vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
They call me 15 to 30 times a day and keep asking for money and they call me and my husband. I pay a payment and they call that afternoon about my next payment. I admit I was 30 to 65 days behind because of medical issues or the fact my husband was out of work. I admit that but I have tried to pay payments when they are due and when I pay two payments they still call when my payment payment is just 2 or 3 days past due. I want them prosecuted for harrassment for XXXX on my life I get so upset cuz they call and just keep wanting a date that I can pay and when it 's gon na get pd and when I give them ideas on how I can pay them they say you ca n't pay it that way u need to do it immediately or we are coming TODAY RIGHT NOW to pick the car up. When in the agreement it states that they only come after the vehicle when it is 90 days past due that is the only time they can threaten this. Please help me I have a lot of stress on me being a one paycheck household and I had to get boarders to live with me just to get my rent pd so it 's not like I am trying not to pay. As of right now I am 14 days past due and this am they added a whole bunch of late fees etc to the payment I need to make after another person took them off when I paid my payments up to help me. It is United Auto Credit and I want to press charges for harrassment and XXXX on me. Thank you. XXXX

Company response to consumer: Closed
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: GA

Complaint narrative:
I had a Home Equity loan serviced by Clear Spring Loan Services. I filed a complaint with the Alabama Dept of Banking because the Loan Servicing company was not accurately applying my payments to the loan nor accurately accounting for my funds. I also filed a complaint with the Consumer Financial Protection Bureau and was assigned case number XXXX in XXXX, 2014. I was advised that the Servicing Company, Clear Spring Loan Services had responded to my complaint ; but I never received the response. 
I have had XXXX several times and was restricted by physicians from pursuing this matter until now due to the health issues that were being caused by XXXX from this matter. 
As a result of my complaints, Clear Spring Loan Services transferred my mortgage to another company without refunding any of my funds that were never applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company can't verify or dispute the facts in the complaint
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: MD

Complaint narrative:
This is XXXX XXXX and i never had an address at this XXXX XXXX XXXX my mother lived there and used my information illegally

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Hi, My name is XXXX. My address is : XXXX, RI XXXX.My date of birth is : XXXX.My social security number is : XXXX 0n XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX '. I told them if their financial institution which is " XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which were not authorized ( TransUnion ) are 1.XXXX - XX/XX/XXXX 2.XXXX -XX/XX/XXXX 3.XXXX -XX/XX/XXXX 4.XXXX -XX/XX/XXXX 5.XXXX -XX/XX/XXXX ) I did not give permission to run my credit from all those instititions and banks except " XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your 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 2015-06-15 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Delbert Services
State: OH

Complaint narrative:
I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have Disputed this balance owed in the amount of {$6000.00} with XXXX XXXX and Trans Union and have not received a successful response from either that this is a valid debt of mine. They are reporting incorrect information on my credit report. I have disputed this dept in XXXX and again in XXXX. All I receive back is information that it is manually processing without any validation of the debt. i would like this information removed from my Credit report because it has not been validated and is false information.

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 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It stated I took out a credit card I did n't and a car loan I do n't have a driving license

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 2016-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. 
My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. 
I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. 
I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. 
I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.

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 monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.

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 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal payment.

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.

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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion Credit Reporting Agency has received from XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX was submitted paid-off XXXX of 2015, my account number for this Vehicle Loan, loan number XXXX .... XXXX XXXX XXXX XXXX has reported this Vehicle loan paid off for several months, but Transunion 's efforts of attempting to compromise and prejudice my CREDIT SCORE as an XXXX XXXX XXXX Consumer, Retiree, Author, Activist, Advocate, XXXX Veteran, " Fighter for Justice for XXXX XXXX ''! As an Federal Agency, would CFPB instruct Transunion in showing my loan number XXXX .... with XXXX XXXX XXXX XXXX as PAID-OFF. Also inform Transunion of my goal of making them pay for continuous Races and Discriminatory Practices against my XXXX credit file in Federal District court in XXXX , GA as soon as the VA release my Retroactive entitlements citing nearly a XXXX dollars. Lastly, Transunion if you want to play, let 's play, but at the end, liabilities will be resolve, {$10000000.00} for XXXX with my Credit Report, DO YOU GET IT! Again the balance of {$26000.00} auto loan with XXXX XXXX XXXX XXXX was PAID-OFF XXXX of XXXX 2015 and reported by XXXX XXXX XXXX XXXX as Transunion is very much aware. I spoke with XXXX, and XXXX with XXXX XXXX XXXX XXXX in their reporting department statement is that they 've reported this vehicle as XXXX being paid off in there XXXX 's transmission to the XXXX bureaus. TRANSUNION I 'M GOING TO SUE YOU XXXX. Stop with the RACISM! Leave my credit file along, I 'll show you folks, ( TRANSUNION ) in Federal court, I see what you XXXX folks are attempting, and notice I said attempting. CFPB, thanks for going after these crooks TRANSUNION. I WILL KEEP FIGHTING FOR JUSTICE FOR XXXX XXXX AS CONSUMERS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 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:
Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, 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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX sent me a letter on XXXX XXXX, XXXX indicating that the XXXX reporting agencies would correct the delinquency errors on credit reports. An automatic stay had been issued on XXXX/XXXX/XXXX and XXXX mistakenly placed a delinquency on my report on XXXX. XXXX and XXXX corrected the error, but Transunion continues to list the loan as an adverse account. I disputed the account and uploaded a copy of XXXX letter ( attached ), Transunion removed the delinquency date of XXXX, updated my report to indicate I disputed the delinquency, listed the loan under adverse accounts, and will not remove the account until XXXX. Transunion has flagrantly ignored the directive from XXXX XXXX for almost 2 years.

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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX, is preventing me from renting, and was dismissed with my bankruptcy.

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