davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (PA)

I went from having a family of 4 Auto Insurance policy coverage to getting a policy for 2 of us. During the last 6 months of the family of 4 auto insurance poicy coverage period, I was moved from 2nd person on policy to 1st person, primary policy holder. I was moved into the primary policy holder position because of my credit rating being better then my spouse. When this happened, I became the primary policy holder.

When I became primary policy holder for family of 4 plan, for the 6 months, all the previous accidents went against me when I tried to pull up rates from online auto insurance rate companies. They said that they use Lexisnexis system to pull up policy accident reports. 

3 of these accidents belonged to my daugher. 1 accident belonged to my spouse. I was trying to get a policy for me and my son. Neither of us had any accidents. But the accidents were now being used against me because Lexisnexis system shows all these accidents were from my family of 4 auto insurance policy, and I was primary policy holder on the date I was trying to get a new auto insurance policy. 

My online auto insurance quote, from XXXX XXXX, went from {$70.00} a month to {$170.00} a month. 

I have to get another auto insurance policy in XXXX. I need these accidents removed from my Lexinexis profile. I just got done paying an extra {$100.00} a month, for 6 months, because these accidents, that weren't mine, were applied to my premium. 

I need Lexisnexis to remove these accidents. On XX/XX/XXXX, I ordered my Lexisnexis consumer report from their website and I have not received it yet. 

I need Lexisnexis to remove these accidents, and I'm running out of time to do this in their system. 

Please start a complaint investigation in your system. 

These are the accidents that were used against me from my family of 4 auto insurance insurance policy : XX/XX/XXXX Daughter Rear ended XXXX XXXX  vehicle at a stop light in the XXXX XXXX XXXX Paid out {$2500.00}, claim number XXXX, policy XXXX XX/XX/XXXX Daughters friend, driving XXXX XXXX XXXX, slid on snow/ice, hit trees. Driver complaining XXXX XXXX XXXXXXXX XXXX Paid out {$7000.00}, claim number XXXX, policy XXXX. 

XX/XX/XXXX Insured driving XXXX XXXX XXXX XXXX XXXX XXXX when driver side front tire fell off- Male Spouse Male Spouse was the driver, paid out {$3400.00}, claim number XXXX, policy XXXX. This was a claim that paid out under comprehensive. Everything else was collision. 

XX/XX/XXXX Insured vehicle turning left on XXXX from XXXX. XXXX XXXX had the green light, other vehicle turned in front of her to make his left onto XXXX, hot other vehicle on passenger side. s Paid out {$8100.00}, claim number XXXX, policy XXXX. Daughter was the driver for that one. 

From my XXXX XXXX policy # XXXX
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Santander Consumer USA Holdings Inc. (CT)

I paid if my vehicle loan form Santander auto loan a year ago, at XX/XX/2020, the paid off report was never sent to credit report services. I contacted the Santander bank a hundred times, getting only promises.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NJ)

The mentioned account ( Brigecrest Auto ) states that the account was delinquent on numerous dates, that the vehicle was recovered, and that one or more statements are inaccurate. If the company reports that the car was repoed it should show when the vehicle was sold or redeemed it shows neither in my credit profile. I spoke with Bridecrest directly and the representative informed me that the vehicle was scrapped and could not be recovered, so in regards to this being the case how can ( Bridgecrest Auto ) be reporting that the car was repossessed, I would just like this company to work with me in stating the facts with dealing with account.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXXXXXX 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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NY)

15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION.

THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (NY)

I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX  and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Received letter from XXXX XXXX XXXX stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at XXXX. When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have complained about these XXXX fraudulent inquiries for many days and they have not been removed by Experian. 

XXXX. XXXX XXXX XXXX XXXX I have provided identify theft reports and police reports multiple times and now I am submitting a new identity theft report so that you UNDERSTAND what I am complaining about! 

Please remove these XXXX fraudulent inquiries from my credit file that you are reporting? Thank you for your assistance.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed immediately.
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

my account is listed under XXXX It has a negative XXXX balance There is no transaction that matches this balance. 

I am disputing this is fraud I tried to call and I get referred to debt collector who also can not provide transaction detail Unless you can provide detail I want this credited and any negative credit reporting removed
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC (GA)

Hey I bank with XXXX banking its app they are under elove bank and trust. Im contacting you guys cause I havent received my check and its been 5 days since I was supposed to get my check, they came that it was my employer ( XXXX ) they havent sent it but I contacted my payroll department and they gave me a transfer number where it shows XXXX received my deposit but didnt put it in my account and they keep giving the run around and not explaining the issue and just XXXX XXXX have photos for proof you can even go on they social like XXXX and XXXX and XXXX XXXX and see every people complaining about the same issue its thousands of us and this is ridiculous I already report them to fdic
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus XXXX ; XXXX  to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2020-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A. (DE)

Last year, someone stole my unemployment check from my mailbox for {$210.00}, forged my signature and the people at pnc bank cashed it. I reported it to pnc, unemployment, and the police. I gave PNC Bank the proof of the theft, the police report number, and everything was notarized. This was well over a year ago and they failed to reach out to me and make it right. On the check, there was no written data ; so was the teller in on it? I have so many questions and no answers. Last month while reaching out to them they said someone will get back to me at the branch where it was cashed ( XXXX XXXX XXXX in XXXX Delaware ) and still waiting on a response after multiple attempts to reach them through phone and email. I need my money back. Why are they giving me a run around?? Why not just make things right? Attached is proof of me reaching out. That's just through email.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I have a loan with Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

On the XXXX of XXXX, 2020, I called to get my FHA MIP Insurance ( PMI ) removed since I had paid off 20 % of my loan. The PMI is {$86.00} per month. I was told that I qualified and that the process would take less than 30 days. I specifically asked for some sort of acknowledgement be sent to me that my request was received and would be acted upon. I was denied this request. I was told that the only notification I would receive would be a letter when the PMI removal was approved. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called and spoke to XXXX in the PMI department. She told me that the PMI removal was not processed in XXXX, so she would submit another. She also said she would call me back Friday the XXXX of XXXX, 2020 with a follow-up status. I then also put in a complaint that nothing was done in XXXX. I asked for reimbursement of the PMI since the loan servicer did not do its job and that cost me money. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called back since I never received a follow-up call from XXXX. I spoke to XXXX in the PMI department ( ticket XXXX ). He told me that the PMI removal request from the XXXX was processed, and it would be taken off the next bill. He sent me a secure email and mailed a hard-copy, both of which I received. I then inquired about my complaint. XXXX informed me that the complaint was not entered correctly, so no one else saw it. He told me he would escalate this complaint to his manager. I asked for 3 things : 1 ) reimbursement of 2 months of PMI since the loan servicer didnt process my request for 2 months, 2 ) a call back from the manager on Tuesday the XXXX, 3 ) an explanation of what went wrong on both of the prior calls. 

It is now the XXXX of XXXX, 2020 at XXXX XXXX  EST, and I have not received a call back from anyone at Mr. Cooper.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.