davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.
Consumer complaint received 2016-08-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Texas Guaranteed (MA)

Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Bank is reported inaccurate and defaming information about me to XXXX XXXX XXXX. I have called SunTrust Bank to get this resolves and the SunTrust representative ca n't will not give me any information pertaining to this matter but only to call XXXX. I contacted XXXX and they advised me that Sun Trust is reporting that the reason for the FRAUD notation is because : ATTEMPTING TRANSACTION IN AN UNPLEASANT MANNER. This is a complete false information and I am requesting SunTrust Bank to remove this information immediately in order for me to open a checking account with my current bank.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: IQOR US INC (CO)

On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (DE)

My vehicle is currently insured by XXXX XXXX XXXX and financed through State Farm Bank. I was involved in a head on collision on XXXX/XXXX/15. I 'm being told by State Farm Bank that if I do not make a car payment by XXXX/XXXX/15 I will lose my " Payoff Protection '' offered through State Farm. The collision was not my fault and XXXX XXXX XXXX XXXX has not yet evaluated my vehicle. Because they have not evaluated the car, I will now have to make a car payment for a vehicle that is not functional. If I do not make the payment, I will then be responsible for the entire balance owed on the vehicle. My complaint is not against XXXX XXXX XXXX XXXX, it 's against State Farm Bank because they are forcing me to pay for a vehicle that I can not drive or access, also, if I do not make a payment then I will be held responsible for the entire amount of the loan. The vehicle is totaled. It just has n't been officially totaled by XXXX XXXX XXXX XXXX due to restrictions of XXXX State Police because of the nature of the accident.
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MN)

The caller most likely appears to be Allied Interstate but I can not find any definitive answer on this as they have done an exceptional job of obscuring their identity. They number that they call from shows up as XXXX on the caller ID with a name of " Toll Free Call ''. 

Every business day for well over a month the caller has called me multiple times per day. Additionally they have made contact with me personally multiple times in a single day. Every time I have not answered the phone and let the machine get it no message is left. They obfuscate their identity on caller ID as it shows up as " Toll Free Call ''. The first time I answered there was no one on the line so I hung up. After that when I have answered I personally have told the calling company to never call me again. I have personally told them to never call me again multiple times in a single day. Each time when I have told them to never contact me again the line has disconnected. Below is a listing of the dates and times ( central time zone ) when they have contacted me and been told to not contact me. Additionally below is a listing of the times when they have called me and I have records of the call as I did not start recording the date and times of their calls at first. There are additional calls as my phone only records the last time when they called and indicates the number of times per day they have called before that. Each business day that they have called they have called multiple times. 

Dates and Times when I have told them to never call me again : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX Dates and times that they have called me ( incomplete list ) : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

I paid of my mortgage loan with PNC Mortgage on XXXX XXXX, 2015. I have contacted them XXXX times requesting the balance in my escrow account. They had taken out XXXX and XXXX pmi insurance and I told them they have to prorate XXXX and they said they would. To date I still have not received a check from them however, I received a letter of denial regarding the prorated amount for the pmi insurance. I contacted the company again today and no supervisor was available they said they would call me back. The correct amount owed to me is XXXX.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. 

The reason for the late payment was solely due to my lack of knowledge that my mortgage loan was transferred from XXXX XXXX to PNC. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life - that is not an exaggeration. My mortgage history is no different and was on Auto Pay for many years, in full and always on time. However, when the loan was transferred without my knowledge, the Auto Pay did not transfer to pay the bill with PNC. The main reason that I was not aware of this transfer leading to this unfortunate and unfair situation, is that the only information regarding this transfer was done via physical mail and I was not living at that address at that time. I had no reason to suspect any changes, nor did anyone reach out to me via email nor phone. Nonetheless, once I found out about all of this ( XXXX XXXX, 2016 ), I immediately paid the mortgage with PNC in full and set up Auto Pay with PNC. 

Again, I am writing to request that any and all late payment PNC history that has damaged, and is continuing to damage, my credit score be removed immediately. All of my bills ( Credit Cards, Student Loans, Car Payments, Mortgages, etc. ) have all been paid in full and on time or before the due date for my entire life. It is not fair that this situation should be held against me when it was solely due to my lack of knowledge about the account transfer, and not at all due to my lack of paying the bill. 

Thank you for your time. Please feel free to contact me via phone or email for any follow up inquires and/or if you need any other documentation.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. 
Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! 
Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. 
Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! 
PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on XXXX.
Consumer complaint received 2023-02-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (NC)

I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

Branch Banking and Trust has stooped to a new low. They are now charging to utilize their phone 24 services. That is right, they are charging me to call and ask questions. This is illegal I am pretty sure. I have a XXXX XXXX like many americans that requires I get things explained to me. I should not be punished by sanctions and fees for having this XXXX. I am also notifying the XXXX and CFPB of these practices if not refunded, ceased for me personally immediately. The demographics of our country with an aging, autistic, and generally declining education system makes this predatory. I am going to copy/paste this complaint to everyone until the end of time. This is dirty business, refund my money, offer me an apology and have your company trained on business ethics going forward. Service by phone and person should be a requirement. You have no right to charge, refund these fees. Also provide the address for me to address certified legal mail to from my attorney. What is your mediation process and where to address legal mail for residential adviser. Please explain these fees and put it in writing to the address on file. Both having explanations in writing then being able to call and discuss is fundamental not to just fair business, but also greatly assists in the handling of my personal XXXX XXXX. Please do not deny us these crucial services. Here is the explanation I received from the website of BBT : " Thank you for contacting BBandT E-Mail Support regarding XXXX fees. 

You may make unlimited calls to the Phone24 automated system at XXXX at no charge. 

After selecting an account, you may press 0 to speak with a Phone24 associate between XXXX XXXX. and XXXX XXXX, ET, seven days a week. 

XXXX XXXX, your first two calls to a Phone24 associate are free of charge. However, a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. " ***PLEASE STOP THIS IMMEDIATELY, ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX, XXXX XXXX. I WANT CLEAR INSTRUCTIONS BY PHONE AND INDIVIDUALIZED SERVICES GOING FORWARD TO ASSIST WITH MY MEDICAL COGNITIVE CONDITIONS. WITHOUT THIS I CAN NOT FUNCTION. DO NOT DENY ME OR CHARGE UNFAIRLY XXXX PEOPLE THAT MAY NEED THIS LIKE MYSELF. ***
Consumer complaint received 2016-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MI)

My student loan is held by Pennsylvania Higher Education Assistance Agency ( myfedloan.com ). On approximately XXXX XXXX, XXXX, I submitted an application under the XXXX program to have my loan terms reevaluated. I was informed that my application was approved approximately 30 days later, and the servicer would be issuing me a {$5.00} bill that once paid would then bring me out of the IBR program and into the XXXX program. As of XXXX XXXX, XXXX, my student loan servicer has not finalized my approval under the program or issued me the {$5.00} bill to allow me to opt out of my current income-based repayment program. When I have complained numerous times to them about the delay, they inform me that the process is slow because they have too many applications but they are doing their best they can with their resources. Thus, it has been nearly 90 days and Pennsylvania Higher Education Assistance Agency has not taken any concrete action on my application. Clearly, by Pennsylvania Higher Education Assistance Agency 's own admission, the federal government is contracting with them to service too many loans in excess of their capability.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions