vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My brand new car was totaled back in XXXX. I received a statement, after my insurance made a pay out and additional money was released to Ally financial because I had an extended warranty on the car. There was a remaining balance of XXXX and some dollars because I was not aware of the need for gap insurance at the time I purchased the car. The statement they sent said that the next payment that was due was for XXXX XXXX, 2018 in the amount of XXXX. The next thing that I received from them, was a letter threatening to take action against me and my co-signers credit because they claimed I owe them a {$360.00} payment that they said was then 2 days past due. I spoke with numerous people trying to get answers and resolve this issue and got disconnected from them several times when I asked to speak with supervisors. I was told to " disregard '' the statement I had received and that the letter threatening my credit is what I should pay in full. When I ask why that statement was sent if I was to just disregard it, no-one answers me, or I get spoke over and redirected to make the payment, and reminded of the threat to my credit for not making the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I 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 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.

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 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC.
State: UT

Complaint narrative:
I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing an invalid tax lien ( # XXXX ) with Transition and they continue to refuse me a reinvestigation. I have forwarded to them documents and lien removal letters via certified mail and yet they have not verified these items with the state clerk in order to remove the lien from my file. I have called the tax liens office to ask whether a member of Transunion has contacted them or forwarded ant of my documents to them and they have informed me that no one has. I am so frustrated with Transuion then constantly shutting me down. It is their duty to do a proper investigation and i have been waiting over 90 days fro result. I have called and it took me days to reach a reprsentative who claims that no paperwork was received and no further investigation will be conducted. I do not understand what is going XXXX. whether they are lying to me or purposely losing my documents? This lien is not valid and must be removed. I can not obtain a job, nor can i rent an apartment because this is causing a severe affect on my life and this credit monitoring agency does not care and pretends to have not received my documents refuting their verifications. this item should never have been verified. i am speculating that their systems may be outdated or something. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have never been associated with any company named XXXX XXXX as reported in my employment data.

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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed many items on my credit report.. All XXXX agencies have made some changes but never took any thing off as requested. They have violated the fair credit reporting act. XXXX worked on this account for more than 8 months and they never had XXXX item removed. At a cost over {$800.00}. Some items are still not decided on after a year. THEY KEEP TELLING ME THEY ARE WAITING FOR THE COMPANY THAT THEY REPRESENT TO EVENTUALLY SEND THEM SOMETHING. Every time they receive a dispute, they lower my XXXX score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. 
About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I purchased a car from XXXX, when I purchased I was under the impression that I had XXXX insurance but it turns out I did not. The sales person did not fully explain and apparently marked that we declined on the application when that was not the case. My car was totaled in a weather related accident that was not our fault approximately XXXX days after the purchase. My insurance company did not pay off my loan balance - there was about {$6600.00} left. After the accident I called Ally Financial several times to discuss options. I was told by bother customer service reps and the total loss department that I would be able to make payment arrangement after the insurance company settled the claim. I was very worried about purchasing another car because I knew I would have a remaining balance and even tried to finance a new car with them. They stated that I should just go to a dealership and get financing through them and that I could make arrangements for the remaining balance at a later date. I have now received a letter stating that I must pay the remaining balance in full or continue making the $ XXXX/month payment and I have no options to restructure the loan to make lower payments when that is not what I was told in the past. If I knew that I would have purchased a minimally priced car so that I could pay this loan off before getting another loan. I can not afford to continue making the monthly payment at {$420.00} or pay the amount in full at this time. They also initially sent me statements stating payments would be due in XX/XX/2018 so I assumed they were allowing for a delayed re payment since the car was totaled then I received a letter in the mail stating payment in full or installment was due XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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:
I was the victim of identity theft and provided all the necessary documentation but the accounts are still reporting.

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 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am writing to report that neither XXXX nor Ally Financial did n't work on my dispute case properly. XXXX did not remove wrong information from my credit report after filling in a dispute. This was a leased vehicle through Ally Financial which was terminated earlier and paid in full - accordingly - directly with Ally Financial. The vehicle was returned to a XXXX dealer. Subsequently, I have received a letter from Ally with the remaining balance and paid in full 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 explanation
Consumer complaint received 2015-03-28 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:
Hello, I requested my credit report from TransUnion only to find out that both my information and my sister 's info is mixed together under our individual SSN. When they pulled out my info with my SSN it has her name as Personal Information and my name as XXXX. The same thing happened to my sister as well when she checked her info with her SSN. Her Employer, Credit Cards, etc are all mixed with my info. I have called TransUnion XXXX times to get this issue resolved. They claimed they have resolved it on their end but I will have to call XXXX and XXXX individually in order to resolve the issue with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26 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:
Credit Bureau added back on inquiries to my credit profile that were not on there. I had a fraud protection placed on my account and XXXX XXXX said that it was deleted after 90 days where as I initially put in on their for an indefinite period of time in XXXX 2016. I asked them to provide me with the documents that warrant them publishing this information on my credit file and they said they do n't have any documentation. Thus all inquiries below should be removed from credit profile. 
XXXX via XXXX XXXX XXXX XXXX XXXX via 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 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I previously co-owned a XX/XX/2014 mustang with My husband. We first had it financed thru XXXX but had recently had it approved to have it refinanced with Ally. Before our first payment was due for the mustang with Ally we decided to trade it in. I traded in the mustang the weekend of XX/XX/XXXX at XXXX in XXXX. It was way before my payment was due at Ally. I called dealership to let them know Ally was contacting me on not getting paid, I was told it would all go away once they received check. Ally reported XXXX bad marks on my credit and havent been removed even after car got paid! I have never made late payments with any car loans and this has made my credit score go down alot. Really not happy!!

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 2017-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I MAKE A PURCHASE, WITH MY DEBIT CARD, I NEVER GET THE SERVICE, I PAY FOR, I FILE A DISPUTE WITH ALLY BANK, THE OPEN THE THE CLAIM, THE SEND A NOTICE TO XXXX XXXX REFUND THE MONEY TO ALLY BANK, ALLY BANK NOW REFUSE TO CREDITE MY ACCOUNT.

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 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to 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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Am Filing this complaint because Trans-union has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I owed a past due bill to XXXX XXXX XXXX that was turned over to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX in XX/XX/XXXX to pay the bill in which they instructed me to pay the bill directly to XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and paid the total amount ( XXXX ) plus a fee of XXXX, XXXX total. ( Confirmation # XXXX ) 6 months later I see the debt on my Transunion credit report still stating that it was open and still in collection! I called XXXX XXXX XXXX in which they could not find my record! They feel it is due to me paying off the bill? But they ca n't report it paid? XXXX XXXX states that it is not their responsibility to show it paid either???? ( I filed a XXXX complaint against XXXX XXXX when they would not respond to my emails or calls ) They only answered the XXXX complaint of course. 
Now what am I supposed to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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 received my credit report from Transunion, XXXX, and XXXX. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to Transunion and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX 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