vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received word from XXXX last year that my information had been accessed. I put a security freeze on my accounts. In the last two months I have received multiple scam emails which had my actual social security number on it and I forwarded those to the XXXX and the FBI. I have also had a collection account place on my report which is not mine! The Collection agency is XXXX. This is not my account as I have had a Fraud Alert on my credit since last year I do not know how this got placed on there and I have no knowledge of this account. Also, there are multiple errors on my report which I have tried to get removed such addresses that belong to my ex-husband, and my sister, and my daughters ' credit card accounts! There are also several credit card accounts that are reported twice and should not be reported as they are because I filed bankruptcy in XXXX of 2013! The public record accounts that are on there are shown as derogatory when in reality those accounts are where I set up payments with the IRS because I could not pay all of my taxes at once so I called the IRS before the filing date to set up payments and they agreed. I filed a dispute with XXXX and Experian and they removed the wrong information for a little while but it was placed back my file. Overall, I want the XXXX collection account off my account as it is absolutely not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are XXXX inquiries on my report, XXXX from XXXX XXXX, which should be coming off this month and XXXX from XXXX XXXX, which I did not authorize? That too should be coming off soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and it can be viewed as unethical and perhaps this is not the XXXX time this has occurred.. All three credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is refusing to delete an account that is older than seven years, and that is reporting inaccurate information, I was never late in XXXX of 2016. I consolidated my Department of Education loans with XXXX Loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Per the previous response to the CFPB, Experian agreed to remove all unverifible names from my credit report, to include any item not subject to correct information. In order to continue supporting corporate injustice, they have still refused to remove unauthorized names. Experian operates a service that verifies names and social security numbers, and after certified letters, and complaints through the CFPB, they have refused to remove the unverifiable name. In the operating of that for sale product, they are within the capacity to correct this information. No creditor, or lender or any other entity has the ability to create a name that is n't verifiable through name, social security number verification. My complaint is that in their response they agreed to remove the name that is n't verifiable to my social security number, but to allow unauthorized entries on my report, to include a lot of unauthorized inquiries, they have failed to do this. This practice is common, experian which i can prove, stated that they verified XXXX individual items with the creditors and refuse to remove, until i as a consumer threaten the lenders directly and they all were removed. The game around the statue, is when the consumer disputes online, they refuse to investigage after one dispute, but if the consumer writes they state that they do, but actually do n't. Experian dispute process is outside of the united states, and therefore ca n't be truly a dispute process. 

Experian XXXX XXXXName : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As : XXXX-This is the name not verifiable with social security number, deliberately by the social security administration. 
- XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Report,XXXX when I went online to get a copy of my FREE rejport I put my information into the system several times without success, even thought I know for a fact that I put the information into the website correctly it would n't let access the information. I had to call a number which told me to To call a number and say my name and address, and it would be mailed to me in the next few weeks are you kidding? I need the information for something with my attorney. Then when it finally arrived I received a letter that said they are going to charge me {$8.00} for their error??? this was puzzling. This next thing is very important and needs Consumer Finance Govt. to look into why they are allowing this to happen when we are having such a FRAUD problem with reports all over the world ... 
XXXX This phone numbers have Absolutely nothing to do with the very sensitive information that is connected to our reports and should IMMEDIATELY be removed. When you call them the start telling you about gift cards and XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
When I was a XXXX in college, my identity was stolen and used to purchase properties with what the FBI called " straw mortgages '' by XXXX XXXX and XXXX XXXX. They did this to several people and you can google their names to read about the federal case. GMAC Mortgage was one of the mortgage lenders who gave me ( an XXXX year old working part time who claimed $ XXXX on her last tax returns ) a loan without properly verifying my identity or my ability to repay. After several years of fighting my case with both GMAC and the credit bureaus ( not to mention the thousands of dollars spent on my legal fees ) GMAC finally consented on XXXX XXXX, XXXX that this loan was not my responsibility and they would, " have the credit reporting amended and remove your involvment with the loan servicing activities. " Subsequently, they sold this loan to Ocwen Loan Servicing. Since then, I have been harrassed to pay off this debt. When I first discovered they were negatively reporting to the credit bureaus and mailing my parents threatening statements back in XX/XX/XXXX, I contacted the company and provided them my current address as well as all the documentation from GMAC stating that I was n't responsible for the mortgage. They removed the negative credit lines. Then in XX/XX/XXXX they started reporting negatively on my credit again. During this time period, they continued to mail statements to my parents address multiple times a year. Again, I contacted the comopany and provided my current last name, current address and verification that the trade line was n't mine. On XXXX XXXX, XXXX Ocwen sent me a letter confirming that they acknowledge the loan is not my responsiblity. This letter was sent to my correct last name and address. However, to this day my parents are still forwarding me bills and insurance statements mailed to the incorrect name to the incorrect address. Besides the fact that they 're mailing personal information to the wrong address after being provided the correct one, I do n't feel like I should still be receiving statements for this loan at all. It was not my responsiblity. I have nothing to do with this house or this loan. I was a victim of identity theft. It has been 11 years now and cost me thousands of dollars and I 'm still fighting this because mortgage lenders were too greedy to properly verify income or ability to repay so they gave an XXXX year old college student hundeds of thousands of dollars in a mortgage. 
I want my name to be removed from this loan file and I want any future correspondence to be mailed to the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
Fist Advantage was hired to do a background check on me by XXXX 's ( XXXX ). They falsely reported that I was convicted of a felony. After numerous lies being told to me and multiple dispute " tickets '' opened they say that they have updated XXXX yet I am still being told that they have yet to hear. This is costing me financially. If they would have cleared up a honest mistake from the start I would n't be this frustrated but due to the gross negligence of their " investigation '' team I am suffering. As a " background check '' investigation company they should be able to see these things. I had to walk someone named " XXXX '' ( ext XXXX ) through the county website to show him that I do not have a felony on my record. It is all public but their incompetence and negligent team could not figure this out. I feel like they should reimburse me for time lost but I doubt this will happen until the court is involved. I am certain that I am not the only one who has been harmed by their practices. Please let me know what actions can be taken to prevent them from mistreating anyone else and help to resolve this ongoing issue. They continue to lie to not only me but my HR representative. They will say anything to get people off of the phone and lie about actions being taken to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PREFERRED CREDIT INC
State: OR

Complaint narrative:
Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I entered into a 36 month lease for a Acura MDX at {$500.00} per month. Included in the lease was the Ohio sales tax of {$1200.00}, which was amortized over the life of the lease in the {$500.00} payment. On XX/XX/XXXX I extended the lease XXXX months, and was required to make an up front payment of {$190.00} for the Ohio sales tax on the extension. As the {$1200.00} sales tax was amortized over the original lease term, my payment should have been reduced by the portion of the {$500.00} going to pay off that obligation, that amount would be approximately {$36.00} per month. 
When I called Acura Financial Services I was told they would not correct this inequity. 
My last conversation was on XX/XX/XXXX with XXXX XXXX who told me they would do nothing for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Galaxy Capital Acquisitions, LLC
State: GA

Complaint narrative:
I filed a complaint earlier against XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Worldwide Asset Purchasing was also involved. I applied for a XXXX XXXX XXXX Credit card with a maximum of {$2500.00} in 2004. I was laid off and out of work for several years and also was out of work XXXX. XXXX XXXX XXXX sold the deb to Worldwide. I did n't even know I had a judgment on my credit report until Worldwide hired XXXX, XXXX XXXX XXXX, XXXX to garnish my wages some 6+ years after the judgment. Now the interest that has accrued has resulted in 5 times the amount I charged. I have supporting documentation to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XXXX I went into XXXX of XXXX, I wanted to trade in my XXXX that I purchased there almost XXXX years prior. I was having anxiety driving the SUV because it was too wide and I kept scratching it. I was always driving it to my medical appointments in XXXX and the parking garage was always a nightmare for me. 

I was diagnosed with a XXXX in XX/XX/XXXX and I found the SUV overwhelming. I had XXXX so I thought that a XXXX would be easier for me XXXX XXXX. Of course I know sales people are there to make money. And they did make plenty of money off of me. I was at the dealer for over XXXX hours. I was in a total state of XXXX, I could not even remember the terms or the pay off, and the downpayment amount they were contributing with via promotions kept changing. 
I just knew I could no XXXX XXXX the SUV and I had to get a smaller vehicle. I had no choice. I had to feel safe driving. 

I called and emailed them several times to let them know that the lease/loan that I received from them was causing me a great deal of anxiety and that I felt very confused about the lease. I had never leased a vehicle before. I continued to be confused and have major XXXX. So I called again to see if there was any way to purchase the vehicle because I did not want to pay {$830.00} a month for a vehicle I would not own. 

Since then my medical XXXX has become worst. I can only work 3 days a week. I was diagnosed with a XXXX and I also have a XXXX called XXXX It is when your body makes too much XXXX and it gets trapped in the XXXX and causes XXXX. The XXXX builds and affects every part of the XXXX. Major side effects are XXXX, XXXX, XXXX, XXXX. I feel this is a huge reason why I just did not understand the loan/lease situation. I just knew that I was so freaked out driving the SUV. So I was very very confused and overwhelmed and they kept me there for XXXX hours. It is documented that both my diagnosis affect judgment and can cause great XXXX. I have all the medical documentation as well as all the XXXX and XXXX and XXXX that I have had to endure. This diagnosis has created a lot of stress in my life. I tried to get help from XXXX but they ignored me. And I feel this is a very serious and unique situation. I am also on a medication the controls the XXXX fluid, however the side effects also cause XXXX and easily confused and overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I had a XXXX month lease with Honda Financial which was paid on time, every month. The lease was opened in XXXX XXXX and closed XXXX XXXX. Due to my real estate business, I had to declare personal bankruptcy in XXXX XXXX, a full XXXX months following the end of my lease with Honda. By their own admission they never closed out my lease and put my account into their bankruptcy dept. I, however, NEVER included Honda Financial as part of my bankruptcy petition and the account should have been closed as paid, satisfied, on-time as of XX/XX/XXXX. My credit report prior to my filing showed the account in good standing. After filing my bankruptcy, again, in which Honda was never included, the account is now showing as " closed-derogatory '' and included in bankruptcy. I have contacted Honda multiple times and even have a letter from them stating that my account was paid, on-time and closed in good standing as of XXXX XXXX. However, when Honda Financial reports to the credit bureaus they are still reporting the account in bankruptcy. It was fixed and then they reported in XXXX XXXX ( not sure why since the account is " closed '' allegedly ) and it is back to being reported derogatory and in bankruptcy. I have spent countless hours trying to get this corrected, to no avail.

Company response to consumer: Closed with explanation