BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
BMO harris Credit Card has a promotion where if you purchase " XXXX XXXX '' with their card, you get 5 % cash back. 


I purchased this product on XX/XX/XXXX using the promoted BMO harris credit card for {$140.00} - and I assumed I would receive {$7.00} in rewards points. 


However, XXXX XXXX changed their name to " XXXX '' on XX/XX/XXXX. as a result of the credit card billing event not coming from " XXXX '', I did not receive the 5 % rewards. 


I contacted BMO harris on XX/XX/23 to explain this, and they said that it is the responsibility of XXXX ' to honor this promotion. 


I then used BMO 's online portal on XX/XX/XXXX to write my complaint and they instructed me on XX/XX/XXXX to call their call center again. I then wrote to them again on the XXXX and they replied on the XXXX with the same comment. 


on XX/XX/XXXX I called BMO again and the representative said that they can't control what XXXX choose to name themselves for billing. They suggested that I contact XXXX XXXX support and inform them that they need to change their billing codes with BMO - I do not think this is a fair position to put the consumer in, I am only trying to get the benefit that was marketed to me. 


BMO is still running the promotion that if you purchase " XXXX '' you will get 5 % in reward points. BMO is offering a benefit that can not be redeemed due to technicality, and they are relying on an outdated colloquialism ( XXXX XXXX XXXX ) to market their product without providing the reward. I do understand that the Bank likely is coded to look for the name " XXXX '' and not " XXXX '' but this is an issue that they need to fix internally and should not be the customer 's responsibility.

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 monetary relief
Consumer complaint received 2023-06-27
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XXXX XXXX XXXX NORDSTROM/TD BANK USA / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
So I was sitting down minding my business and my account has gotten charged twice. It charged me for a hotel stay. I was staying at this hotel for the night and the total for the stay was {$120.00} and it double charged me again and made my account go to {$250.00} which threw me to negative {$120.00}. So I need my now or I need to see a process where my is being processed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The summary of this complaint is about the troubling experience that I am having with the Goldman Sachs administered Apple credit  card. It raises questions about systemic problems about Goldman Sachs account management practices, which are negatively impacting consumers like me. On XX/XX/2023, Goldman Sachs restricted me from making any purchases on my Apple credit card. There was no notification via email, text message, call or mail to let me know that has occurred. The only reason why I became aware of the situation was when I tried to use my Goldman Sachs administered Apple credit card to make a purchase. Based on my online searches, there are many people over the years who have run into similar situations, where Goldman Sachs essentially froze their Apple credit card and where it failed to provide any notification via email, text message, call or mail. Once I became aware of this issue, I contacted Goldman Sachs on XX/XX/2023, to find out what is going on. They stated that it was due to some security issue but that they could not provide me any information for security reasons. Such as what caused the issue or how long it would take to solve the issue. Over the past couple of weeks, I reached out to Goldman Sachs to find out what is going. According to my web searches, there are many others who have had the same experience. In all my years, I have never come across a company as incompetent as Goldman Sachs, in terms of their lack of transparency that they say is in the name of security. One of my XXXX devices was financed on a monthly basis that I put on the Goldman Sachs administered Apple credit card, not knowing of their reputation with such issues until my recent web searches to see if others have had the same type of issue. The response of Goldman Sachs is that they stated in the contract that it is essentially their right to freeze accounts indefinitely and that they are not required to provide me transparency. This is in violation of US Federal, State of XXXX XXXX  ( where Goldman Sachs is based ) and State of XXXX ( where I am based ) consumer protection regulations. Goldman Sachs has failed to provide proper notice and it makes me wonder whether this is perhaps in retaliation for an application of refund for a XXXX XXXX that was less than {$12.00}, which I requested back in XX/XX/2023. Due to their lack of transparency and proper notice unlike other credit card companies, it is hard to know what is going on with the company and whether things have gotten out of control with the way they run their credit card business. As an Apple customer and shareholder, it is troubling to see what is going one with the Apple credit card under Goldman Sachs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio recovery has reaged a very old account and continuously reports its to my credit report which I did not give consent to do so. They continue to contact me at work, when I answer I inform them Im at work and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NH
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX  where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Somebody broke into my car and stole my wallet that included my ID. 
They have written checks at XXXX TRS recovery services Inc. have mailed me 2 forms as an attempt to collect debt First form was received by Mail : XX/XX/2023 Reference number : XXXX Amount : {$9300.00} Second form was received by mail, XX/XX/2023 Reference number : XXXX Amount {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im being charged by XXXX XXXX {$5800.00} for an apartment I never rented. They have now given the duty to collect to National Credit System. I have never even been here they are saying I signed a lease online which I believe is not correct. I have never even been there. Its been on my credit since XXXX. Please help me get this off because I havent done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
someone was trying to open a savings and checking account at TD BANK ON XX/XX/XXXX XXXX i received a letter in the mail from td bank. i went to that bank. and they told me it was done on line. they also told me they have my ssn and date of birth. they try to used my old address i had 20 years ago and my address i live at now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to share with this : the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX. They are actively scamming people of thousands of dollars and I happen to be one of their innocent people. They deposited my {$59000.00} check by forging my name because it was not my signature, and endorsed it with XXXX and XXXX which could be yet another one of their names used to scam people. Previously used firm names are XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX, and XXXX and XXXX the account used at CHASE BANK XXXX which after my monies have been deposited in an account that does not have my name on it will not even speak to me in the Fraud Department BUT CHASE BANK allowed someone to deposit a check that was written out solely to myself into an account that my name was not on. AND the actual Law Firm that wrote the check to me are telling me they can't help me because the check was NOT lost or stolen, that they MAILED it to XXXX and XXXX, and I needed to file a forgery claim/police report. I XXXX XXXX XXXX. Their address is in California. WHO DO YOU FILE THE REPORT WITH????? This process was done over the phone. I hired XXXX XXXX as my XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX of whom I spoke with mostly until she received my check in the mail from the law office here in Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX of whom spoke to me up to XXXX XXXXXX/XX/2023, with an outright lie about sending me my funds. XXXX XXXX XXXX XXXX XXXX. I learned of him from the actual law firm that they are still calling on behalf of other clients as I type and you read. AND on XXXX XXXX XXXXXX/XX/2023, I was BLOCKED from every one of these numbers listed in this post. There's NO HELP for the VICTIM and PLENTY of help offered for the offenders by law offices. The address is a space that is up for leasing. The review on XXXX, XXXX are ALL WARNINGS that I obviously found a little too late however, I will not STOP until these persons have been brought to JUSTICE and paid for their wrongdoings toward innocent people like myself. THE BEST ADVICE I CAN OFFER YOU IS DO NOT SIGN ANY NOTARIZED DOCUMENTS WITH THESE PEOPLE OR THEIR SO-CALLED LAW FIRM PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted repeatedly by this company about a debt I do not owe, I believe it is a scam email and do not want to contact the sender, nor click on any links. The company name that is contacting me is LVNV Funding LLC, the email that is continuously contacting me is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/2023 Wells Fargo Bank Re : Complaint for not returning wire as recalled name not matching account Your Account Holder : XXXX XXXX - Attention Wire Dept : My name is XXXX XXXX XXXX, your customer and account holder. On XX/XX/XXXX nd XXXX, a wire transfer was sent out from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank which represent the proceeds of my sale where escrow was closed at XXXX XXXX XXXX in XXXX, Arizona. I am the rightful owner of this money per the attached closing statement. I am requesting that you immediately pull my funds from the wrong account and return the money by wire to XXXXXXXX XXXX XXXX XXXX. I am requesting that you honor the recall request from XXXXXXXX XXXX XXXX XXXX immediately. I relieve you of any liability for pulling money funds out of wrong account. This is my money and it seems like you are trying to give my money away. I expect a response as soon as possible. The wire was sent to my name ( XXXX XXXX XXXX ) with the wrong account to Wells Fargo Bank and your bank should have rejected the wire because name and account didnt match. Your bank wrongfully did not reject the wire. On XX/XX/XXXX th a reversal of the wire was sent from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank to return the money however your wire department has not responded. Today is XX/XX/2023 and so far, you have not returned the wire. Due to this happening, I am Living in a tent and I have serious XXXX XXXX and this situation is worsening my health. I am not doing well at all. I should have had the money by now. I am further attaching information of the wire and recall notice from XXXXXXXX XXXX XXXX XXXX. 

I expect you to honor my request and return the wire to XXXXXXXX XXXX XXXX XXXX as recalled so that they may re-send the wire to my correct account number at Wells Fargo Bank. 

I am your customer for many years and I expect that you treat me as a good customer that you want to keep. I will not allow you to give the proceeds of my sale to another person. This will not be tolerated. I expect a response from you as soon as possible.

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 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with Capital One Auto Finance in XXXX and have carried a relationship with them since. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made XXXX late payments in XXXX and XXXX of XXXX. I was dealing with my health early in the year and it caused me to lose track of important dates. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have with your company. Then late payments are causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payments in XXXX and XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX and XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Furthermore, the creditor has responded yet hasn't provided me with full disclosure as to the Truth in Lending Act. In addition to this I've found billing errors and discrepancies on each of my credit reports as well as the bills sent to the address on file. The creditor states they're report accurate information but have yet to fix their own internal billing errors. For this they are delibaterally reporting my information inaccurately and I would like for the creditor correct any inaccuracies as it relates to XXXX and XXXX. This creditor has caused me great loss and limited my ability to obtain employment due late fees reported on the credit report because of this I'm withholding payment until the late payments are removed from my report dating back to the beginning of XXXX  and the billing errors are corrected.

Company response to consumer: Closed with explanation