davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My application XXXX application # XXXX XXXX to Bank of America to renew my Home Equity Line of Credit was denied. on XX/XX/XXXX. The reason stated was " Debt to Income ratio was too high. Here 's the information I provided to the bank. 
!. Credit Scores My score is XXXX my wife 's is XXXX 2. Estimated value of my house {$840000.00} 3.Loan balance of existing loan wit BofA {$170000.00} 4. Balance of my IRA accounts on XX/XX/XXXX ( date I submitted my application XXXX {$640000.00}. 
5 Our Social security income was {$26000.00} 6. 2 years of tax returns and my IRA distributions for XXXX I calculated my Debt to Income ratio as follows : Monthly Debt Mortgage XXXX Taxes XXXX Credit Card monthly minimum XXXX ( We always pay the complete credit balance to avoid high interest ) Home owners insurance XXXX Flood Insurance XXXX Car lease XXXX Car insurance XXXX Total monthly debt $ XXXX Monthly Income I use XXXX XXXX to calculate my taxes. Looking at my tax history from XXXX thru XXXX XXXX estimated XXXX the income averaged {$80000.00} per year or {$6600.00} per month. 
using those figures for monthly debt and income My DTI is XXXX = 30.6 % My research indicates a good DTI ratio is 36 % and 45 % is maximum. 

I can't understand based on this information how they can deny me for a high DTI ratio.This in spite of the fact that I already have a HELOC with Bof A and was just trying to lower the interest rate ( no increase in loan amount ). 
Perhaps they don't like to lend money to XXXX year olds. 
Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To my absolute disbelief, I found inaccurate accounts on my credit report this evening and Im baffled as to how this could have happened. I regularly review my credit, but this time, things were off. I even refreshed my browser to see if it was a technical issue, but the false accounts remained. I need the documents Ive sent to be checked thoroughly so that I can stop worrying about this once and for all.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I got a loan through my bank to pay off some credit cards. When I talked to an associate for XXXX XXXX credit, I was given a payoff amount. That is what my bank sent a check in for. I was told the payoff amount would be {$820.00}. The payment posted to my account on XX/XX/XXXX, bringing the balance to XXXX and I was told this would pay off the card. I didn't check my account for some time, as I was not going to use it. I did check it some months after, and had a big balance. On XX/XX/XXXX, I was assessed an interest charge on purchases ( which I did not have any purchases ) for {$18.00}. Each month thereafter, I was charged interest on purchases, which there were none, and also late fees. Ridiculous. I messaged them through the website and was told that I am required to pay this. I think this is very unfair practices and am being taken advantage of. I make payments when I can, but am behind due to all of these charges. The purpose of getting the loan was to pay off the cards. This is the only one that I had issues with. My current balance is now an astronomical {$500.00} for interest on purchases ( never made ) and late fees. I am trying to get ahead financially and this is not helping at all. I have attached the XX/XX/XXXX statement and the XX/XX/XXXX statement. I can send all other statements in between if needed. There is also an XXXX spreadsheet attached of all activity. I would attach the copy of the messages from the website, but they are deleted after 120 days.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (AR)

On XXXX of XXXX, I have XXXX XXXX, I keep the service 2 days, so I cancelled it due to XXXX XXXX  not having my desire channels. XXXX charged me for a month, I complained about them not honoring there 14 day policy of not paying if canceled within that time so they told me I didnt owe nothing. On XX/XX/XXXX I received a credit alert from the credit bureaus that a collection agency named SEQUIUM ASSET SOLUTIONS placed a collection amount of {$44.00} on my XXXX, XXXX and XXXX. I havent received any kind of correspondence, no mail or phone calls and it was just placed on my credit breaking laws pre the debt collection laws and Fair Credit Act.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : Transunion, XXXX, XXXX, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( Transunion and XXXX date is XX/XX/2018 and XXXX date is XX/XX/2018 ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information.

Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to Transunion, XXXX, XXXX, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/year>, I try to pay with my debit card at a gas station and it was declined I went to the XXXX XXXX XXXX and spoke with the assistant manger she was not able to tell me the reason so she just hand me a phone number to call by myself, when I called the number after XXXX minutes waiting a gentleman answer the phone he told me that in the next XXXX  days I will be receiving a letter explaining the motive why my account was closed and a Cashier Check with the balance of my closed account well it's been more than XXXX  days since I made numerous calls to find out what is stopping the delivery of the promised letter and the cashier check so far nobody is able to tell me a logic reason of the delay, today XX/XX/year> I call again for the XXXX time to find out and still the same answer nobody knows what's going on.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

Dear CFPB I have been waiting for unemployment since XX/XX/XXXX. I have been having to borrow funds from several different people to make ends meet. I finally get my unemployment check and bank is charging me {$70.00} in fees. I ask them to return but they didn't
Consumer complaint received 2023-04-27
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)

XXXX XXXX Transunion are keeping unauthorized inquires from the following companies on my credit report, XXXX has removed all inquires in question. 

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES Inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the company ( s ) listed above. To my knowledge, I have not signed any documents authorizing the company ( s ) in question to view my credit report. The listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.
Consumer complaint received 2024-09-12
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. (VA)

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 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 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 2024-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (UT)

On XX/XX/year> my Husband and I received a notice of debt to XXXX XXXX XXXX from Sentry Credit, INC. ( noted that the Statement is dated XX/XX/year> ) The statement from Sentry Credit stated we owned them {$1500.00}. We had not received any notification from the apartment themself. On XX/XX/year> I called and talked with the Apartment manager and she said that it was a glitch in the new system and she said that she said it was corrected and that it would be pulled back from the collections. in the mean time she sent me the ledger so that I had evidence that we did not own them any money, in fact they owed us {$160.00}. Today XX/XX/year> I called them twice in attempts to verify that it was being pulled back and that this was not going on our credit score. but each time they would not talk to me unless that validated me with my DOB and SSN I asked if there was another way to validate me, and they would not. then I asked for a debt validation letter and they would not unless I gave them my DOB and SSN, which I didn't give. then they called me and was asking for the same thing and would not acknowledge me asking for the validation letter. they gave me our old address when they sent the notice to our new address. I gave them my DOB and she said it was incorrect and need my SSN. I told her I was uncomfortable and would talk with the apartment. I tried to call the apartment twice and did not receive a response. I will sent in a written request on how to dispute the debt.
Consumer complaint received 2024-09-11
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. (NY)

I am writing to formally dispute XXXX unauthorized hard inquiries that have recently appeared on my credit report. After a thorough review of my credit history, I have identified the inquiries, which I did not authorize.
Consumer complaint received 2024-09-10
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-24
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. (CA)

on XX/XX/XXXX I submitted a dispute in regards to a XXXX XXXX credit account. The account was charged off in XXXX, however the bank was still reporting delinquent monthly payments. On XX/XX/XXXX I received an update from update from Experian stating the account was now being charged off as of XX/XX/XXXX negatively impacting my credit. The charge off date should be reported as of XXXX like it was originally.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

The month of XX/XX/2020 Wakefield & Associates was send a certified letter asking to send me information about this account and this company refused.I have send several letters and made several calls to this company requesting the following : -Please provide copy of sign contract XXXX in its original form ) that shows I agreed to pay your company for your services. 
-Copy of bill statements from you company for the months of XXXX, XXXX, XXXX and XXXX. 
-Provide copy of any judgement from courts stating I must pay Wakefield And Associates for their services. 
-All statements from original creditor. 
-Provide your company license number. 
-Please break down and explain how you calculated the balance for this account from your company.
Consumer complaint received 2020-04-23
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. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX  XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}
Consumer complaint received 2024-09-11
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. (CA)

I have loan with XXXX XXXX  XXXX. I have always made my payments on time. Ive contacted the bank about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions. These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts. I have provided documentation of court decisions on the validity of these accounts but they seem to ignore them. ON top of that they have removed access for me to view my credit report. I have sent them my documentation to have access to my credit report but haven't been able to access my credit report.
Consumer complaint received 2024-09-11
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX