BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Waypoint Resource Group, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I contacted XXXX XXXX about switching service to my new residence. Due to a disagreement over charges involved I told them to cancel service. I continued recieving bills for the service at my old address, which I still owned but was vacant and did not have any of their equipment to recieve continued service. This went on for htree months, accumulating a balance of over XXXX XXXXXXXX XXXX Finally the bill ws reduced to XXXX XXXXXXXX XXXX which I contested with them and they verified my phone call in XXXX. I was told that they would investigate the recording of the call to verify information discussed. Next thing I know, I begin recieving bills from a collection agency. When I contacted XXXX about it, all that they could suddenly tell me was that the account was sold. When the collection showed up on my credit report, I filed a dispute and it was removed. It reappeared later in another companies name, and was again removed when I disputed it. Now it is on again under a company called Waypoint Resources and they refuse to remove it. My argument with this situation is that the debt was never verified by the original debtor, XXXX, when it was sold into the collection industry and is now being passed from company to company. These collection companies have no idea whether this was originally a legitimate debt or not. I can not get any more information on the account from XXXX as they considered it out of their hands when sold. I feel that XXXX should have finished their investigation as promised and supplied me with transcripts of the phone call which they said was recorded. I also feel that an agency buying these accounts should have some responsibility to verify their legitimacy. All I want is to have this collection permanently 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 explanation
Consumer complaint received 2019-03-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/19. Sent XXXX on MoneyGram. My son had already left Indiana  on way to XXXX. Did not go to the XXXX XXXX IN   XXXX to pick up funds. Called Money Gram to cancel transaction. They said it was already picked up. But it wasn't!!! Its still at XXXX and they wont refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$4700.00}.

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 non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

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 2023-07-28
Company: Waypoint Resource Group, LLC
State: TX
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:
I filed a complaint with the CFPB complaint I.D . XXXX beginning of XX/XX/XXXX about Waypoint and RPM trying to collect without verifying debt. The CFPB reached to them and their response was the account was returned back to creditor. On XX/XX/XXXX I receive another letter from Waypoint still trying to collect after stating they closed the file. I received an email stating the complaint was closed.

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 2023-03-28
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023 phone call would not say who they represent but asked my social and knew my name said trying to collect a debt not the first time they called I keep asking what its about they say they wont tell me unless i give social which i am not comfortable doing got about 10 calls from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: ALLY FINANCIAL INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am looking for more information about an account I opened with Ally Financial.

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 2023-11-29
Company: MOHELA
State: WV
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:
I received confirmation from Mohela on XXXX of my loan repayment auto-debit withdrawal request which should have drafted my first loan repayment on XX/XX/XXXX as required. They did not draft my payment and I then submitted a one-time payment via the website on XX/XX/XXXX. I then resubmitted my auto-debit withdrawal request, and received confirmation that Mohela processed it on XXXX. They did not draft my payment for XXXX either as of today, XXXX. Upon checking my account, I discovered that all of my loan accounts have been placed in forbearance until XX/XX/XXXX. I received multiple messages from Mohela in early XXXX related to my PSLF status but did not receive any correspondence related to a forbearance period. 
I called and spoke with XXXX, a Mohela customer service rep, who confirmed that Mohela placed these accounts into forbearance status for all account holders who did not have payments processed properly. They stated that this way no one would risk having late payment fees or accrued interest charges. XXXX XXXX today, I owe nothing on my account until " sometime in XX/XX/XXXX- I can not confirm a due date yet. '' My loans are enrolled in the SAVE program ( formerly XXXX ) and should be under repayment as of XX/XX/XXXX like all other student loans. The rep did confirm that the months in forbearance DO count against the total months of forbearance use available to a customer for their particular loan. I do not understand how they are able to count off months of forbearance allocated to your loan accounts for their inability to process payments properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had contacted Capital One for having a major medical injurt that delayed and changed the flight I needed. I sent over all supporting messages and the denied the claim. 

I sent them the original ticket, the new ticket, the doctors notes from the hospital I had to stay in for 2 days. 

They don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I mailed a check for XXXX XXXX Dollars from the XXXX Government by certified mail for deposit into my Capital One checking account. The check was delivered XX/XX/2022. Capital One acknowledged receipt. 

Unfortunately, after more than XXXX months the funds still have not been deposited into my account. I have made multiple inquiries over the past XXXX months. Customer service staff reported that the delay is because the XXXX XXXX Department did not get a response from the payor ( XXXX XXXX XXXX, the equivalent of the IRS ). Customer Service staff could not tell me the nature of the information requested or the process for resolving the problem. Despite requests for more information about how Capital One would resolve the problem, I have received no additional information and the check has still not been deposited. 

On XX/XX/2022 I mailed complaint letters to Capital One 's Main Office and to the XXXX XXXX XXXX. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Potentially Predatory Activity By Student Loan Servicer AES : Servicer ( American Education Services ) without authorization, application, request, or inquiry, put current and performing loan into a one-month forbearance status. I in no way want, need, or desire a forbearance. I spoke with customer service and only inquired about the qualifications of my direct subsidized loan for a current forgiveness program. I did not provide any financial information nor make any representation about my finances. Several days later, I was notified that my loan status had changed to Forbearance. Once notified of the forbearance, I immediately contacted AES to inquire as to the reason for the forbearance and requested the removal of the forbearance from my loan. I was told the reason for the forbearance was that I had clicked a " Learn More '' link in an AES email about XXXX and government forgiveness. The link led to an AES informational page. I entered no data into the website, nor did I log in to the site. This explanation seems preposterous and, if true, deceptive and predatory. As you are aware, forbearance status can lead to increased interest payments over the life of the loan and be impactful to borrowers future financial prospects as well as disqualifying them from forgiveness plans. If the email link explanation is not true, the AES representative decided on his own to place my loan in forbearance, I believe, to disadvantage me with the very forgiveness program I was inquiring about. That would be equally deceitful, unfair, and predatory. Please be alert after you engage with AES customer service or electronic mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and XXXX are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, Equifax reported perfect payments OK as agreed on payment history. after dispute, Equifax removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with Equifax reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used MoneyGram to send money to my dad on XXXX XXXX and I received an email to notify my that the transfer was in progress. 
On XX/XX/XXXX I received an email from MoneyGram to inform me that the transaction was completed along with the reference number for the receiver ( my dad ) to retrieve the money. 
XX/XX/XXXX or XXXX : my dad went to pick up the money and was told that he couldn't receive the money because the transaction was blocked. So he called me and informed me. 
XX/XX/XXXX : I did call MoneyGram ( next day ) and after spending about an hour on the phone with 4 or 5 different agents total and going through verification and screening the last agent told me that there was a technical issue on their end and this is the reason why the transaction did not process. He then told me that it would be resolved and the money would be available for pick up within 24-48 hrs. ( This would mean that the money should be available by XX/XX/XXXX ) XX/XX/XXXX : My dad went back to the agency to retrieve the money and was told that the transaction was not processed. ( You can imagine how frustrating this was for him and for myself when he called me to let me know ).

I called Money Gram this morning ( XX/XX/XXXX ) very XXXX and this is when I was informed that my transaction was cancelled and scheduled for refund. ONLY AFTER talking to the 1st agent I received an email informing me about this ; AND I have to wait 3-10 business days for them to process the refund. 
I requested to talk to a supervisor or someone in charge ; I was transferred to the escalation department where I talk to another agent who was basically telling me the same thing the previous agent said ; there is no way for them to expedite the refund. 
I was sending money to my dad for health reason and this experience was frustrating for both. At this point he would be dead by now if if was a critical illness that depended on that money. After using their service for several years now this is the first and the worst issue with them. 
- they did not communicate on the status of the transaction UNTIL I called them - they canceled the transaction - they wasted so much time having me and my dad wait ( 3 weeks ) - they have me wait 3-10 business days to get refunded - they still have NOT told me WHY was the transaction cancelled after all this time They should have a way to compensate customers for this kind of inconvenience and damage they cause customers with situations like this.

VERY XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: GA
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXBalanceOwed : {$150.00} ; XXXX XXXX Balance Owed : {$9700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Incorrect information appearing on the credit report. 

I have asked and sent in many supporting documents in regard to information that is reported on my credit report. 

Please verify with supporting documents or remove the following information Please removing the following accounts : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Hard Inquiries XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  / XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: LA
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 am the author of this complaint. I recently checked my credit report and I saw some accounts that shouldn't be there. I have attached a picture of my driver 's license and a copy of an ID Theft report against the accounts and creditors 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 non-monetary relief
Consumer complaint received 2019-01-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a check for {$2900.00} to XXXX on XX/XX/XXXX. I called 2 weeks later to check on bill and receipt for the {$2900.00}. The mortgage co. said they put the money on 3 house payments in the future with {$120.00} left overbalance. I said that was wrong and I filled out bill for a principal payment of {$2000.00} plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until XX/XX/XXXX bill came only one with tax information for income tax which they did not include the {$2000.00}. I called they said they put the {$2000.00} on XX/XX/XXXX. payment which would have be next year taxes. They cashed check in XX/XX/XXXX not XX/XX/XXXX this years taxes this years accounting. We have a FHA loan and we feel that they were not happy with our principal payment and put us thru XXXX on purpose or they were trying to steal our {$2000.00} since no receipt ever came, and gave us faulty tax papers and late. Mortgage papers so messed up you don't know where you stand.

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