Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.
Complaint sub-issue: Debt is not yours

from XXXX of XXXX to XXXX of XXXX, i lived at XXXX XXXX in XXXX arizona. my address was XXXX XXXX XXXX XXXX. i signed a 1 year lease, lived there 1 year, and moved out. now, XXXX   claims i owe them {$1300.00} dollars. it is now in collection by hunter warfield, XXXX XXXX   XXXX XXXX. XXXX florida, XXXX, XXXX i do NOT owe this money. it is a made up bogus debt, period, full stop. i satisfied the lease with XXXX, and left the apartment in the EXACT same condition as when i moved in. there is no possible way for me to owe XXXX, and now hunter warfield one single penny. impossible. if anything they owe me cause i never received my security deposit back for leaving the apartment in perfect condition. i called hunter warfield in XXXX on two different occasions and told them this is a bogus made up debt. that i do not owe it and i will not pay it cause i do not owe it. i explained to them that i will soon become homeless and this bogus made up debt on my report is causing me to be disqualified whenever i apply for an apartment before that happens. they then became very rude and nasty with me on the phone both times. i also disputed this bogus debt on XXXX XXXX and they are now claiming that this debt is accurate. IT IS NOT. i do NOT owe this money. period. and hunter warfield is attempting to collect money not owed, from a sick, XXXX  old man struggling to get by on XXXX once a month. hunter warfield, as well as every living breathing american must be made aware that hunter warfield attempts to collect money not owed, and that they have very rude and obnoxious employees answering their phones.
Complaint sub-issue: Account status incorrect

The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
Complaint sub-issue: Information is not mine

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Complaint sub-issue: Company closed your account

I opened a city priority account which requires a minimum Balance XXXX to avoid the monthly service charge, I was told by a banker that they would be able to transfer my brokage account that has a balance of XXXX, the process never happened that way, i initially opened the account with XXXX dollars but it was closed and i was charged XXXX dollars for each month the account was never in use as i was waiting for the transfer from the banker I spoke with, at this point i would like to get a refund of all my fees that equal to XXXX dollars was told that of the account was open they would be able to give me the cash but because it was not open that they would not be able to i am hoping that you can get involved to help thank you
Complaint sub-issue: Was not notified of investigation status or results

My problem is with Equifax. It is over many months that they refuse to correct MULTIPLE items on my report that have significant adverse affect to me for NOTHING that I did. I have 3 separate accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) that report me as 60 days past due. It is IMPOSSIBLE. They should only be 30 days and they are CURRENT now. They refuse to delete a collection despite multiple notifications and email from the collection agency to delete the account. They are showing another account ( XXXX ) as having a 60 & 90 day late payment in XXXX when it was IMPOSSIBLE. In addition they are impossible to get on the phone, when you do connect they are rude, dismissive and obviously of no help. Whenever I do try to get a resolve I get a monotone response that it is you must wait 30-45 days. My concern is this could go on for 9 months until it is corrected and at an expense to me. I am being held accountable for NOTHING I did wrong and at a time that I need this to report correctly.
Complaint sub-issue: Account status incorrect

Discover been making life unbearable for me. Limit was {$1600.00} and payments was made. They keep reporting inaccurate balance which is really messing up my credit so bad. Ive tried to resolve issue with them but they not having it.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Don't agree with fees charged

Despite XXXX separate written inquiries to the creditor ( National Collegiate Trust ) and to debt collectors it has apparently retained, the creditor refuses to explain charges on an itemized list of charges and credits that bear no relation to the principal or interest. Each time I request this information, the creditor retains a new debt collector rather than provide the requested information. As the charges in question ( see, e.g., " Forward Fee/Gross '' charges on Transaction History in the attachments ) bear no relationship and as the creditor can not explain the charges, I believe that the creditor is seeking payments to which it is not entitled. The improper charges caused me to fall behind in payments, adversely affecting my credit. 

Additionally, it appears that National Collegiate Trust ( NCT ) is seeking double recovery as they have concurrently engaged the services of XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, XXXX. for the same accounts. Despite my written requests to NCT, XXXX, and XXXX XXXX, I have received no confirmation that only one agent is working on behalf of NCT to recover these funds.
Complaint sub-issue: Other problem

On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

Please help!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have a debt with XXXX which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows Equifax has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX  XXXX
Complaint sub-issue: Other problem getting your report or credit score

One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.
Complaint sub-issue: Information belongs to someone else

After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.
Complaint sub-issue: Didn't receive notice of right to dispute

Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX I have contacted XXXX multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked XXXX for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts XXXX XXXX XXXX Account number : XXXX -XXXX Account number : XXXX -XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX CO XXXX XXXX XXXX XXXX XX/XX/2021 Equifax I have the same complaints regarding Equifax, the accounts and inquiries are listed below : Accounts : -XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : EQUIFAX MORTGAGE SERVICES request by XXXX XXXXXXXX XXXX XX/XX/2021 EQUIFAX MORTGAGE SERVICES request by XXXX XXXX XX/XX/2021 XXXX
Complaint sub-issue: Trouble with how payments are handled

It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.
Complaint sub-issue: Account information incorrect

Today, on XXXX, Equifax report a missed payment that resulted in a 19 point drop in my credit score. Upon searching my credit report, there are no missed payments and haven't been for a long time now. My repayment has been impeccable for years. They have not done anything about this and furthermore, no one can seem to find out why this happened. It is deeply disturbing how these credit bureaus operate, without accountability, strong-arming people into purchasing subscriprions, and literally ruining lives with spontaneous, ambiguous score manipulations. These are private business es that literally take advantage of everyone. They operate with impunity and are NEVER held accountable for their actions. Consider this, did you know that once a credit bureau knows that you're applying for a mortage and generally working systematically at paying off your accounts and settling that they unearth your charge-offs and sell them to collection agencies? Yes, and then these collections suddenly pop up out of nowhere asking for money because they figure you have some now and then boom, your score has just dropped yet again because of these newly purchased accounts. And this will continue to happen until you pay off all of your charge offs. Fine, I'll pay what I owe, but a ) the credit bureaus are not being upfront about doing this, b ) it deincentivizes settlement agreements ( and even any payments, really ) and c ) it's super-underhanded, opportunisitic, parasitic, evil, and inconsiderately timed. Not only that but consider poor people trying to fix their lives! Of course, these bureaus make their REAL money off of the agencies they sell your data to, not us. They couldn't care less about us, but they certainly want to act like they do. You think XXXX  is bad, just imagine all the data manipulating that these bureaus have been engaged in for years. Equifax, if you're going to pull this, at least be upfront and at least give consumers a change to pay off some accounts and perhaps furnish them with ways to pay off their charge offs piecemeal, without having to devastate everyone. Try not to keep the poor down. And try not to kill someone's score in obscurity so that they can purchase your memberships. Surely if we were to do the research, it would be those who hold your memberships who experience less arbitrary score drop surprises. Please fix my score- I have no missed payments.
Complaint sub-issue: Information is not mine

all credit agencies reporting id fraud account that not mines .... '' child support and XXXX '' ..and outdated reporting infor since 2000 over 16yrs old and continue to refresh data/ date
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017 XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$3200.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX account XXXX XXXX have 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
Complaint sub-issue: Frequent or repeated calls

True Accord has violated my rights. 

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Complaint sub-issue: Debt was result of identity theft

A former employee had access to my computer and opened an XXXX XXXX XXXX account in my name about 5 years ago or so and charged some parts to the account and I explained this to Jefferson capital debt collection service. I also told them I do not have any contract with them and they had no right to access my credit report and report anything on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

About XXXX of last year I attempted to get my credit report through XXXX I had trouble getting my credit report from any credit reporting agency. 

This year, around XXXX, I tried again. I received my XXXX credit report and noticed that the social security number being reported was incorrect. I then called and told them the error and they were very helpful. They fixed it in a few days and sent me a new credit report with the fix. 

I then tried to fix it with XXXX and online but was told I needed to send in a copy of an ID and my SSN card for verification. I sent my letter and copies to them XX/XX/XXXX. I called them in a week or two and was transferred to a representative who was able to make the fix. I received a new credit report with the correct SSN. 

I also tried to fix it with Equifax. I was also told by them to send in a copy of an ID and a copy of my social security card. I called them in two weeks and they told me I could not see the progress of my investigation. They told me to wait for 30 days for a resolution. I waited and received a letter in the mail. The results of the investigation said " the worker ID number is issued by the social security administration for work purposes only. The number is not issued by the social security administration as a social security number ... contact the social security administration concerning changing/updating the social security number currently reporting on your Equifax file '' ( document attached ). 

On XX/XX/XXXX, I reached out to the social security administration and they confirmed that the social security number on my card ( although for work purposes only because I received it through XXXX ) is my social security number. I think the Equifax employee must have mistaken it for an XXXX, regardless, it is my valid social security number. 

I reached out to Equifax the same day and they said the dispute was complete and I would have to submit a new one. I tried logging in online to submit a new investigation but I was unable to, rather I would have to send it though mail again. 

I have already sent in the required information for them to be able to fix the incorrect social security number that they have.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX or XXXX XXXX : Dispute missing information from XXXXEquifax. ( scanned and sent Certified mail ) Dear Sirs, Attached is myEquifax credit report SSN last four **** with missing information that can not be disputed online for unknown reasons. 
Included are my driver 's license so you can correct my date of birth to XX/XX/XXXX and my name from XXXX XXXX to XXXX XXXX XXXX XXXX My Social Security card is provided so you can match it to XXXX report with SSN last four **** included. 
I have provided my XX/XX/XXXX XXXX XXXX credit card statement so you can add my Apartment number # XXXX to myXXXX report. 
Please provide a copy of my corrected credit report within 14 days when you have corrected all three ( 3 ) my name, date of birth and address, as I have been denied credit recently. 

Sincerely, ================================== XX/XX/XXXX Dear CFPB, I send the Letter to Equifax on XXXX XX/XX/XXXX, certified mail XXXX XXXX XXXX XXXX XXXX, and Equifax received on XXXX XX/XX/XXXX because Equifax did not send a credit report on two previous requests XXXX 

I requested my credit report my mail and to have my name, date of birth, and apartment number corrected online, by mail since I can not get thru the phone line at XXXX or XXXX because after answering all the questions on their phone system it does not connect me with a person to check on my dispute. I included myXXXX report online with the missing and incorrect information to correct my name, date of birth, and missing apartment number from XXXXEquifax report online.