vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted trans-union various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and trans-union themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or grant any permission to these companies to run my credit. 

Hard Inquiries on Trans-union report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from XXXX report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and XXXX themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or granXXXX any permission to these companies to run my credit. 

Hard Inquiries on XXXX report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from Equifax report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighhood Housing Services of Chicago Inc
State: IL

Complaint narrative:
Consumer complaint narrative During the month of XX/XX/2018, I had received several notices from XXXX Insurance stating my insurance coverage had not been paid both my agent and I made several calls to both XXXX  and Neighborhood Lending Services. The insurance was to be paid by XX/XX/2018. The documents I received and the communications by both my agent and myself resulted in numerous excuses as to why the payment had not been paid. We were given several phone numbers and various address to either fax or send the request for payment. We were promised the payment would be sent overnight. To date the payment has not been sent. I have in my escrow account close to {$6000.00} and the insurance is approximately {$3000.00}. Upon doing further research I have found over 23000 complaints about how this servicer will not pay your insurance and then force you into a forced insurance. 

I have supporting documentation including recorded conversation of my communications with both Neighborhood Lending and XXXX. XXXX sent me a letter stating that they had no proof of insurance coverage and they were purchasing insurance which I will have to pay them and the rate will be much higher than what I am currently paying. I have found that Neighborhood Lending has the exact amount due XXXX. I have also received a letter stating I put a stop payment on my mortgage payment. This is not true, all checks have been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the  debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD MOTOR CREDIT, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON XXXX.FORD CREDIT IS THE LENDER AND ALSO FORD MOTORS IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR FORD TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER FORD KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A LEMON AS THIS CAR WHICH WAS " XXXX IN XXXX '' .FORD USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE.

FORD HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE XXXX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, FORD DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE XXXX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO.

I WOULD LIKE XXXX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET FORD NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial
State: GA

Complaint narrative:
I originally applied for a mtg modification in XX/XX/XXXX due to a financial hardship that occurred on XX/XX/XXXX. I was injured at work and was dismissed from work and placed on workers compensation. While on workers comp my total monthly income was {$2300.00} per month. I even had to file a chapter XXXX bankruptcy which was discharged XX/XX/XXXX. This application was denied with reason being " loan not seasoned enough ''. I was told submit an appeal on XX/XX/XXXX when my loan would be 12 months old. This appeal was denied because my income was only $ XXXX/m and because workers comp income is not considered permanent income. I then submitted my employment verification letter proving that I was going to begin working on XX/XX/XXXX which would then produce a permanent increase in income as the job I started was was permanent. This was denied by my lender because " my income to debt ratio did would not meet poverty limit guidelines. '' My income was {$3700.00} per month once I began working. This alerted me that the lender did not take into account that most of my debt was discharged in the  bankruptcy therefore, my monthly expenses had decreased.I then followed up with an email providing the loss mitigation department a copy of my chapter XXXX discharge with list of creditors whose debt was discharged which proved my decrease in monthly expenses. I also sent an updated income and expense form as well as current paystubs as I had began working. They denied again because " debt to income ratio did not meet the guidelines ''. At that time my monthly income had increased because I had started to receive court ordered child support. I spoke to loss mit dept who then advised me to submit a new application. I submitted a new modification application packet with updated income showing the increase in my income. Did not hear back from the lender. I called the loss mit department to check the status of my application. It was then brought to my attention that my home was in foreclosure. Come to find out they overlooked my application. Once they realized this they paused the foreclosure and reviewed my app. I was denied because " my income was too high and which disqualified me from qualifying for assistance. I feel that the lender is coming up with reasons to deny 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 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. 
They have stated that I have gotten 3 modifications and that is not true. 
If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. 
XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON EQUIFAX.XXXX  XXXX IS THE LENDER AND ALSO XXXX XXXX IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR XXXX TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER XXXX KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A XXXX AS THIS CAR WHICH WAS " XXXX IN XXXX '' .XXXX USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE. 
XXXX HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE EQUIFAX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, XXXX DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE EQUIFAX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO. 
I WOULD LIKE EQUIFAX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET XXXX NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.

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 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I got this loan without even looking at ridicules interest and high payments, still trying to help my family out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Risecredit, LLC
State: CA

Complaint narrative:
Rise Credit obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I disputed this report two times through XXXX. I called the Company 3 times. They won't change my 30 day and 60 day pass due months after loan was paid. They lost a check from my GAP insurance and got a new check sent and cashed. 3 times there people told me it would be taking care of, I heard other people with the same problem

Company response to consumer: Closed with explanation