davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (UT)

CBE Group continues to put collections on my credit report that are my EX WIFES medical bills!!!! We are not married and have n't been for a very long time! I have never signed anything and they should not be allowed to just report whatever they want on my credit. I will have my attorney file for damages if they do not remove ALL of the accounts from my credit. I have n't been to the DR and I have no medical bills!
Consumer complaint received 2017-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

On the letter sent to me by Wells Fargo on XX/XX/XXXX they state that I was concerned about Late fee and Pay off, those are XXXX items that were not a concern to me. I spoke with Wells Fargo about a missed payment item posted on my credit report for the XX/XX/XXXX payment. I never got any email, letter, or phone call letting me know that a payment was missed or late. I signed up for electronic communication per their advice and should have received something as a reminder for my payment. I changed my phone number online but they state this never happened. 
I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XX/XX/XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. He also stated ( Per recorded communication ) that a letter should have been sent before the XX/XX/XXXX letter that I received, he felt the letter should have been sent earlier. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XX/XX/XXXX. I would like to have them remove the 30 day late notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 
This matter has not been resolved and needs to be addressed. 

I have spoken multiple times with Wells Fargo and this issue continues to be dismissed by them. They made a mistake and need to fix it. 
Sincerely
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. 
Sincerely, A frustrated customer
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equifax mishandled my personal, sensitive information, and now I have been identified as potentially at risk, due to a security breach. 

This is a very real, potentially life-changing issue, and I want to know how equifax will be held responsible to fix it.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (FL)

I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Gallatin Valley Financial (MT)

Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?
Consumer complaint received 2017-09-08
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. (NJ)

I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!
Consumer complaint received 2016-10-05
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (OR)

I received an anonymous call from someone claiming to be a process server. They called from a blocked number. They told me that I must call XXXX otherwise I would have to appear in court. I was afraid and I called the number. I spoke to XXXX and he told me that I would have to go to court if I did not make payment arrangements to pay a Wells Fargo debt. He took my debit card information and indicated that they would email me a letter that I must sign. After getting off of the phone with XXXX, I called my daughter and she suggested that we call them back to seek clarification because it appeared to be a scam. I gave XXXX permission to speak to my daughter and my daughter requested the case number for the legal complaint. XXXX directed us to his supervisor XXXX XXXX and XXXX XXXX became extremely rude when my daughter requested the case number and or law firm that filed the complaint. XXXX XXXX stated that he could not provide the case number because it is immediately removed from public records once I have entered into a payment agreement. What XXXX XXXX did next was extremely offensive and unprofessional. He pulled up information about my daughter and told her to stop pretending to be an lawyer and he knows that she only owns a food company. He mentioned the name of the food company and continued to berate my daughter. What XXXX XXXX did n't know, is that my daughter is an attorney in Florida and she was only attempting to assist me in verifying that the company was legitimate. I am requesting assistance with this company because it has cause me a lot of distress. They now have access to my account information and I 'm afraid that they have unlawfully debited my account without providing me verification.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was involved in a XXXX issue for the past 2 years. I have received a XXXX order. Due to my continued efforts over the last 2 years to leave my ex common law spouse I was forced to break XXXX leases. I now have these broken leases reported on my credit report. I am trying to relocate and restart my life but am unable to rent at any establishment due to the broken leases. XXXX XXXX Broken lease was with XXXX and occured approximately a year and a half ago. XXXX occured about 9 months ago with XXXX. XXXX been placed in collections.XXXX is with IQ Data International Inc. and XXXX is with XXXX. I have uploaded my protective order. I need these removed from my credit report in order to rent a place for me and my XXXX kids.
Consumer complaint received 2017-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (ND)

I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/2016 I started getting monthly service fees on my Bank of America account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

After getting a Citi AAdvantage credit card in XXXX 2015 I received an offer from Citibank for XXXX XXXX miles for opening a new Citi Gold checking account and making specified transactions. I opened the account, made the required transactions, and in various secure messages from Citi I was assured that I met the requirements of the promotion. I was promised XXXX XXXX, miled by XXXX XXXX. Now Citi is claiming that I am not entitled to the bonus as promised. 

I do n't understand how this can be legal. I want Citicard to honor the promise they made to me in writing and post my XXXX miles to my XXXX account Thank you in advance for your assistance.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (FL)

Equifax mishandled my information, which puts me and millions of other people at risk. I 'm listed as a potential victim per their website and will have to initiate a freeze to protect myself. I was not notified by Equifax in any way that my information was compromised. In fact, the process is to look it up yourself. This situation is an outrage.