davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

this was an obvious scam and the bank refused to help at all the charges were about {$450.00}. 

I went to XXXX XXXX XXXX  on XX/XX/XXXX for a XXXXXXXX XXXX XXXX XXXX XXXX in my dogs XXXX XXXX ( this is considered normal evenup to XXXXXXXX XXXX XXXX XXXX ) ( XXXX is mydogs name she is a XXXX  ) the vet, XXXX XXXX suggested that I change my dogs diet to the XXXX XXXX. on XX/XX/XXXX she also introduces a new care plan that she did not introduce in office on XX/XX/XXXX. Which is to also take my dog off of XXXX  then to recheck values after she is off of all of her XXXX  after XXXX weeks.So because my dog had already received XXXX  and we were not told in the office onto keep her off of XXXX  on XXXX XXXX we proceeded to give her monthly dose when she came back from the vet on XX/XX/XXXX. Approximately XXXX weeks later we returned to the vet as per her care plan which was to wait for the XXXX  to come out of her system XXXX weeks + the XXXX of free and clear of XXXX  = XXXX weeks. We returned on XX/XX/XXXX which was just about XXXX weeks due to the vets availability. 
After I switched my dogs diet to the XXXX XXXX, her XXXX XXXX  levels and XXXX ( XXXX, XXXX ) levels quadrupled by XX/XX/XXXX. XXXX  was at XXXX on XX/XX/XXXX and she had no XXXX issues on XX/XX/XXXX and her XXXX levels on XX/XX/XXXX were at XXXX. Her XXXX and XXXX levels were normal essentially and after switching the diet to the food ( XXXX XXXX ) that the doctor prescribed which was " over the counter XXXX XXXX '' these levels skyrocketed XXXX to XXXX above the regular levels. 
I asked the vet why this happened. She then started to create and falsify medical records that said she had requested to have the dog follow up in XXXX weeks and that I am refusing medical treatment which is absolutely untrue. Over the phone she mentioned she had made a mistake and did not read the ingredients on XXXX XXXX  I have also attached her XXXX  with dates where it is clearly indicated that her levels have increasedThe suggested diet change consisted of 62 % fat which could lead dogs to XXXX. 
Essentially the vet prescribed the wrong diet to my dog which left untreated would have caused XXXX  I disputed a charge by the vet for my pet dog who claimed my dog needed XXXX  XXXX  and the dog did not. that is how it started however, she then asked me to come back again for more XXXX XXXX  after a change in diet which was not necessary I confirmed this with another vet. once i changed my pets diet she actually doubled my pets XXXX XXXX numbers and when I checked the new food she gave to my dog it was 80 % fat!!!! I called chase to dispute the charges and gave chase everything they asked for even a note from another vet saying she should not have given the dog an 80 % fat diet and they STILL would not charge back the vet. I have also attached an email with another vets opinion
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX In response from XX/XX/XXXX Experian, XXXX and XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX XXXX ( I have never gone by XXXX XXXX or XXXX XXXX XXXX XXXX I don't know who that is ) My Only and Correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please review all the other addresses and names off of my reports as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2022-12-07
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-23
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. (NY)

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PINNACLE RECOVERY, INC. (PA)

Hello, Pinnacle Recovery , Inc. has been trying to contact me via the mail and phone calls stating that they are collecting a debt. I would like them to cease all communication to me and be removed from all three major credit reporting agencies. They are trying to collect a debt that does not exist for XXXX XXXXXXXX XXXX Our account with XXXX is closed and we are working closely with them on modifying a Case we have with them. Therefore, Pinnacle Recovery , Inc is a third party that does not have anything to do with this and has no authorization to collect. 

I have sent all of their mailings back stating " These enclosed documents were inadvertently open by mistake. The enclosed documents, which appear to be ( A Collection Letter ), are not understandable, acknowledgeable, or recognizable under the penalty of False Personation and MUST be returned. The enclosure herein contains the aforementioned and misdirected documents ; as there is not enough information or knowledge disclosed to from a responsive answer, said documents are being returned forthwith. '' and " I do not consent to any third party intervenor to act as a power of attorney over any of my affairs. Cease all communications. '' According to 15 U.S. Code 1692cc - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

Pinnacle Recovery , Inc has not honored this law code and has created an Account # XXXX. I would like them to cease all communication to me and be removed from all three major credit reporting agencies. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

A payment was made to my student loan account through XXXX XXXX ( a payment vendor for XXXX XXXX XXXX ) on XX/XX/year> in the amount of {$100.00}. EdFinancial never applied this specific payment to my account. I notified EdFinancial on XX/XX/year>2024 that there is a payment missing from my account, and I have provided the payment transaction details to them several times through the online portal per the steps provided by the EdFinancial customer service representative. This payment is still missing and has not been credited to my account.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

The Fair Credit Reporting Act clearly states that all the information on a person 's credit report should be accurate. If the information on the credit report is not accurate then this is a violations of my rights under the Fair Credit Reporting Act for which I can claim damages in a court of law. 
On my credit report it is saying that I owe Conserve {$2200.00}. I do not owe Conserve any money as I have no signed contract with them. I am therefore asking conserve to provide me with the signed contract that I had /have with them showing that I owe them this money. 

There is no such contract and so converse should delete this information from my credit report immediately. A failure to do so will result in taking legal action to recover damages. 

Conserve needs to show proof or the reason why I owe them this debt when I had no signed contract with this company at any time. I don't owe Conserve or any other company any money.
Consumer complaint received 2023-08-23
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. (NY)

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX  [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: W&A Intermediate Co., LLC (AZ)

approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

XXXX Account Number : XXXX WAKEFIELD Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-08-23
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. (NC)

I have thoroughly reviewed the Consumer Credit Report that I obtained from your Experian, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. 
These inaccuracies have caused severe financial harm and have negatively impacted. 
my ability to secure loans and credit on fair terms. 

See attached documents.
Consumer complaint received 2023-08-23
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/2023
Consumer complaint received 2023-08-23
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. (GA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Went to XXXX on Vacation sent payment in XXXX XXXX  and they did not receive it?? I called and told them to take the minion balance out for my act to pay and they did not do it? When I came back they closed my Spirit Master card and told me it was too late to reopen it?? I paid the XXXX dollars I owed and then they told me they would let me know if I had to pay anything else?? But they did not stop and kept on sending me each billing cycle that I owed them the minimum balance so I went to the branch and was told XXXX pay it>I am not paying this if my account was closed ... they owe XXXX XXXX dollars for the card fee..I did not wasn't this account closed..as I use it for travel?? I reminded them that I the taxpayer saved them from insolvency and bankruptcy in XXXX  and have no right to treat me this way after 20 years of never being late or any problems from me!! They are a horror bank! BOFA is not consumer friendly I also was very sick for 3 years and had XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX other XXXXXXXX XXXX..They don't Care! I told them of this ... Thank you! Bofa Card # XXXX XXXX XXXX ... .Spirit
Consumer complaint received 2023-08-23
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. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the update or deletion of the following inaccurate items. Thank you. 
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