davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (OH)

XXXX   XXXX   XXXX  the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name  XXXX   XXXX   XXXX  )  To Whom it May  Concern and that of management staff This letter is being to you in response to a computer generated, entry, letter view by  XXXX   XXXX   XXXX   XXXX   XXXX  of the accounts for  XXXX    XXXX    XXXX , on  XXXX   XXXX ,   XXXX   and the information obtained stated that your companyAFNI #  XXXX  is handling this debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to NATIOANL BANK ACT, THE FAIR CREDIT REPORTING ACT, THE UNIFORMED COMMERCIAL CODE as well as THE FAIR DEBT COLLECTION PRACTICE ACT. This is a continuing effort and attempt to validate a Debt. Be advised that your claim is questionable and validation, proof of claim and lawful verification is demanded. This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act,   15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive   debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.   ( b   ) Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action   to protect consumers against debt collection abuses. I DO NOT HAVE ANY CONTRACT WITH AFNI AND I DO NOT WISH TO DO BUSINESS WITH THEM.
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I got a {$35000.00} private " signature '' student loan from  XXXX   XXXX  in  XXXX  for graduate school at   XXXX   XXXX   University. I had previously taken out other very small " federal '' loans through  XXXX   XXXX  for  undergraduate  school in  XXXX  -  XXXX  for which I attended a mandatory seminar covering all the rights, responsibilities, and provisions of student loans. This included things like, the debt would be forgiven if I die and there were provisions for forbearance if I should become unemployed or have financial hardship. When I took out the " signature '' loan, I was told that it was a  XXXX   XXXX  education loan like the others I had, but I needed a co-signer. My brother agreed to do that for me. After I graduated in  XXXX , I found out that this loan was nothing like my other loans. I could n't find a job and the only income I had was what I could get from   XXXX   XXXX  . The only " forbearance '' I could get was for 30 days and I had to pay {$50.00} for what really amounted to a 30-day extension, not a forbearance. Later I was told that even that option was no longer available and that there was no forbearance or hardship option at all. The only job I have been able to find since graduating with my  XXXX  is working in a   XXXX   XXXX   part-time for $  XXXX , which is what I do now. I have been paying on the loan since  XXXX  as an automatic deduction from my checking account. I am paying $  XXXX /month on an " income adjusted '' program when my net income is about $  XXXX /month. In spite of the fact that the payment is debited automatically every month and am not delinquent in my payments, my brother gets  DAILY  collection calls and letters from Navient. Then he calls me and is terribly upset, which is much more upsetting to me than it would be if they called me directly. The stress is enormous. I have asked how I can get him released as a co-signer and was told that I ca n't. They said my only option is to take out a loan with another lender and pay off my student loan. I now have to take medication for  XXXX  and  XXXX . My student loans are my only debts. I have no credit card debt, mortgage, or even a car loan. I now owe more than I originally borrowed. This is a nightmare.
Consumer complaint received 2017-04-20
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (NC)

L   XXXX   XXXX   XXXX   XXXX   XXXX   - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.
Consumer complaint received 2017-04-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (OH)

As a  XXXX  veteran, I applied for a mortgage loan through NewDayUSA for a property my wife and I have been renting for 5 years. From the very start, I was suspicious, because he asked me my race. When he ran my credit, he said it was n't sufficient after giving me my scores, which were  XXXX ,  XXXX , and  XXXX . I know this to be inaccurate, which I expressed to him. So, from there the harassment began ... I was constantly faxing the same documents over and over again to him. During the process, I had to prove my wife pays  XXXX  of our  XXXX  car notes. I provided proof she does, and had been for  XXXX , not to mention  XXXX  consecutive months of payments. All the payments were current!! ... with none being late 30 days or more. Truthfully, she would split some of the payments up, but it would all be in the same month. In addition, we had to submit her bank statements, showing the money was coming out her account. They also wanted us to contact the lender, and get a transaction history to sent to them. Please keep in mind, when they ran my credit, it shows the loan to be current, because my name is on the car loan. The purchase price of the home loan is {$60000.00} and my monthly income is {$3800.00}, so I was just FLOORED when he called me on  X/XX/2017    and said ... '' we 're unable to move forward with the loan ''. After meeting ALL the requirements, this is a slap in the face. I say this, because the underwriter 's reason for the loan disapproval was, my wife might stop paying the car note for some reason. THIS IS LUDICROUS!!!
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORO OC, LLC (FL)

The company called repeatedly stating they could help me to lower my payments, so finally I contacted them. They told me from the start, back in XXXX of 2017 that my monthly student loan payments could be as low as $ XXXX/month, and that after 15 years the loan COULD be forgiven completely. They told me I had to pay {$690.00} over 3 months to get the plan set up, and for some reason I understood part of that money was going toward my student loan, to show that I wanted to repay my loan, and to " bring my payments up to date ''. After they received all of the payments I learned that the total {$690.00} was just to pay them to process paperwork I could have done myself. But they led me to believe they had a special program, and it was the only way to lower my loans. Then they told me I would receive the information necessary to start my payment schedule. I received an email detailing how to access the navient web page to set up my payment plan. I could n't figure it out so I contacted them, and they told me I did n't have to pay anything against my loan! Instead, the $ XXXX/month payments were to keep them handy to " help '' me, to answer questions, and to refile paperwork next spring to re-enroll me in the " payment plan '' .When I mentioned that $ XXXX/month is NOT a payment, the guy went on to tell me how much money I owe and how lucky I am that they got my payment down to XXXX!! They also falsified my information, putting my family size at XXXX. They said they got my payments so low because they were able to prove I make below the poverty level for my state. They lied to me, and they lied about me. They filled out my paperwork, and did it while they had me on the phone. I assumed they filled it out correctly, and entered the information I gave them.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

hi my name is XXXX XXXX XXXX ; i have a continuous problem with my bank account with chase, i been dealing with this issue for two long ... in XXXX i deposited a total amount of 20 thousand before the year ended the bank cleared my funds the overall occurrence was due to a settelmnt for a law suite in the state of XXXX XXXX ... XXXX from there i do reside in the state of XXXX XXXX as well the refferianceibility of my current account is different due to i receive direct deposit from the state of XXXX XXXX due to disability.. 
from their i do n't have my account number but i have my replacement debit card number .... I 'm not sure if that could be sent but ill use phone number format inorder for you to refferiance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from there the association of what is the fluctuation with unnessisary garnishments, which innitially would of been the discrepancy i have put in claims and went through the process but, mainly my issue is within the relevance of my mother who is upset with me at the moment threw all of my property out and i ca n't get access to my bank in formation due to the inability for me to use my benefit card for an id even with a picture on the card as well I 'm unable to receive information from the bank because as well with is a discrepancy they wo n't allow even my personal brach with that incorporated with a receipt for state or drivers license id my mother threw out both ... XXXX from there what is applicability to how i could attain my information pertaining to what is route of your ability to locate my claim as well continuous extractions over 40 thousand would be relating my disability applicable checking account with direct deposite ... ..i also contacted the deposit insurance assessment fund and soon ill contact the inspector general.. first account refferianceable opened in XXXX ( XXXX XXXX the XXXX ( XXXX XXXX XXXX XXXX XXXX.. swell ... XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) ... ..from what information they provided me .... 
humbly I 'm extremely destitute as well homeless at the moment I 'm dealing with the XXXX. still and iwould be attempting a way to get shelter but due to the harassment i stay on XXXX XXXX ... what iwould like is an expedited way to get my money returned to me as soon as possible unfortuinitly my phone was stolen so i ca n't give a number as well an email i ca n't give because XXXX as well as XXXX so ill search for this contact number and once a reference number is given i would applly that or if not contact and inquire please help me as soon as possible thank you ...
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

I applied for and received a credit card from  Citi.  When I applied for the card, I added my son as an authorized user and informed the Credit Card  Company re presentative that he lived in my home state and we would be using the card to make purchases for a business venture to open a barber shop. After numerous attempts to use the card and having purchases declined, then speaking with  Citi fraud  department representatives to have it re-instated, I contacted  Citi ( in  writing and by phone ) and requested that they cancel the credit card as using it was a nuisance and constant disruption when contractors would show up to do work and the card would decline the purchase. I assured them that I have every intention of paying the card balance as I am very credit worthy. The representative from Citi told me that they would not cancel the card unless I agreed to speak yet again to a member of their fraud department and re-instate the card. To date, the card has not been cancelled as I requested. How can a credit card company force me to keep a credit card open?
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (LA)

XXXX   XXXX   XXXX  cell phone customer since late  XXXX  's, they went out of business and when they came back around  XXXX  I returned. I added another line in  XXXX  or  XXXX  maybe earlier had no problems while I lived abroad. When I arrived in  XXXX  and provided the phone to my aunt around  XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over  a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $  XXXX  due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against  XXXX   XXXX   XXXX  for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check!  XXXX   XXXX   XXXX  has listed this debt for the year  XXXX  when the account was closed in  XXXX ! I have had a similar incident with  XXXX   XXXX   XXXX  in  XXXX  via which I had business set up in my office building and my son had a  XXXX  which forced us to relocate to our home in   XXXX   for treatment and while  XXXX   XXXX   XXXX  promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (KS)

I will like to flile a claim against Navient in the amount of {$59000.00} for a debt of student loans! I would like Navient to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of Navients XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for Navient to reach out XXXX XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!