vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled up my TransUnion credit report, and found some false information regarding a previous vehicle I had. I purchased a vehicle from XXXX at XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX, that I was still paying for when I had got into an accident. My insurance company at the time was XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX had XXXX of their insurance reps and body shops, XXXX XXXX XXXX in XXXX, Ohio look at the vehicle. It was later determined that they where going to totally the vehicle. I informed XXXX that I was still paying on the vehicle, and so XXXX contacted XXXX XXXX himself and cut him a check for the remaining balance. XXXX XXXX XXXX has the check numbers, when it was issued, and cashed!!!! to XXXX XXXX. But XXXX XXXX falsely reported to the credit companies that the car was a repossession, which it was not!!! This false reporting needs to be removed from my TransUnion credit report. This issue does n't show on my other credit reports and is even more reason why this needs to be removed asap!!!

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 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRSTBANK
State: AZ

Complaint narrative:
This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a long time wells fargo customer. I use XXXX to download transactions from the bank via their free service for several years. Recently I discovered that they began charging me monthly fees for XXXX banking. The person I spoke to told me that they have waived the charges and credited monthly charges. Additionally, I was advised that I will not longer incur any charges. This conversation with the bank occurred in XX/XX/2016. ON XX/XX/XXXX I started getting charged for XXXX. When I called wells fargo, I was told that they are promoting their competing paid service and I had to pay for XXXX to download transactions. Further they mentioned that the free XXXX issues had to be resolved by XXXX and had nothing to do with wells fargo. 

I spent about four hours with XXXX on two different occasions and could not get the free service to work. The interface to the free service seems that have been discontinued by wells fargo since they moved to a different website in XXXX. It appears that they have sabotaged their free service to start collecting fees from XXXX users. As a matter of principle, this is another example of wells fargo charging their customers by blocking their free service without any notice or updates. 

As a resolution they need to keep the free service up and running or not charge {$15.00} per month for the new service that they have setup. I can provide more details as needed to resolve this with Wells. I have spent several hours in numerous phone calls. They have used their usual tactic to shuttle me around and drop calls. In the end I did manage to speak to the right department and their only suggestion is to talk to XXXX or pay for the service. 

Hope someone from CFPB can help me resolve this with Wells. Barring which I may decide to move my business to a more consumer friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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:
I found that my information was combined with another person 's on my transunion credit report, so I contacted transunion and filed a dispute about the incorrect information. However, transunion refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted transunion three times and wasted a lot of time because of this nonsense.

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 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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:
I am filing this complaint because XXXX has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. 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 2015-06-17 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:
Trans union has got somebody with the same name as mine that lives in the same town that I live in credit good and bad mostly bad listed on my credit report. This has brought my credit number down terrible low. How were they able to do this without my social security number? There are even XXXX civil judgements against me. I had good credit how can this happen. I checked with the other XXXX reporting credit agencies and Transunion the only one that has the wrong information listed against me. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NCP Finance
State: OH

Complaint narrative:
I received XXXX loans from various payday loan Agencies, all in which were financed by the same Finance Company. I needed the loans to pay medical bills, and well needed car repairs, I was not aware that their was XXXX Finance Company for all XXXX loans. When I went back to payoff XXXX my loans and re-loan, I was told that I could not re-loan due to my reaching my cap with the Finance Company. This caused a great financial crisis for me, because I had given them over {$700.00} contingent upon them giving a portion of it back so I could fulfill my other obligations. I contacted the Finance Agency, whom had XXXX my loans listed under a different ss # and another not listed at all, but yet I was declined receiving another loan " due to reaching my cap '' I had also paid off another loan to get a higher amount the lower amount was {$1100.00} APR of 286.27 % total payments of {$3100.00}. I had paid {$2400.00} at {$280.00} monthly for six months. I was told I had to payoff the loan first before increasing the amount, so the Lender said I still owed {$810.00} plus pay a additional fee of {$55.00}, so the interest that was deducted for paying off the loan early was only {$560.00} ( which was unfair amount ) so now the new financed amount was {$4100.00}, I received {$3300.00} after they deducted fees at a 221.13 % APR with monthly payments of {$760.00}, so the total amount owed to this same Finance Company would be {$13000.00} over a period of 17 months for a loan less then {$3000.00}. I 'm certain that the Loan Agencies are not allowed to charge this much for small loans, and if they are someone need to do something about it. If they are licensed under the Mortgage Lending Act then they should be giving Mortgage Loans not payday loans. Payloans from XXXX, XXXX XXXX XXXX, XXXX and installment loan from XXXX all financed by NCP Finance ( Lender ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I utilize XXXX XXXX for monitoring of my credit information. On or around the XXXX of XXXX this year, I checked my report and their were XXXX hard inquires removed from my report. Needless to say when I checked my account again on the XXXX XXXX, 2016 the inquires were placed back onto my account without notifying me by mail or email. After multiple failed attempts to get this matter resolved by Transunion I feel compelled to take this matter a step further. I have been placed on hold for long durations of time only to have the phone hang up. There was also an incident where the representative stated she do n't see where anything was removed and I told her that it was and around the date that it was and she stated well I do n't see it. When asked to speak to a supervisor I was placed on hold for a short duration and then the phone subsequently hung up. Although I know that representatives may have to deal with multiple personalities on a day to day basis, I do not feel they should treat people in this matter.

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 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern, thank you for taking the time looking at my case. this fraudulent information that was reported to all credit services really cripple me as a consumer and my credit score I never was late with payment to XXXX this account was paid in full and all equipment was returned on time to them by ups in the mean time the way they place their XXXX on my roof they made halls and damage to my wall every month that I was getting a bill it was different we me and my wife had to be on the phone talking to XXXX for hours the inconvenience the damage to my credit report I will sue for damages and they had the right to get their atty with XXXX to put me in collection of course also they were removed conveniently from all credit bureaus because there was perfect record they should be ashamed what cable and phone companies do to consumers I like to see results like removing this XXXX from my credit report and something should be done about co. like this. and I have filled a report with all credit bureaus but nothing was done Thank you for your time and help in resolving this matter XXXX XXXX

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.

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 2017-02-24 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
Purchased a vehicle from XXXX XX/XX/XXXX, XXXX. 
XX/XX/XXXX replaced transmission, I was advised by the service person they had left the old wave plate on and attached the new transmission. XX/XX/XXXX my check engine light came on by XX/XX/XXXX failed my emission test due to the check engine light ; carried papers from emission for the service to sign for the light to be overridden which lasted long enough for me to pass emission. Light came back on no sooner than I parked in my drive way. From this point with no assistance from XXXX service department was OFFERED to get the car diagnosed. For the recommended tire/battery/steering rack/coolant yes they were all denied. MY ISSUE WAS THE CHECK ENGING LIGHT PERIOD. I was told to record or video if the car starts to do anything. Finally was able to do this when I let the service guys there see this clip I was told all I needed was a battery. Shortly after I found a hole in the manifold intake value which was suppose to have been fixed.To this date service guys has lied about the many times I came to get something done about the issue ; gave date of when they say the car was diagnosed at XXXX, which is records of one time the car was there after transmission replacement. Yes they are to this point call me a liar because I declined a battery and tires etc. On XX/XX/XXXX the heater hose failed due to the check engine light was already on I had no warning. Car towed to garage, now they are saying short block part of the engine failure to a bad to worst situation now service denied warranty. The car sat unrepaired for 60 days, XX/XX/XXXX I removed my personal belongs and found a open container of antifreeze, OK on the floor of the car where my grandchildren would be sitting, " yes the service department put that there ''. I wish it could have been dusted for fingerprints ; my prints would not be on the container. The dealership wanted me to pay {$3500.00} to fix the car. NO WAY. I made a decision to surrender the car back I guess the only satisfaction I will get from this the car was in my BKO do n't owe a dime! I am still thinking on this issue because there was no REASON FOR SERVICE TO BE DENIED..MANUAL SAYS CHECK ENGINE LIGHT GET TO YOUR NEAREST SERVICE DEPARTMEMT. I did all I was suppose to do I tried honestly to get service. Who knows customer does not have to lie about a broken car, just can not drive it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 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: TX

Complaint narrative:
Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX

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: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every 4 months like I had in the past. I went through bankruptcy in 2011 and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I initially disputed an account, which came back as verified. I believe that the investigation is questionable.

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 2017-01-16 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:
I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/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 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe that I was a victim of the " inquiry issue ''. When I called in the gentleman in customer service was very rude. I asked to be transferred to a XXXX rep and he refused. I received no help from the rep to resolve my issue. I just want these inquires removed from my report ASAP! 

Ally Financial ( XXXX inquires XXXX American XXXX XXXX XXXX ( XXXX inquires ) suntrust Cci/ppc XXXX bank ( XXXX inquires ) Citizens XXXX auto Consumer Portolio Credo First investors XXXX XXXX XXXX cars

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