davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (NY)

When I returned the car after the stipulated lease time, Tesla charged my bank account with no information about the details. I wrote to them 3 times and there is no response. It is very difficult to get information by phone. 

Before returning the car, Tesla asked my provide detailed pictures of the car. They estimated {$200.00} of curb rash and sent me an invoice for {$1000.00}. This included {$200.00} curb rash, {$360.00} deposition fees. I did not understand the rest but I was told that I will be provided more information. 

When I returned the car on XXXX XXXX, Tesla informed me that I will charged {$3800.00} with no information at all. Upon returning the vehicle on XXXX XXXX, Tesla also revoked my access to the portal without any notice and hence I lost all the lease related documents. 

On XX/XX/XXXX, Tesla charged my bank account for {$3800.00}. 

I wrote to Telsa on XXXX and on XXXX with no response at all. This situation is very frustrating as there is no additional, or access to any documents to understand the charge. Moreover, Tesla had the time and details to review before the return of the vehicle. They only informed me about a curb rash for {$200.00}. They had time to review on XXXX XXXX when I took the car to them and failed to do so. Because if there were issues, then I could have solved it with insurance. My actual lease end is XX/XX/28. Tesla charging my bank with XXXX times more than the original estimate of {$200.00} with no information and without giving me access to cure it seems outline of line and a overreach of a large company on a consumer. Also, Tesla can not without notice revoke access with no avail access financial documents and contracts. 

Car VIN number is XXXX
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX XXXX, 2022, I was approved for a Capital One Quicksilver XXXX card with a {$15000.00} credit limit. The only reason I applied for this car was because it can be used as a virtual card online. The card came with an enhanced rewards program that if you spent {$500.00} within six months, you would get {$200.00} in rewards money. I actually earned {$220.00} in rewards by complying with their requirements. 

On XX/XX/XXXX, I attempted to use the card and it was declined. When I check the account online is was listed as restricted and so I called the bank to be told by their fraud department that they needed to verify some of my information but would not share with me why. They asked for, and received, copy of both sides of my drivers license, copy of my social security card and proof of residency in the form of my property tax bill with my address, legal description, etc.. 

On XX/XX/XXXX, they called and said since I had copied my drivers license front and back onto the same sheet of paper, they could not use it, had to have it copied on to two sheets. While a ridiculous request, I complied and sent them two sheets.

Two weeks later, I get a call that the property tax bill wasnt proof of residency even though its actually issued by a local government and contains my address as well as other information about my residence. They needed a bank statement with full account numbers showing or a utility bill. I sent them a bank statement for one of my accounts with the account number showing, address, balance in the account etc., as well as a copy of my utility bill from XXXX XXXX for my trash pickup. 

On XX/XX/XXXX, I get a call that my XXXX proofs of residence were not satisfactory and I decided enough was enough and asked that they close the account and forward to me the {$220.00} in rewards that I had earned. They refused, said they could not release rewards money on a restricted account even though I had complied with all their requests. 

They closed the account and are refusing to pay me the money legally due to me. Yes, its a small amount but they have put me through far more aggravation that any financial institution should inflict upon a customer. They have steadfastly refused to tell me why the card was restricted to begin with and this from a bank who suffered a major data breach a few years ago, making me concerned that somehow my information had been compromised but again, they would not share the reason with me. 

I have contacted their CEO with this problem and he forwarded it right back to the fraud department. The people working in fraud refused to give me their names, only employee ID numbers and refused to let me record my conversations with them even though they were recording it. I have no where left to turn to resolve this issue, hoping you can help.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine.

The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics. 


Under the Electronic Fund Transfer Act ( EFTA ), financial institutions, including peer-to-peer payment apps like Cash App, are required to process electronic funds transfers promptly and to investigate and correct any errors that are reported by users. The law also sets out specific rules regarding the rights and responsibilities of consumers and financial institutions with regard to electronic funds transfers.

Specifically, the EFTA prohibits financial institutions from : Requiring users to establish an account with a particular institution as a condition of using an electronic funds transfer service. 
Discriminating against users on the basis of their age, race, gender, or other protected characteristics. 
Disclosing information about a user 's electronic funds transfer to anyone other than the user, the user 's financial institution, or other parties authorized by law. 
Illegally withholding funds from a user 's account.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I Wrote two checks from Chase my business account XXXX one to XXXX XXXXXXXX XXXX My accountant ( {$500.00} ) and the second one for my Lawyer XXXX  XXXX ( {$1000.00} ) Somebody obviously stolen the checks both did not receive and I had to pay them few weeks later both checks were cashed by a different by a bank in XXXX Virginia clearly the endorsement on the back of the check does not match the person who the check was made to. Since XX/XX/XXXX I have been trying to recover my money from Chase, after two years they told me I should have received a letter in XX/XX/XXXX telling me I need to call the other bank I hang up on them and one of the account manager at Chase gave me your website to file a complaint If the other bank made a mistake and cash those checks to the wrong person, chase should have not gave them my money I think chase should give me my money back ... Because they paid illegally to the wrong person. In my opinion they are trying to cover the mistake for making me pay for it
Consumer complaint received 2021-09-17
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. (CA)

Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA.

RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Consumer complaint received 2023-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

have recently reviewed my credit report and noticed you have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party ), provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) p
rotects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in error, and this matter is coIrected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( Name ), ( Address ), ( City, and State & Zip ).

If you can not substantiate I authorized the release of my medical information within 30 days. and collection activity continues ( including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt Collector
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
Best Regards, I have attached my ID to this letter.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (KS)

Under the Fair Credit Reporting Act, to request information regarding an item that is listed on my consumer credit report. Spring Oak Capital, account number : XXXX. According to the Fair Credit Reporting Act, Spring Oak Capital is legally required to report accurate information. I am demanding they remove or provide proof that they have lawful contract with me to pursue the debit in question. Refusal will consider a Willful Violation. Fair Credit Reporting Act, 15 U.S.C. 1681n ). For willful failures to comply with the Act 's disclosure requirement plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Violations : 15 U.S.C. 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S.C. 1692j : Furnishing certain deceptive forms
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I Dispute this Erroneous information to Experian, 3 years ago and it was deleted ( XXXX XXXX XXXX account # XXXX ) but as today continues to appear on my credit report.,  please Investigate
Consumer complaint received 2020-12-01
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: FC HoldCo LLC (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (NY)

My name is XXXX XXXX, My fiance is XXXX XXXX. We had a direct deposit tax return from the U.S. Treasurer in the amount of {$6300.00} into our Cashapp account # XXXX. We have verified we are the account holders. I am the primary. Cashapp will not grant access to our funds nor transfer our money to a new account that they directed us to create. They stole our whole tax return and will not give us our money. The cashtag on our account is $ XXXX The email linked to the account is XXXX The phone # that was linked to that account was XXXX The zipcode on that account is XXXX
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX & XXXX ( XXXX ) U S DEPT OF EDXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX accordance with the Fair Credit Reporting act XXXX  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
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc. (MN)

I am writing for your help in addressing the problems I am having with DCI Credit Services , IncXXXX ( XXXX XXXX XXXX XXXX ND XXXX XXXX ) On three separate occasions they have taken money paid on a debt and misapplied the payment to incorrect accounts. 
For all my payments I have instructed in person ( via phone ) their office how to apply each payment. 
I was given confirmation numbers and assurances that the money was being applied correctly only to find out the next month that the payments were made to the wrong accounts. 
They continually blame their posting department and failed to make the necessary corrections. 
I have no record from them of what my total debt was and how much i have paid or where my payments were applied. 

I am asking your department to conduct an investigation into this company and protect me from further fraudulent misplaced payments. 
At this time I have no idea what I owe and what has been paid or where it has been paid to. 
I have not received any satisfactory explanation from the company. 
I have no clear records of what has been paid and to where my payments have been applied. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, well over 60 days later I have not received a response. I feel like they are taking advantage of my by ignoring my disputes. I'm aware that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I have also attached a photo of my government ID.