BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
OnXX/XX/2021 @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on Transunion dropped 41 pts onXX/XX/21 for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of XXXX  and Transunion, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) Transunion score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the Transunion report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for Transunion monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my XXXX  report, but after the experience with Transunion, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at Transunion and " Good '' at XXXX. Heartbreaking.

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 2023-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email address : XXXX ). I firmly believe that this limitation has occurred due to a misunderstanding or error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has been used primarily for personal transactions and occasional online purchases, and I have never been involved in any fraudulent or unauthorized activities. 

Given the importance of my PayPal account for various financial transactions, I kindly request that you re-investigate my case thoroughly. If any discrepancies or misunderstandings have led to this unfortunate situation, I am more than willing to provide any additional information or documentation to assist in resolving this matter promptly. 

I understand that PayPal places a strong emphasis on security and compliance, and I appreciate your commitment to ensuring a safe and trustworthy platform for all users. However, I firmly believe that my account 's permanent limitation is a result of an error or misunderstanding, and I kindly request that you review my case and, if possible, restore access to my PayPal account. 

I value my relationship with PayPal and the convenience it has provided me in managing my finances. I sincerely hope that this issue can be resolved amicably, and I can continue to use PayPal 's services in the future. 

Thank you for your attention to this matter. I look forward to a prompt response and the opportunity to provide any necessary information to support the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
My mom died in XXXX. I recently discovered the XXXX website, and sent a request for them to stop sending offers for credit cards. I sent this in XX/XX/XXXX. The cards have dropped off dramatically but I'm still getting offers from Capital One Business for my mom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this limitation is the result of a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various transactions, both personal and business-related, with the utmost respect for PayPal 's terms of service. It has always been my intention to conduct all activities in compliance with your platform 's rules. 

I kindly request that PayPal reconsider and thoroughly investigate my case. If any discrepancies or issues have arisen, I am more than willing to cooperate fully and provide any necessary information to help resolve this matter. My goal is to restore my account to its previous standing so that I can continue to use PayPal 's services for my online financial transactions. 

I understand the importance of maintaining a secure and trustworthy platform for all PayPal users, and I fully support PayPal 's efforts in this regard. If there have been any concerns about my account activity, I am eager to address them and take any necessary steps to rectify the situation. 

I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services for my online financial needs. I believe that a careful review of my account activity will demonstrate my commitment to being a responsible PayPal user. 

Thank you for your attention to this matter. I kindly request a prompt review of my appeal, and I am available to provide any additional information or clarification as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or mistake. To the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has always been in good standing, and I have been a loyal PayPal user for a significant period of time. 

I kindly request that you reconsider and re-investigate my case thoroughly. I am eager to provide any information or documentation necessary to support this appeal. I value my relationship with PayPal and the convenience it offers in my financial transactions, and I would greatly appreciate the opportunity to continue using your services. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support your efforts in this regard. However, I firmly believe that my account limitation may have been the result of an error or misunderstanding. Therefore, I kindly request that you review my case and, if possible, reinstate my account. 

Thank you for your prompt attention to this matter. I am hopeful that we can resolve this issue amicably and restore my access to PayPal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
so I have been fighting this with pay pal credit for a year and half I have proof from XXXX there was tampering with this computer and my warranty was voided and I had to pay XXXX to get my computer fixed. I have the proof from XXXX and no one is listening or take s my complaint seriously Synchonary took over I sent arbatration papers on XX/XX/XXXX to pay pal credit certified mail its been over 30 days and they never repsonded to my legal papers then I get a letter from XXXX XXXX saying after careful consideration we are still denying your claim I have the proof from XXXX and they refuse to do anything I have called XXXX XXXX several times over the last month and left voice mails she refused to get back to me at all then she send me a letter on the XXXX of XXXX saying here is my number call if you have or questions or if you wan na send this to Arbatraiton I have left several messages with her that she never returns why does she say call her when she dosent return a message ever!!!!!!

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/21 : Contacted CapitalOne regarding a {$59.00} membership fee charged to the account for our Venture card. We asked to have this fee waived, but were told this was not possible. It was explained that the Venture Card provides benefits including 2x miles for purchases. Given COVID, and the fact that travel is not happening, these benefits hardly outweigh the membership fee. We do not carry revolving account balances and hardly use the card enough to warrant any such fee, because we would never recoup through the benefits.

After reviewing our options, we decided that downgrading the card would be the best choice since travel is not possible at this time. 

XXXX We called CapitalOne again to downgrade the card from a Venture to a Quicksilver card. It was explained that our miles would convert to cash rewards ( less than what we previously had ) and there would be no membership fee. However, even with a downgrade, we would still be charged the annual membership fee for the Venture card. We asked to speak to a manager and to have an explanation of why we would be paying for a membership to a card we have just downgraded. I.e. paying a membership fee but not realizing the equivalent benefits ( as the downgraded product, Quicksilver, does not have the same rewards as the Venture and has no annual fee ). The manager did not offer any explanation or offer to waive the fee and simply stated that they have the right to charge us this fee. Eventually, he hung up on us. 

It seems highly deceptive and borderline illegal to charge a membership fee for a product you no longer use. Capital One customer service is beyond deplorable, especially given the current climate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am submitting this complaint to TRANSUNION due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-05
Company: CCS Financial Services, Inc.
State: NJ
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:
XXXX sold a collection to a company called credit collection service and it shows that this was paid! they continue to report on my report as a satisfied collection. Not only is this not mine but it's not reporting correctly! i asked credit collection service to validate this debt and I haven't heard anything from them as well as the credit bureaus to investigate this. All XXXX  did was illegally update the XXXX and so did XXXX. but they never actually validated the account. I have asked for 5 months now. this is causing great damage to my credit score and each bureau reports a different XXXX Furthermore, it's a violation of the fdcpa to continue to report an item that's disputed and credit coll continues to report this without having validated this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-12-01
Company: EQUIFAX, INC.
State: TX
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation has been imposed in error, as I have always made every effort to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you re-investigate my case thoroughly and, if possible, reconsider the permanent limitation placed on my account. I am committed to resolving any issues or concerns that may have led to this decision. My PayPal account is essential for various personal and financial transactions, and its continued accessibility is of utmost importance to me. 

I understand the need for PayPal to maintain a secure and trustworthy platform for all users. However, I firmly believe that there has been a misunderstanding or mistake in my case, and I am eager to cooperate fully to rectify any issues. 

I kindly request that you provide me with an opportunity to clarify any concerns or provide additional information that may assist in the review process. Please let me know the necessary steps or documentation required from my end to support this appeal. 

I appreciate your attention to this matter and look forward to a prompt response. Thank you for your understanding and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account ( EMAIL : XXXX ). I believe there has been a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I am confident that I have not violated any PayPal policies, knowingly or unknowingly. I have been a loyal and responsible PayPal user for an extended period, and I rely on the platform for various personal and financial transactions. 

I kindly request that PayPal re-investigate my account and the circumstances that led to this limitation. If there has been any unusual activity or misunderstanding, I am committed to working closely with PayPal to resolve it promptly and amicably. 

I understand the importance of maintaining the highest standards of security and compliance, and I am fully prepared to provide any information or documentation necessary to assist in this investigation. 

In conclusion, I humbly ask PayPal to reconsider the permanent limitation on my account and, if possible, to reinstate it. I have always valued the services and convenience PayPal provides, and I look forward to resolving this matter to continue using the platform responsibly. 

Thank you for your attention to this appeal, and I appreciate your prompt consideration of my request. Please do not hesitate to contact me at the email address associated with my PayPal account, XXXX, should you require any further information or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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