vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 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:
Releated Case XXXXThis is in response to the above referenced case number. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month

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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Trans Union failed to follow Federal Law and remove items identified and possible ID Theft from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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:
XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, XXXX & transunion ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all XXXX credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance

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 2016-07-20 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 explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I entered into a loan rehabilitation program with the Department of XXXX. If I made my XXXX payments on time that XXXX would remove the default status on my loans that were rehabilitated. I was told if I disputed my credit report, by XXXX, that my credit report would update faster. I disputed the XXXX accounts as not being in default/not late. The credit agency contacted XXXX and XXXX stated to remove all accounts instead of taking off the default status, as per our written contract. I would like to have those accounts added back to my credit report and updated with the default status removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I used PayPal Credit to finance the purchase of a IPhone 6 on XXXX. PayPal Credit promises protection when buying online and this encouraged me to use PayPal Credit when purchasing from XXXX. I received the IPhone XXXX and after a short while, XXXX " LOCKED '' the telephone due to some fraudulent activity by the prior owner. I could no longer use the IPhone. I immediately contacted PayPal Credit for assistance in combating the fraud perpetrated upon me. Also I am still paying off the IPhone by using XXXX XXXX 's 18 month payment plan. XXXX XXXX refuses to assist me in getting credit back from the seller because PayPal Credit claims that 14 days had lapsed prior to me contacting them. However, TMobile did not lock out the phone during the first 14 days. I relied on PayPal for this type of fraud protection. 

XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX -negative {$560.00} Payment Paid withPayPal CreditXXXX x {$35.00} Make a PayPal Credit payment Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX your shipment XXXX XXXX, 2016, Sent by XXXX : ShippedTransaction XXXX Seller XXXX Ambulance XXXX XXXX ( XXXX ) Your purchase New Sealed iPhone 6S XXXXGB - Space Gray ( XXXX ) {$560.00} Item # XXXX Shipping {$9.00} Tax {$0.00} Purchase total {$560.00} Fee {$0.00} Total {$560.00} Need help? First contact the seller through eBay to try resolving the problem. If it 's still not resolved, go to the XXXX XXXX XXXX. You may be eligible for purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need 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 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX aka XXXX is innacuratly rsporting to ALL three agencies. I have disputed this through your system and I 'm more than confused as to how this is allowed to continue. On my Trans union, XXXX is rwporting XXXX negative and XXXX positive accounts. They are rwporting that I opened ALL XXXX accounts on the same day month & year totaling over XXXX {$.00} They are also reporting that I only paid XXXX month on all XXXX of the negative accounts yet I continued to pay for XXXX months on the positive ones. I submitted legal court documents stating in XX/XX/2013 XXXX filed a claim against me but dropped it due to settlements on all my accounts. the case againt me was settled and withdrawn and a year later they tried again to no avail and the case was dismissed against them -- yet, according to their reporting, even after the court cases, I continued to pay on only XXXX accounts. This is absurd! Then XXXX is reporting to XXXX as XXXX rents, they are reporting that I only have XXXX negative account and no positive accounts. They claim I opened the account on XX/XX/2013 and the amount was for XXXX for a term of XXXX month. How these agencies can not see the ridiculousness of this is beyond me, and both of these agencies claimed to have " verified '' this information. Well I wish to know HOW information is verified and I wish to have the verification myself. Last, they reported to XXXX XXXX negative accounts and XXXX positive accounts all opened the same day month and year totaling over XXXX {$.00} I have disputed and refuted this over and over. Credit agencies are not to allow innaccuries and its clearly OBVIOUS these reports are Innacurate. These actions by XXXX should investigated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I 've disputed an inaccurate bankruptcy with Transunion for several months now. Transunion consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Transunion has GEORGIA FEDERAL COURT - XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Transunion did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Transunion did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Transunion also did not add a dispute statement to the account within 30 days. Transunion received my previous dispute via USPS Certified Mail on XXXX XXXX, 2016. I pulled my credit report on XXXX XXXX, 2016 and there was no dispute statement listed with this 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 explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion had a computer breach in their system that violated the rights of their consumers under section 611 5 ( b ) of the Fair Credit Reporting Act. I have been gravely affected and my report is suffering as a result. This computer glitch that caused all of the inquiries on my credit report to be deleted, and my credit score increased. The next week, all of the inquiries were reinserted without prior written notification in violation of Sec. 611 5 ( b ) of the FCRA. I have spoken with multiple reps of Transunion, who acknowledged the security breach occurred several times in XX/XX/2016, but refused to fix their errors on my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit report. I demand the following inquiries be removed immediately : XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, and XXXX XX/XX/2016

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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:
Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit 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 explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.

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