vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available

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 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting incorrect information on my credit report. I have disputed this information several times. I was informed that transunion needs 30 days to verify or delete the incorrect information. I keep receiving letters in the mail from transunion stating they need an additional 15 days. According to legal advice if the company does not respond to them the item is to be deleted from my report. I keep disputing the following information that is reporting incorrectly : Teachers Federal credit union acct # XXXX is reporting twice as " Discharged through chapter XXXX bankruptcy '' This totally false and incorrect as I never filed for chapter XXXX bankruptcy. The next item is XXXX ... ..this account was PAID in full 2 years ago ... .I have written letters/contacted XXXX ( which is no longer in business ) so I contacted the collection agency they sent me to. I should have never been put in collection to begin with as this debt was paid in full. ( The collection agency had agreed to remove this debt as it was verified through whom I do no know as I mentioned earlier XXXX is no longer in business ). It has been agreed it will be removed from my report. ( Upon checking my credit report again today it is still reporting ). Capital accounts is the next item that was to be removed off my report. I had contacted capital accounts and it was verified it was to be deleted. This account was deleted from another credit reporting agency but not yet from Transunion. I keep disputing this information and it just remains the same which is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. I am submitting this complaint as I have spent hours and days trying to resolve this. I am also complaining about transunion as to the fact when I call them I am told that my report is being held under another department. ( Fraud dept ) ... ..I get transferred to speak to a human in the fraud dept and all I receive is an answering machine. I 've sent proof to transunion and the mail is returned to me. I am complaining about this credit reporting company as it is getting very fustrating in trying to correct this wrong information.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. 
Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. 

I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.

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

Complaint narrative:
Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.

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 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

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 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My complaint is that Trans Union will not remove the bankruptcy off of my credit report 6 months before they claim it is supposed to come off my report-that is it! 
Trans Union came back with something about about how they do n't control my credit score etc, etc. 
The bankruptcy has been on my credit report for 10 years removing it 6 months before Trans Union claims is when it is supposed to come off should not be a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 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:
Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.

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 2017-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. 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 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX XXXX, I initiated a dispute with Transunion via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Transunion is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. On XXXX XXXX, Transunion sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.

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 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is stating I have public records and delinquencies on my credit report, and this is absolutely false. I sent an ask for a copy of my credit report with the required copies of the information the requested, and I never received my free copy. Where Transunion is getting this information is I do n't Know! I tried obtaining it online, writing through the mail and there 's always an excuse from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Union Financial, LLC
State: OK

Complaint narrative:
Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sold a house and closed on it XXXX XXXX. At the time of closing, all taxes with XXXX County Tax were paid in full. When I went to the Tax office when I saw it on my credit report, they agreed and just gave me a paper that showed it paid. Again, All taxes were paid in full when I closed on the house in XXXX and this lien was filed in XXXX. I did not own the home at that late date as it was transferred to the new owner XXXX XXXX, XXXX. Please have Transunion remove the lien from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.

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