davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (OH)

In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge.
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA has inaccurate timeframes displayed when attempting to pay a bill. If you try to use the timeframe displayed an error is received on the following screen that states, " This group of payments could not be scheduled due to error ( s ) shown below. To correct the error ( s ) return to the Pay Bills page.Payments with Errors. '' Then it displays, " NOTICE : Payments to this biller need to be sent by check, which requires more time. Please submit a new payment and choose an arrival date that is on or after XX/XX/2022. ( XXXX ) '' I have reported this issue to USAA Customer Service, USAA Chat, XXXX XXXX and XXXX in the Office of the President, Technical Support, and @ USAA_Help on XXXX. USAA has provided no meaningful response and/or action. I have not had a single bill payment arrive to a biller on time since using this account. Please hold USAA accountable for perpetuating this fraud and unnecessary expense due to late arrival of payments on customers. Thank you.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MA)

In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare.
Consumer complaint received 2022-01-02
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: Experian Information Solutions Inc. (OH)

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with Experian, XXXX, and XXXX with no change. I would appreciate if these late payments are deleted from my credit report.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several XXXX  XXXX XXXX accounts opened up in my name. I immediately notified the XXXX  XXXX XXXX fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. XXXX  XXXX XXXX continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

The current issue is with the NACA HAND / Rehab Dept. I have been attempting to communicate and to have final inspection of the house / rehab work conducted. HAND needs to disburse rehab funds, to the contractor, that are held in escrow as part of the loan / funding agreement with XXXX XXXX XXXX. Funds will be disbursed, once rehab work is inspected by a NACA assigned and certified inspector. The initial request for final inspection, was sent XX/XX/XXXX ; via fax, as instructed on the HAND docs. Follow-up email sent to HAND Rep on XXXX XXXX 2016 - To no answer. After multiple phone calls, voice mails, faxes, and emails to the NACA HAND Dept / assigned rep of the past couple of months, I have not been able to functionally converse with anyone ; to finish this process. I have been contacted by over XXXX HAND reps, and have been copied on XXXX requests to inspectors, to no outcome. This has been on-going for nearly 3 months ( 80+ days ) which is highly unacceptable. Most recent email requesting to communicate sent on XXXX/XXXX/16. 

The contractor has threatened to file suit against myself, and NACA. Which at this point would be honestly justified. In accordance I, the loan holder, will also file suit against NACA. The HAND department has shown an abundance of avoidance, and gross negligence, to properly conduct a functioning business ; with reasonable and ethical standards of practice. As a personal result to this ; from the avoidance to pay the debt owed to the contractor ; by NACA. I now fear my phone ringing, in fear that it is the contractor. And I have no answer to provide on payment. In short : NACA owes the contractor for work completed in the property I reside in, and I am reminded of that fact daily. I am not used to collection practices, nor have accounts that are late or in collections. And in whole, this process has been interfering with my time, and interfering with my work. As the only time to attempt to reach HAND is during my working hours. More often than not, to a phone that goes un-answered. I can not continue to step away to hope someone at NACA answers a phone, or to send another email.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I was victim of a hostile account takeover in XX/XX/year>. My information was used against me in a fraud case and Citibank accused me of it being my fault. They took calls from someone who wasn't me and gave them my information so that they could get me to transfer them money. My debit card at the time was used at an office depot in Florida and fraudsters used this transaction against me. Since then, Citibank has refused to give me my money back and has blamed me for this incident. The amount of {$14000.00} was stolen from me and Citibank refuses to give me my money back.
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Mobiloans, LLC (OH)

Im having a hard time paying on this loan. I am also not making much progress paying the loan down. Even after multiple payments, my balance is still {$2000.00}. I am not making much progress. I am past due now and am really struggling to make payment.
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

This concerns Synchrony Bank Amazon card. I stopped payment of {$480.00} on XX/XX/XXXX and replaced it with a {$500.00} payment the same day. They recorded the {$480.00} payment once on my account and returned it twice on my statement, adding a charge of {$480.00} to my balance. My payment for {$500.00} cleared the bank with no issue. I have called six times and sent several letters concerning this with absolutely no luck. This should be easy- one payment less two reversals = equals money back to client. I have absolutely no confidence in this organization. It doesn't seem there is one person there who can add or subtract!!!
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Citibank accounts opened up in my name. I immediately notified the Citibank fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. CitiBank continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I viewed my credit report and saw an old bankruptcy that should not be reporting. Chapter XXXX bankruptcy XXXX. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, XXXX and Experian claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and XXXX and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.
Consumer complaint received 2015-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

Dear Sir or Madam : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. 

However, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. 

According to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. 

According to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. 

In addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I was given a trial loan modification for 3 month mortgage payments, after that Caliber Home Loan send me at complete loan modification package to sign and return to them. I did what they asked me to do. However, the package according to them was not received on time. was suppose to be there by XX/XX/2019. But I send on time with a Payment of {$1300.00} Mortgage Payment. I have been talking to them Since XX/XX/2019 if they have received the package they told me NO. You are in foreclosure and your sale date is XX/XX/2019. Pleas help me to find a solution for this situation I am in. 

Caliber Home Loan Loan Number : XXXX Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (WA)

I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.
Consumer complaint received 2015-09-26
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX
Consumer complaint received 2022-01-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (FL)

Name of the company : InstaLoan at XXXX XXXX XXXX, Fl For a full year starting XXXX through the present XXXX XXXX, I has been paying around {$300.00} plus every month and until today, the amount is higher that the inicial : I toked {$2500.00} and give the my car title ( XXXX XXXX XXXX XXXX ) I call them after the XXXX XXXX  until now asking to pay less amount monthly. 
I was try to avoid their phone call and because I have only this car to go to my appointments, etc. I am a XXXX XXXX XXXX XXXX. Their answer always is negative and theyve didnt nothing for help me. 
I get the XXXX virus XXXX XXXX, plus I have a XXXX XXXX, and I explain each time for help to down my monthly payment they answer me : if you dont pay us, we will take the XXXX. That scared us ( my wife and me ) she is not working anymore after the XXXX XXXX XXXX XXXXXXXX until today XX/XX/XXXX. May you help me please? 
The car is in my name. 
Thanks for your help.