vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off?

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 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I HAVE APPLIED NUMEROUS TIME FOR A LOAN MODIFICATION AND THIS LAST TIME XXXX INFORMED ME OF A NEW PROGRAM CALLED THE LATE TERM STREAMLINE AND I WAS ELIGIBLE FOR THAT PROGRAM. LATER, HE SAID I WAS N'T ELIGIBLE DUE TO THE DRIVE BY BPO ( BROKER PRICE OPINION ) COMING IN AT {$510000.00} WHICH WAS DONE BY A REALTOR. I HAD AN APPRAISAL DONE AND THE VALUE CAME IN AT {$370000.00}. I TRIED TO APPEAL THIS TO XXXX XXXX AND BAYVIEW LOAN SERVICING, BUT WAS TOLD BY BAYVIEW THEY WOULD NOT ACCEPT THE APPRAISAL AND WERE GOING TO FORECLOSE ON MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Received adverse action letter from other financial institution, and contacted credit reporting bureau Transunion regarding believed inaccurate information on the report. 
Initiated a dispute regarding the information. I received an Investigations Results letter from XXXX XXXX of this year. The letter states " If there has been a change to your credit history resulting from our investigation, or if you add a consumer statement, you may request that TransUnion send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose. '' As there had been a change in the form of updated information. As well as that I have indeed added a consumer statement, I felt that this section of the letter applied to me. 
On XXXX XXXX, I contacted TransUnion 's Customer Contact Center regarding making a request or request ( s ) as outlined by the letter from XXXX XXXX. 
However I was informed throughout the call, which finally was escalated to a supervisor XXXX XXXX, that TransUnion is unable to send an updated report to those who received my report within the last two years for employment purposes, or within the last six months for any other purpose. 
Although there is vagueness in if there must be two separate requests, one for sending the updated report to those who received the old report for employment purposes, and one for those who received the old report for any other purpose. Overall my concern is more as follows : I am not quite sure if it is that the letter TransUnion sent me is some sort of form or template letter which is not longer in line with their current practices regarding sending of updated reports ; or if TransUnion 's Customer Care Center is simply unaware of how to supply such requests to TransUnion. Unfortunately the letter itself does not specify if these requests are to be mailed somewhere, or submitted by phone through the customer contact center, or perhaps just hoped for.

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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion keeps saying that the Bankruptcy is mine even after providing the information to them about the Bankruptcy document that was filed. It does not contain my name and address. Now they are saying that they verify through a third party such as XXXX XXXX and XXXX. Their method of verification is not correct. They initially told me that the Bankruptcy was " verified ''. I called Transunion and they told me that I have to go through the Bankruptcy Federal Court in XXXX. I send The Federal Court a letter and they stated that THEY DO NOT VERIFY ANYTHING WITH THE CREDIT BUREAUS! In addition, they told me that " pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. '' Per FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication. 
( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Therefore, Transunion 's method of " verification '' is not a valid method if you 're using any 3rd party to verify. Even if I did file a Bankruptcy, which I did not, I did not give anyone, not the Bankruptcy Trustee, the court houses, XXXX, or XXXX authorization to furnish information about any of my court cases. There is not ever a court order to have any information of mine on my credit report. This information that you 're claiming as " verified '' is illegal and it 's not verification. You 're constantly breaking the law, even when I provided you with the document that DOES NOT CONTAIN MY NAME NOR MY ADDRESS. You need to govern yourself correctly.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a second name that is not mine and never has been and there is also an address I 've never lived at or received mail at.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NY

Complaint narrative:
On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I satisfied a NYS lien that is being reported on my credit report with Transunion I have asked for this to be investigated and removed but have received no information for the second time from Transunion

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 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Saw my FICO score was dropping for no good reason. Requested my free Credit Reports and found erroneous information on a credit card that I had never used. found out it was a new credit card issued by a dept store that I do purchase from. Since I had not purchased anything from this store in months, this made no sense. I tried calling Dept store but they were of no help. So I followed their Dispute Process and the Dispute Process of all the credit reporting companies, which have all resulted in denials of my dispute. Now the balance is up to {$260.00} in penalties and late fees! I 'm at my wits end with this issue and do n't know what else I can do to clear this bad credit from my file. Please 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 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I traded my car in on XX/XX/2016. Ally reported that I missed payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the past three months I have been trying to work with them and XXXX XXXX XXXX to get this corrected. However, they have not made the correction to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted Transunion over the phone in regards to inquiries in my credit. I advised TransUnion that hard inquiries are to be in my file for 2 years, I was advised it will in in my files one more month. I advised Transunion the allotted tome for inquiries to be in my file has expired and to delete the following inquiries. XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX XXXX/XXXX/2013. I was advised the inquiries will not be deleted on their two year anniversary date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have XXXX accounts on my credit report that are a mixed file or fraud. bankrupcy legal team and 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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as 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 2015-09-01 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My husband was going to XXXX for some dental work we opened a finance agreement with them. I paid monthly on time we finished his contract and they closed it. Then they opened another contract without mine or my husband 's consent that showed on my credit report as an opened unpaid account. I called XXXX XXXX we resolved they issue but when it was take off my report it deducted points of my credit. Why is my credit suffering from their mistake?

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