davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (VA)

In accordance with CFPB 's XXXX advisory against FDCPA ( Regulation F ) violation relevant to time-barred debts, we are requesting that CFPB investigate this matter to ensure that Nationstar does not move forward with an illegal foreclosure of a deed of trust that is time-barred and void for other reasons. 

We purchased our home in XX/XX/XXXX. The current issue is relevant to illegal refinance of an alleged loan in XX/XX/XXXX. This complaint is against the alleged servicer Nationstar Mortgage, LLC ( a/k/a Mr. Cooper ). 

Even though the deed of trust is time-barred and void because 15 years has gone by since acceleration of the alleged loan on XX/XX/XXXX, Nationstar Mortgage, LLC ( " Nationstar '' ) is attempting a foreclosure on our property on XX/XX/XXXX without sending us a notice of sale ( we refute that we are in default on a loan owned by Nationstar, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as trustee for any trust ). Although we have repeatedly communicated with Nationstar and its agents that pursuing foreclosure on a time-barred deed of trust is in violation of Va. Code 8.01-241, Nationstar persists in threatening foreclosure without giving us a valid reason why they are not violating the law. 

Furthermore, the foreclosure attempt is also illegal because the deed of trust is also void due to its material unauthorized alteration and tenancy by the entirety. In bankruptcy court, on XX/XX/XXXX Nationstar admitted that XXXX XXXX XXXX is the only party to the note and deed of trust, and that XXXX XXXX XXXX, was subsequently added to the deed of trust after the loan. The deed of trust shows that XXXX XXXX ' name was handwritten onto the deed of trust after we were misled into signing the deed of trust on an illegal loan. At the time that we unknowingly signed the illegal deed of trust, XXXX XXXX 's name was not handwritten on the deed of trust. The handwritten addition XXXX XXXX ' name is not initialed by XXXX, which prove that we did not authorize the change. The title document processed after the deed of trust was recorded in the XXXX XXXX XXXX XXXX XXXX also shows that XXXX XXXX XXXX was the only grantor on the deed of trust. Therefore, the deed of trust is an illegal contract because of the unauthorized alteration and pursuant to tenancy by the entirety. Under tenancy of the entirety, XXXX XXXX did not convey title in the property, which makes void the deed of trust from inception. 

In addition, the foreclosure attempt is also illegal because the note and deed of trust are also illegal and void contracts given that the original refinance was illegal. Therefore, the subsequently filed assignment of deed of trust and substitution of trustees documents in XX/XX/XXXX and XX/XX/XXXX are also illegal and void.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RANLife, Inc. (CA)

XXXX  XX/XX/XXXX XXXX confirmed having the payoff check. I asked to have the payoff escalated they confirmed that would happen. XXXX  XX/XX/XXXX payoff still not processed, I asked again to escalate the payoff worker said he would put that in. XXXX  XX/XX/XXXX worker says neither of the other XXXX workers did anything but make notes in my case. I asked her to escalate the payoff she confirmed and said will be done by XX/XX/XXXX. XXXX  XX/XX/XXXX worker says they don't have the check and there are no previous notes about the check. I demand a supervisor, supervisor XXXX says they do have the check but none of the previous workers handled the escalation process correctly she says she did and it would be a " few '' more days, not a real number no confirmation that this time it is true. I asked about the money they have been holding for over a year, she transferred me to a lead in claims named XXXX. XXXX was very rude, unprofessional, kept interrupting me and said they won't let go of the money and her supervisor is at lunch but should call me today on XX/XX/XXXX this was at XXXX. It is noon still nothing and no one is processing anything with no real days of when it will be processed they have and both checks more then XXXX business days.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX social, experian, has not removed negetive item thats 60 days late theres a federal trade commision identiy report on filed acxount XXXX by law they supposed to block negetive items or removed it documentation on filed XX/XX/year>XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX : {$1200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$1300.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX XXXX : {$1200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXX : {$16000.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Thank you for your prompt attention in correcting some adverse information on my credit file. However, I still find accounts that need to be repaired. Therefore, I request that all inaccurate information for the accounts listed below be fixed immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

On XX/XX/2023 my chime account was closed by chime, stating that I didnt follow the policy rules still not sure what Idid wrong, I never deposited anything fraudulent in the account you can also see that, I had transferred money from my cash app to my chime because I always do, my tenants from my apartment pay me rent via cash/chime/XXXX I had XXXX.dollars in my chime account and chime closed it and will not give me a refund on my closer check, I have provided my documents everything they asked for I provided it and they are still telling me I can not get a refund, different agents are giving me different ticket numbers and it is just all over the place, my money is just sitting there and I think they have blocked my number to call them and get any updates I have sent every utility bill, birth certificate, debit card, front and back of my id and a statement of what happened and they still wont give me my money
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (NV)

XX/XX/year> I complain the company doesn't know the personal information of the applicant 's XXXX name bracket to supply card of application. 
Applicant 's first name bracket is [ XXXX XXXX ] and XXXX XXXX XXXX XXXX stands for the customers XXXX character first name of application. The applicant 's last name bracket is [ XXXX  ] and [ XXXX ] stands for the customer 's last name of application.
Consumer complaint received 2024-08-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: eMortgage Funding LLC (PA)

I did a VA refinance loan through Emortgage Funding to payoff some debts. An Emortgage team member told me to contact one of the debtors, XXXX XXXX, for a settlement offer. I did so and a settlement was offered but had to be paid within 5 days. Three days later Emortgage notified me that they could not close until the following week so I sold some of my personal property to pay XXXX and notified Emortgage of this. During conversation with the Emortgage team supervisor he also agreed Emortgage would reimburse me half the cost of the home appraisal. At closing Emortgage stated they must issue me a check for XXXX but for me to hold it and once they received verification from XXXX the debt was paid Emortgage would reissue a check to me for the amount plus half the appraisal cost. It has been over 30 days since Emortgage has received this verification and after multiple attempts on my part Emortgage has yet to send me the agreed upon check. I still have the original check.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear MOHELA/DEPT OF ED I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. MOHELA/DEPT OF ED- {$1000.00} - 2. MOHELA/DEPT OF ED - {$1700.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CT)

The credit reporting agencies XXXX, XXXX and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I further discovered that the XXXX XXXX inquiry is related to a corporate business account not a personal consumer account and which was not unauthorized by my personal authority.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Trans Union and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

You were recently notified that all Power of Attorney, Consent and Security Interest you were given on behalf of the Principal is now revoked. This means that you are no longer allowed to utilize any information relating to the Principal, including but not limited to, sharing, compiling, selling and acting on behalf of the Principal in anyway.

Keep in mind, that using a person 's nonpublic personal information without consent is a criminal act known as identity theft. if you would like more information regarding the use of unauthorized use of a person 's information, you can find it codified in 18 U.S. Code 1028.

Navy Federal Credit Union is hereby instructed that you must immediately cease using any information related to the principal. It is required that you reply to this notice confirming that you have received this notice and have complied with the instructions within five business days.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: PayActiv, Inc. (DC)

On XXXX XXXX I, XXXX XXXX withdrew {$250.00} from my XXXX XXXX XXXXPayactiv account and transferred it to my Payactive card. Moreover, the {$250.00} was never deposited to my card. In other words I never received the funds. Furthermore, the {$250.00} was deducted from my paycheck on XX/XX/year>. Ive contacted representatives from Payactiv and I was told that the case has been escalated. This has been an entire week and it is unfair and unjust that I was not able to access my funds, but your company was able to deduct money that was never deposited to me. Ive contacted the company via Email, Chat & phone several times and the same response is given that the claim is being worked on. I have not yet received any updates.