vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.

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 2016-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.

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 2016-10-14 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:
I checked my credit report and all of my inquiries were deleted. I login today and now they are back which are affecting my credit score.

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 2015-06-19 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:
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not 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 2015-07-11 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:
Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX of the names listed on my account is spelt incorrectly

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why TransUnion continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source XXXX creditor/s XXXX and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.

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 2016-04-03 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:
TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX address ex wife XXXX ex wife name the only information related to me is XXXX Mi XXXX all other are not mine and should be removed they are related to an ex wife

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Medical collections that was removed by company has been re-inserted as a collection on 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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid XXXX XXXX ( XXXX XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number 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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am trying to put a freeze on my credit. I accessed the respective links from this site : XXXX since the fees are state dependent. There was no issue with XXXX and XXXX. I was able to complete and freeze the account online. With TransUnion, it first asked me to create an account. Then upon entering all details it said could not complete it online and asked to call a number. It was obvious it was an outsourced call, and the first thing I have to provide is my SSN. Seriously? I am trying to put a credit freeze due to a hacking of my personal information, and now I have to give my SSN to someone on the phone? 
This is the message I am given : What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : Please contact us at ( XXXX ) XXXX to initiate your security freeze transaction by phone. 

TransUnion needs to have a better way for Individuals to freeze their credit online. I am unclear on what data is incorrect, as it is not identified. If the other XXXX agencies could transact and freeze my credit why does TransUnion have an issue with the data? Perhaps they want to tie me in to a subscription?????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: MI

Complaint narrative:
INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX. 

Our unit was put up as collateral in file XXXX book XXXX page XXXX. 
It was cited as having a mortgage on it, which according to their records was paid in full. 

XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX. 

I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it. 

Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them. 

The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well. 
They did not use his legal name as mortgagor, it just said XXXX XXXX. 

They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit. 
I would like to know if this is enough to make a case against 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 explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I made an overpayment on my student loan nearly a year ago. At that time, the customer service representative indicated that it would reconcile at some point ( there was no clarity as to when this would be ). Nearly a year later, I am still stuck in the paid ahead status and the {$400.00} continues to revolve through each billing cycle. When I asked the customer service representative which federal agency I could file a complaint with about the loan servicing company, I was told, " I do n't know. '' When I asked to speak with the customer service representative 's supervisor, I was put on an extended hold. During that time, I searched on XXXX and found the CFPB 's website/complaint form. Student loan recipients should not have to argue with a servicing company to figure out how they can properly file a complaint with the federal government. 

Lastly, I have emailed XXXX numerous times through their online email application on the lending portal ( while logged into my account ). I have NEVER received a response to ANY of my emailed complaints or requests to XXXX. That 's beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: TX

Complaint narrative:
There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I lost my social security card and now i am unable to open a bank acct in my name. I attempted to sign up for credit karma, and it 's stating that info does n't match.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: MO

Complaint narrative:
my wife and I have been trying to get Fedloan Servicing to properly calculate out student loan payment. It is extremely difficult to work with them. Long waits on the phone, they are only open on weekdays, their website logs you out extremely fast once you login and you lose your place and/or have to navigate through their entire site again just to be logged out again. I feel like they make it extremely difficult for the consumer to get Fedloan to do their job correctly. Fedloan has always miscalculated our payments and we have to spend numerous hours trying to resolve this. We are bright, patient people but this process is confusing, slow and at times, unresponsive.

Company response to consumer: Closed with explanation