vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: ID

Complaint narrative:
I called ( XXXX ) XXXX to request my XXXX free annual credit report from TransUnion. Today I received a letter that states that " the current mailing address you provided is not listed in our records '' and for that reason I would have to submit XXXX forms of verification of my current address. I am complaining because the last XXXX credit reports that I received from TransUnion were sent to me at my current address, and they DID include my current mailing address in the address history. I 've been at my current address for seven years and I have never requested that my current address removed. TransUnion 's record keeping is shoddy at best.

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 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Glass Mountain Capital, LLC
State: DC

Complaint narrative:
Glass Mountain Capital Address shared information about my debt with my younger sibling who shares a phone line on my mobile phone plan. I 'm not sure how they received her telephone number but I assume because I am the primary account holder they were able to locate my information. However they contacted the wrong number. I was contacted and told the collection agency threatened to sue me during this phone call. I did n't talk with them but decided to contact your office to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the credit cards companies : XXXX XXXX XXXX and XXXX XXXX not provided to Trans Union credit bureau updated information and Trans Union credit bureau refused to request on their own same data from my both credit cards accounts which I paid off completely a few months ago, so it is badly hurt my credit scoreI got XXXX on XXXX and only XXXX on Trans Unionsame thing my husband has and it looks like the credit bureau not fulfill its obligation to collect and to provide all accurate and up to date information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted the creditor and resolved this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.

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 2016-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delbert Services
State: VA

Complaint narrative:
I lost my job in XXXX XXXX. I have to take a loan with the company Western Sky in order to keep my apartment. I did n't understand finances at the time. Their interest rate was over 100 %. It also stipulated that my payments of over $ XXXX/month would go towards the interest rather than the principle. The loan was only for {$6000.00}. I have been paying for 4 years spending several thousand dollars above the principle but not clearing the debt. Western Sky claimed to be a tribal lender, however the company collecting the debt was XXXX. Now Delbert Services is collecting payments at a lower rate which they had me resign a contract for, about a year later if I recall correctly. I have just recently heard that these companies have already had several lawsuits against them, including in my home state of Virginia. In those, to my understanding, it was determined that their loan terms and collections practices were predatorial and illegal. I believe that it was determined that any loans signed for by those companies prior to XX/XX/XXXX were ruled that only the principle of the loan had to be repaid by the recipient of the loan and any amounts over said principle were to be repaid to the signatory. I do not know how to make myself known as a member of that class to receive restitution. Due to this loan, I can not pay other bills, nor do I have money to buy food for myself and my XXXX dependant. I can not maintain my car, so will likely lose my current job as well. Yet they are still automatically deducting their payments from my account via ACH, which my bank says it can not stop. Please assist and advise me in any way possible.

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 2016-10-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.

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: IN

Complaint narrative:
I used a credit repairing agency called XXXX XXXX to clean up some items on my credit report that were dragging my credit score down after my bankruptcy. They dispute an item with a vendor called XXXX XXXX cause there was a late payment on my file which was valid but they disputed it anyway and the credit reporting agency Transunion removed the account from my credit report. I have been going back and forth with Transunion and XXXX XXXX to get this back on my credit report. Transunion keeps stating that XXXX XXXX needs to contact them to have this added back on to my account. I spoke with XXXX XXXX on XXXX/XXXX/2016 spoke with XXXX who stated that they show my account is reporting to Transunion and XXXX. We contact XXXX and they show this account reporting. Previously on XXXX/XXXX/2016 I pulled my Transunion credit report and did not show this account reporting. When me and XXXX XXXX attempted to contact Transunion via XXXX way to resolve this matter they stated they could only talk to me and so when I talked to them they once again stated they do not show the XXXX XXXX account reporting and that XXXX XXXX would need to contact Transunion marketing department to have them resolve this matter. This morning I contacted XXXX XXXX to tell them what I was told and spoke with a Supervisor in the Escalations Department who told me the investigation is closed and that there is nothing more they can do. I 'm trying to purchase a home and need this account to be reporting for credit sake. Also Transunion refuses to work with me on this matter and also another matter inregards to my car loan. I have a car loan with XXXX the issue was since I filed bankruptcy it was reporting closed and part of bankruptcy. I disputed this item and Transunion removed it from my credit report. XXXX has contacted them and we have both sent papers in writing stating that I reaffirmed the vehicle and that the account should reflect active open with no late payments and reaffirmed. Please help I have been dealing with this matter for almost a year and a half and have no where else to turn. thanks

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 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An original complaint was filed in regard to the negligence of Transunion to investigate errors on my credit report on XXXX XXXX, 2016. In a response to those issues in complaint # XXXX, Transunion is choosing to extend time to investigate disputes it has not investigated. Simply because the company has provided no proof it ever investigated. However, upon receiving claims dated XXXX XXXX, 2016, that XXXX accounts are deemed frivilous due to their classification as already investigated is false. See Attached. In any event, these arbitrary action will be met with equal resistance toward compliance. Thank you in advance for your prompt response.

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 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
One of the addresses on my report is incorrect.

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 2015-08-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services
State: TN

Complaint narrative:
I borrowed {$2500.00} from Western Sky ( XXXX ) and I paid the principal of the loan and I called to check the balance and was informed that the remaining balance was more than the original loan. Now I am receiving calls stating that I defrauded a banking institution and a judgment is being filed against me. These people have been unreasonable. In a desperate situation I contacted a Pay Day Loan Solution and paid the fee to them and I was informed that this company was not licensed in the state of Tennessee. Today, I called and they stated that I owe {$2300.00}. 
I need help in this situation, this has ruined my credit and I see that this company has been banned in several states and after the principal balance has been paid they are not able to recoup any other funds. Can you please assist in this matter. 

ThanksXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over 8 thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX XXXX sent this request in writting. XXXX, Transunion, and XXXX are still reporting this negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX TransUnion correct my credit report and that made my credit score go up. 
And now it has not been a year and my score is low again. It is low because the same infor-mation that was incorrect is back on my report. I informed TransUnion that several accountshad been paid by me or the account., Is not mine. I have not heard back from them. How canmy credit score go from XXXX or XXXX in XX/XX/XXXX and now it is XXXX and it has not been a year. And then the report I received XX/XX/2015 by mail did not match my oline -report. And it said I only had ( XXXX ) Adverse Account What is going with their investgation? 
Also, my report XX/XX/XXXX had to do with medical payments my insurance companytook their time paying. I have no control when Insurance companies pay their bills. 
And this XXXX XXXX XXXX account is because my insurance company never paytheir bill. And this Hospital is known for putting bills into collection very fast. Withoutinvestigating the facts. 
Thanks

Company public response: Company 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: NY

Complaint narrative:
Hi there. My name is XXXX XXXX. I am requesting a n investigation with Transunion. My inquiries were removed and unlawfully put back with them informing me in writing. Please look into this for me and have them remove my inquiries again as its not fair.

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 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is no my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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 XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly

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