davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have an XXXX XXXX XXXX and sometimes need to ask folks to speak slow and clear so I can understand. On four separate occasions between XXXXXX/XX/year> and XX/XX/scrub>XXXX XXXX in the fraud department at Citibank utterly disregarded this request. It made our interactions incredibly difficult, and she was not pleased to be asked to repeat herself. She gave me a lot of misinformation that was corrected by other customers service folks. 

After successfully clearing up the fraud issue, XXXX made a mistake that resulted in all of my accounts being blocked and inaccessible. My husbands card ( which had no fraud ) was also blocked. When looking it over with other members of the fraud team, I was told that this is highly a highly unusual action. appears this was done out of retaliation or annoyance. I happened to get XXXX again when I called to get this fixed. 

Per Citi policy, no one can talk about your card issues but you Even if you share an account with someone, This is for privacy reasons. XXXX disregarded all of that too, and talked at length about my husbands card with me. Thats a big NO NO! XXXX was fixing her mistake/error. Polices dont matter when its XXXX, I guess? 

All of that was going on while I was traveling, and had little access to funds. All because XXXX cant hear very well, and had to keep asking for some reasonable accommodations. Ive been a Citi client for XXXX  years, even worked for them for several. I am done with them.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Denefits LLC (FL)

Subject : Complaint Regarding Harassment and Unlawful Debt Collection Practices by Denefits LLC Dear CFPB, I am writing to file a formal complaint against Denefits LLC for their ongoing harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 

Despite my repeated requests for Denefits LLC to cease all communication regarding an alleged debt, they have continued to contact me, as evidenced by the attached correspondence. On XX/XX/year>, I sent an email to Denefits LLC, explicitly requesting that they stop all further communication due to concerns that I am a victim of identity theft or fraud. I also mentioned that I had taken steps such as filing reports with the FTC and the major credit bureaus, as well as disputing the fraudulent account. 

Despite this, I received a text message on XX/XX/year>, from a representative of Denefits LLC, which threatened legal action and continued to pressure me into settling the alleged debt. This behavior is not only distressing but also a clear violation of : 1. 12 CFR 1006.6 ( c ) Failure to cease communication after I requested in writing that they stop contacting me. 
2. 12 CFR 1006.14 Engaging in harassing, oppressive, or abusive conduct by repeatedly contacting me after being asked to stop. 

I have attached copies of the email and text message for your review. These communications demonstrate Denefits LLCs disregard for my cease communication request and their continued attempts to collect a debt that I do not owe. 

I respectfully request that the CFPB investigate Denefits LLCs practices and take appropriate action to prevent further harassment. Additionally, I would like Denefits LLC to remove any information related to this fraudulent account from their database and cease all communication with me. 

Thank you for your assistance in this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I am a XXXX male that uses Cashapp as a digital wallet. There is a friend online who I talk to every day that sends me money on Cashapp often, whether via requests or payments. Today, I requested approximately {$13.00} from this friend, but he is unable to send me money, and I am unable to request money because Cashapp is blocking the transactions for my own safety because they've sensed " suspicious activity. '' However, there is nothing particularly suspicious about this transactions I'm having a problem doing, since I very much know this friend of mine, and he's sent me money through Cashapp more than ten times already. I did not ask for their help regarding my safety with this friend of mine, nor did I consent to them blocking our transactions, especially when there is nothing suspicious about them. On top of this, since I am under 18, my account is sponsored by my guardian. This means that she can see the most important things going on with my account. When I went to ask her about it, she opened her Cashapp and did not see any notification regarding my transaction blockage. I went and told the situation to customer support via their chat system, and one of their employees who goes by the name of XXXX XXXX replied to me, " Keeping you Cash App secure is our main priority. We review payment data and if anything appears out of the ordinary, the payment is canceled. I have no further details to provide for this particular transaction, and no further action can be taken. '' This implies that they did not even try to help, or at least get someone more knowledgeable to step in if they didn't know what they were doing. This wouldn't be such a problem to me if this blockage wasn't caused by the company 's security system, and now, I can't get to the {$13.00} I need to pay for my XXXX and XXXX XXXX subscriptions. They didn't even try to tell me how to resolve this issue either.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (OH)

I received an email from someone claiming to be from Charles Schwab regarding a request for a funds transfer. I do not deal with Charles Schwab. I feel that ihis is a scam to get me to give them my account numbers from my bank.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MO)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (TX)

I want to complain Santander Consumer USA -The first thing I want let you know, The reason I miss the payment, because I think I did set up auto payment, that why I dont know about the late payment, I did not see any bank statements send to me, the last time I see on XXXX and I did make {$2000.00}. After that I did not see any mail, but you said you did send the bill, please give me all the mail tracking number, all the letter you send to me, - The second is you told me Our vendor, XXXX XXXX XXXX, hired a repossession agency on our behalf to locate and proceed with securing the vehicle. Remember, I sign the contract for the loan with Santander Consumer USA not XXXX XXXX XXXX I dont know them, and I did not sign any contact with them, and I dont own anything from them how can they can hiring company repo my car!!!! That is not right!!!! 
- the third is : you told me contact the repo company. Remember, I did not hiring them, they dont know me too, you should be contact them and give me all the company repo license, I just want to make sure who are they, because I dont know who take my car, did call police and report about lost my car. 
- Four is : I did see the loan contract you send to me, the Gross Trade-In Allowance on XXXX car is not correct, amount is XXXX not XXXX, please check it, and send me all the information about the XXXXXXXX XXXX XXXX I did trade in at dealer. Because the amount trade in not correct, that mean the loan not correct, the interest not correct, everything not correct. 
Under Fair Credit Reporting Act, I believe every thing not fair to me, you have 10 day to give me the all information I need and I will continue to go to lawyers to protect my self.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

This company has been removed and blocked by XXXX many years ago. Now at least XXXX or 2 times a year the debt collection company keeps reselling the account with different account numbers. i was told yesterday but the Identity Theft Fraud department at XXXX to list the original collector. See below. 

Creditor XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$740.00} Unverified Account Original Creditor XXXX XXXX XXXX XXXX Amount : {$740.00} Unverified Account I have mailed all supporting docs to Experian..
Consumer complaint received 2024-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I discovered that a hard inquiry into my credit report had been initiated by Capital One through XXXX on XX/XX/year>. The problem is that I have no business or accounts with Capital One, so I have to assume that I've been the victim of identity fraud. As well, upon looking at my full credit report with XXXX I quickly discovered that two additional phone numbers that don't belong to me had also been added to my credit report. 

Since then I've placed an initial fraud report on my credit report, and have filed a dispute with XXXX to have the two additional phone numbers removed- which just leaves the hard inquiry currently on my account from Capital One.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have been the victim of theft by a contractor, XXXX XXXXXXXX XXXX, who took my deposit of ~ {$60000.00} and did not perform any work. The company manager, XXXX XXXX XXXX, cashed my checks into his company 's 5/3 Bank checking account ( # XXXX ). The account is being used for theft by deception and money laundering. I have spoken with multiple other families who are also filing complaints. The total stolen between the 7 families have been around 500k. I have contacted 5/3 Bank, but we were told that there is nothing that 5/3 Bank can do. They disconnected the call when I asked if they could at least freeze the checking account to prevent these criminals from accessing it.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NJ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (DC)

During the week of XX/XX/XXXX, I received a letter from Frost-Arnett Company seeking to collect {$100.00} on debt purportedly owed to XXXX XXXX XXXX XXXX I thought I had already paid everything related to a medical event in 2022 so I called XXXX XXXX XXXX, and the billing department confirmed that I had no outstanding balance. I was then going to dispute the charge with Frost-Arnett XXXX but its online portal would not allow me to proceed without first agreeing " to allow Frost-Arnett Company and anyone who collects or communicates on Frost-Arnett Companys behalf to contact me about my account status, including past due or current charges, using prerecorded calls, text messages, email and calls or messages using live, artificial, or prerecorded voices delivered by an automatic telephone dialing system or any other computer-aided technologies to any landline phone, wireless phone number, other contact number or email address I have provided or that I obtain in the future. ''
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (MI)

I tried to utilize XXXX as I have been for years. I was denied because of " unusual activity, or fraudulent activity. 

On my PayPal account, a bankcard on file for payment rejected a payment. I called the bank and advised that this was a valid charge, and they released funds to PayPal. 

There has never been fraudulent activity on PayPal for the over 7 years I have had an account. I would like this removed from my account so I can utilize XXXX as I have been in the past. I would also like to know what transactions that are flagged as fraud because I have never reported any of my transactions as fraud. NEVER.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I have been with USAA for 25 years and I can clearly see the treatment, care and concern of the military and Veterans from USAA has changed over the years. 

I moved to XXXX  XX/XX/2024 and during the month of XXXX my account was hacked, several power bill payments from several different states was coming out of my checking account. I elected to close the account immediately but the USAA representative said I needed to keep the account open so USAA can complete an investigation more efficiently and quickly. So, I started using my other checking account I already had with USAA, leaving the hacked checking account with a XXXX balance. 
The last hacked power bill payment came out of the hacked checking account in XX/XX/2024. 
On Saturday XXXX XXXX I tried to use my debit card and it didnt work, I tried checking my account on my phone and it was locked. On XXXX XXXX I called USAA, and the representative told me that I had a new document in my USAA mailbox that stated USAA is exercising their right to no longer do banking business with me and per their Depository Agreement they closed all my accounts. On XXXX XXXX I called USAA to see if a check was already mailed and if so, was there a tracking number. The representative explained that all my accounts are locked, and a check will be mailed in 60 business days. 
Thirty days is understandable but 60? I cant even make my car payment which is with USAA, nor my mortgage or my mothers XXXX home payment. Moreover, there is no explanation as to why USAA decided to close all my accounts and no longer do business with me when I didnt do anything wrong. I was the one hacked!!! USAA is punishing me all while they didnt announce their data breach as of XX/XX/2024. My thought process is that they let go of one of their contractors and that individual may have taken several peoples information with them. What ever happened this is not good business!! 
It is extraordinarily horrible how USAA chose to stop doing business with me and lock all my accounts so I can not make my car or loan payment. However, USAA did not lock my consumer accounts as they are accruing interest every day. Talk about grimy! USAA is causing significant financial hardship and is adding to my stress, this is especially tough as a veteran who is already dealing with XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

BANK OF AMERICA Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. Therefore, I formally request that you provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (MI)

Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. 

Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX.