davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CJA Auto Sales, Inc. (AZ)

I was served a civil complaint for a debt for an auto loan by CJA Auto Sales, INC. around XX/XX/XXXX. 
I had cosigned an auto loan with my now ex-wife. We were divorced in XXXX. 
The court documents states that the loan was breeched/default on XX/XX/XXXX. 
( Ex-wife told me she paid it off, thats null ) In Arizona, that statue of auto collections in 4 years. I should never have received this. 
I contacted CJA Auto Sales, INC. and they explained that they did not know where my ex-wife was, so they are going to get the amount from myself. 

In good faith and not knowing any better, I verbally agreed to pay {$250.00} on the XXXX  per month. 
CJA, Auto Sales, INC does not allow online payment. You must call in to make a payment. Only one person can take the payment, somedays they aren't there etc. So it forces you to be late making the payment.

Each month, I have called, I have asked for a receipt. I have been told the receipt is the payment on my bank account. They do not issue receipts.

Each month, I have requested a statement. I have been told no, or its in the mail.

It now has been one year, and I still have not received a statement. I do not know how much is owed? I do not know what has been paid, or what " fees '' I have accrued.

I have requested the paperwork and documentation of what the car was sold for, the original loan and the documents I signed. I was told they do not give that out. 

I just requested an End of Year Statement in XX/XX/XXXX, still has not come. 

I have now made a total of 12 payments at {$250.00}. Based on the court documents I owe {$5500.00} I have not been told my account number or loan number. 

I understand my responsibility as a cosigner, I also have the right to the documents I am requesting. I am requesting receipts, original loan documents, current the statement.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX has inaccurately and illegally reported false information and a fake account to my credit report on XX/XX/2020. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Report Fraudulent Inquiries Dear TRANSUNION I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX. XXXX XXXX - Banks and XXXX XXXX XXXXXXXX - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Jewelry, cameras, and computers- XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Banks and XXXX XXXX XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX  - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX - TransUnion ( multiple entri XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX XXXXXXXX - XX/XX/XXXX TransUnion XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX TransUnion XXXX. XXXX XXXX - Automotive - XX/XX/XXXX - TransUnion ( multiple entrI XXXX. XXXX  XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Banks and XXXX XXXX  XXXX - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX - Finance, personal - XX/XX/XXXX TransUnion XXXX. XXXX XXXX  - Jewelry, cameras, and computers - XX/XX/XXXX - TransUnion I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I had been considering switching banks and came across an offer for new Citibank banking customers. The offer states that Citibank will automatically deposit bonus amounts in cash for new customers opening accounts. I deposited {$80000.00} into a new checking account which qualifies me for {$1000.00} bonus which needed to be deposited within 30 days after a 90 day period during which you must maintain is {$75000.00} minimum balance. I meet all qualifying conditions, fulfilled all requirements but I haven't received the promised bonus amount. At this point it is almost 3 weeks past the said bonus distribution date. Please see attachments I called city bank customer service six times without any results. Each time I am told I qualify for the bonus but I am yet to receive it. I inquired about the reason for delay but keep getting inconsistent answers. One day I'm being told my complaint has been reviewed and funds will be deposited in 48 hours next time I'm being told they are still investigating.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (CA)

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 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Attached to this complaint are : - My drivers license - shows ID + address - My social security number - A letter I also sent via certified mail on XX/XX/XXXX - FTC Identity Theft Report
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NY)

I went to a car dealership to apply for a vehicle and they stated they would only be allowing one bank to pull my credit report. However there were over 20 hard inquiries. Some from the same bank twice or three and four times. Such as : XXXX XXXX XXXX XXXX XXXX XXXX ( twice ) XXXX XXXX XXXX  ( three times ) XXXX  XXXXXXXX XXXX XXXX ( Four times ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX three times XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite two previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2023, I initiated a XXXX payment to a person/business under the name of XXXX XXXX XXXX email : XXXX through Regions Bank for a purchase of {$77.00} XXXX XXXX stopped all communication after receiving the money. I reached out to Regions to report the fraud. 
As I awaited Regions decision, I searched XXXX and found that the person ( s ) [ XXXX XXXX aka XXXX XXXX aka XXXX XXXXl aka XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX has been busy for at least XXXX years scamming people. 
I shared the above with Regions and the representative encouraged me to file a complaint and submit for a refund. They denied the refund request stating I authorized the payment. I did authorize the payment under the understanding that the person/company was legitimate. 
My niece did business with the person in the past with no issues so I was clueless to this scam. 
I saw an article recently where there are new requirements for banks to return the monies persons who were scammed through XXXX and like programs. 
Please assist.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

on XX/XX/2023, I bought a XXXX XXXX XXXX at my local XXXX  XXXX  for {$6.00} and added {$150.00} to it to buy my wife a valentine 's day gift. I was able to log into their website, activate the card, enter a pin, and check my balance only on that day ; That would be the last time their website would let me in with the card. When I went to use the card online and for in-person shopping, the card was declined and never worked. 

I went to check the website again, it gave me a popup that said something along the lines of their system was undergoing upgrades, please try again later and sorry for the inconvenience. This popup continued for roughly 4-5 days, until I checked it this week. It said my card was invalid and I should contact customer service. 

Their website does not even have an email address, just some lousy automated number that says my gift card information is wrong, even though I typed it in correctly. 

I called customer service and when I finally got a response, I told the lady behind the call Hey, my card says its invalid on your website and I cant log in. She said Okay let me check your card, put me on hold again, came back and said Sorry your card isnt in my system please log into the website. Then immediately hung up on me. Customer service was absolutely useless and now every time I try to call again, I end up being on hold for hours with no answer. 

Today, XX/XX/2023, I went back to the XXXX where I purchased the card and the manager helped me get more information about my money and the pre-paid card. He told me that the money I put on the card was used the minute I activated the card to a company called XXXX. They told us to file a claim to get my money back and that it can take up to XXXX months before they even look at my case.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX Account number : XXXX
Consumer complaint received 2023-02-10
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. (AL)

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.