BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I disputed the above with XXXX and Source Receivables Management but have not received any correspondence. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for prior termination of my account. This is a XXXX time I am placed with a collection agency, at this point this is harassment. Prior collection entries was removed and XXXX placed me with another collection agency, with a balance of {$200.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for. I had only a pre- paid cell phone service with my own phone, no agreement, paid two months in advance and I called to cancel the service!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern, Rent Recovery Solution at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX has been reporting a account of the amount of {$1600.00}. The collection has been reporting inaccurate information. I do not know this company. I have never done any business or had any type of partnership with them. This company does not whole any legitimate contract bearing my signature. Below I have tried to communicate with this company to handle this matter and been completely left in the dark. 



1.On XXXX/XXXX/XXXX, I spoke with a customer service member XXXX, After speaking with him he tried to fine me in the system but was unable to verify information per social security number and phone number. After doing some research he mention to me that he was unable to find me in their system. 

2. On XX/XX/XXXX, I mailed 1 of 2 certified letters # XXXX XXXX XXXX XXXX XXXX. The front desk/receptionist for Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 

3. On XX/XX/XXXX, I mailed out a second certified letter # XXXX XXXX XXXX XXXX XXXX, as a follow up from my previous letter. On XX/XX/XXXX the front desk/receptionist from Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 



I have also reached out to XXXX who happens to be the one reporting this account on multiple occasions to validate the alleged debt information on my Consumer report. This matter has continued to be neglected. I never received what was requested of them. Below I have been keeping close track of communication timeline : 1. On XX/XX/XXXX, I mailed certified out USPS # XXXX. The front desk/receptionist for XXXX who is reporting ( Rent Recovery Solutions, LLC ) received a letter of concern to validate the alleged debt that your company is stating I owe. 

2. I have tried to call XXXX multiple times regarding the debt since the validation letters that I have sent are not being replied too. Every time I have called I've been placed on hold, transferred to someone that can't assist me with the matter or hung up on. 

3. The same applies for USPS certified letters : - Tracking # XXXX - Tracking # XXXX - Letter sent on XX/XX/XXXX Under the terms of the Fair Credit Reporting Act ( FCRA ), companies and credit bureaus have to prove that you owe a debt to list the item on your credit report. Since this matter is months over due I demand that this account be removed from all Consumer Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
Its about a credit dispute I never filed : I never filed a credit dispute with XXXX cause they had already charged the account as a write-off and it was going to be removed off my credit in due time. Now it has been put back on my credit report and will remain until 2024 when its been well over 7 years.

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 2019-01-29
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.

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 2019-01-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. 

LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. 

LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. 

Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. 

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: St John Rossin & Burr, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am requesting a verification of debt from this debt collector that continues to harass my family and I by making false allegations of erroneous amounts being owed. 

VIA CERTIFIED PRIORITY MAIL TRACKING NUMBER XXXX ROSSIN & BURR, PLLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX RE : Cease & Desist from Collections Dear ROSSIN & BURR, PLLC XXXX XXXX  : On XX/XX/2022, XXXX of your employees or agents contacted me on behalf of your company and claimed that I owe a debt to ROSSIN & BURR, PLLC LAW OFFICES, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under ACCOUNT & XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida [ XXXX ]. 

At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this inaccurate balance. This is the first allegation of any debt being owed via your correspondence on XX/XX/2022. I have never received a bill from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding any debt being owed whether expressed or implied. 

Your continuous harassment with letters & such conduct has caused my family and I to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort, defamation of character within our community and mental anguish. Not to mention our household has been severely impacted by hurricane Nicole and Hurricane Ian and are currently under a State Of Emergency in the State of Florida. 

Please take note that any future unsolicited forms of contact will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. 

I HEREBY DEMAND THAT YOU CEASE AND DESIST all future contact with my family and I and that you update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 



Very truly yours,, XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) Enclosure : VERIFICATION OF DEBT REQUEST

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There were several fraudulent charges from XXXX, XXXX and XXXX on my City XXXX XXXX Card out of XXXX XXXX XXXX XXXX XXXX, SD XXXX. The charges were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX and I did not make any of them. I was in XXXX these last 7 months ( overseeing my mom 's death, last will and testament /paperwork/inheritance ). I called them from XXXX, XXXX to let them know I had not made those fraudulent charges and asked them to close my account and dispute the charges. They said there would do an investigation, but in the meanwhile the XXXX charges were made even though i had asked them to stop and close the account. I thought the problem had been resolved and I just came back to XXXX XXXX XXXX, 2023... .just to find all these past months the City XXXX XXXX Card has been charging me with LATE FEE PAYMENTS and INTEREST CHARGES on the fraudulent charges I had disputed. I have called them 4 times these last week and they keep on transferring me to different departments that just give me the run around and have not resolved the issue in over 4 months. Also, every time I call I get XXXX representatives and it is super hard to understand what they are saying. It is very frustrating trying to speak with them. I should not have to pay for late fees for fraudulent charges I did not make. Every time I call them they transfer me at least XXXX different times to representatives who can not help me and put me on hold for long time at a time. No one has been able to help me solve this matter. They told me they had already removed the fraudulent charges, but they still want me to pay for the All i want is for the LATE FEE PAYMENTS AND INTEREST CHARGES. Please help. So far it has been a really pain in the neck just trying to communicate with them.

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 monetary relief
Consumer complaint received 2020-12-15
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I was let go from my job on XX/XX/2020 ( due to COVID-19 ), I informed all of my creditors about this. They all understood and informed me to let them know when I'll start having financial issues with payments. Bridgecrest is one of these creditors, and they have been harassing me everyday regarding payments. I have been able to make payments through the year, especially since I was receiving the extra {$600.00} in unemployment. After this extra amount expired, I was down to receiving only {$270.00} a week ( after taxes ). With this amount and my spouse 's income, we were able to make payments but were ignoring other bills, until XXXX. At this point, I did call Bridgcrest to inform them again that my financial situation again, but they seems they only cared about when I can set up a payment. I have informed them that I'm not sure as I have already informed them about my situation and will make payments when I can. Currently, I've made a payment to them but still receiving phone calls non-stop ( about 3 times a day ). My payment is 2 payments behind ( my payments are due bi-weekly, so equivalently to 1 month behind ). Each time they call I do explain to them hasn't changed and will make payments, even though the amounts will be the normal bi-weekly payment ( XXXX or {$450.00} per month ). They have been calling me numerous times a day about it and it's becoming annoying to where it's harassment. I did speak to a representative one day explaining the situation, but was upset ( my temper wasn't great ) and while in the middle of this, the rep hung up on me. 

I do understand this is a debt that I owe and know I'm behind on this. However, as mentioned above, I'm making the normal payments when possible and have been informing them that when my financial situation has changed, I will inform them and get things caught up. I have another car loan, with a higher payment amount, and they are fine with me being behind, as long as I keep in contact with them. Bridgecrest, however, feels that since their employees are back at work, and making the same amount of income, that everyone else in the nation is. 

I wish for them to stop contacting me constantly everyday ( even though I haven't provided them with a date of payment ), because explaining to them the same thing is ridiculous. I don't mind them calling me once a week or once a month, but not 5 times a day. 

If this continues on, I will consult my attorney regarding this and pursue charges on harassment. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-01-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 I purchased via my Wells Fargo credit card XXXX  program 2 one way tickets from XXXX to XXXX XXXX for {$300.00} XXXX. My points paid the balance. This transaction was done by telephone while I was on the XXXX   website with their agent. After confirming the flight and the ticket price displayed on their website with the agent on that website I agreed to the purchase. I was warned by the agent that once I agreed to the price and she hit the button there was no refund or turning back. I agreed and she proceeded. After about a two minute wait she returned and told me the price increased by {$190.00}! I was less than happy but needed the tickets paid. I then called Wells Fargo to complain about their bait and switch pricing and demanded a refund of my points. They assigned a case # XXXX but would not communicate in writing. I did not hear from them. On XX/XX/2018 I contacted them again # XXXX with no response. I followed up two weeks prior to this email, they took the info and promised to provide written resolution by mail regarding the complaint. Tonight XX/XX/XXXX I received a voice mail from the XXXX XXXX XXXX program, not from Wells Fargo customer care with a new confirmation # XXXX to call. I did so and talked to an agent, then her supervisor, then a company executive who after 10 minutes never answered So Im in a pickle! A Wells Fargo company investigating another Wells Fargo company, sending me from one to the other with no resolution and refusing to resolve in writing. Therefore Im hoping the USA government can assist

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 2023-04-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car for 10 days at {$410.00}, no insurance was taken out b/c my credit card covers some insurance. No liability taken out b/c my XXXXInsurance covers liability. rental started XX/XX/XXXX tp XX/XX/XXXX,. i returned it 1 day late on XX/XX/XXXX. 
XXXX  Car Rental i believe is a erman company, only communicate by email, hardle ever do they pick up there phone and never return calls. They supplied no responsesto my qwrvices uestions nor the Chase Visa requests for info. 
They used an email I dont look at often. I tried to pay the extra day, when i returned, but he didnt know,, " they will contact you ''. i assunnmed by phone or mail .... Plus there was a minor accident. So, i wanted to use VISA cardmember services too, i couldnt get any info fro m them,, it dawned on me in XXXX to look at my XXXX acct. 
there it was XXXX or more emails.. Wsell in 2-3 days w/ no response they were havinf an electronc fit, why didnt they juyst call? 

So, the extra day XXXX  was {$39.00}, and damage to3 scratches and a crack (? ). was about {$330.00}. By ther end of emails, they changed the extra 1 day rental to {$350.00}. with extra fees, late charges and 12 days of liability insurance at XXXX /day .. ( when the car was returned ) on XX/XX/XXXX. Who would pay for insurance at the end of a car rental?? The invoice for the FAKE EXTRAS is even dated XX/XX/XXXX. its obvious to me what thhey did, so i am willing to pay the {$40.00}, even wrote to them,,, but no answer. 
CHASE VISA, I think jumped the gun and before i could explain it to them in simple terms,, and VISA ASKED FOR ALL DOCS, so I sent 30 pages,,, And then they missed the point, got scammed the way people do, but its my money,, and its obvious ythey fraudulently changed the fimnal bill from {$40.00} to {$350.00},, so they could add there damages to my VISA and it was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX   XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}

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