vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with XXXX, Transunion, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
denied credit and mortgage based on retaliation and record falsifications bureaus and XXXX condones and or allows to be used to stop loans and credit legitimately this arises from prior complaint made to u and XXXX prior fabricated false claims by bureau. this further arises from fabricated judgments and public records done so deliberately by the officials with aid of banks and others corruptly. this further arises from the va and XXXX refusing to make accurate records of the XXXX XXXX in XXXX military retirement owed me the va should of paid and refuses to request XXXX to do an audit to verify ( debt ratio ) the XXXX did grant a loan application after last complaint here, but manufactured reasons to not close timely and drop mortgage and now claim i not eligible for same based on bad creit from falsified credit report fixed XXXX as a result of their wrong doing. said report falsified by falsifying some of first report falsification and based on this falsification of judgement records that are no valid on face and by statute as well as others fabricated by state agents to harm me after threats and without any authority and or due process of law. ( see XXXX title ) also see XXXX records since last time complaint filed and XXXX droped of and now more should be as bogas scams by bureaus and related indirectly to prior scams by themXXXX judgement not valid as matter of law per statute no collectable after case time done. other a judge signed i owed county money they paid lawyer to fix records for county on crimes that could not be charged by state or county while they denied me access to act as counsel personally a fruad scam all subject to federal civilrights suit obstructed by corrupt officials threats to harm XXXX denied loan by fraud and refused to correct name to do so after usa had and all else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I received my signature card in the mail after opening a savings account. The signature card revealed my entire social security number. I felt like this was not a good practice to expose the entire social security number of the customer, especially through XXXX mail. I felt as though they were setting me up for identity theft. I called twice to complain and I was told it is simply their policy. I had no idea my personal information would be tossed around so carelessly by Ally Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have an auto loan with Ally Financial. They are over charging me for interest, my loan states 12 %, but some months they charge about 60 %. They are not crediting my account correctly. They are stating i owe 3 months. I showed them i paid it accordingly, maybe a bit late but paid. They are crediting wrong months. I got an extention XX/XX/XXXX, pushing a payment to the end of loan. They asked me to pay a certain amount XX/XX/XXXX then balance XX/XX/XXXX. I did that as agreed, they now tell me i did n't pay either month. I paid 2 months in XX/XX/XXXX, they said i only paid one month, stating one was returned, it was n't. They send me threatening letters if i do n't pay they will take action. They are charging me late fees because they are crediting my account incorrectly, just a way to collect more money. They are reporting to my credit reports incorrectly. They called me on holidays and days i specified them not not to, they called me at work. They said they can calll to collect whenever they want even at inconvient times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Transunion refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC
State: MI

Complaint narrative:
This company is a complete scam, as soon as they cashed the cashier check I sent to them for {$3600.00} on XXXX/XXXX/2016 the very next day I asked them to return my money because I was n't confident they can stop my sheriff sale on time which was set for XXXX/XXXX/2016. When I contacted Core Advisory Group back in XXXX/XXXX/2016 and what made me decided to call them in the first place is the mail advertisement they had sent me saying that I am a plaintiff for a lawsuit against my lender and that they can lower my mortgage payments and stop my foreclosure so I called their XXXX # and I spoke with XXXX XXXX who told me that I had a strong case for them to take on. I even disclosed to her that I am currently in a chapter XXXX bankruptcy and there is also a sheriff sale date on XXXX/XXXX/2016 but she promised me that they can still stop the sheriff sale so I agreed to give them a shot. Once they received my money they referred me to a lady in the name of XXXX which handles bankruptcy and XXXX told me nothing can be done because I am already in a Chapter XXXX and it can not be converted into a chapter XXXX. I told everyone this at the beginning already and they still took my money so I told them on XXXX/XXXX/2016 I want to cancel and my money back. I ended up losing my house because of their false promises and lies that wasted my time and money when I could had used that money to hire someone else to help me. This is a scam and they need to be stopped. I want my money back. I paid these people upfront before they did anything for me. Now I lost not only my house but my money and it is not right that they are allowed to stay in business and prey on people like me. They did not do provide any service for me and they are refusing to give my money back. I need your help!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services
State: VA

Complaint narrative:
Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is preventing from access my annual credit report online, as well as preventing access to my state security freeze option by preventing me from " registering '' to their site. As Transunion has now added site specific registration for all facets of their system, without the ability to register, I have been blocked from all Transunion online access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

For resolution : Removal of the following inquiries on my Transunion credit report immediately : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Left numerous voicemails that my local sherriffs dept would file a warrant for my arrest unless i paid within 30 minutes, they would find me and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
there is a fraud account listed from XXXX # XXXX that was opened back on XXXX which i have disputed numerous times with the creditor and the credit reports for months now the creditor sold this fraud account to XXXX as a charged off account when in dead it was a fraud account, the creditor never followed up with my disputed and ignored my disputes and never resolved the fraud dispute with this account and needs to be removed from my credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an account on my credit report XXXX XXXX says it was opned in XXXX and now closed in XXXX. Explain to me how that 's possible. This is reporting incorrect information, and you the CFPB refuse to do anything about it. I also wanted to mention if Transunion is saying I have a bankruptcy, on my credit report. The way this is reporting is also wrong according to the federal bankruptcy laws & gt ; you can not have closed as Derogatory account on your report according to the federal bankruptcy laws Take a look at the way this is reporting Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Auto Lease Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Chapter XXXX ; dispute resolved/ consumer disagrees Payment History Latest Status : Unknown No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation