vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a direct dispute with Transunion. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XXXX XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XXXX XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on the XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Transunion has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XXXX XXXX. I 'm not going to keep going back and forth with Transunion, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have spoke with someone several times regarding hard inquiries that do not belong to me I recently sent them a letter regarding these inquiries along with proof of my driver 's license they are being very uncooperative about the situation I am Desperately Seeking help with this

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Collection agency by the name of XXXX are reporting negative info on my credit report that need to stop. It 's inaccurate. Dates are wrong. Dates are wrong. Open date is NOT ACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 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:
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Following are the relevant facts : 1. I am a member of Trans Union credit bureau, on a monthly fee basis, so that I can check my credit score and credit report. 
2. Trans Union reports my XXXX XXXX account ( A/C # XXXX ) as delinquent, 30-day late. I consider it incorrect, since my account was paid off in XXXX XXXX and it was closed with a XXXX balance. 
( HOW CAN I BE DELINQUENT ON AN ACCOUNT, WHICH WAS FULLY PAID OFF, WITH A XXXX BALANCE, MORE THAN SIX YEARS AGO AND ON WHICH I OWE NOTHING? ) 3. Trans Union 's reasoning is that they report it 30-day late, delinquent, since the creditor, XXXX XXXX, reports it as such. They claim that they are unable to change the reporting made by the creditor. 
4. XXXX informs me that the account is reported as 30-day late, since it was LATE in XXXX XXXX. They will not take any action on it since it is a closed account and they do not take any action on the closed accounts. 
5. Upon my request, XXXX XXXX has sent me two letters : ( 1 ) One showing the payment history, on my account, closed in XXXX XXXX, showing the " LATE '' payment before the account was closed. 
( 2 ) A letter showing : the dates when the account was opened, XXXX/XXXX/XXXX, when the last payment was made, XXXX/XXXX/XXXX and the current balance, {$0.00}. 
6. Trans Union and XXXX XXXX both understand that I owe nothing to XXXX, after the account was paid off in XXXX XXXX. 
7. My dilemma is that I owe nothing, yet I am reported " delinquent '', for an account that was fully paid off, with a XXXX balance, more than six year ago. Trans Union and XXXX XXXX are both locked in their own bureaucracies and will do nothing about it, while my credit suffers, as being INCORRECTLY reported : " DELINQUENT ''. 

I DEFINITELY NEED HELP, BECAUSE NEITHER ONE OF THESE XXXX BUREAUCRACIES WILL TAKE ANY ACTION, TO DO IT RIGHT BY ME.

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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last 2 envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except 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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I noticed in my credit reporting that no agree to stay mortage - closed then I need delete mortgage - closed because if my ex husband happen and unable pay for mortgage in XXXX but I ca n't afford. I was divorced in XXXX 2007 and I signed quit claim deed and gave him to own his house then I do n't want to keep house. I have payment for rent in apartment in XXXX that ca n't XXXX rent and mortgage in XXXX cause my low income for XXXX to hardship and not money. I called in TransUnion and waiting to remove but they said 60 days. My ex husband bought house in XXXX and his ex wife divorced. We moved to XXXX and bought house then he spend to loan often.

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 2015-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. 
This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown. 
The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX. 

I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report. 

I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. 

Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department. 

Thanks you, XXXX XXXX ( cel )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 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:
I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. 

the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.

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 2016-04-13 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:
This particular public record the last name is not even my last name. And Transunion now state it will take them 60 days to fix. Doc # 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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT 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 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.

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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 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: NY

Complaint narrative:
The XXXX credit agencies make it IMPOSSIBLE to get your free credit report. ALL their websites are confusing, and after you submit your forms they ALL give you an excuse about why they ca n't give you your report, and the excuse is ALWAYS wrong. 
PLEASE do something to make these XXXX companies COMPLY WITH THE LAW. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires 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 explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: OK

Complaint narrative:
I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a XXXX year old widow. I had to do a hardship bankruptcy in 2011 because I could not keep up with payments after my husband 's death. The credit reports say that I had a serious delinquency and or collections. I have NEVER been late with any payments even through the bankruptcy. I did n't want to do the bankruptcy and did everything I could to avoid it. What can I do to correct the serious delinquency charges on my credit reports?

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have XXXX accounts on my credit report that are n't mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 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- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

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