BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-30
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My balance should  be less than $9,000 they charge me the wrong interest. They have not resolve this matter.        Great lakes and XXXX college XXXX XXXX XXXX                                                                    The begin and end dates for all terms.
The enrollment status during each term as either half-time or full-time. Please note, we cannot accept part-time as a valid status.
An authorized officials name, title, signature and signature date.
 
This documentation can be returned by email to the address listed below, uploaded through the forms section of your mygreatlakes.org online account, faxed to telephone number XXXX, or mailed to:
 
Great Lakes Borrower Services XXXX XXXX XXXX XXXX, WI XXXX  
Upon receipt of at least half-time certified enrollment verification from your school, your request for deferment will be evaluated, and you will be advised of any change to the status of your account. If necessary, the deferment will be applied retroactively to the date you began attending at least half time, as provided by your school.
 
We hope the information provided is helpful. If you have additional questions or concerns, please contact our Borrower Services Department by telephone at XXXX XXXX (Please note that some calls may be monitored or recorded for quality assurance purposes), or by email at XXXX.
 
Sincerely,
 
Complaint Resolution Team
 
 
 
 
 
 Original Message  From: "XXXX XXXX"  Received: XX/XX/XXXX XXXX XXXX CST To: "Great Lakes Borrower Services"  Subject: RE: School and financial aid : I'm currently in school or going back to school, and I want to know why I'm getting billed
The did already 
 
On XXXX XXXX, XXXX XXXX XXXX, "Great Lakes Borrower Services"  wrote:
 
 
Hi XXXX,
 
Thank you for your recent email.
 
If you were still attending school as of XX/XX/XXXX. Please have your school send us a complete enrollment history, which should include all of the following:
         The beginning and end date for all terms (month/day/year).
         Your status during each term, specified as either a full or half-time student (we cannot accept part-time).
         The name, title and signature of an authorized school official.
If you still have any outstanding questions or concerns, please do not hesitate to contact us.
 
Sincerely,
 
XXXX
 
 
Borrower Services Department Great Lakes Educational Loan Services, Inc. [XXXX XXXX|tel:XXXX] or [XXXX XXXX|tel:(XXXX] TTY XXXX Monday  Friday XXXX XXXX XXXX XXXX. Central time
 
Residents of CA, CT, DC, IA, MI, NC, OR, and VT: Under the law of these states, Great Lakes Educational Loan Services, Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX  and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My first complaint involves the unauthorized charge of XXXX to my account by the XXXX company in XXXX XXXX, MD. They accused me damaging panels underneath their vehicles and never contacted my car insurance company about this matter. The XXXX receipt only reflects my signature for a XXXX fee to rent the vehicle. I did not find out about the second charge of XXXX to my account until I received a billing statement for month XX/XX/2012. Ive contacted both XXXX and XXXX XXXX XXXX to resolve this matter in previous years. I still continue to see this inaccurate matter appearing on my credit statement undermining my credit score. I have disputed this matter XX/XX/2012. I strongly believe the XXXX company is unethical and totally unprofessional. I want consumers to beware of their practices and I want this matter removed 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 non-monetary relief
Consumer complaint received 2019-09-18
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
My HOA foreclosed on my condo for nonpayment of HOA fee 's This was a 3rd position lien with Wells Fargo having the 1st and 2nd. I stopped paying them because they refused to fix a leak which lead to XXXX  XXXX XXXX and a 10 day stay in the hospital. But that is not important but what happened next is why I need your help. 

My Condo sold at auction on XX/XX/XXXX. 
Wells Fargo started reporting to the Credit Agencies Late payments After the sale of my condo. See Below. I have contacted Wells Fargo over 100 times and contacted every Government Agency and nobody will help me. 
I have not owned the condo since XX/XX/XXXX. I can not live in it, I can not rent it, I can not sell it e I no longer OWN it so why is Wells Fargo letting a person I do not know to use MY loan and access it as their own? The auction winner had to get information regarding my loan because they paid the exact amount in XX/XX/XXXX to keep the property from foreclosing and never paid on it again. 

The Auction Winner SOLD the Condo in XX/XX/XXXX and pay off the mortgage but the damage is already done. My credit went from XXXX to XXXX and I can't even rent a refrigerator box to put on the street. 

I have asked Wells Fargo to please send me : The messages that they deleted from my Wells Fargo Secure login in their site. Requested 7 times because this shows ALL the emails I sent them to resolve this issue. I was told " The new owner has a right to protect their asset '' REALLY? So they own it but I still have to pay the mortgage. 
I asked that they send my original contract last year. Still waiting I asked if I could give back the Condo that I had over {$100000.00} in equity in. They said NO I asked if they could foreclose on the Condo to stop the hemorrhage of my good credit. They said NO I have sent XXXX XXXX of Wells Fargo over 100 emails and she still will not answer this one question. 

Why did you start reporting late payments after my Condo was sold auction on XX/XX/XXXX, and allow a third person to access and abuse my loan with Wells Fargo? 
I started complaining when XXXX XXXX notified me that I missed a payment in XX/XX/XXXX. I believe the auction winner was supposed to secure financing and pay off the 1st and 2nd liens within the 90 days after the purchase. That would explain why they did not report the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were waiting to be paid by the auction winner and when they were not Paid they came back on me and told me I still had to pay it.

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 2022-02-14
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Following XXXX XXXX XXXX  acquisition of my bank ( XXXX ), we have had at several instances where the Bill Pay system adjusted the payment amount without our knowledge or consent. We updated our mortgage payment to reflect a recent escrow increase and, following a few payments, the amount reverted back to the prior amount. This happened at least twice leaving us with a mess in trying to repair the damage done to our credit. As of late, our HOA dues which have been in place for several years, simply ceased. We have been clients for over 20 years and I can only imagine the number of individuals to whom this is also happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.

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 2017-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2020-04-26
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I filed unemployment claim on XX/XX/20 and I have not received my card with my money on it. I was able to set up my account but can not do much on it because card isn't registered. I have called every day and only sit on hold for 2-3 hours at a time and I have been calling twice a day. I called in the middle of the night, during the day, and in the morning and I only sit on hold. I simply want an expedited replacement card sent to me ASAP and I don't care about the {$15.00} charge for that. The card should be sent to the same address on my account. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

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 2022-02-14
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: Information belongs to someone else

Complaint:
This is the 4th time I've complained about the CFPB & Experian. I continue to get ignored, told I'm not the one submitting my complaint or informed there is no record of me being listed with the company. I have no clue what heck you're doing but I'm literally suffering and it's creating a ton of emotional & physical distress. I was the victim of identity theft and Experian has FAILED to comply with Fair Credit Reporting Act ( FCRA ) by not following the regulations. Under FCRA Section 605b an account should be blocked/removed when provided the correct documentation which shows identity theft occurred. I've submitted all required documents & they've failed to comply. Additionally, EXPERIAN has failed to provide with any verifiable proof such as a signed agreement or contract which would demonstrate I was the one opening the alleged accounts. I need the following accounts removed from my credit report ASAP. Here is the information about the accounts - XXXX XXXX XXXX & XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for Trans Union and XXXX to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and Trans Union is reporting an incorrect amount. I have attached documents for proof.

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 2017-12-30
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was contacted by XXXX XXXX ( XXXX XXXX ) at XXXX on XX/XX/XXXX. When we tried to get more information about the debt and the amount, they would not provide a break down saying that they were only sent the total. No information was provided about being able to dispute. When I asked for more information, I was told repeatedly that if I did not pay during this phone call, my credit would be damaged and that I would be threatened by legal action and that they would potentially go after leans or wages. The agent kept referencing our original lease agreement, but we had renewed our lease so that would not have been the correct document. Further, when I tried to ask questions, XXXX would remind me that I had possibly said something else and that the call was being recorded and that she would use the call against me in further matters. The fast pace of the call and threats were disorienting as it was clear she was trying to bully us into paying the amount despite not receiving the correct information from her. 
I was eventually granted an hour to do more more research, though I really should have been given even more time than that to look into the matter. 
When we called back, we could not get XXXX on the phone even though we were given her direct extension. 
We spoke with XXXX XXXX who 1st did not why we were calling as there was no case number associated with our names and then he gave us a different set of information. For example, that we now owed {$320.00} instead of {$310.00} because of interest. It was unclear if that interest was daily or monthly. He also stated that the matter was sent to them on the XXXX at XXXX XXXX, but as stated, we were not notified until the XXXX. 
We also never were sent any information via mail. 
We attempted to get off the phone and asked for more time ( even just 30 minutes ) with IQ but were threatened that in doing so, our credit would be harmed and that we would owe even more money. At this point, we were speaking with XXXX again and she stated that we could have taken care of this by now and she continued to use abusive language and threaten us. We finally hung up and tried to sort through the situation. I then received multiple calls from them ( XXXX, XXXX ). 
Because of all these harassing phone calls and communication tactics and threats to take negative action, we were pressured into paying the amount that is in dispute with our landlord as it does not appear to be a valid debt. Also, when we asked about the creditor it was suddenly revealed that the matter had not yet been sent to a bureau which goes against everything they had just told us on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX Visa credit card was changed to Barclays Mastercard. I have been trying to set up an on line account so I can pay the bill but haven't gotten a reply from them so I can access my account and I have been waiting two hours to speak to someone to help me. I thought my account was paid when it was with XXXX but they took the XXXX information on line down and when I did manage to open an on line account with Barclays I see it was not paid and they have added a late fee to what I owe and now they are not sending me a code so I can't enter my on line account and pay my bill. Their phone number either has recordings which don't understand what I am saying or hours of wait time to talk to customer service. I want to pay my bill and cancel this XXXX card.

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 2017-11-16
Company: Navient Solutions, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to get a free credit report from Experian using the legally mandated service here : XXXX XXXX XXXX Both XXXX and XXXX work fine , but Experian immediately fails . Following up using the " Sorry, we were unable to verify your identity '' page that is presented ( https : //usa.experian.com/acr/preOowError ) proved useless. 

The Upload Proof of Identity link provided fails to allow uploading any documents at all " https : //www.experian.com/consumer/upload/personalInfo ''. This was tried using up-to-date versions of XXXX and XXXX -- both gave the same failure. The file sizes were 1.5 MB and 550 kB, well under the limits. In all cases the site complains " Important Note : We were unable to upload your document ( s ) successfully. '' Calling puts me in an extended phone queue and I gave up. 

Utterly useless, and I don't think it complies with the law. I also note that https : //www.experian.com/XXXX points me at a scammy 'free ' monthly service of their own.

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