vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-26 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:
To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on.

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion has dropped my credit score some XXXX points. I feel TransUnion should Be investigated for Racist and Discriminatory Practices because if I were A XXXX male my score would be higher. I would like to know how they Come up with a Credit Score. All my accounts are paid on time and yet I have a XXXX Credit Score. I do n't see how they come up with such a low Score unless they give XXXX XXXX Males low Scores. 

Again I want an investigation into their Practices of Discrimination. 

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 explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: AZ

Complaint narrative:
Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
I do not have any outstanding balance with University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Corporation of America
State: FL

Complaint narrative:
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
since XX/XX/XXXX i have submitted a higher monthly payment that my monthly payment due and requested that the difference be applied to the full principle amount that would leave me with an even amount due the loan company continues to apply interest dispite my requests. i have spoken to XXXX quote un-quote mangers who stated that would remove the interest amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation
State: TN

Complaint narrative:
Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CASHCALL, INC.
State: CO

Complaint narrative:
I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.

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 explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: AZ

Complaint narrative:
In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX XXXX, I wrote to Equifax disputing my current mortgage on my credit file ( XXXX or XXXX ) is currently reporting my first delinquency date being XXXX XXXX. I had supplied documentation ( enclosed XXXX to them outlining that the previous servicer XXXX XXXX XXXX XXXX XXXX was reporting on my credit file that my first delinquency date was XXXX XXXX. 
On XXXX XXXX XXXX, Equifax written a response ( enclosed XXXX that XXXX is no longer reporting because of the date of the first delinquency XXXX XXXX XXXX ) being reported on my original credit report dated XXXX XXXX, XXXX XXXX enclosed ) is beyond the 7 year statue of limitations. 
Equifax also responded on XXXX XXXX, XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does belong to me. I never had mentioned in my previous dispute ( enclosed ) that the account was not mine. I specifically disputed that my original servicer ( XXXX XXXX XXXX XXXX was no longer reporting on my credit file and XXXX should also not be reporting as well and nothing else. 
I also have provided a previous credit report dated XXXX XXXX, XXXX before the loan was transferred over to XXXX on XXXX XXXX, that the date of first delinquency did not change and it was always shown as XXXX XXXX XXXX see bottom of page XXXX going into page XXXX of the XXXX page document and the highlighted page is included ). 

Please also keep in mind that the other XXXX repositories XXXX XXXX XXXX are no longer reporting this trade-line. 
The desired resolution I want to have occur is that the account XXXX be removed from my credit file because the date of first delinquency was over seven years ago and is now obsolete and be removed just like the previous servicer XXXX XXXX XXXX had done in which Equifax had admitted in its XXXX XXXX response to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: PA

Complaint narrative:
I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: MA

Complaint narrative:
I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation