vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about XXXX years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with Transunion ... XXXX points with XXXX ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to Transunion ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.

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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was notified of a collection against my account with XXXX. This account has been closed for XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Clarity Services
State: CA

Complaint narrative:
Clarity Services inc. called my cell phone and my job and said I requested a payday loan. I spoke with them directly on XXXX/XXXX/16 and told them I never applied for this loan. I was notified by my credit monitoring service that I had a new credit inquiry on my report. I never applied nor authorized any from this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.

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 2015-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
- called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had credit cards with XXXX and XXXX XXXX XXXX. XXXX agreed to take a settlement, but agreed to remove any negative info off my report if I paid the settlement. I paid, but they left the late pays and settlement status. I felt they lied to get me to pay and now they wo n't discuss it. XXXX XXXX XXXX helped me by setting up a payment plan. They advised everything would report Paid as Agreed and no late pays. However, I still see several late pays on all XXXX credit reports. I 've since paid off B of A in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc.
State: PA

Complaint narrative:
My mother was a patient at XXXX a few years ago. 
I do not know why they are harassing me with her debt. I am not, nor have I ever been her POA or otherwise financially responsible for her bills. 
I have contacted XXXX a couple times after receiving threatening letters from them and have ademately informed them that I Am not responsible for payment of my mother 's bills. I Have let them know the same when they have called harassing me. They have fraudently gained my personal information and is threatening to defame my name with these fraudulent charges of my owing them a debt. I do not owe them a debt of any kind. I have never been a patient there nor am I financially responsible for anyone who was a payient there. They rudely keep saying they will remove my name and get this straight but it continues to exculate and I am being harassed more often and the threats are getting more severe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.

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 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute with Transunion concerning an account from XXXX that was on my credit report that did not belong to me. The account I disputed is listed as : XXXX XXXX XXXX XXXX # XXXX It has been over 30 days since I originally initiated the dispute online. Transunion sent me an email stating the investigation was complete and I was allowed to look at my updated credit report online. When I pulled my Transunion credit report, the XXXX account was still reporting, only this time there was a statement that read : " The following item is suppressed pending credit grantor update '' pertaining to the XXXX account. I called a Transunion representative and inquired about this, in other words, what does this mean? The Transunion representative stated that this meant I was the only one that could see the XXXX account, no other creditors would be able to see this. I asked him if my investigation was complete and he said " yes. '' I asked him to please remove the account and he said he could not, that it has to stay on my credit report for 7 years. This is unacceptable. XXXX needs to either verify that this account does indeed belong to me or simply delete the account. That 's what is stated in the FCRA. No where does it state in the FCRA that an account can be suppressed pending credit grantor update after the 30 days has taken place to complete an investigation. Transunion has had more that 30 days to complete my investigation. Please advise them to delete this account from my credit report since XXXX did not verify this account within the 30 day time frame allowed by law.

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 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent attempt to apply for a credit card using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, Transunion, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?

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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TRANSUNION XXXX AND XXXX HAVE LISTED THE FOLLOWING COMPANIES ON MY CREDIT FILE I NEVER FILLED OUT FOR THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROMOTIONAL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX BANK HAS NO ADDRESS LISTED ON CREDIT FILE XXXX XXXX XXXX HAS 4 TIMES ON CREDIT FILE ONLY FILLED OUT ONCE FOR A CARD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX WAS ALLREADY REMOVED TWICE FROM MY REPORTS NOW IT IS BACK ON FROM SOME NEW COMPANY THAT BOUGHT IT FAKE COLLECTIONS MUST OF SOLD IT TO THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO SUE THEM FOR THIS DUE TO ALL THE FALSE REPORTING I CAN NOT APPLY FOR A HOUSE LOAN FOR MY FAMILY JUST HAD A NEW BABY THANK YOU FOR HELPING ME

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.

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 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU

Complaint narrative:
I had lived in California for about three years and had opened a Checking account with XXXX XXXX XXXX. I had NO outstanding balance owed to this credit union and they have unlawfully affected my credit score by claiming that I owe a balance to their banking establishment. I refuse to have this petty claim affect the credit records I have been tracking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with it.

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 2016-12-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.

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