BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: SVI Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a refinance application through SVI Group inc, XXXX XXXX ( the company ), XXXX # XXXX, XXXX # XXXX. XXXX XXXX works on my loan process, all communication with XXXX XXXX XXXX to company 's email account, ower of the company, XXXX XXXX XXXX XXXX XXXX XXXX can review. 
On XXXX XXXX, XXXX, XXXX XXXX offered 3.625 % 30 years fixed, no cost no fee on my investemnt property, total loan amount {$340000.00}. I agreed and let the company work on my loan. 
on XXXX XXXX, XXXX, I signed all docs ( including tax transcript request form XXXX ) and sent back to company On XXXX XXXX, XXXX, the company locked the rate at 3.625 % for my loan. 
On XXXX XXXX, XXXX, the company ordered tax transcript to IRS. 
On XXXX XXXX, XXXX, I felt the loan process was dealyed and sent email to ask the progress, XXXX XXXX replied it only has XXXX condition ( not mentioned what condition ) and the loan will be closed by the end of that week. Later on same day XXXX XXXX ), XXXX XXXX sent me email say tax transcript was rejected, and I needed to prepare by myself ( not mentioned how many transcripts ). 
On XXXX XXXX, XXXX, I prepared XXXX tax transcipt, sent to the company, no reply on that day. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX more transcript, I prepared XXXX, XXXX transcript, and sent to them at XXXX. At XXXX, XXXX XXXX said they would upload to lender ASAP. 
On XXXX XXXX, XXXX, I sent emali to ask how to process my loan since the lock was going to expired. XXXX XXXX said if the lender cleared to close before the lock expired XXXX XXXX/XXXX/XXXX XXXX, they would extend my loan, otherwise they would relock. 
On XXXX XXXX, XXXX, Friday at XXXX, I sent email to ask the company extend my rate, XXXX XXXX replied at XXXX, said the loan was not clear to close, and the rate had gottern better, they would continue monitor for relock at 3.625 % for me. 
On XXXX XXXX, XXXX ( Sunday ), rate expired. 
On XXXX XXXX, XXXX, at XXXX, XXXX XXXX sent me email said the loan was clear to close, but the rate was deteriorated and gave me the updated market ( 3.75 % ), I could n't agree to higher rate than 3.625 % as they offered. 
First, the company offered 3.625 %, then they got the job to work on my loan, they should close loan at 3.625 %. 
Second, the company delayed to order transcipt to IRS ( I sent all document on XXXX XXXX, XXXX ), they ordered on XXXX XXXX. It 's 20 days ' delay. 
Third, the company should let me prepare tax transcipt earlier, not as they did at XXXX on XXXX XXXX, only 7days left until the rated would expire. 
Fourth, the company 's delay caused my loan delayed, they should take responsibility to extend my rate, but they did n't, and told me the rate had gotten better and would relock at 3.625 %. But they never relock at 3.625 % since then. Now the rate goes up to 4.5 %, I lose at least XXXX points ( XXXX XXXX % = XXXX ) and appraisal fee ( {$520.00} ). I want the SVI Group inc, XXXX XXXX to cover my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!

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 2022-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are all credit inquiries that I did not authorize. I have tried to report this to the credit agency, but they will not do anything about it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I placed a call to Transunion. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Transunion immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Transunion consent pursuant to federal law 15USC1681b ( 2 ).

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 2015-12-21
Company: MARQUEE MORTGAGE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: Auto Trakk, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. the XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: Nelnet, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is my student loan servicer. 

I have attempted several times to resolve inaccurate / incorrect information being reported. Nelnet has been charging interest on my student loans during COVID ( XXXX ). After speaking with the Department of Education today, I was informed by the representative that this is in fact true. I believe that I was supposed to be at XXXX percent ( 0 % ) during COVID, and I understand that this has ended XX/XX/XXXX. Additionally, I am a participant in the Sweet v. Cardona settlement. My Borrower Defense Application # : XXXX has been approved ( see attached email ). I understand that at the time of the Borrower Defense process, that interest would continue to accrue ; however, COVID happened, and the interest should have stopped accruing on my loans during this time ( XXXX XXXX ). This is not the case. My balances on my loans continued to increase monthly ( see attached consumer reports ). I believe that Nelnet has engaged in " Unfair or Deceptive Acts or Practices '' charging me interest on my loans when Nelnet was not suppose to do so during the time of COVID, causing the balance to increase AND causing my credit utilization to increase astronomically, thus negatively affecting my credit. Additionally, I have filed a Feedback complaint ( case # XXXX ) with the Department of Education on XX/XX/XXXX, in addition to this complaint with the CFPB today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Original creditor : tried disputing this with Experian and XXXX. I filed lawsuit against XXXX, Driver Time, and XXXX and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 XXXX attempted to sieze property and XXXX a XXXX party attempted to call and harass me about the property. I was unable to get information from XXXX when I called they said debt written off XX/XX/2022. I have been disputing this with Experian and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.

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 2017-04-08
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
in CFPB XXXX ... CENTRAL FINANCIAL CONTROL SENT A FABRICATED FALSE RESPONSE.CFC SAID I WAS NOT COVERED BY MY 100 PER CENT COVERAGE INSURANCE. 
I HAVE ATTACHED MY COBRA POLICY PAYMENT CASHED BY MY EMPLOYER ON XX/XX/XXXX.I HAVE ENCLOSED A BILLING SHOWING THE SERVICER RETURNING CHECKS TO XXXX.I HAVE A BILL FOR XXXX THAT WAS NEVER SENT TO THE INSURANCE BY CFC 'S CLIENT. 
ONCE AGAIN I HAD 100 PER CENT COVERAGE FOR XXXX THAT YOUR BILLING DEPT XXXX. 

CFC BY REPORTING TO THE CREDIT BUREAUS IS DAMAGING ME WHILE I TRY TO GET A MORTGAGE. 
THE RESPONSE TO THE PREVIOUS CFPB INVESTIGATION SHOULD HAVE BEEN TO DELETE REPORTING TO ALL CREDIT BUREAUS FOR THEIR NOW WILLFUL ERROR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX

Company response to consumer: Closed with explanation