back within 48 hours and it has been 3 days and still not even single call so far. Please have a look at the attached screenshot
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

Last XXXX I went on vacation to XXXX and we went to a time share they said they needed to charge my card a certain amount of money in order to process the time share. They told us once we reviewed the material and if we were not satisfied we could cancel at any time. It was a lot of material they gave us and we did not get around reviewing everything until sometime in XXXX / XXXX of 2020. When we reviewed the material we found out that the time share did not work the way it was explained and we were not happy about it. We tried cancelling and they told us it was too late to cancel. They lied to us. Also we found out the whole transaction was based on bad information we were told that the transaction would not go thru if one of us wasnt working and at the time my husband was unemployed and they still put the transaction thru. We were stuck with the credit card bill and with the time share also. we reached out to the credit card and made a dispute but they responded that we were liable for the charges. We have not been able to use the time share and the credit card transaction was for part of the time share. The credit card is with Barclay/RCI the credit card company already sent it to a collections agency with XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX creditor shows barclays bank delaware account number ending in XXXX regarding RCI Elite Rewards Master Card the amount due is {$4100.00}
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-13
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. (NY)

I did not consent to, authorize nor benefit to any of the following inquiries. I want them blocked and removed. 
XXXX. XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX  ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX ( XXXX ) XX/XX/2022 XXXX
Consumer complaint received 2020-08-22
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: Westlake Services, LLC (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting 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 XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NY)

Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2016-01-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Alliance One, Inc. (OR)

Received a notice dated XXXX/XXXX/XXXX from XXXX XXXX and XXXX XXXX that they were transitioning customer service to a third party, Alliance-One effective XXXX/XXXX/XXXX, and customers would not be able to receive any information from XXXX ( their transition " blackout '' period ). They issued a check during this blackout period which we received too late to contact them as they disconnected their customer service phone lines and are referring all questions to Alliance-One. This check is unusual, because the annual distribution for this annuity is usually made in XXXX ( XXXX was received in XXXX XXXX ). Alliance-One has inadequate phone support available ( was on hold for 30 minutes on XXXX call and over 25 minutes on a second call ), no online customer service available, and refuses to answer questions until next week, saying they sent out a notice regarding their " blackout '' period ( supposedly XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). We never received any such letter. XXXX has a track record of issuing payments to us without being requested. They are trying to get rid of their annuity contracts or reduce their value because the minimum interest rate promised is too high in today 's environment. They know the holders of most of their annuity contracts are elderly and are less likely to challenge or question distributions made.
Consumer complaint received 2024-02-22
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

We Mailed via XXXX to XXXX XXXX and LoanCare LLC ( Mortgage servicers ) two checks we receive for XXXX XXXX XXXX for our roof repairs. We mailed check to XXXX Because their name was also on the checks. XXXX XXXX and LoanCare LLC sold the Mortgage service to XXXX XXXX  during the process and stated that the funds for the roof repairs was forwarded to XXXX XXXX  on the XXXX of XX/XX/XXXX. However XXXX XXXX and LoanCare LLC Customer service also stated the they released payment to on the the XXXX of XXXX, XXXX. We contacted XXXX XXXX  customer service customer service and we understand that they did not get any roof repairs funds from XXXX XXXX and LoanCare LLC The following documents was also sent to XXXX XXXX and LoanCare LLC on XX/XX/XXXX as per their request via Fax : 1 ) Contractor W-9 2 ) The signed contractor agreement 3 ) State Farm Estimate for roof repairs 4 ) The Contractor 's Estimate 5 ) XXXX Contractor Waiver 6 ) Contractor 's License 7 ) Contractor 's License These Documents are also attached In good faith the contractor repaired the roof on XX/XX/XXXX, but we are not able to pay the contractor because XXXX XXXX , Loancare LLC and XXXX XXXX  are pointing their hands on each other as to who need to released payment of the State Farm checks that was sent to XXXX XXXX , LoanCare LLC . We are in the middle like a tennis ball batting around by these Mortgage servicing companies. Can you please help?
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (LA)

XXXX Location, XXXX XXXX My wifes cell is XXXX She can discuss this also since I may or may not be at work on watch when someone calls.
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I DO NOT I REPEAT DO NOT WANT ANY ONE ELSE MAKING FALSE THREATS OR BULLYING MY WIFE FROM THIS LOCATION I took out a title loan last year paid it off no problems. Since we have a POA my wife could even go in and pay when I was on the boat at work. I needed another loan so I went back and it has been total XXXX ever since. I went in and paid and asked for us to change the due date as my work schedule was changing. I was told it was not needed that my wife could just come in and pay down the loan. So at first my wife was going in No issues. But when I would come home from work and go in to pay and renew. I would have over or close to 100 in late fees. Stating my wife could pay on it but they could n't accept her as a signature anymore so she had to stop going in there. Yet we were paying by the date due. And STILL GETTING LATE FEES. Confused as because a Power of Attorney gives her the right. Anyways. I went in asked for a prorated whatever to get the due date when I was home working XXXX and XXXX it would always wind up my 2nd week at work due. Which would force me about 2 weeks in late fees. 1 person over there would understand. Yet I would get 4 and 5 calls a day even though my account was " documented '' I would be home from work on this certain day. This last time was pathetic. I told them every single day what day I would be in. Since they basically refused payment from my wife so I would as they put it " rack up '' the late fees. I told the guy I spoke with this time I could not pay another XXXX in late fees and I refused to because my wife had legal rights to go in there and pay it yet she was n't allowed to sign or do so. So then I get threatened to have my vehicle taken away after I pay 100 to renew because I did n't pay the 100 in late fees? That if my wife would of been allowed to pay we would not even have fees? Every time I have extra. I can not pay extra because of all the late fees. Because I have a job where I am not home every day. I tried to get the loan transferred to another company but guess what? They claimed to not have my title in hand. But when I ask them last time ... .The DO!!!! So I am stuck in this revolving door of no due date changed, my wife not being allowed to pay, and several late fees over and over and over. When we should have none. So I am still stuck with a loan that has paid maybe 200 towards it going down.. Because of the shady practices of this location. Or the fact that my wife can not go and now is to the point she does not even feel comfortable going into the store. The last 100 I just went in and paid on X/X/2017 guess what some lady behind the counter said oh yeah your wife can come in and pay. Yet guess what will happen if she tries to?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company changed the account status to charge-off back in XXXX of 2019. The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (OH)

SunTrust Bank closed my bank account a year ago but would not return the {$2900.00} I had in there. They said they had to hold it for a year INCASE someone came back on the funds. It's been a year. Nobody came back on the funds so I'd like my money refunded to me! They are giving me a big run around! First they wanted me to go to a local branch. That was impossible! There are NO local branches in Ohio! The closest branch is in TN some 380 miles away. I can not drive that because I turned XXXX today and I am XXXX an can NOT drive that far! So they said send a notorized letter with my Driver 's  license on the letter to any branch! I've done that! But then they said I had to have the the person who made the last deposit ask for it n they could give it to me! That too is impossible because I no longer associate with that person an have no idea how to find them! I am fed up with all these rediculus requests! I just want my money back!! It's been over a year now! This is a checking account Thank you, XXXX XXXX
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

I had a XXXX mortgage on a rental property that went into foreclosure with OCWEN Loan Servicing. OCWEN was contacted and a settlement agreement was reached and the amount they agreed on was paid off. After pay off they sent the loan to collections. The collections agency was sent the documentation of the settlement and they confirmed with OCWEN that the loan was charged off. 
In a recent check of my credit report OCWEN reported that the loan was closed and settled on XXXX of the XXXX credit reporting agencies. I filed a dispute with the XXXX credit report that was incorrect and they reported back that OCWEN said the information was correct. I contacted OCWEN, who said they did n't have access to that loan any longer because it was sent to the collection agency. After several phone calls they opened a case to research it. Initially they called back and said the loan was still owed. I then had them call the collection agency, who told them it was charged off. They opened another research case. They finally called and said it was paid, but after more then a week I have not received confirmation that it was paid off, nor has the credit report been updated. I have sent several emails and left several messages with no contact back. 
Though OCWEN says they are doing something to research the problem it has been found that it is only lip service and no action has been taken. Do not accept their " initial '' findings. I have had to call back a dozen times before they found documentation that it was paid, even though they have not yet sent me the documentation or reported it to the credit bureau. I expect it will take another dozen phone calls.