BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX, I made an offer to purchase my first home. With the offer I wrote an EMD check to put toward the house. On XXXX XXXX, someone attempted to forge a check with my exact signature as the EMD check that I wrote for the house and had the next check number as the previously written check. 
In the first week of XXXX XXXX, I began to receive emails from the title company I was supposed to close with. I questioned this person and called the number that was given at the bottom of the signature to make sure this was in-fact a person that worked there. The company confirmed that she did and I proceeded to communicate with her. She continued to email me about the closing through out the month leading up to the closing date. I was supposed to wire my money XXXX XXXX, but I did not receive a final number yet, but I did receive a wire transfer form from my realtor. The next day, on XXXX XXXX, I received a wire transfer form from the fake person that was pretending to be the title company. I did not know at the time that she was not who she said she was. I looked at the form she sent, and the form my realtor sent the day before, and they were identical, except the account and routing numbers were changed. I questioned this with the realtor 's email address that was CC 'd on the email, which this address was also fake, and that person reassured me that everything was correct. That afternoon I wired the money to the account that I thought belonged to the closing title company. The morning I was supposed to close, XXXX XXXX, the fake person emailed me stating the closing had to be postponed, and she knew what time my closing was. During the closing process, it became known that the money was in-fact not wired to the correct account, and was wired to a fake account. I quickly called the credit union that wired the money to to a wire transfer recall. They were able to recall half of my wired money. I initially wired {$40000.00} to the fake account, which was at Wells Fargo bank ( they did nothing to assist me in getting my money back or freezing the account. I am not even able to find out if they have an investigation into this fraudulent activity ). The credit union was able to retrieve {$20000.00}. That same say, I filed a police report with the city that I reside in, to possible get resolution to this matter. I have also been in contact with an attorney and she believes that this is an inside job at either the sellers or buyers realtor company ( XXXX XXXX XXXX, XXXX XXXX respectively ).

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 2019-05-11
Company: ECMC GROUP, INC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. 

I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. 
documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.

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 2021-05-11
Company: United PanAm Financial Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against United Auto located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, United Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reviewed my credit report and XX/XX/XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XX/XX/XXXX doesnt report anything while XXXX and equifax reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? Equifax says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XX/XX/XXXX has incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Comments are all different. Date last active all differ XX/XX/XXXX incompleteness experience has XX/XX/XXXX and equifax has XX/XX/XXXX. Last payment all differ XX/XX/XXXX incompleteness XXXX incompleteness and equifax has XX/XX/XXXX. 
Second XX/XX/XXXX XX/XX/XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy in XX/XX/2018 but XXXX XXXX was able to still foreclose on my home and take my property in XX/XX/2018. I dont know how they were able to bypass the bankruptcy and take the house XXXX My servicing company was Ocwen and then when it sold in XXXX XXXX XXXX bought the property on the sale date. There is 2 dates XX/XX/2018 and XX/XX/2018. Both dates are in the system. Property address is XXXX XXXX XXXX XXXX XXXX Ca XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft and discovered a fraudulent XXXX   account that had been opened up in my name with my social security number on XX/XX/XXXX. The account had an outstanding balance of {$970.00} that was reporting on my credit reports. I called all of the credit bureaus and ultimate had the account successfully removed from all three of my credit reports. When I called XXXX about the account they told me it had already gone into collection and that it had been sold to EOS CCA, a debt collection agency and that I should call them to file a dispute on the account. I called EOS CCA on XX/XX/XXXX at XXXX to file my dispute. In order to file my dispute I had to give them all of my personal information in order to file my dispute. They originally only had my name and social security number with an address that was not mine and no phone number. I had to give them my billing address and personal phone number in order to file my dispute. They said they would be sending me a " fraud package '' with more information with the information I would need to send them to help with their investigation. I still to date, as ofXX/XX/XXXX, have received not " fraud package. '' However, I have recieved several phone calls and a bill in the mail for {$970.00}, telling me that I owe this on an account. There is no mention of the dispute I filed, and they never had my billing address until AFTER I filed a dispute with them, but instead of sending me a fraud package they went ahead and just started billing me for an account that was reported to them as fraudulent. When I called EOS CCA after receiving a bill in the mail on XX/XX/XXXX the customer service representative, by the name of XXXX, told me that they had not processed my dispute correctly, yet somehow they managed to update the account info with my personal information so they could try an collect on a debt that I never incurred. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I tried to deposit {$1000.00} USD from my bank account to Binance.US. There was no confirmation of a successful deposit ( either through email or Binance.US ), so I tried to make the same deposit again, and still no confirmation of a successful deposit. I check their support page on how to see if a deposit was successful using this link : https : XXXX. When I follow those instructions, my transaction history shows nothing for deposits, so from that I am under the assumption that no money was actually moved, and I decide to deactivate my Binance.US account because I decide I don't want to use that platform. 


On XX/XX/21 I see two pending transactions on my bank account : two {$1000.00} withdrawals from Binance.US, despite receiving no indication of a successful transaction ( described above ). 


On XX/XX/21 I see the two pending transactions are now posted, meaning that Binance.US indeed took my money without giving me any confirmation or indication of a successful transfer. Trying to get in touch with support to reactivate my account with them so I can attempt to withdraw the money and send it back to my bank and nothing so far. From reading other testimonials, it takes weeks or even months to even hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit

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 2017-10-30
Company: CONGRESS COLLECTION CORP
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Diversified Consultants, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

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 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
As of XXXX I was told I was not able to get my monthly payments lowered & would have to start making Payments toward my loan of {$160.00} or more. Until I begin school in XXXX I would have not been able to defer my payment if I was not taking another course. I am a single mother of XXXX living in my home and I am not able to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Multiple accounts have been opened or have tried to be opened in my name. 

List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. 

( From XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CarMax, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter Finance and XXXX XXXX XXXX are in violation of identity theft. I currently pay {$420.00} to Exeter Finance and this company doesnt have my physical title on hand when it was needed. The document attached will show information that was shared with me as proof that XXXX XXXX XXXX has access to my private information.

3-302. HOLDER IN DUE COURSE.

( 2 ) the holder took the instrument ( i ) for value, ( ii ) in good faith, ( iii ) without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series, ( iv ) without notice that the instrument contains an unauthorized signature or has been altered, ( v ) without notice of any claim to the instrument described in Section 3-306, and ( vi ) without notice that any party has a defense or claim in recoupment described in Section 3-305 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX I have followed all of their policies, submitted tracking info, submitted documents, etc yet they have banned me. I even called up the bank to check my card etc and nothing was wrong on their side. I have appealed, etc yet I am not getting any proper customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: COAST PROFESSIONAL INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Coast professional via phone set up a series of XXXX payments of XXXX monthly for a delinquent federal loan as a representative of the dept of education. After the XXXX payment they have continued to demand mandatory official proof of my monthly salary via my workplace HR and all paperwork showing other financial aid payments as well. Given this demand as I had yet to provide it they said I could not be in their repayment program. ( I TAKE IT THIS MEANS A MUCH LONGER OR NO TURNOVER TO THE DEPT OF EDUCATION? ). 

I have asked twice for a written copy of this " policy '' and was denied as they supposedly ca n't send the contract out to me without knowing essentially my official gross bank incoming and outgoing cash. Her responses made no logical sense so my red flags went up. ( they also asked me details of my monthly spending - a backdoor approach to knowing my bank account ). I 'm still not sure why this is the case, but no debt XXXX prior to this have demanded this mandatory portion of the arrangement. 
Questions : XXXX. Is this official paperwork mandatory for me to supply to secure my loans being sent back to the dept of education? 
XXXX. If this is not mandatory, the agreed on amount and XXXX payments duration - is this legal to hold me in limbo past this agreed on time period? 


XXXX. In addendum to this not associated with this debt collector, is it legal and mandatory once a payment has been established to tack on administrative fees or a penalty fee beyond the agreed sum?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Biehl & Biehl, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Claim that we owe an extra {$210.00} on freight for a shipment from XXXX XXXX dated XXXX. 

On XX/XX/XXXX we contacted XXXX XXXXXXXX. Their last shipment to XXXX was XX/XX/XXXX which corresponds to our records and we have no outstanding balance with them. 

On XX/XX/XXXX we asked the collection agency Biehl & Biehl for a copy of the original invoice. They sent us an invoice from XXXX freight on a shipment from XXXX  dated XX/XX/XXXX. 

On XX/XX/XXXX we contacted XXXX. They show no write-off or past due amounts on our account going back to XXXX. 

XXXX Biehl & Biehl. Many complaints about this company regarding bogus XXXX shipping charges.

Company response to consumer: Closed with explanation