vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 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:
Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc
State: NC

Complaint narrative:
I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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:
I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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:
I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I returned a lease car to Ally Financial / XXXX dealer on time after 3 years in excellent condition and low mileage. Always on time with payments. I received {$1300.00} bill for excess wear which are completely unfounded and fabricated. They did not give me a chance to fix what-ever they claim and did not inspect the car while we were present. They do not respond to my letter disputing the charges and say " either you pay or else ''. This practice is absolutely unethical and as far as I am concerned a consumer fraud. I also plan to file a claim with the Attorney General Office as well as filing a complaint with the Small Claims court. I would really appreciate it very much for any help or advise in this matter. 
Best Regards, XXXX 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 monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX 2016 all of my inquiries were removed from my credit report. Logged back in today all inquiries are now back on the report and my score went down.

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 2015-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received a loan for my vehicle and I was never issued mail or a call saying my mail was sent back to the finical company and my first bill was due on XX/XX/XXXX which I made the payment on time but they still said I was overdue and that overdue payment dropped my score tremendously. The other complaint is my credit card company said they were going to stop the payments to my card that I have n't used and paid off about 3 months ago but still have to make payments every month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

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 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My information was stolen in the certegy incident. There 's also items which keep getting reinserted to my credit report whenever a new debt collector buys the out of STAT debt. No investigation was even undertaken because the credit reporting agency is also doing debt collection, which would seem to be illegal and a conflict of interest ... I was never given any lines of credit since age XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My auto loan is with Ally. I made a personal loan to pay them XXXX and not have to pay my car again till XX/XX/2017.i called and asked if I could do this. To the payments not the principal, they said yes. I tolded them not to any late fee or any other fee. Since then I have talked to XXXX people, because they say my next payment is due on XXXX 2017. Not XXXX. 2017. ..because they took out the late fees, plus some money from when my car had been repossessed, some while back. But that 's not what i asked for, or authorize. If not, i would have just made the payments month by month. Now after I 've been calling for 2months and spoken to XXXX people about this issue, they tell me the money they took can not be reversed. To put on my payments. No one wanted to be responsible for it. Try speaking to a manager during these 2months, they always answer me, that there is no manager at the moment. Iam so upset, because if I did this personal loan, to pay my car. ( Advanced ) is because I ca n't pay till XX/XX/2017.They lie to me, and just did what they felted like doing with my money. This has affected me so much. Ca n't sleep. Iam so sad, XXXX and very disappointed. Mad. Please let me know if you can help me. Thank you and God Bless

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: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX account XXXX that was late 3 times in XXXX XXXX XXXX XXXX and XXXX XXXX. This account should be deleted but Trans Union has informed me that it will not be deleted until XXXX XXXX XXXX XXXX would have been 7 years and first delequeincy

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

Complaint narrative:
I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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:
first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. Also attempted to contact XXXX, XXXX etc. per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.

Company public response: Company 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 — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
While monitoring my account of XXXX XXXX, I witnessed TransUnion Reinserted previously deleted information to my TransUnion report less that two weeks after receiving it. TransUnion deleted Hard Credit Inquiries on XXXX XXXX from my Credit, then for no apparant reason added them back to my credit report two weeks later. My husband had the same problem happen to him. This has caused a serious amount of stress to my husband and I who have been desperately trying to buy a house for the past 6 months. If it is true that the Credit Reporting agencies can not remove Credit Inquiries from your Credit Report within recieving notification from a creditor, I would like to know understand the likelihood of all XXXX creditors deleted the inquiries on the same day, then all XXXX creditors re-added the inquiry on the same day. My husband works in XXXX. We have the screenshots to prove it, the proof is also on our credit reports. This is not fair. They are messing with peoples lives because most people are not as observant. If it was n't bad enough that we had to fix a combined XXXX errors on our credit reports, this setback is heartbreaking.

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 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation