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

Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.
Complaint sub-issue: Their investigation did not fix an error on your report

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 CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FOURSIGHT Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Information is missing that should be on the report

After doing several disputes with XXXX, Equifax, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX  failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership. 

Thanks.
Complaint sub-issue: Received bad information about your loan

In XXXX, I refinanced my Federal Student Loans serviced by Nelnet through a private lender called XXXX. My loans have therefore not been eligible for any of the pandemic payment relief, or the {$10000.00} student loan forgiveness. The XXXX website also clearly states as much. However, a couple things have come to my attention. Firstly, XXXX has altogether in XXXX stopped servicing new loans. Furthermore, it has come to my attention that Nelnet owns an equity stake in XXXX. It does not seem right to me that the same company owns and services my student loans, but has simply filtered them through another legal entity and therefore has made me ineligible for relief and loan forgiveness. I would be very grateful for any assistance.
Complaint sub-issue: Delay in processing application

Today ( XX/XX/2022 ) I applied for an Upgrade XXXX Credit Card from XXXX site. I was taken to Upgrade.com to complete the information for the credit card. After reviewing the information, I was not sure if this was a loan or a line of credit. I called at XXXX XXXX  XXXX to try to get more information on the terms and conditions. After reading the terms and conditions, I clicked the button to approve the application, however, Upgrade requires further information such as Tax Information and Bank Statements. This information is not readily available to the consumer before making an informed decision. 

Furthermore, I discovered the entire adversement on the XXXX website is false advertising, misleading and time-consuming. This is not a XXXX Credit Card and they do not report to XXXX XXXX XXXX or any of the major XXXX XXXX companies. The representative agreed Upgrade Credit Card is not a business credit card nor reports to business reporting agencies. She will submit to Product Escalation to look into XXXX site. I was advised that this information provided on their site is incorrect, will get escalated, and my application will be rectified. There is no known processing time for this request per the representative. The representative disconnected the line without providing adequate information for what to do next. After a 52 minute and 4 sec call, they never called back!
Complaint sub-issue: Not given enough info to verify debt

I am unaware when this debt occured. I contacted the company several time and even settled the debt with the XXXX party vendor whow stated it would clear from my account in 30-90days. It has been over a year. After numerous attempts of contacting the company, all I can think is that this is a scam or fraud. I have paid and have requested for it to be removed several times. I would like disclosure of verification of debt still owed.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX  XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from XXXX.
Complaint sub-issue: Account information incorrect

My student loan servicer Nelnet is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am XXXX XXXX XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from Nelnet, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Complaint sub-issue: Reporting company used your report improperly

i XXXX XXXX ASKED THE CREDIT BUREAU TO DO A PROPER VERFICATION OF MY CREDIT REPORT, THEY STATED EVERYTHING WAS ACCURATE, AND I DID A PROPER CHECK MYSELF. I FOUND INPROPER INACCURACY ON MY CREDIT REPORT, EVEN AFTER THEY DID THEIR VERFACATION RESEARCH. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXXXXXX 4.XXXX XXXX -- XXXX XXXX ACCORDANCE TO THE FAIR CREDIT ACT CONVERGING ACCOUNT HAS VIOLATED MY RIGHTS, 15USC,1681, SECTION 602,, STATES I HAVE THE RIGHT TP PRIVACY.

15USC, 1681, SECTION 604, SECTION 2, STATES THAT CONSUMER AGENCY CAN NOT BE WITHOUT WRITTEN ONSTRUCTIONS 15USC, 1681, S2, A1, A PERSON MAY NOT FURNISH INFORMATION RELATED TO ANY CONSUMER AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS IN ACCURATE
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Complaint sub-issue: Information belongs to someone else

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX. 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Information belongs to someone else

RESUBMISSION WRONG LOCATION WE WANT COPIES OF THE LIS PENDENS FROM XXXX MORTGAGE FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX XXXX  XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE BRC TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S BR RECORDS THE HOME WAS ABANDONED.XXXX TOTALLY VIOLATED THE STAY WILLFULLY! .WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE BRC INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the BRC Trustee XXXX XXXX XXXX citing no equity. Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME COMMITTING SUICIDE ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX HE COMMITTED SUIDCIDE OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THERE WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE STUPID? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY B-DAY ). I THINK THE BRC WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, ALDRIDE PITE, THE BRC JUDGE AND TRUSTEE. ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
Complaint sub-issue: Problem accessing account

This letter serves as my complaint against Citibank NA as it relates to client/consumer access to Citi.com. As of the date of XX/XX/21 Citi customers have not been able to successfully log onto the website located at www.citi.com at all. I contacted a Citi representative on XX/XX/21 @ approximately XXXX PST about the matter. Her name was ( XXXX ) with reference number XXXX and she indicated that she was a Tech 2 website support person. I contacted XXXX at phone number XXXX. XXXX indicated that the website sign-in issue was an on-going issue that Citi was well aware of since XX/XX/21 and that they were diligently working to correct the problem. She then indicated that she would call me back within 24-48 hours about the matter. As of XX/XX/21 @ XXXX PST, I still do not have access to log into my online banking account. Attached is a screenshot of what happens when a customer attempts to log into the website. I also never received a return call about the matter from ( XXXX ) as she indicated she would do. This is horrible customer service and this type of practice is putting customers is jeopardy.
Complaint sub-issue: Threatened to sue on too old debt

I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Since XX/XX/2022 The XXXX XXXX and associates have been contacting my Mother, Uncle and my daughters telling them that a company has filed a legal complaint against me and asking my whereabouts. I do not know what this debt is about and i want them to stop contacting them
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.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. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Complaint sub-issue: Was not notified of investigation status or results

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

I demand that the following account be verified or removed immediately