davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I acquired a Menards Big Card in the fall of 2019. The card advertised a 2 % savings each quarter. At least three quarters have passed and I have received no form of 2 % rebate, check, nor savings. I contacted Capital One, who issues the card, three times and they acknowledged the rebates have not gone out. I have asked them when I should expect to see them and each time they say watch the mail it should show up anyday. Months have gone by without any form of discount. Since I have not received any form of payment I would like to close the card, but before doing so I would like to receive what I have earned before doing so. All payments have been on time and paid via autopay. 

I am confident they have my correct contact information as I get a monthly email notification for my bill and a monthly mailed statement in my mailbox. 

Since I ultimately signed up for the card via a Menards representative and its an in-house card it would be nice if Menards would take ownership. I have been bounced between Menards and Capital One and it doesn't seem reasonable that the consumer should have to sort out the relationship they established with a promise of savings.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I believe someone or some people may have and or are using my social security number. I know this because times I would use my sss I was told my identity did match with what they had on screen this was at XXXX on several occasions. Also the last time I was able to review my credit it was bad which is wrong because I never used credit at all. So I would appreciate it I could get some help on dealing with this I know it has been long over do but I need to deal with this as soon as possible.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. Transunion sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I am submitting a complaint on Navient/Sallie Mae loan servicing due to several reasons. My original loan amount after consolidation from XXXX as reflected on their website was {$22000.00}. My current balance today, XX/XX/XXXX is {$98000.00}. I have called them numerous occasions to understand how my balance increased that much during a chapter XXXX bankruptcy period in which I was not aware of interest accrual and never received any correspondence of that fact. Prior to the chapter XXXX bk filling my loan was either in a default or forbearance status as I could not afford to pay the loan and the only options communicated to me was forbearance. My husband was XXXX in the military from XX/XX/XXXX-XX/XX/XXXX and I am not certain if during this timeframe there should have been some form of reprieve from interest accrual. The bankruptcy was filed after his return from the military XX/XX/XXXX due to financial hardship and his eventual unemployment. Every time I've called Navient to discuss repayment options that I can afford, they have been unable to offer an agreed upon amount that I can afford outside of a brief period in which I was paying {$69.00} for a 12 month timeframe after I sent a written note explaining my situation. Since that time I have been unable to obtain assistance in lowering the amount and due to the interest accrual don't see any reprieve or other alternatives outside of defaulting. While I did apply for income sensitive repayment plan, the calculations are based on your IRS tax returns which is misleading due to my husband 's XXXX XXXX. His income fluctuates and I am responsible for taking care of my family and paying household expenses. There is no way I can do that and pay the huge amounts they are asking me to pay on the current income sensitive repayment plan of {$930.00} for 12 months and {$1000.00} for 141 months thereafter.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (GA)

The services were performed at XXXX XXXX hospital that was in our plan. I called To have them code it correct for insurance company to cover. They did not change it therefore. It did not cover it due to their way of billing it out. All other services changed the way the bill was sent and it covered it. Services was performed @ XXXX  XXXX  which was in our Ppo ... but they show it as XXXX XXXX which is not in our ppo ... tried to get them to correct and they would not. Which resulted in them not getting paid by insurance. 
The reason insurance did not pay is because they show it performed @ XXXX XXXX & not XXXX XXXX. The other doctors that saw him changed the billing to reference they at XXXX XXXX  and the insurance paid.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BBVA FINANCIAL CORPORATION (FL)

I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (LA)

I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.
Consumer complaint received 2020-08-02
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-08-02
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

XXXX XXXX has a credit card on my credit for discover credit card I have a collection from XXXX XXXX company that dont belong to me on my XXXX XXXX report I have Fruad accounts on my XXXX credit report that dont belong to me and it is maken me get turn down from creditors I need all the accounts thats on my identity theft report to be block off my credit report
Consumer complaint received 2020-08-02
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)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX,. XXXX/XXXX XXXX XXXX  XXXX, XXXX/XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-08-02
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX,. XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (VA)

I sent two letters to RADIUS GLOBAL SOLUTIONS LLC located at XXXX XXXX XXXX XXXX MN XXXX regarding my alleged debt which they claim I owe belonging to " account number XXXX. '' In my letter dated XX/XX/2023, I requested a verification of the debt to be performed, along with a full investigation to be completed & reported on, to ensure that the efforts to collect the debt are 100 % correct. I sent this letter to them in response to their letter to me on XX/XX/2023. I stated that " I need to hear from you to make an informed decision about your claim that I owe this money. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' Since then, not a single update has been made to mark this account as being in dispute by the credit bureaus, according to a recent credit pull ; nor has RADIUS GLOBAL SOLUTIONS LLC provided any additional information. I still do not recognize this account and since it is a " Collections '' account it is severely hurting my credit score ; lastly, there is nothing to show on the account that it is in dispute, as I have requested. RADIUS GLOBAL SOLUTIONS LLC are legally obligated to report the account as in dispute or to order it be deleted from my record. I am asking that this account be removed from my record, please. See USPS Tracking Numbers : Exhibit A - XXXX ; Exhibit B - XXXX.
Consumer complaint received 2018-05-21
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: EQUIFAX, INC. (IL)

This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and Equifax .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. Equifax refuses to delete it. The collection company has sent me a draft that they sent to Equifax to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later. Creditor also says Equifax has never contacted about my account even though I have disputed it 7 times with Equifax
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

I opened a Carnival XXXX XXXX XXXX about 5-7 years ago, I paid off a $ XXXX balance about a year ago. I tried using my accumulated fun points, but on XX/XX/2021 I was told by " XXXX  '' the account representative that since the bank had closed my account, I had forfeited my fun points. 
I told " XXXX '' that such terms were not included in my original agreement, and she said " they don't have to, your account is closed. ''
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

I have a 2 fold issue with US Bank I have had a bank account there for many years.

Problem # 1 : they canceled my cash card and access to my accounts for no valid reason Around XX/XX/XXXX US bank, let one of their members ( im told, not even someone who should have been authorized to do it ) accessed my banking card, and randomly canceled my main bank card ( cash card ) I found this out while I was out for lunch at work and my card was declined.

I received no warning of it, no alerts, etc.

I called, and was told, they didn't know why it had happened but that they would look into it ... no manager was available, and I never received a call back.

I contacted a manager via email, who had previously helped me on another issue XXXX XXXX and asked for his help. 

He told me that, he cant see any reason why it would have been canceled like it was, but that he was not able to reactivate it and would send a new card, with new number, which creates more problems, as I have several things ( auto billed each month ) I went into the branch location in XXXX a day or 2 later and spoke with a banker there, who told me my card had been " hot carded '' but she didnt know why, and that she couldn't get my old card number corrected. 
I called XXXX back, Then during our conversation, he says that he can save me quite a bit on my current auto loan, I gave him some information as to what I owed on it, etc, and he said he would check it out and get back to me, and let me know if he would be able to save me some money ... Note '' I never gave him permission to run my credit '' I wanted to know what he could save my on monthly payments. 

I followed up with him a couple times, and he never returned my calls, a couple of days later, I see a hard inquiry come across my credit report from US bank, I made several more calls, several more voicemails to him asking him about my credit being pulled, and ive not heard anything ... still to date, I have not received a response, leading to my second Issue : # 2 Credit pulled without permission, no response to what took place, hard inquiry placed on my credit bureau. 
His contact information below : Officer | Branch Manager II p. XXXX | a. XXXX | XXXX usbank.com
Consumer complaint received 2020-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Experian has denied my request to investigate and remove the fraudulent inquires on my credit report.The continue to play games as if Its not me making a complaint when I have attached my documets multiple times and called and mailed them multiple times. this will be my final before I seek damages for blatant disregard for fraudlent items on my credit report I will seek damages under 605b 611 607
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (CA)

Speedycash deposit XXXX in my account and they said it will not affect my bank account so now I have a overdraft in my account it was at XXXX now it is XXXX overdraft they should be responsible for this not me there phone is XXXX XXXX XXXX name is XXXX XXXX ... ..
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AP)

I have two different account numbers with both being derogatory with no balance owed on either account. I sent out verification and disputed and the issue is still not fixed for 18 months. I still haven't gotten anything even with me giving my new address. XXXX and XXXX
Consumer complaint received 2019-09-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got an email from XXXX XXXX soliciting about a mortgage product. I asked her for the name of her brokerage, NMLS ID or real state license number. She said she will release that upon filling out a form where I'm to disclose my personal information. 

I'm sure she and her company are not licensed to do business in the state of California. 

I've attached the email conversation and the form she enclosed to be filled out.