vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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:
Account was opened by person whom did not have permission to use SSN to open the XXXX account. I did not know that the account was opened in my name using my personal information and SSN. This is identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have the name XXXX XXXX on my report. I do n't know her.

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 2015-08-10 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 sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR XXXX YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I tried to open a online savings bank account with Ally Bank with my Individual Taxpayer identification Number and after a phone call follow up i was asked for a image of my social security card. I informed the customer representative that I did not have a social security card, that all i had was my Individual Taxpayer Identification number and she proceeded to inform me that it was not possible to to open my savings bank account with only my Individual Taxpayer Identification number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In 2009 I had an IRS tax lien. Tax lien now paid in full.

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 2016-05-23 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:
I recently removed a name, addresses, phone numbers, an account, and a hard inquiry from my account that belonged to someone else with the same first name and a similar SSN. There are XXXX more hard inquiries from XXXX XXXX ( XXXX XXXX 2015 and XXXX XXXX 2015 ) that do not belong to me. These are the last XXXX hard inquiries that need to be removed from my Transunion report that do not belong to me. Just like the first time, Transunion claims they can not remove them without letters from the creditor, while the creditor says they can not send me any letters since I am not a customer of theirs ( which is true- since I do not have an account with them ).

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Premier Portfolio Group
State: WA

Complaint narrative:
I continue to get a phone call from an agency claiming to be Premier Portfolio. They call my cell phone from numbers all over the united states, so I have not been able to successfully block them. I do not know this company, and do not have any outstanding debts in collections. They claim that it is for a check cashed in my name with my ssn and routing number, which does n't make any sense why they would have my SSN. I 've looked it up, and they are apparently scamming other individuals as well. I want to report them as well as get them to stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2016 I checked my XXXX report and noticed previously deleted inquires were reinserted back on my credit report and i was not notified that they were being reinserted

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a complaint with Trans Union XXXXIt is for XXXX Account # XXXX. I received a letter stating if payed by a certain date XXXX/XXXX/15 the settlement amount it would be cleared. The amount to settle account was {$120.00}. It was payed directly to them by phone and taken from our account XXXX/XXXX/15. It was then put on to my Credit account with Trans Union then after being payed, that saying I owed {$420.00}. This severely lowered my credit score. It was n't even on there before. I have a copy of letter sent by company to me and proof it was payed. I have never heard back from Trans Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XXXX XXXX, 2015, I informed Ally Bank of XXXX transactions that I did not authorize nor did I engage in. The bank sent me a letter dated, XXXX XXXX, 2015 acknowledging the disputed transactions totaling {$2800.00}. As of XXXX XXXX, 2015, provisional credit for the XXXX transactions ( totaling {$2800.00} ) have not been posted to my account. ( Documentation is attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit 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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Someone else name and credit is showing up on my credit. My name is XXXX The other party name XXXX. There is an account XXXX showing up that is not mine.

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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Inquires were removed off of my Credit report and then reinserted without notice or reasoning which is against FRCA 611 Listing all inquiry name and dates 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 explanation
Consumer complaint received 2016-07-26 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: OH

Complaint narrative:
I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. 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 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. 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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A student loan from the Department of Education app [ ears on my Transunion credot report for {$33000.00} ... ... ..It reports this as a still open account with a balance. This account and loan has been paid off and there is a zero ( XXXX ) balance. It reports correctly on XXXX. this needs to be updated and corrected, and removed from the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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:
There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been having an ongoing issue for the past several months with transunion deleting my inquiries, then re-inserting them. I just called their customer service number at XXXX and their customer service would not help and take care of the negative inquiries reporting to my credit report. So I am asking for the help of the CFPB and would really appreciate your help. 

This is the list of inquiries I would like deleted XXXX XXXX XXXX XXXX/XXXX/16 and XX/XX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 and XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Thank you

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 2015-04-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation