BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Affirm Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
THE RUDE AND UNHELPFUL COMPANY REPRESENTATIVES ARE RESTRICTING MY ACCOUNT BASED UPON THEIR UNTRUE PREMIS TO BEING UNABLE TO VERIFY MY IDENTITY WHEN IN FACT I HAD STARTED THAT IDENTITY VERIFICATION PROCESS LAST MONTH AND HAD ALREADY SUCCESSFULLY PROVIDED THAT TO XXXX. FURTHERMORE I HAVE TOLD THE AFFIRM SUPERVISOR ON THE TELEPHONE THIS DIRECT INFORMATION YET THAT PERSON IS UNABLE TO DIGEST IT IN THEIR MIND AND IT BOTHERS ME HOW PSYCHOTIC AND STUPID THEY ARE BECAUSE MY ACCOUNT SHOULD BE HANDLED IN A RESPONSIBLE PROFESSIONAL MANNER. I WANT THEM TO STOP MANUALLY TWEAKING IT AND STOP XXXX WITH MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, I am a good- standing customer of XXXX who has been trying to return an item to Gerd detect that was purchased by mistake for more than three months. The seller has been totally uncooperative with my numerous attempts to acquire a return label. The item is expensive and because I am XXXX in XXXX  years of age I do not have the resources to pay {$10000.00} with the interest For an item that was purchased by mistake. My attempts to return. The item were met with an organized intervention meant to stall and prevent the return process. Rather than allowing me to return the item, the seller has stalled, lied, and deleted my attempts to return the item within the return deadlines. The seller had posted an out of service screen on the XXXX site for more than three months, preventing any attempt to return the item. I tried to cancel the order a few days after I ordered it but because the item has shipped I couldnt cancel the order so ever since late XX/XX/ I have been trying to return the item. XXXX has been basically unresponsive, and the seller has been totally Unresponsive. they have deleted all my attempts to return the item within the return deadline, but failed because the history of all my attempts are recorded in my phones, my XXXX XXXX and my computers history. They also promised if I removed a negative review that I posted on XXXX, they would allow me to return the item and get my refund. They have also failed to do that. I have almost all of my facts screenshot on my phone and had them printed at XXXX. My account has been hacked and my timely attempts to return. The item are gone from my account but I have them screenshot it on my phone. They have engaged in very deceptive practices, just to keep me from returning an item. I am not very computer literate but I am trying my best to show how deceptive these people can be. Also, the lender Affirm is threatening to turn my file to Credit agency to damage my credit, which is excellent. Whatever you can do to help me will be greatly appreciated. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Bright Capital Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was basically scammed. I have XXXX ach fee charges, when I had money in my account. I was told that in a weeks time I would get my money back and still havent. I e talked to XXXX supposed agents and still no results but empty lies. I lost $ XXXX charges that should have never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund. 
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied Collection Services a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit on XXXX  XX/XX/2023, and noticed there were a few credit cards from XXXX  XXXX with a {$3000.00}, a XXXX XXXX  with a balance of {$5000.00}, a loan from XXXX XXXX XXXX  with the amount of XXXX, XXXX XXXX XXXX XXXX XXXX  with a balance of XXXX and a XXXX XXXX  with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I wired {$47000.00} to Bank of America on XX/XX/. When I logged in to verify the payment had been received by online banking was turned off and I was unable to verify they payment has been received. When I called Bank of America I was told a variety of bogus reasons why my banking was turned off, which now prevents from accessing any tax documents or statements, which were there. This practice is unfair and deceptive based on Bank of Americas reliance on the use of online banking. I requested written conformation ( to be received day of not in two business days ) that this payment was received. I was declined this request from XXXX and XXXX. XXXX was especially nonsensical in all of her answers, reasoning, etc., regarding the excuses that she can not do this. Bank of America should NOT turn off someones online banking for paying off their loan.

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: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've gotten a Total of {$230.00} In late fee 's from a bank error. I fully expect to get a 100 % refund of these fees. its absolute XXXX  XXXX that a bank thinks that this is fair practice. I'm sorry its not OK with me at all. the bank can not start a chain reaction of fee 's that makes it impossible for someone to get ahead its impossible. {$230.00} worth of Fee 's in less than 10 days when the funds in the account were enough to cover the original charges... .I 've already submitted one complaint I'll keep going until this gets resolved!

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: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
We applied repeatedly to Wells Fargo Mortgage Services, aka Wells Fargo NA, Company for mortgage modification for 4 years, and were repeatedly denied during that period of time. We provided all financial and hardship documentation repeatedly and as requested by Wells Fargo Mortgage Services. This described period of time occurred from XX/XX/XXXX to XX/XX/XXXX, the first full year of applying was pro-active on our part prior to missing any mortgage payments. During the full XXXX years of applying for the modification, documentation provided to Wells Fargo was repeatedly 'lost ' by them or expired due to lack of processing by them. Provided proof of income was miscalculated by Wells Fargo numerous times. Attached herein in .pdf format is 48 pages of documentation applicable to this complaint. Post bankruptcy, we filed a complaint with the Colorado Attorney General 's Office. On our behalf, the Colorado Attorney General inquired directly to Wells Fargo concerning our mortgage modification denials. Wells Fargo then offered us a temporary trial modification which we agreed to and fulfilled. After the temporary modification, Wells Fargo denied us a permanent modification, and, as reason for denial, presented bogus title encumbrances, which we were able to immediately disprove. The Colorado Attorney General 's Office immediately escalated our case and, as a result, Wells Fargo offered us a permanent modification. We were required to sign a promissory note to Wells Fargo in the amount of over {$90000.00} as a condition of modification approval. Another 10 years was added to our mortgage at an interest rate of 5.375 %. We believe had we not been denied the mortgage modification due to Wells Fargo and its employees negligence in not correctly and properly applying our correct income and allowing our modification application to continually expire without proper processing, the {$90000.00} in arrears would never have accumulated. Nor would it be currently attached to our current modified mortgage as a forbearance. This forbearance stripped us of the equity in our home, and it caused us undue duress and hardship. Please see attached .pdf file for full documentation and dates related to our complaint. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: LDF Holdings, LLC
State: WY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Approved for a loan believe they were phishing for my information and bank accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Kovo
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ). Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access verifiable evidence from the creditor 's financial institution that substance my non late status, which can be attributed to an evident billing error. my consumer report states each of the item below needs to be change in reflection agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX say i owe XXXX i never had this card in it say open like im using it in i dont even got the card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have no idea we're this debt came from every time I call AAA collections they're not helpful with his dad her how I can resolve it without paying so much money that I don't have. I have XXXX children that I got to take care of can provide more info if needed. At the time I think I left my husband who was very abusive and I believe this debt is expired

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 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
on XX/XX/2023 i received a phone call from target wanting a conformation that I tried to open a credit card account which I did not. So they were going to cancel the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
During the month of XXXX 2023, my Line of Credit account was stolen. Looks like it may have been used by another party to launder money. I was also pressured by them to send wires, with the promise that it will be reimbursed. ( There 'reimbursements ' were eventually returned ) My original balance was about {$40000.00}, Credit limit was {$150000.00}. The account shot up to over {$290000.00}. We have been trying to pay it down since. I had NO notice from the bank, Huntington National, that my account was going way past the $ XXXX limit. No alerts, email. Account was not frozen for further activity, on hold, or closed, The activity continued. The only way I found out was when my account was denied web access. I called customer service, but no reason given, only with instructions to go to bank branch, Only there I found out about the fraud and that the account was 'Stolen ' and I'm responsbile for amount of fraud. Does the bank have fiduciary responsibility to inform the customer and protect the account when it goes this far above the limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit has been sending me letters and calling dozens of times a day for months. I have disputed this debt multiple times with both credit bureaus and have gotten absolutely nowhere as they just send the exact same documents to me and state that I am responsible for this debt. 

I am NOT responsible for this debt and I have notified them multiple times over the past 2 years. I am now being sued in court by a lawyer and have a court date on the XXXXXXXX XXXX XXXXXXXX. I am a XXXX percent XXXX XXXX  and only collect my XXXX benefits. I have no other source of income. They do not " investigate '' the dispute, they just send the same documentation accusing me of a debt that is not mine. 

I have been threatened with legal action AND now have a court date. I can not afford a lawyer. 
I can't dispute the debt anymore than I already have with continuing to be ignored in my disputes and then threatened legal action and to take my XXXX pay. 

This is not my debt as I have communicated this over XXXX times now. I do not work and only have my XXXX benefits so on top of hundreds of phone calls and letters, to include letters from a lawyer, I have not only been threatened with legal action, I have had it taken against me for a debt that is not mine and have to go to court for this. 

I have also had the sheriffs department show up at my door and serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The night of XX/XX/XXXX I checked my TD online account and noticed that my account balance was much lower than expected. Upon reviewing the transactions I saw XXXX large withdrawal transactions. A withdrawal of XXXX and XXXX dollars on XX/XX/XXXX from the XXXX XXXX XXXX XXXX TD bank location and XXXX cents from XXXX bank ATM in XXXX on XX/XX/XXXX. A total of XXXX was taken from the account and XXXX in atm fees. 

I immediately contacted TD banks fraud department and notified them about these fraudulent transactions. The representative I spoke with informed me that the transactions were completed with a newly administered debit card. The debit card I still had in my possession was set to expire XX/XX/XXXX, so the bank automatically issued a replacement card via mail. This replacement card was mailed XX/XX/XXXX but never received by me. The representative informed me that the card was activated by the other party on XX/XX/XXXX then they proceeded to withdraw money. I submitted an affidavit explaining I wasn't the one who made these transactions and had it faxed to TD fraud from my local TD bank location. I closed both my checking and saving account that was connected to the compromised card and reopened new checking and saving accounts on XX/XX/XXXX I've filed XXXX claims with TD bank already, but they keep being denied, saying that a valid card and pin was used to make the transactions and not being further investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan was with Great Lakes. My school XXXX XXXX XXXX year, so this loan was XXXX. I have an email on XXXX from Great Lakes this has been XXXX. On XXXX Nelnet took {$50.00} from my account. I've sent netnet XXXX emails with the XXXX email information and nelnet has not contacted me. There is another payment expected XX/XX/XXXX that will not be paid, but I do not want my credit score affected.

Company response to consumer: Closed with explanation