vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get 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 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX, XXXX. I received a special sales promotion paper to purchase a car at wholesale prices..I purchased a XXXX XXXX XXXX ... through XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX , Michigan ... ... one of my friends went with me and we were at the used car lot for 5 hrs on that Friday evening. Several false answers were given to us by our used car salesman that said the XXXX dealer across the street had nothing to do with this sale, also that my friend would not be a co-signer ... .my last question to him about the car purchase was, I am XXXX yrs older than my friend and if something happens to me they wo n't come after my friend for the money for the car, because he ca n't afford that ... I was told, " do n't worry, you have equity in your car.. My friend started getting all the mail regarding my car deal..approximately XXXX denial letters came with his name on them from various credit unions ... also the proof of auto insurance only had his name on it ... that is when a red flag went up in my mind that something was very wrong with the deal. I can not be put on my friends car insurance as a driver as I do not live in his household ... on the title we are both the car owners with him being # 1 the owner and me # 2 the co-signer ... he can not afford the car and I can not afford the price of the car insurance put in my name ... my friends car insurance agent told us there is no such thing as having " equity in my car '' I asked the right questions, but we were both lied to ... .if we give the car back, we both will have a repossession on our records ... .I am currently awaiting a call from Ally Bank to notify them of how this deal went down and can they help us in this current situation ... ... thanks for your attention ... ..

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 2015-09-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services
State: PA

Complaint narrative:
You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove the unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX/XXXX/XXXX my id is attached please verify my signature

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 2015-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
I have not been able to access my account accept via phone, I tried to call the company to ask when my deposit this week would be available to my card and the line to card services disconnects every time Ive called. I am not able to monitor the account transactions by phone, the recording only provides the last XXXX transactions and the online log in locked me out of my account even though I provided all the correct information. I would just like to know if Im going to get paid this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
GMAC ALLY BANK HAS FRAUDULENT RUN A APPLICATION FOR A VECHILE LOAN UNDER MY NAME AND SOCIAL, CAUSING A MIXED FILE UNDER THE NAME OF XXXX XXXX XXXX. I NEVER APPLIED FOR SUCH FINANCING AND WANT THIS REMOVED ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Reporting Agency is reporting an unvalidated and unverified debt from a collections agency.

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 2015-03-30 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:
I recently requested all XXXX of my free credit reports threw XXXX, and had no problem receiving my XXXX, or XXXX reports ; however, Transunion sent me a letter changing the apartment number to my address from XXXX to XXXX and denied me my free report unless I send them very personal information in which I object. My reports are frozen at my request because Transunion has been reporting inaccurate information. Transunion suspended my account when I attempted to dispute personal information. Customer service relayed to me she was sending me a new password XXXX times and I never received that password, as promiced to lift the suspension. I had a problem trying to get my free report last year, just the same and am fustrated with dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have contacted Transunion on many occasions about this problem. I have been paying on my auto loan since XX/XX/2014 have never been later. They have this loan as in Bankruptcy and like I never paid on the loan. I even sent Transunion a letter from the creditor. And this has never been fixed this has been going on for 4 months can you help 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 explanation
Consumer complaint received 2016-12-12 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:
Transunion shows a paid tax lien on my credit report. I do not have ANY tax lens. I disputed the information with Transunion. Transunion said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Transunion but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.

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 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same.

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 2016-07-12 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 2015-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid my XXXX XXXX credit card off XXXX months ago and still not showing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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:
I am a XXXX XXXX XXXX XXXX and Veteran. I am applying for a VA loan. However, my estranged husband abused my credit, changing my credit from excellent to poor. XXXX of his accounts is incorrectly listed on my credit report. I filed a dispute to remove an erroneous account from my credit report. The credit provider, XXXX XXXX, provided evidence the account does not belong to me, then proceeded to delete it from my XXXX file, Transunion file, and XXXX file. XXXX and XXXX updated my report immediately. However, Transunion refuses to remove it because they tell me they have 30 days to resolve the dispute. After speaking with XXXX other employees, I was transferred to a supervisor by the name of XXXX, then to his supervisor XXXX, then to her supervisor XXXX. All XXXX employees subordinate to XXXX verified the evidence from XXXX was in my file, XXXX, however said it was not there. I asked to speak to her supervisor, but she refused. Ultimately she offered a 48hr call back, then hung up on me when I asked to speak to that person 's supervisor. 

I called back, spoke with XXXX before who transferred me to XXXX. I told XXXX the situation and that I am in process of filing a complaint with the FTC and a congressional inquiry. I asked for the name of the supervisor in-charge of the special handling division. After putting me on hold, she said she was unable to give out that information. I tried to find the information online, but was unable. The bottom line is, the erroneous account belongs to my husband. It is preventing me from getting a VA home loan. My husband abused my credit cards, which caused my excellent credit to be damaged. But the biggest issue precluding the loan is the account in my husband 's name. Transunion has a policy wherein, if multiple disputes are being investigated, they will not update the account until they resolve all the disputes even though the disputes have nothing to do with XXXX another. I would like a remedy in the form of this erroneous account being taken off my report. The customer service at Transition special handling division is deplorable in the special handling branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can not dispute the issue with the credit reporting agencies, I went through the FTC to get my XXXX annual reports I received the first XXXX from Trans Union and begin to dispute an incorrect issue after that each of the agencies including Trans Union challenged my identity. Sense my identity was already accepted by the FTC and by the agencies in question this is obviously a move designed to prevent people from improving their credit scores or from challenging corrupt corporate practices. The last time I did this I went through the process with free credit report.com back in 2003 never got a credit report from them either same answer disputed identity. If I am accepted as me in advance at all the questions when the process starts I 'm still me when it finishes! This used to be called stonewalling and although it requires a specific law for each form I 'll bet this is illegal.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX contacted me by phone to tell me I had n't paid my account. I have always paid my account in full and when I received the call, I told the person I did not receive a bill in the mail and would like to have one sent to me. I did not receive the bill and received a second call. I paid my amount in full and once again asked for a paper bill in the mail, which I never received. I submitted a complaint through XXXX and thought the matter was taken care of on my credit report until I checked a different report today and found out different.

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 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue.

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 2015-06-22 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. 
I asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. 
Should n't they have told me no before all of that? 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX and now Transunion. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call XXXX and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX could. I could dispute it so, I had XXXX dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( XXXX ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my Transunion report, I called Transunion on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX Center it should have been paid from of that money. I have asked XXXX to provide me with a list of what I have paid and so far I have not received anything. Why can one XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.

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