vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened XX/XX/XXXX paid in full XX/XX/XXXX. its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain financing for a car recently and was denied to this old debt being reported. this is affecting me tremendously

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My student loans have been discharged by the Dept of Education XXXX. My credit reports are not reflecting even after being disputed. I have also been a victim of unfair medicare billing and no matter how much I dispute it the credit reporting agencies and not listening or investigating. I am asking for all student loans to be deleted and my credit score to be restored after the corrections made.

Company public response: Company 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 — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

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

Complaint narrative:
TransUnion claims there is an accurate public record being reported on my credit report. I 've asked them to verify it with the company reporting. I 've asked them for proper proof of verification & they requested I contact the data furnisher. When I contacted the data furnisher they claim they do not report to the credit reporting agencies & no one has contacted them directly to verify the information. I would like the public record removed from my credit report immediately!!!

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has XXXX credit inquiries on my acct. Most were related to when I purchased a car last yr and should be treated as XXXX inquiry.

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 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA Section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.

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 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
A few years back I discovered a tax lien being reported on my credit reports from the XXXX ( XXXX ) resulting from an Employment Insurance charge for {$27.00}, unpaid, for mu business. They also added a {$100.00} penalty for passing the payment deadline totaling {$120.00}. I turned this over to my accounting firm and they contacted the XXXX and found that the error was on their part for entering data into their database incorrectly. I received a confirmation letter of all of this from the XXXX and forwarded the documentation to all ( XXXX ) credit agencies. Immediately, XXXX and XXXX removed the item entirely from my credit report and there is no reference of it at all. TranUnion has been unwilling to do so. They continue to show the lien as " paid '' and will not remove it from my credit report even though there has been several attempts to persuade them to do so. The lien was never paid and no money changed hands due to the error on the XXXX 's behalf. 
The reason I keep pushing this issue is all of my XXXX credits report show not a single blemish. But, since TranUnion continues to reference this tax lien my FICO score with them is always far lower than XXXX and XXXX. I would like your assistance to insist that the lien be removed entirely from my report. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a collection item on my credit report that is not mine. I have disputed this item several times with the collection agency as well as with Trans union but this issue does not seem to be getting resolved., which has been impacting my credit report significantly. The company XXXX XXXX XXXX has put this mark on my report but the item wasnt validated. I have contacted them via phone, email and letters and they will still not remove this from my 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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have written to XXXX XXXX on several occasions asking them to confirm the validity of this debt, but they have provided no information for me. I do n't know where the debt originated, or if they should even be pursuing me to collect it, as they 've never given me any details. I would at least like it to be removed from my credit report in the meantime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a credit application in the mail and i know it was n't myself that applied for said credit, so i tried to obtain my credit report and it stated that my address is incorrect and i have lived at said address for 8 years. .. Please I was already a victim of identity thieft in XX/XX/XXXX my tax preparer stolen my info as well as my children and spouse due to this he was able to file my tax returns but the irs worked with myself very closely and corrected my return and i received it in XX/XX/XXXX.. Please something is n't right

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 2015-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: MD

Complaint narrative:
i have a mortgage loan through Pacific Union Financial. 
I have had the mortgage payment on automatic since XXXX 2014. 
My payment always get to Pacific Union 2 week before the XXXX of the month. 
The has been NO interruption. 
There are months on their record where my payment was either applied to the wrong account, not applied at all, or never received. 
As a result of their accounting, Pacific Union is asking me for new inflated monthly mortgage payment. 
Their accounting has caused my account to have an escrow shortage that they want me to pay. They either have very bad accounting, they are hoping I do n't challenge them or there is a thief in their organization somewhere. 
Either way they have my account in disarray. 
For the record, I am not against suing them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: NH

Complaint narrative:
I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.

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 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and false information. 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 non-monetary relief
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.

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 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I leased a car from ALLY Bank and was charged a Sales/Use tax of {$28.00} per month for 39 months. My husband leased an auto from XXXX XXXX XXXX for the same period and he is not charged a sales tax. We XXXX live in the same residence in XXXX, Pennsylvania. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANS UNION is reporting a fraudulent tax lien on my credit. Even though they have removed the other fraudulent tax liens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is done.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.

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