vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please

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 2017-03-09 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: AL

Complaint narrative:
My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.

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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was closed and included in my 2009 bankruptcy. Show a XXXX balance and paid as agreed but still showing open with Transunion. I need this account to be fixed as closed. This is hurting my ratio of expensive with an extra balance who is incorrect.

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 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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 have contacted TransUnion several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.

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 2015-11-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX credit card, a revolving credit line with a 23 year history in good standing with XXXX % credit utilization, was removed by TransUnion XX/XX/XXXX. I have called and repeatedly asked this account be returned to my profile. They refuse. When I ask them to put their refusal, and the grounds for it, in writing and send it to me, they refuse. When I ask to be provided explanation, preferably in writing, why the account has been removed from my credit profile and put, as they describe it, in the " deleted folder '' of my profile ( they can still see it is an active account, along with other details ), they refuse to provide any explanation or substantiation whatsoever. On one occasion, a TransUnion representative explained that TransUnion simply " reports information '' and that I needed to have my financial institution request the account be reported. XXXX has made this request, twice, with no action from TransUnion. Twice, TransUnion said it can not, or will not, return the active account, in good standing, to my credit profile. XXXX continues to electronically report this account 's details and did so on XXXX separate occasions XX/XX/XXXX, first on XX/XX/XXXX at the monthly statement close, and again on XX/XX/XXXX when the balance was most recently paid to a zero balance. These are regular and customary instances in which XXXX would provide account status electronically to the credit reporting agency. 

Not having beneficial credit information on my profile is as damaging as having derogatory information. It is the inverse, and has the same negative effect on my credit score. The XXXX account is a 23 year longstanding, active account in good standing with an impeccable payment history and substantial available, unsused credit - all these aspects would reflect positively on my overall credit profile and increase my credit score. TransUnion is negligent in this regard, and is consciously, and detrimentally, reducing my credit score. 

To further clarify, I do not have any dispute case numbers because TransUnion refuses to take any action whatsoever, as well as refuses to put their reasoning, action or refusal in writing so I have documentation.

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 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Coastline Financial Resources, LLC
State: TN

Complaint narrative:
I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I returned an item I had purchased at XXXX, who issued a refund to my credit card on XXXX XXXX, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, " glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated XXXX XXXX, 2015 stating that the credit was applied to my account on XXXX XXXX, 2015. This simply is not true. I have gotten nowhere with their customer " service ''. This past Monday, XXXX XXXX, I was assured by someone named " XXXX '' in the disputes dept that the credit would be posted to my account " within the next 24-48 hours ''. He gave me what he said was a direct line to him and a call-back number. I called that number today and it " is not a working number, or has been disconnected ''. I could write you a book on all the reps I 've spoken to and the shameful runaround I 've been given, but suffice it to say that they have had possession of {$960.00} of my money since XXXX XXXX and I see little hope of getting it back in dealing with them directly. This is the worst customer " service '' experience I 've ever had. I 'm XXXX years old, and certainly I 've had many of these occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have normal credit reports at XXXX and XXXX but NO credit information at Transunion. I have been denied credit several times when a company checks my credit with Transunion and apparently I have no credit. I have filed a complaint on-line and they sent me a form to be filled out and requested a copy of my social security card and driver 's license. I sent all that to them and they still could not provide a credit report to me ( so ... no resolution or information on why they have no information ). I am a joint holder on numerous credit accounts ( mortgages, etc. ) with my husband, so they must have something on file.

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 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Public Record that reflects on my credit history has been resolved with the XXXX.But It still shows me having a tax lien.I Had a payment Plan Set Up with The XXXX and Im just about nearing the payoff date.I do have records of these payments made and the current balance.

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

Complaint narrative:
I have inquiries that were previously deleted that have now showed back up on my credit report for the following companies due to an error. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX jeep XXXX/XXXX/XXXX. These showed back up on my credit report with no prior notice as required according to FCRA. Please have these removed from my credit report as they were previously. 

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 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been disputed this account over and over, and I got not answer, XXXX # XXXX This account was included in the bankruptcy case and have been discharged through the court

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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and 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 2017-01-11 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:
Per my last dispute TransUnion stated that they would remove the inquiries that were pulled without my knowledge, however when I checked my credit report they 're still XXXX inquiries that were supposed to be removed that was n't. Please look at the company 's response for this complaint # XXXX. 

1. XXXX-XX/XX/XXXX XXXX AUTO- 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 non-monetary relief
Consumer complaint received 2016-04-06 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:
Someone who I do n't know is on my credit report on XXXX with me. He has the same last name and similar address. I just moved in the US three months ago from XXXX. and I have only XXXX credit card. but he has XXXX credit cards that were opened in 2007. so there are XXXX credit cards on credit report. 
I think something wrong with my credit report. 
Please let me know what to do.

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 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires 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 explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: MN

Complaint narrative:
My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate

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 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Lender failed to eliminate PMI after mortgage LTV fell below 80 % XX/XX/XXXX. I spoke with lender on XX/XX/XXXX and they indicated the PMI will be removed going forward. I was provided the reference number XXXX at that time. I was continued to be charged PMI until the loan was paid off on XX/XX/XXXX. Attached is the value page of the appraisal this lender performed and the statement for the month which LTV fell below 20 %, using the lender 's own appraisal amount.

Company response to consumer: Closed with explanation