davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried on numerous occasions to contact XXXX XXXX XXXX, Transunion, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example Transunion tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXXXXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Consumer complaint received 2017-12-11
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. (TN)

My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I received a denial letter from Chase dated XX/XX/2017, regarding a fraudulent application for an XXXX credit card. This is the 8th application submitted in my name and every time I have received a denial letter from Chase. I am a victim of identity theft so I have an extended fraud alert placed with all three credit bureaus. Chase is NOT following the proper protocol when an application is submitted. They are supposed to contact me PRIOR to completing the approval process to confirm I am the one who submitted the application. In all of these instances, Chase has not done that. They have denied each application without confirming my identity. The representative I spoke to, I believe his name was XXXX or something close to that, said that the letter I received is merely a notification that an application was submitted but with the same breath called it a denial letter not once but several times. There is a huge difference between a notification letter and a denial letter. I 've received notification letters from other companies I applied for credit with and they indicate on their letters that they can not proceed with processing my application until they have confirmed my identity. I 've attached a copy of Chase 's letter. This letter is obviously not a notification letter. It indicates my app was not approved due to bankruptcy, which is a clear indication they ran my report to see that information without contacting me.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! 
P.S. We have all our phone conversations with Chase recorded if needed for further evidence!
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.
Consumer complaint received 2017-12-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

This is a short sale approval issue in which I am asking SLS which already approved my short sale and I have attached the documents, including the contract executed by myself and the borrower. Therefore, I do not need a third party approval as I do not want information about the borrower. I need someone to provide us the approved extention so that I can close on the loan. I have paid attorneys, appraisals, survey, town CO fees, etc. The bank will not allow me to close until I receive this document. The seller 's attorney nor the bank are responding. I need SLS to respond immediately before my loan is cancelled!!!! 

Since XX/XX/XXXX, we have been working with Specialized Loan Services ( SLS ) to purchase a home at XXXX XXXX XXXX XXXX, XXXX, NJ. This is a short sale that they approved. Unfortunately, the seller had a lien on the property that needed to clear before we can close on the loan. Waiting caused the short sale approval to expire, they provided an extention in XX/XX/XXXX and then in XX/XX/XXXX but then they also expired. The bank will not close unless that extension is active. At this time, we have the attorney, the appraisal, the credit report fee, the surveyor, the town with the CO fees, all accumulated and we can not get SLS to respond to us with the lien settled so that we can get a clear title. Nor, have they provided us another extension knowing that they are causing the hold for us to close. We have spoken to the seller, XXXX XXXX and he wants to sell the house. He no longer lives in NJ and has abandoned the home, which by the way the town is ready to put a lien because the property has been abandoned for more then 2 years. We have everything in place to close on the loan and move to the property. We need SLS to respond!!! We need to short sales extension and need a confirmation that the lien is cleared. The sellers attorney will not respond to anyone including my attorney as they claim they are not getting paid for closing on this house, The seller XXXX XXXX ( XXXX ) is anxious in getting the house sold but also finds that his hands are tied as he can not get answers from SLS. They are located at XXXX XXXX XXXX. XXXX XXXX, CO XXXX phone XXXX. The loan number is XXXX and the seller is XXXX XXXX. Please help us get a response and the documents needed so that we can close on this purchase. You can reach me at XXXX XXXX or XXXX XXXX. My email is XXXX. Your help is greatly appreciated!!
Consumer complaint received 2017-12-10
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. (NJ)

The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a follow up to complaint # XXXX. 
On XXXX XXXX I submitted a complaint referenced above about Bank of America not following federal guidelines. Our area was hit by Hurricane Irma and declared a FEMA as eligible for individual assistance. 

Since this complaint I have been assigned three different XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX, XXXX XXXX and now XXXX XXXX ) I have stayed in contact with the these various contacts throughout the forbearance process. I have received numerous piles of forms from Bank of America and each time I call them they tell me to ignore the paperwork. 

On XXXX XXXX, XXXX at XXXX XXXX I contacted XXXX XXXX ( XXXX ) XXXX. During that call XXXX informed me that I will not need to pay the total amount due and that my payments during the forbearance period will be added to the end of my loan. This is in accordance with the federal guidelines. XXXX then informed me that I will resume my mortgage payments starting on XXXX XXXX and there will be no penalties and the loan will resume as normal. They did note that there may be an escrow adjustment in the near future but that the payment would remain the same. I requested that this be in writing. XXXX told me that the call is recorded and that my account reflects these approved changes. 

Bank of America produced a letter on XXXX XXXX that i received XXXX XXXX ( attached ). The letter clearly states that if I do not make the payment in the full amount owed during the forbearance that I will be assessed late fees and more than likely be reported to the credit agencies. 

I have no trust in XXXX XXXX XXXX and I they have never provided me with accurate information. I have made numerous phone calls and I have even stopped by my local branch office at XXXX XXXX and XXXX XXXX in XXXX, FL. 

The purpose of my complaint is to report that Bank of America is not providing consistent information and that they are still violating the federal guidelines for XXXX XXXX loans approved for individual assistance in area declared disaster area by FEMA.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgence Legal Group, PC (CA)

XXXX XXXX a judgment was made to garnish my wage from work. they said I owed XXXX dollars from a collection from XXXX to XXXX. I called the lawyers that sued me and they said it was a past credit debt. I advised this was not my debt. the court still had my check garnished.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (OR)

I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through XXXX XXXX.
Consumer complaint received 2017-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.
Consumer complaint received 2017-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

In XX/XX/XXXX I leased a new XXXX XXXX XXXX, the leasing company was Ally. When the lease matured in XX/XX/XXXX, Ally offered me a discount to purchase the vehicle. I decided to take them up on their offer and was directed to XXXX, Ally 's lease buyout and processing company. I entered into a agreement In XX/XX/XXXX with XXXX and Ally to buyout the lease and re-finance the vehicle with a 60 month loan. I agreed to the Financing arrangement ( again with Ally ),  and the he loan was approved in XX/XX/XXXX. It was funded on XX/XX/XXXX. My first payment was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX The problem is that XX/XX/XXXX/Ally has NEVER processed the title of the vehicle over from the leasing company ( Ally ) and i have not received any paperwork regarding the transfer of the title in order to register the vehicle with the State of Ohio. Ohio still only recognizes the leasing company as the owner of the vehicle when in fact that lease was closed on XX/XX/XXXX and I am now responsible for paying Ally for the vehicle. The current registration expires on XX/XX/XXXX and I can not renew the registration without a new/updated memorandum Title from XXXX/Ally. After XX/XX/XXXX I will not be able to drive the vehicle legally. HOWEVER, I am will still be responsible for making monthly payments on a vehicle that I will soon not be able to drive. I have been trying since XX/XX/XXXX to get them to send me the Title memorandum and have sent several emails and made numerous calls to Supervisors at Ally and XXXX all of which are being ignored.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Blackwood Credit Service (MI)

Paid XXXX XXXX XXXX ,XXXX was suppose to pay {$50.00} each month never received another meeting after the first upon making several request. Illegal use of XXXX wallet by Blaclwood Credit Service was advised by XXXX when attempting to get my money back. Requested refund from my bank wells fargo after submitting receipt, contract, and email communications they granted refund. XXXX XXXX and XXXX XXXX took me to court in XXXX XXXX for XXXX although the company 's violated Credit Repair Organization Act, Michigan Public Act 160 section 3, and Federal Trade Act Title 15 Chapter 41.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Consumer complaint received 2017-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NH)

XXXX XXXX I was called and harrased to try and make a payment I could n't make. I had called in XXXX to let them know I lost my job after a good year of making payments. They said there is nothing they can do and I do n't qualify for anything. I called few days later to make not a whole payment but a partial because I had gotten some money unexpectedly. I was told me and my cosigner would stop being called 2-4 times a day. None of the calls stopped. Now they say I ca n't be taken off the calling list. This is the worst company I ever worked with. My other loans a through XXXX and they are a much better company than this scum.