vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, I opened a complaint regarding inaccurate information on my TransUnion Credit report. The case number is XXXX. Following this complaint, TransUnion removed these erroneous inquiries. However, on XXXX/XXXX/XXXX, they added a new, identical inquiry to my credit report. I submitted another complaint ( case # XXXX XXXX, and the incorrect information was again removed. 

On XXXX/XXXX/XXXX, TransUnion added yet another, identical hard inquiry to my credit report. This clearly indicates that they have not remedied their error, and are in willful noncompliance with FCRA. 

The original complaint related to XXXX hard inquiries into my credit report by XXXX Bank XXXX XXXX Florida between XXXX of XXXX and XXXX of XXXX. They are reported as applications for a XXXX XXXX XXXX. 
I must stress that I have never applied for any credit card through XXXX Bank, or any XXXX credit of any form. Further, the address and identifying information they provided to Transunion is for another person ( i.e., not me ). The information they provided is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX ( XXXX ) XXXX I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never resided in the state XXXX. 

I have submitted numerous written complaints to both XXXX Bank and TransUnion. Both of them have responded in a dismissive manner, claiming that I did apply repeatedly for this credit card, and that the inquiries will therefore remain on my credit report. If TransUnion were to check their own data, they 'd immediately see that I do not possess the credit score and history of a person who 'd be repeatedly denied for a low-limit retail credit card. 

Here is the information provided for the financial institution on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would sincerely appreciate your assistance with this matter. I feel that their behavior constitutes flagrant and willful noncompliance with FCRA.

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 2015-07-13 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:
I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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: NV

Complaint narrative:
TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 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: KS

Complaint narrative:
TransUnion 's website deceptively offers consumers a report, presumed to be free, without clearly indicating that they are charging fees and signing the consumer up for a subscription service. The service is charged without asking the user for confirmation. The website intentionally obscures the pages that allow the user to cancel their account. Support staff is only available via an XXXX during certain hours, making it exceedingly difficult for overseas Americans to communicate with the company and cancel their accounts and charges. No email or chat support is provided. 

I am currently seeking confirmation of cancellation, after numerous reports from other consumers have established a pattern of intentional failure to cancel on TU 's part, combined with an intentionally obstinate call center, designed to make it difficult to leave the subscription program. I am also seeking to have my credit union block any charges if TU refuses. If TU fails to completely cancel my account and reverse any charges, I intend to contact the Attorney General to seek action against these deceptive trade practices, and may additionally file for recovery in small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to correct my credit report since XXXX XXXX, XXXX. Equifax and Experian have corrected the information. Transunion has not. I have contacted them by phone more than five times. I have also filed more than five disputes. I sent a written dispute at the end of XXXX XXXX with a copy of my mortgage bill for XXXX XXXX. I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged on XXXX XXXX, XXXX. I was and still am in the home. I am paying the mortgage on time. A manager and I contacted Transunion. The representative was told that my information was being sent to them by the manager. The representative told us that he could not continue the three-way call. The letter that was sent was XX/XX/XXXX, with a copy of the bill. By XXXX XXXX, which had not been 30 days, I received a reply that SNC had not responded to Transunion. Transunion removed XXXX from my credit file. The XXXX manager and I made the call, after I received the letter. My auto insurance is due to be renewed. They will raise my rates, because of my credit report. Can you help me with this? This is unacceptable. The credit bureaus should have to refund the money that they receive from the companies that pay for reporting. The money should be put in a fund for consumers to use, or refunded to the consumer whose credit is affected. I would like my Transunion credit report corrected to show that I am paying SNC Servicing, my mortgage company, on time, since the beginning of the mortgage. I would like a letter of apology. 

Thank you, 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 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming

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 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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:
Items are on my Credit Report that do not belong to me ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion credit bureau has me at a very low score on my credit report ... .i want to know why

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up.

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 2016-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I voluntarily returned a XXXX Nissan Sentra to XXXX. After the car was returned and labeled as a voluntary repossession the car was then sold at auction and collection for the remaining balance was sent to me for payment. 
Some time passed and no payments were made toward the collection and the balance was sold to Investment Retrievers. Investment Retrievers attempted contact with me regarding payment on the debt. I did advise at the time I have been unemployed was unemployed and had no additional funds and was looking to file for bankruptcy. 
Additional time passed and I was served with a document and it was a notification that I was being sued by Investment Retrievers. I later received a notification of a judgement filed. 
Still not in contact with Investment Retrievers I later discovered that on XXXX XXXX, XXXX there was an attempt to withdraw {$11000.00} out of all my bank accounts with XXXX XXXX XXXX XXXX. This attempt was made on all three of my accounts for the same amounts and all are on hold leaving me no access to any funds to live. The only notification that I received was on Friday XXXX XXXX, XXXX that was a letter for a XXXX XXXX notice of garnishment. That is a violation of his privacy to have his private information and data be sent to me in error, I suppose. 
I believe that they have no right to garnish my assets and all holds should be removed. Nearly all debts I have are outstanding due to my financial situation so it was not intentional to not make a payment when able. The opportunity never arose to where I was in a position to do so. Also, had I been able to maintain the payments on the vehicle, I would have kept it, so there is surely no way I 'd be able to pay the total amount owed on the vehicle. The debt collection process was far too aggressive to even go as far as trying to retrieve funds out any bank account of mine. I did n't keep the property of XXXX, I volunteered it because I could not afford to pay any longer. 
Please see the attached documents of what I received from them regarding this garnishment that 's not applicable to the open case I have with Investment Retrievers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America
State: TX

Complaint narrative:
Per the attached letters dated XXXX XXXX, 2015, I had previously contacted XXXX of Texas questioning charges. I received a letter XXXX attached ) in return dated XXXX XXXX, 2015 stating that they would review my concerns and that they would respond within XXXX business days. I did not receive a response from them. Today I received a letter dated XXXX XXXX, 2015 from Financial Corporation of America, the collections division of XXXX Texas, again demanding payment, without any of my concerns being addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.

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 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I have no idea where this debt came from. The collection agency has not mailed me enough information to verify that the debt belongs to me even though I mailed them a certified request. They only mailed me a letter giving me the name of the hospital and amount. They refuse to provide me legitimate proof that this is my bill such as the services provided, the date of service or my signature. I also never given a chance to dispute the debt. I never received letter or phone calls in reference to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am a victim of ID Theft. I have dealt with the company in the past. I had checked my credit report and notice I had a debt in the amount of {$6000.00}. I contacted the company immediately by calling and also writing a letter asking them to validate the debt. They have failed to comply with FDCP and I want this remove from all XXXX of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I have been getting continued mobile phone contact with XXXX collection companies, XXXX XXXX XXXX and Penn Credit Corporation on a number that is listed in the Do Not Call registry. These are unsolicited calls using a number I do not use for credit applications. They are both intrusive and waste my minutes on a phone I use for work purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
The manager calls repeatedly 4-5 times a day, from different phone numbers and calls my job as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation