davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC (SC)

This showed up on my credit report as a charge that went into collections on an account called Capio Partners on behalf of XXXX XXXX XXXX that was supposedly opened on XX/XX/2023 for the amount of {$1100.00}. This is an error on my credit report. I have not signed surety or any type of responsibility on any loan, bill, or other let alone one with the name of Capio Partners or XXXX XXXX XXXX. I don't have any idea what this could possibly be about. I have not even visited the hospital since my father in law got sick a few years ago. I Disputed this with Experion and they denied the dispute stating the information I disputed has been verified as accurate and that I could upload supporting documentation proving this debt is invalid. How am I supposed to prove a negative? Upload a picture of my empty hand that shows I don't have a bill form this hospital? I would like to have this removed from my credit report immediately as this is a fraudulent bill and a fraudulent notice on my report. My credit score went down XXXX points because of this error. Thank you.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (NV)

Pay Pal Credit refuses to close my paid off account. Representative lied and said my account was closed. It clearly is not. Multiple fraudulent charges on my Pay Pal Credit. It is not a safe way to pay. There is no Paypal protection!! When i attempted to close my account, Synchrony bank immediately cancelled all of my credit cards. They closed XXXX XXXX. XXXX, XXXX, and many more for no reason. My credit score dropped. I also beleive Paypal has internal employees stealing from consumers. Truly astonishing!!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/XXXX I received multiple credit bureau alerts that a new Goldman Sachs GM card account was added to my credit bureaus, which is totally fine, however the problem is that Goldman Sachs reported the incorrect balance to the bureaus. 

At the time of my statement closing on XX/XX/XXXX, my balance was only 2 % of my total credit line, however, Goldman Sachs reported the balance showing 96 % of my credit line which is totally incorrect, because the additional charges on the card took place 4 days after the statement for XXXX had already closed. As a result of this incorrect information being reported, my credit score dropped across all three bureaus.

When I reached out to Goldman Sachs to get this problem corrected, they first told me that the issue would be resolved in 10 business days, however, when I reached out today, to get an updated status, the rep told me that the dispute would taking 90 days to be resolved. As a consumer and credit card customer, I am totally disturbed by this because Goldman Sachs is not displaying any sense of urgency to correct a mistake that they made, and are telling me that I have to be subject to their dispute process that will take 3 billing cycles to correct. 

I am a very responsible credit card user and pay my revolving credit balances down to less than 10 % every month.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (AZ)

There is an account on my credit profile from Radius Global Solutions with account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer, and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I cant access my Paypal account ( XXXX ). which I use for my online business. Im teaching software programming thru online, do online researching and language tutorial. My Paypal account has a stuck fund that I used to finance my daily need paying my bills and I used for emergency. I hope to get my paypal account back and withdraw funds in my account that I labored to earned. 

I had my ID attached for verification. Thank you very much in advance.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BANK OF AMERICA HAS PUT SOME SORT OF XXXX FRAUD REVIEW HOLD ON MY ACCOUNT ON XXXX XXXX, 2020 AND WONT REMOVE IT NOR GIVE ME ACCESS TO MY FUNDS. 

Bank of America ( BOA ) has placed a - {$880000.00} pending hold on my business checking account as some sort of fraud review hold and I cant get anyone who can provide me with answers as to what is going on, how long this hold will be on my account, and when I will receive my funds in this account. 

This started on XXXX XXXX, 2020. I immediately started calling BOA daily to get some answers but was transfer around the world every day and having to hold on the line for hours while reps transferred me to the wrong departments. I was told by all 45 BOA representatives I talked to that they do not know what is going on with my account and I have to wait until someone calls me. No one has called me as yet nor have I received a letter in the mail. 

They can not tell me who placed the hold on my account and why but refuse to give me access to my hard-earned money in this account. My business has suffered tremendously during this pandemic and now I am close to going out of business due to BOA holding my funds without my consent or knowledge of what is going on. I cant pay my employees or bills. 

I drove to the bank and was told that they cant withdrawal the funds and close this account due to the hold. I am confused and frustrated at this point. It should be illegal for a bank to hold on to your money without give you any explanation as to why and when the hold will be off of my account. 

Ive been calling the numbers given to me for 20 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me. 
Its just been a mess. I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it. 

Can I file something to speed this up? I cant use my bank or card for anything right now because of this HOLD. Please HELP!!
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Three separate charges totaling {$2900.00} were made with my debit card apparently with an XXXX and XXXX XXXX XXXX. I have never shopped at that store, and these transactions were not authorized. I disputed with Bank of America and they denied my claim. Here was my appeal letter sent below : To : Bank of America ATM Debit Card Research Department From : XXXX XXXX Account name XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX Claim # XXXX Claim amount {$2900.00} Charges XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Hide additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX Edit Description activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX Claim Denial Request for reconsideration. 

To Whom this may concern, Regarding the above claims, I have NEVER shopped at an XXXX and XXXX as the three charges that I have disputed represent. I have NEVER been to the state of OHIO as the three charges show that the purchases were made. Clearly this is fraud, why would the charges be made three separate times if somebody wasnt continuously trying to rob the account? This is also an incredibly large amount of money and should have been flagged. 

I have never shopped at this store, I have never been to the state of OHIO, these purchases were not me or any authorized user of this debit card. Further a fraudulent charge that I assume has not been denied was made around the same time on my account at a XXXX XXXX. Clearly somebody had made some sort of additional card using my account information and made charges. While the XX/XX/XXXX charges were processing and noticed the activity I immediately made the dispute. I have been a customer with Bank of America for over 15 years, this money was stolen from my account and is insured, I request this money be returned to me immediately or I will seek further recourse. 

XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolvedXXXX XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXXXXXX XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I have set up a rehabilitation payment plan with the collection agency XXXX on XX/XX/XXXX I made my first payment to them. 

I then had my social security check for XXXX garnished for {$210.00} this was a major hit to my financial budget to say the least. 

My first letter from my loan servicer Navient was XX/XX/XXXX stating to act quickly an set up a rehabilitation plan before XX/XX/XXXX or my social security would be garnished, so I did and made my payment XX/XX/XXXX. I quickly made a call on XX/XX/XXXX and spoke with " XXXX '' and she promptly opened a ticket to resolve the issue and to allow 3-5 business days. the ticket number is XXXX. I asked if they would take another garnishment in XXXX but she could not say or give me false hope. I called again on XX/XX/XXXX and spoke with a young man by the name of " XXXX '' he could not give me any good information or updates at all he just kept referring to XXXX, and then to the IRS, and to XXXX? this was an automated system and does not talk to live people. He did not help at all or attempt to just wanted to send me to one bad number after another. Please Help!! I'm XXXXyrs old!
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work XXXX was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (SC)

I took my son to ER on XX/XX/XXXX. His first name is my middle name and his middle name is my first name. basically same. He has full Medicaid. Not sure why we got billed, {$300.00}. actually received a bill sometime in XXXX and when tried to give the insurance they could not find the account ( the hospital billing department over the online account search ). So then I figured this is an out of state network provider. Received a bill and tried to open online to update the insurance and could not find an account. Name was misspelled, dates of birth wrong, no Social number. Could not find an account. Now, on XX/XX/XXXX I received a collections letter and before I have time to go through it, I see on my credit report it is a collections reported. I call first the clinic that I supposedly owe money, and give my info and they said we don't have anything under your name. I give then, my child info and they say that yes, there is a balance due and it was sent to wakefield and assoc. for collections. I tell them my child had and has Medicaid. They gave me in the end an email where to send a proof of insurance. I called up the insurance and they said instead they will file a grievance. I then called up the collections and told them the story but the person on the line didn't seem to understand me and my spouse and kept saying it is better to pay because i see the insurance already paid a part. They don't understand that it is my son not me, and he has Medicaid. So they also said, they send an update to credit bureaus each Monday and if I paid next Monday they will send and update and delete it from the report. I paid, did not get a receipt of payment. They also charged {$6.00} fee. I did not approve all this time that this is my medical bill. I just paid to get rid of the report as per what they said. I then tried to call this collections company about the update they promised to take off the report, and no number is being answered, I am being sent to leave a voicemail. All this time, I did not have an option where to give the insurance number to anyone. Just to pay. Seems that a child having Medicaid can be billed. 
My grievance is in the works with the insurance but I feel I was misled by the collections in the way they handled and then not give me a written proof of what they said over the phone or answer my call to talk to a live person.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.