vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tran union is allowing XXXX XXXX XXXX XXXX report to my credit file this is a unverified debt an update in there credit XXXX is not what I am talking about this account was placed in collections I want to know why XXXX XXXX is allowed all total this account is being report 4 times it was reported with a XXXX balance and needs to be removed No dispute needs to be opened this account needs to 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 non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank

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 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and fraud.

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I contacted Transunion about a hard inquiry that I did not authorize. Transunion told me I need to get a letter of deletion from the actual company XXXX XXXX XXXX listed. I called that company and they informed me to dispute with transunion to look into the issue. I have gotten the run around from both XXXX and transunion. XXXX told me that they cant find where I made the inquiry but somehow it ended up on my credit report. This is a mistake that I can not get Transunion to look into. XXXX repeatedly told me that they do n't give deletion letters. Transunion told me they ca n't do anything about the removal of the inquiry without the deletion letter. I am lost and do n't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : 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 non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Yes there was a transunion glitch everything was taking off then added back, and by law once something is removed you can not add it back to a customer credit report, i was not notified in writing these thing would be added back to my credit report and this is against the law.. your company has broken the law, per frca section 611. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
transunion lists my employment as " XXXX ''. I have never been employed as a 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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is listing the following account on my credit report : XXXX XXXX XXXX : Account Number XXXX This derogatory account reporting negatively initially went delinquent XX/XX/XXXX. Since that time the account has been listed as derogatory. The account should have been removed XX/XX/XXXX. 
However TransUnion refuses to remove this account. I requested copies of the payment history from the creditor, however they refuse to gather this. I have requested copies of the payment history from the creditor as well, and they refuse to furnish them to me. 
After several disputes, TransUnion is stating again that they have verified this information, however they have not. No PAYMENT HISTORY is reporting at all on this account. NO PAYMENT HISTORY has been furnished by the creditor. TransUnion is simply taking the creditors word for it. As a consumer, this is another case where I am being bullied by this company as they quickly report this erroneous information, yet refuse to thoroughly verify the accuracy. I advised a supervisor in the special handling department that TransUnion did not even properly handle this dispute and the supervisor told me they did n't have any control over that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: MN

Complaint narrative:
my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My wallet was stolen in late XXXX -XX/XX/2014 and a collection bill for XXXX , an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.

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 2017-02-22 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:
1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine

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 2017-01-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the 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 2015-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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:
On XXXX/XXXX/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately.

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pervious deleted items were add back to credit report without written notice. Which is against the FCRA section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I 've disputed these items with TransUnion on several occasions now. These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} Below is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. 

XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. Furthermore, they 've reported different Last date of continuous delinquency dates per the XX/XX/XXXX credit report and the XX/XX/XXXX report. 
These items should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter XXXX sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX has re-aged this items and is in violation of the FCRA. 


Enclosures : Agreement XXXX pg & Student Class Schedule XXXX pg

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 2015-08-21 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:
Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
ther are XXXX collection account from XXXX # XXXX and # XXXX, both are paid by my ins XXXX and XXXX, whatever aproved billing, it should be removed from my report, and another one from XXXX hospital which was paid # XXXX, shhould also be removed, and last one is fromXXXX XXXX # XXXX do not belong to me, this should be removed too

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. The bankruptcy trustee did not pay the real estate taxes on properties in the estate and the liens have been recorded against my personal credit although they were not my liability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Account Discovery Systems, LLC
State: SC

Complaint narrative:
Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX

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