vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.

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 2015-09-01 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:
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have paid off both XXXX XXXX accounts on XXXX/XXXX/16 and XXXX XXXX in XXXX also. XXXX of the XXXX XXXX shows being paid but not the other and they were both done and cleared my bank on the same day.

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. The tradeline listing is for XXXX XXXX and it shows " 120 days late '' as of XX/XX/XXXX. I have proof that this account is not late since it has been been through rehab for XX/XX/XXXX. Also, I can show that this account has been " manipulated '' by deleting all " ok '' after the rehab of the loan. By deleting all " ok '' from the account after XX/XX/XXXX, this shows that the account is still late and in default. Currently, the account is managed by 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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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 stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of 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 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite several letters to Transunion regarding the following issue, they have failed to respond specifically to my complaint. 
They list an account, XXXX XXXX XXXX XXXX, with an " open-collection/charge-off '' status and show that the amount owed is XXXX % of credit utilized. This obviously and significantly impacts my credit rating. 
The problem is simple : if this account is in " collection and has been charged off '', there is NO AVAILABLE CREDIT and therefore a percentage of credit utilization is both misleading and inappropriate. I have addressed this to TransUnion several times with no success. XXXX, on the other hand, immediately corrected the problem. 

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 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.

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 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved 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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I noticed on my credit report that the bureaus transunion and XXXX are reporting that Ive been late towards my XXXX credit card numerous times. Today XX/XX/XXXX, I spoke to a representative in the XXXX credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided

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

Complaint narrative:
Transunion is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XX/XX/2012-XX/XX/2012 which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Transunion has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Transunion continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Transunion continues to disregard my dispute and going past allotted time to investigate and properly verify per FCRA laws I will be forced to file suit in small claims court for damages caused by the inaccuracies to 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 non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the 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 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
As of XXXX XXXX, I became aware that I am a victim of identity theft. I have since filed multiple claims against Transunion, one of which was my disputing a large number of items on my credit report. I have spoken to a XXXX XXXX on now two occasions within the past week. First off, it is almost impossible to even get through to the department that handles my file. What this means is that I always have to go through at least XXXX departments each time, get hung up on or disconnected 3 times and then every so often find my way back to the " Complaint Management '' department FKA " Priority '' department. At this juncture, you leave a voicemail ( assuming it 's not full ) as of about an hour ago. The times I have spoken with XXXX XXXX she has conveyed to me that she unable to give me any updates as to the status of my disputes. However, what she has stated is that she can speak with me over the phone concerning my " contact '' information, hence why I am sending this claim today. In my initial CFPB claim ( XXXX ), I thought I was perfectly clear in how my name, address ( s ), phone number should appear on my credit file. As of this morning, this has yet to be done accurately. I have also supported the necessary documentation to validate such " accurate '' information. Also, I currently have an extended fraud alert with a consumer statement that clearly still shows an inaccurate phone number to which I have never had. I need the following to be updated " accurately '' and " immediately '', Please : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone Number : ( XXXX ) XXXX XXXX ) Extended fraud alert either removed entirely or to include the " accurate '' phone number listed above, ( XXXX ) XXXX. 
3 ) Credit Freeze removed I would also like to request that the results be emailed to me versus taking an additional 7-10 days for a hard copy. If that is possible, my email address is XXXXXXXXXXXX. 

This has been an arduous process to say the least. I would greatly appreciate help concerning these " issues ''. 

Thanks, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with Transunion on XXXX and uploaded documentation -- including a letter from the IRS showing that a {$3600.00} lien was WITHDRAWN and should be REMOVED from my report altogether. On XXXX I received the results of their supposed investigation and discovered that TransUnion had failed to remove the lien and other negative items that I disputed. I 'm trying to buy a house and Transunion 's failure to investigate is causing me financial harm and distress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off

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