davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ).

- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments.

- Patenaude confirmed receipt of the account information and approved the automated payment method.

- Payments were consistently made on time per the settlement agreement until the onset of the pandemic.

- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ).

- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX are seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have accounts on my credit report. 

XXXX. XXXX XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX {$210.00} XXXX. XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-02-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX OF XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2023-12-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

I setup a new exxon mobil smart card credit card account in late XXXX. 

The objective was to enjoy virtual payments through my cell phone at gas stations. I setup reoccurring payments upon receipt of the new exxon credit card. Since I used the card only for gas, I never really thought about the account, it was a small balance credit card. 

Turns out, I had been setup to only pay the minimum payment amount on a re-occuring basis, something I never do when I setup automatic payments. As a result, I was charged interest every month for XXXX months in XXXX and all of XXXX the entire duration I had the card. I am certain that I setup the correct option, last statement balance. 

When I realized the credit card was near {$800.00} through XXXX in XX/XX/XXXX, I realized that I had not bought {$800.00} of gas that month and signed in. Turns out, exxon mobil had charged me interest every month since account inception. 

I complained, they ( exxon mobil credit/citi ) were rude, I paid off the balance, they waived last XXXX months of interest. Still waiting for those XXXX months to hit my account. I closed the account thereafter.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (OR)

Rocket restructured my loan under the Cares Act at the height of the COVID Pandemic and put late payments on my credit report, even though they said they would not. This went against everything they told me. Dishonest business practice and no willingness to remove the late payments from my credit report. I am currently going through the purchasing my second home with them and they won't budge, even though I paid off my first loan in it's entirety. I will continue to leave bad reviews as long as they stay on my report.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Chase informed me my account was closing because I had to many disputes. I am fine with the account closing. I was told to go to the branch and they could wire or give me a certified check. I got to the branch they called internally and was told that they couldnt give me any money until all the disputes are closed. I said well keep the money in the account just in case this dispute dont return give me my rest of my money which is about XXXX. They said they couldnt do that, we had to wait. I do not have any money for gas, food or utility bills. If any remaining disputes are open, just close them and debit the money out of the checking account. Chase will not let me withdraw my funds
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (GA)

I am filing a complaint against Lewis McDonnell & Associates because they are in violation of FACTA SEC. 312. The information they are reporting the credit bureaus are completely inaccurate because this account does not belong to me. I have written 2 letters to Lewis McDonnell & Associates directly disputing the information and have not received any response. It is against the law for this company to continue to report this information to the credit bureau. I have attached the first letter dated on XXXX. I have attached the second letter dated XX/XX/ that was sent via certified mail with return receipt. This letter was signed for and received by Lewis McDonnell & Associates on XXXX  ( proof attached ). This companies refusal to comply with any and all aspects of FACTA - SEC. 312 is causing damages to me for which I should be compensated for.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (DC)

I am still having difficulties for Carvana LLC to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Synovus Bank (GA)

On XX/XX/XXXX I opened a new account online with Synovus Bank and my account was debited twice for the initial opening deposit of XXXX. I contacted Synovus for over a week via messaging, calling customer service and was told I needed to call my previous bank and have them resolve it on their end. Made no sense but I contacted my previous bank and they reversed one of the 2 ACH withdrawals. A few days later Synovus blocked my account and card, I called customer service once again and was told I needed to go into the branch. On XXXX  XX/XX/XXXX I went in and was told by XXXX XXXX my account was under review by their " Financial Crimes . Department ". She sent them an email explaining what happened even showing them the duplicate XXXX ACH debit opening charge. It is now XXXX XX/XX/XXXX my account is still " Under Review '' nobody will give me answers and I can not access my money. I have since called repeatedly and found out they were closing my account 3 weeks ago and sending a check to me in the amount of XXXX. I never recieved my checks so i once again contacted synovous. Today is XX/XX/XXXX and I got a check in the mail from them for XXXX I have never in my life been treated so poorly as this Bank is treating me.
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (TN)

Was in a repayment plan with Wells Fargo due to struggling with paying mortgage after divorce, they ended up foreclosing on my home even though I was sending payments. Today XX/XX/23 I received a check from them for an error when the loan was considered for payment assistance options. It has be roughly 10 years since the foreclosure happened and I really dont see how it was possible for them to foreclose on my home when they owed me money.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

My bankruptcy information is incorrect. Case ( docket ) number is wrong, asset amount is wrong. 
Moreover, XXXX and XXXX say that LexisNexis provides them with bankruptcies data. But they list USBC as a furniture of this data. This is incorrect.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (CA)

I contacted the company by telephone on XX/XX/2023 to inform them of my new mailing address and that I required a new card to replace my expired XXXX. I was told that my account would be updated, my new card would be mailed and that this would be initiated without any issues. 
On XX/XX/2023 when I attempted to activate and use my new XXXX, I was unable to do so. When I then contacted Destiny MasterCard/Concora credit, I was told that there was a security block placed on my card due to suspicious activity. When I inquired as to what this activity was, I was informed that it was the change of address that I had requested ( the only such change I had ever requested or listed on my history in approximately XXXX years ). Subsequent to XXXX phone calls and conversations with no less than XXXX different XXXX credit representatives, I was told that there was no solution available that would lift the block on my card short of my mailing in a paper copy of my drivers license ( also disregarding my " electronic communication '' account preferences ). Despite my requests to speak to XXXX different account managers and my insisting that my license would reflect my prior mailing address, my offer to email in the license instead and my telling the representatives of my need to access my card, there was no solution offered to me aside from long telephone holds. 
I this closed my account out of sheer frustration and disgust with these business practices. Credit card companies are known for their predatory behavior, but this company goes far beyond what I've experienced in terms of total disregard for customer service and desire for expediency in any realm aside from collecting capital from its customers. 
I don't know whether anything can be done with this complaint, but I hope that it brings some degree of awareness to someone with the ability to hold Concord credit accountable.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023 TD credit card charged my checking three times the amount due total amount is {$8200.00}. I called TD credit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was told each time that I had to wait XXXX to XXXX business days, today is the XXXX business day.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2023 Responded to a Wells Fargo credit card VISA offer online using mynewcard. The mailed solicitation provided a reservation number for the application allowing for minimal personal inputs to submit the form. The letter implied automatic approval. I have multiple checking and savings accounts with Wells Fargo bank. Within 5 minutes, I received an email identifying that my application was denied. The next morning I received a text message from a phone number, that I have verified originated with VISA Wells Fargo. The message states that 2 fraudulent charges have been charged to my credit card, ending in XXXX. If the card application was denied, why is there any Wells Fargo credit card associated with my telephone number? 

This is the message : XXXX : Verify Wells Fargo activity. Card XXXX {$22.00} @ XXXX XXXX {$10.00} @ XXXXXXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs. 
1 ) I did not authorize Wells Fargo VISA to make any test charges 2 ) I believe {$22.00} is Social Security Administration. 
3 ) I do not recognize XXXXXXXX XXXX  4 ) Wells Fargo VISA did make a hard credit inquiry, as I got a warning from my credit monitoring system. 
5 ) I have not had a credit card with Wells Fargo for more than 3 years, so I do not know where the 4 ending digits are associated with ; At that time I requested that ALL credit card accounts be closed and received notification from Wells Fargo VISA that the accounts had been closed. The numbers do not match any bank account that I have. 

I have been on the phone with VISA Wells Fargo for the past 30 minutes : XXXX. It is Friday, a normal business day. The front office associate is not able to connect to their executive office or their Fraud department to help explain what is going on. If this is the 'efficiency ' of the Wells Fargo VISA  credit.
Consumer complaint received 2023-06-09
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (VA)

On XX/XX/2023, I called the Citi ThankYou Service Center number at XXXX. I inquired about the ThankYou points, over {$1000.00} worth, that I accumulated were missing from my account. 

I was informed that the points had expired because the credit card from which I earned them was closed, and 60 days had passed. I expressed my lack of awareness regarding this policy and inquired if there was any way to restore the points ; the customer support agent told me that nothing could be done. I asked the support representative to escalate to see if they could look into the issue further and I was informed that I would hear back in about a week. I never heard back. 

I called the Citi ThankYou Service Center number again on XX/XX/2023, asking for an update on my case. I was informed that a case was never submitted and the issue was not looked at any further. I asked the support representative to submit a case again on the issue ; this time they claimed that they could not do so. 

Since they had initially agreed to submit a case in XXXX but failed to follow through, I asked them to file a complaint regarding the lack of follow-through. I requested them to provide a follow-up on the complaint, which I was told that I would hear back within one to two days. Once again, no one contacted me. 

Additionally, I would like to point out that the information provided about the XXXX point removal policy after account closure is inaccurate according to Citi 's own website. The Points Expiration section under the Loss of Suspension of Points on their website indicates a XXXX period. 

XXXX XXXX XXXX XXXX XXXX XXXX  " You Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program. If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety ( XXXX ) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account. ''
Consumer complaint received 2023-12-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

I am writing to file a complaint against Patenaude and Felix, A.P.C. ( debt collector ) and XXXX XXXX XXXX XXXX XXXX XXXX ( debt collectors client ) for violations of state and federal consumer financial laws. 

Patenaude and Felix, A.P.C. and XXXX XXXX XXXX XXXX XXXX XXXX have acted deceptively, unfairly, abusively, and in bad faith by opportunistically exploiting the pandemic to breach debt settlement agreements and file fraudulent judgments in an attempt to alter settlement terms for financial gain. 

The details are as follows : - On XX/XX/XXXX, a debt settlement agreement was executed between myself and XXXX XXXX XXXX XXXX XXXX XXXX, represented by Patenaude and Felix, A.P.C. ( hereinafter " Patenaude '' ). 
- In accordance with Patenaude 's instructions, an automated payment method was established, providing the necessary account information for monthly payments. 
- Patenaude confirmed receipt of the account information and approved the automated payment method. 
- Payments were consistently made on time per the settlement agreement until the onset of the pandemic. 
- During the pandemic, Patenaude ceased processing payments, attributing their failure to do so to pandemic-related issues ( admitted by Patenaude in writing, available upon request ). 
- Despite my multiple attempts to reestablish payments, Patenaude has repeatedly refused to accept payments per the terms of the settlement agreement, explicitly stating that they and XXXX XXXX XXXX XXXX XXXX XXXX were unwilling to abide by the agreement ( written documentation available ). 
- Instead, Patenaude and XXXX XXXX XXXX XXXX XXXX XXXX is seeking to change the settlement terms to secure an exorbitantly higher settlement amount ( documented in writing ). 
- On XX/XX/XXXX, Patenaude fraudulently filed a judgment against me, alleging a breach of the settlement agreement. 
- The current amount proposed by Patenaude is double the amount that was agreed to in the original settlement agreement. 

I respectfully request an investigation into these matters and appropriate action be taken. I am willing to provide any necessary documentation to support this complaint. Please do not hesitate to reach out.