davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

Today I received a notification through My Fico that a new collections appeared on my credit report from the company " Vance & Huffman LLC '' in the amount of {$550.00}. I have never received a single written communication from this company. I XXXX  the company and found the company. They were able to tell me the last 4 of my SSN and my name with a previous last name but they read off to me an address that is not mine. The receptionist refused to send me any debt validation stating that if she sent me anything in the mail it will only be a notice that their office holds an account and how much I allegedly owe. The original copy she told me the debt was for, I have no idea who they are and I have never done business with them. It is my right as a consumer to be provided with proof of any supposed debt that I owe and the burden of proof is on the collector. This debt does not belong to me and is damaging to my credit report. I demand for this to be removed from all 3 credit bureaus immediately!
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX  XXXX is reporting an account on my Experian credit report that is not reporting on my XXXX or XXXX  credit reports. This account is negatively affecting my credit score I have requested Experian to remove this account several times
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

This complaint is in regards to a mortgage statement we received from our servicer NewRez LLC DBA Shellpoint Mortgage Servicing with a Payment Due Date of XX/XX/2021. 

XXXX. The statement shows the Payment Amount as {$0.00}. Why is the Payment Amount shown as {$0.00}? 

XXXX. What is the Attorney Cost Disbursement charge in the amount of {$350.00}? The only payment that we owe NewRez LLC DBA Shellpoint Mortgage is a principal, interest and escrow payment. 


The above referenced Mortgage Statement has a Payment Due Date of XX/XX/2021 but we did not receive this statement until XX/XX/2021.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (NJ)

Hello my name is XXXX XXXX and I am making my monthly mortgage payments to the company Loan DePot. I have been trying since XX/XX/XXXX to get a Loan Modification due to hardship. I was married and divorced in XX/XX/XXXX. Due to no longer having the additional income I advise Loan Depot I would like to modify my mortgage. I was behind in payments but I am currently caught up. My problem is that I feel the loan company is giving me the run around. I have submitted paperwork to them at least 3 times with them stating that I have missing information but I did submit all information they requested the first time, they even stated that my signature was missing and has me redo the forms all over again stating they dont mail back paperwork. So as of XX/XX/XXXX after sending the information for the 3rd time I received a letter from them dated XX/XX/XXXX that as of XX/XX/XXXX that all the needed paperwork was received and no further documents where due at that time if more paperwork was needed they would contact me within a month. Well on XX/XX/XXXX I reached out to loan depot inquiring on my status, well a few days later I received mail basically saying I need to submit all the paperwork all over again because the information I provided has expired. I have tried reaching out to them but when I get transferred to that department no picks up the phone. 
I just want to keep my home and I just really feel like they are giving me the run around and hoping I get to the point where I start making late payments again. I am trying real hard to stay current but I need help I need this modification.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (KS)

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$790.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$990.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$790.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definately money in the account to pay the balance. The XXXX payment I submitted payment for to my credit card in the amount of {$1000.00} was also returned as insufficient funds on XX/XX/21. I disputed this transaction of {$990.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$990.00}.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One Quicksilver credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than 400 % of those who hold the Capital One Quicksilver credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One Quicksilver credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One Quicksilver credit card it was on a larger than normal purchase of a few thousand dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful XXXX  with XXXX XXXXr XXXX and several XXXX XXXX. The whole point of getting this card was to be able to have access to a higher credit limit.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

i just knew this account on this month when i tried to applied a credicard but it was declined so i check my credit report.the credit report show the collection account was created on XX/XX/2020, but i didnt live in NC, im impossible been to the NC hospital.and i didnt received any statement bills, i dont know why this account created under my name.my brother lives in north carolina, his name is XXXX XXXX XXXX, its similar with my name XXXX XXXX XXXX, i dont have his SSN, i worked for him in north carolina couple years ago.please double check the information,
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba XXXX. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

I have been trying to get a collection removed from my credit going on four years now! Equifax and XXXX  refuse to remove it even though I sent proof of XXXX  XXXX  inconsistencies as I again will copy what is reported and what they receive not only that is is past the NH Statute of limitations for which is 3 years! The account was closed in 2016 which is 5 years as of this year! Equifax and XXXX  day they removed the XXXX XXXX account yet that is the account XXXX says is what I owe I have sent proof they they have said it was removed but yet it is still there!
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

To Whom It May Concern, I am seeking advice and/or assistance regarding my present situation with my mothers estate. 
I inherited the property in 2010. 
Found out about my mothers consensual loan during escrow. 
Loan company would not transfer the loan to me. 
They let me continue payments for my deceased mother. 
I removed my deceased mothers name from quit claim deed soon after that. 
I have been paying ( with no delinquencies ) since 2010. 
During that time, the consensual loan was handed off to different agencies and became a mortgage loan. 
The newest collection agency will not give me any information about the loan because they say they have no proof I am executor. 
I sent them documents at the beginning of their takeover of loan and again about a year later. 
They say they do not have them nor any record of receiving them. 
They have been accepting my payments until XXXX, which they have already cashed. ( Sometimes they cash the check extremely late in the month and Ill get a late notice ) They are now saying I ( my mother, actually ) am delinquent for three payments, XXXX ( which they have deposited ), XXXX and XXXX. My bank statement confirms all three payments were sent on time. 
When I receive phone calls from them or call them, they will only relay information to my mother, who died in 2010 and not to me. 
They have spoken with me recently trying to get the proof of executorship, but seemed to focus primarily on the deed. 
They insist I provide them with new copies of several items of paperwork which I have submitted in the past, twice. Especially the deed. 

I am now considering the possibility that they need these documents to legally transfer the debt to my name, and the possibility that, if they dont have any documentation on me, that I may not be responsible for my mothers debt after all, and that I may be relieved of further payments and, perhaps, even entitled to a refund of the payments I have been making since 2010. 

Can you please tell me if I am legitimately responsible for the payments? 
Can they take the property away from me?
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I placed an order in XXXX for extensions from XXXX XXXX. The item was damaged upon arrival I notify the company, they provided the shipping address. And I send the item back on XX/XX/220. I provided a receipt ( reg # XXXX ) to the bank on three occasions asking when will my refund be processed. And to date, I have not received my refund. My claim number for the case I open is # XXXX, I'm not really sure I'm comfortable making purchases using New York Community Bank if, my purchases are not protected.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

In XX/XX/2021, I contacted Freedom Mortgage in regards to a refinance offer I received via email. The loan officer on the phone took some information from me to start an application. I never got his name and did not hear from him for over a week. 

On XX/XX/2021 I called Freedom Mortgage again and received XXXX XXXX on the line. He said he could help me and proceed with the application. I believe he took ownership of my loan application at that time because I received a letter in the mail stating that I had withdrawn my loan application. I explained to XXXX XXXX that I did not want to proceed with the application if I could not use cryptocurrency as proof of funds should the underwriter require them. XXXX XXXX said it would be no problem and it " should be fine. '' Since XXXX I have not been able to get XXXX XXXX on the phone to discuss my loan application. Communication has been one sided where XXXX XXXX emails me generated emails to sign loan documents with no phone call or follow up on what he is sending or why. 

After several attempts of calling and emailing him I started calling the XXXX number for Freedom Mortgage. Still ... I could never get in touch with XXXX XXXX only random people who work the customer service line. 

Today, XX/XX/2021 I received a call from a woman named XXXX from underwriting stating that they can not accept cryptocurrency at all as a proof of reserves. That I would need to liquidate those funds into my bank account and provide a bank statement as proof of funds. I stated to XXXX that I had told XXXX XXXX from the very beginning that I did not want to proceed with the application if my cryptocurrency would not be acceptable as I did not want to ding my credit and waste time in the application process. 

It has taken near XXXX XXXX XXXX months to get a response from an underwriter who told me cryptocurrency isn't accepted AT ALL by Freedom Mortgage. As a loan officer, XXXX XXXX should be fully aware of this before binding clients into applications process that harm their credit long term. This is completely unacceptable.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Applied for a XXXX loan through XXXX XXXX. Before I submitted application I checked SBA guidelines dealing with deposits into personal checking accounts. There was nothing in the Cares Act of 2021, or on the XXXX XXXX website that stated sole proprietors couldnt use their personal accounts to receive deposits. Ive been reselling shoes for years and in XXXX I grossed a substantial amount from it. My funds were deposited on XX/XX/XXXX at XXXX into my Golden 1 personal checking account and was frozen by XXXX the same day. I spoke with Golden 1 and they referred me to their XXXX department. They asked for documents to prove I am a business ; however a-lot of the documents they asked for dont apply to me. They asked for XXXX XXXX XXXX, partnership agreements, state licensing and plethora of other things. I submitted my Schedule C, my EIN number ( even though as a sole proprietor it isnt required ) and docs from XXXX XXXX showing that it is in fact me who applied for the loan. They still have stated it doesnt prove anything and that theyll send my loan back to the lender. Now i may be liable for a loan that I couldnt even use, and it may not be forgiven because I couldnt spend it on what it was authorized to do. In addition Golden 1 doesnt even offer business accounts so their clients that receive these government loans are met with yet another barrier to overcome. I believe Golden 1 collects interest on our money so not only are they refusing to release funds but they are capitalizing from it and i believe they may be creating these rules to launder money. I think somebody needs to take a deeper look into how golden 1 conducts business because it isnt right.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (MO)

Hello, I attented XXXX and after transferring to the XXXX XXXX XXXX  in XXXX, Williams and Fudge contacted me and said that I owed them {$1200.00} on XX/XX/2020 through my phone number and personal email, which I never gave them access to, and I thought that this debt was valid so I had set up a payment plan with them but as I am a student I was unable to keep up with the payments, The company then continued to harass me constantly to continue to collect the debt.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Im a new customer at citibank so my acxount havent have money yet. I deposited a check of 2000 in on XX/XX/XXXX. On XX/XX/XXXX they closed my account, i couldnt go online, then i called, they said the check look counterfiet but yet on XX/XX/XXXX they withdraw money out of the issuier account. When i called them they asked me the phone number of the owner of the check to verify, but after all they couldnt verify it. I asked did they call they said they didnt call because the phone number wasnot under the issuer name but her husband name. Then they said nothing i can do but wait for 30-60 days for the account fully closed then they will refund the money. Now i called again, they said i have to verify the check for them to able to refund to the issuer of me. Today i talked to them again, they said i have to wait until XXXX for it to completely closed then the only choice is for the issuer to notery documents them come to citi bank and verify that she signed me the check or else the money will be hold by them forever. 
Its covid. Because my kids have to stay home for online class, i been home for a year. I have to sell stuffs to survire. This is my rent money. {$2000.00} is so much to me.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (VA)

My principle income comes from social security and a modest pension. In XXXX of last year I decided to re-finance my existing mortgage. I have an XXXX credit rating and no other debt. Several companies were prepared to refinance my mortgage. Throughout the process the working number provided by New American was a monthly payment of {$1600.00}. I provided EVERY SINGLE DOCUMENT RQUESTED IN A TIMELY MANNER. 7 DAYS AFTER CLOSING I received a letter saying that New American was insisting on additional flood coverage that would INCREASE MY MONTHLY MORTGAGE BY {$200.00}!! 
This was never discussed for the two months prior to closing. My previous lenders did not request such coverage. Again, New American had two months in which to bring this subject up BEFORE CLOSING. That was the appropriate time to do so. Had they, I would have gone to another lender. 

Mortgage Timeline - XX/XX/2021 : first contact with XXXX XXXX - XX/XX/2021 : Phase 3 : Underwriting is looking into the background of all involved parties and reviewing your entire loan package based on income, assets, and documentation. 


- XX/XX/2021 : Emailed to XXXX a copy of my current flood policy - XX/XX/2021 : received document titled CHANGED CIRCUMSTANCE DETAIL with a list of changes that still did make any mention of additional flood insurance Estimated Monthly total Payment {$1500.00} - XX/XX/2021 : I received document with the following language : - We only need these last few items to continue to closing ; 1. Please provide a copy of your flood insurance policy. I have the homeowners insurance policy but it does not show the flood coverage. Is this in a separate policy?

2. Ive attached the flood FEMA findings. Please sign on page 2 - XX/XX/2021 : Signed Closing documents : XXXX + XXXX = XXXX - XX/XX/2021 ; Please Provide XXXX XXXX 7 days after closing!! 

- Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX NOW NEW ANERICAN SAYS MY MONTHLY PAYMENT IS TO INCREASE BY {$200.00} A MONTH!!
Consumer complaint received 2021-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

The school had obtained my loan fraudulently and had someone posing as myself and taking classes with my name and using my loan money. The person also was refunded XXXX from my loan and I want this debt settled.