BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to express my disappointment regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I would like to submit a formal complaint and appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always conducted my transactions within the boundaries of the guidelines provided by PayPal. Therefore, I believe that the limitation placed on my account was an error. 

I am kindly requesting that PayPal re-investigate my case and restore my account if possible. I understand that mistakes can happen and I am willing to cooperate fully with PayPal in any way necessary to resolve this matter. 

I have been a loyal PayPal customer for several years now, and I have always used my account for legitimate purposes. It is therefore disheartening to have my account permanently limited without any proper explanation. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am available and willing to provide any additional information that may be required to resolve this issue. 

I thank you in advance for your attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an American Express Delta Skymiles credit card and have had it for a number of years. One benefit of the card is you receive a companion certificate each year when you pay the annual fee, which is currently {$550.00}. The companion certificate allows the cardholder to book a flight and use the companion certificate to pay for a companion fare ( excluding taxes ). Prior to the pandemic, I was able to use my companion certificate each year, without issue. Since the pandemic, I've not been able to use the certificate because any trip I try to book with it does not meet the terms and conditions of the benefit. I have called Delta numerous times to find a solution and they consistently tell me that the flight dates do not meet the terms and there are no companion fares available for the flight ( s ) I want. On XX/XX/2023, I called Delta twice to get answers as to why I couldn't use the companion certificate and was told I needed to check different dates and/or destinations to see if I could find an available flight. One Delta representative told me she knows there are issues with this product and Delta is working with American Express to improve the experience, but she didn't know any of the details. Also on XX/XX/2023, I called American Express to complain about the lack of benefit I keep paying for and they can not supply answers to me. American Express conveniently blames Delta Airlines for the lack of benefit and Delta 's excuse is that there are limited flights. American Express is not taking ownership of the problem and does not provide solutions. 

I believe this card benefit is a scam. The annual fee for this benefit continues to go up each year and each year I'm unable to utilize the full benefit because of the restrictions on the companion certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX -XXXX XXXX  XXXX finance ). XXXX XXXX -XXXX XXXXXXXX ( finance ). XXXX XXXX -XXXX  ( bank XXXX. XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-10
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. 
- The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. 

Discover Card reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success via phone in XX/XX/XXXX and by letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT 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 2023-05-10
Company: American Credit Acceptance, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX You are in violation of The Fair Credit Reporting Act ( American Credit Acceptance account number XXXX ) Has violated several of my rights. 

15 U.S.C 1681 section 602 A. clearly states that 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 instruction.

15 U.S.C 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.

Remove these late payments and update this account IMMEDIATELY as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account

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 2023-05-10
Company: EQUIFAX, INC.
State: IN
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Dear CFPB : First, thank you for the important service CFPB provides to millions of Americans and customers of US financial firms. 

On or about XX/XX/2022 I opened by phone a 48-month CD with American Express Bank XXXX I have been a valued client with that institution for years. 

Less than 24 hours later I reconsidered and quickly notified the bank that I sought to reverse. I was told that that it was not possible to change one 's decision even less than 24 hours later without paying some {$630.00}. 

I am writing CFPB with the request that the bank will reverse what seems a short-sighted and anti-consumer policy. 

The bank should re-consider for multiple reasons. Among them : 1. While I do not recall verbatim what the Amex agent said when I opened the account, I am certain that he did not *specifically* numerate in dollars the fee I would have to pay for early account closure, even less than 24 hours later. Unlike with a credit card statement that clearly shows how much interest one pays over a X number of years, Amex did not spell out the potential fee. 

2. Should there not be a 24-hour period to allow a consumer to re-consider a CD opening? In *many* states a consumer can return within a certain period a product so long as they have the receipt and sometimes without a receipt. Why can't one do this with a CD, which is a financial product? 

3. While a general fee policy on early CD closings was listed on the bank 's page, the FAQs are buried well below Amex 's online page, virtually at the bottom of the site. Do better Amex! 

4. I have been a valued client for 8 years. Can the institution, which presumably seeks to maintain a high-quality relationship with loyal clients, provide a one-time courtesy and waive the fee? Or at least allow me to reduce the amount of the CD?

5. I was assured by XXXX  that the bank would follow up with me the following week. But by late Thursday I still had not heard back either way. In no way do I seek to disparage XXXX, who was gracious and professional and who I thought listened well to my complaint. But a lack of follow-through by his superiors suggests absence of care and appreciation for customers. 

Again I have been a valued customer for 8 years. Why does Amex extend a draconian Scrooge-like policy in this case? 

On a related matter, I have been a target of well-organized harassment campaign. In some instances, bank employees ( such as at XXXX ) participate in " ruses '' or " pranks, '' which ultimately comprise acts of financial sabotage. I do not know if this is a case here but it would be interesting for middle/upper tier management to consider the possibility. 

Thank you for your time and attention. 
Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Cascade CISS Holdings, LLC
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:
On transuion and experian my credit reports, it shows inquries that are not mine, I have mailed disputes to tranusion and experian and xactus, and have contacted XACTUS directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XACTUS DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX XXXX also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " XXXX XXXX XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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. Under the 15 usc 1681 Section 602 states that I have the right to privacy. 15 usc 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish my account without my written instructions. Under the 15 usc 1666B a creditor may not treat a payment under an open consumer report account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Westcreek Financial
State: NC
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 had signed a lease agreement for wheels and tires from a company. I have been fighting with the company since I had signed the agreement. I did not want them and tried to cancel the lease. I have since been charged for 3 months with items I never wanted. I finally got ahold of someone with XXXX and they resolved the issue with the merchant only to tell me I still owe them money or they will report that I am delinquent on my credit report. I spoke to the lady today and she stated that on the phone. I DO NOT HAVE THESE ITEMS. They have them and in no way should I pay for an item that I did not want. I also should be refunded the full amount that was paid!!! This is the worst company to ever deal with. I have done lease to own with XXXX and XXXX and they were amazing. This company to state that if I do not pay for items I do not have in my possession that it will report to my credit bureaus should be illegal and they should be shut down. Please help me recover the funds and ensure that they do not report any information to my credit report as I do not have possession of these items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

I have been trying to log into Transunion for weeks and am unable to. Transunion does NOT recognize my name & SS # any more. ( Note that this is different from my first complaint ). Not when I try to log in to recover my account, and not when I try to create a new account ( as Transunion claims that it may be closed due to inactivity ). 

I followed the link Transunion provided in their response ( https : //membership.trueidentity.com/tucm/login.page ), and again... I entered my SS # twice and my last name. And when I click on " continue to next step '' Transunion simply takes me back to the previous page to enter my information. Yes I checked and double checked that I entered the information correctly- I did this numerous times. It will not accept my information and will not allow me to proceed. 

WHY DOESN'T TRANSUNION RECOGNIZE MY NAME & SS #???

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