{"took":196,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35025,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4837994","_score":14.978216,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I, the natural person, Consumer who is protected under the federal law is demanding, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). compensation for DAMAGES, WILLFUL INJURY, UNLAWFUL ACCUSATION, ETC. I am demanding compensation and damages under a commercial tort, commercial security agreement including a fee schedule submitted under a UCC! with the Secretary of Treasury and in response to the Bill of Particulars sent to company certified mailing. ; for the false claims of an alleged debt to them. CHALLENGE FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress.","date_sent_to_company":"2021-10-23T23:11:59.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"4837994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2021-10-23T22:33:48.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>CHALLENGE</em> FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.978216,"4837994"]},{"_index":"complaint-public-v1","_id":"4466915","_score":14.978216,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My car was totaled XX/XX/XXXX and the finance company picked up the car on XX/XX/XXXX after the insurance company rescheduling multiple times. Now the car is no longer in my possession and Im dealing with constant harassment via text and phone. But the finance company refuses to give me any information regarding my claim and as of XX/XX/XXXX I was informed that my insurance claim can take an additional 6-8 wks but payout has already been approved. During this 6-8weeks my loan will continue to accumulate interest, also the finance company refuses to send any information from the insurance as well regarding the payout or my gap insurance. I also was informed that Im not entitled to know this information because its 3rd party but I pay for both car insurance and gap insurance why am I not entitled to the information regarding a loan that I finance and solely responsible for. Also the supervisor informed me that even though she gave me a estimate of an additional 6-8 wks theres a possibility that it might be a year. Ive explained to challenge financial this isnt my first loan nor my first totaled car and I feel like some fraud activity is going on behind the scenes. Ive read multiple reviews and from what Ive read Challenge Financial does this to a lot of customers. Ive had the car for 2yrs not one payment missed the loan started at XXXX apr 13 % and I still owe XXXX. And my previous loan was XXXX apr 24.99 % with XXXX XXXX I had the car for 3 yrs missed over 10 payments throughout the loan and when it was totaled I owed XXXX. So giving an example I dont understand how a loan with lower apr % and less to payoff with no payments missed still have XXXX dollars owed after 2 years? And why am I not entitled to know whats going on with my insurance claim if the car is in my name, my credit, and Im responsible for. Their employees call and harasses you for payments even after they have already been paid and I literally have to tell them check their system and stop sending me repo text ( one guy XXXX actually told me well you need to do my job then and hung up ), I also never went over 30days past due and would receive repo text messages. When you ask to speak with the manager they hang up. When you try to speak with a specific person they hang up even the manager has hung up on me because I was reporting a rude employee that wouldnt transfer me to the insurance claim department, the next day that same guy calls my phone after Ive already requested for him to no longer call me due to his rudeness. When your nice they become rude when your asking too many questions. XXXX actually told me he couldnt help me because I didnt know my account number Because he would lose his job and hung up ( Ive NEVER used my account number when calling ) When I called right back a lady answered and with no problem my account was pulled up with my number like I normally do. Their just overall rude and running a fraudulent company. Not all but majority or rude and shouldnt work customer service","date_sent_to_company":"2021-06-17T05:55:33.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"92307","tags":null,"has_narrative":true,"complaint_id":"4466915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2021-06-17T01:11:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["Ive explained to <em>challenge</em> financial this isnt my first loan nor my first totaled car and I feel like some fraud activity is going on behind the scenes. Ive read multiple reviews and from what Ive read <em>Challenge</em> Financial does this to a lot of customers. Ive had the car for 2yrs not one payment missed the loan started at XXXX apr 13 % and I still owe XXXX."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.978216,"4466915"]},{"_index":"complaint-public-v1","_id":"3544240","_score":14.978216,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"the payments are not apply correctly, already file a complaint once, but this guy who said is a manager there, call me when I was busy and I ask for document that state why they not applying the money I send to the account but he said that I have some credit for the money I send but if I paid off I guess that extra money will be taken by the company and not applied to my loan, this person was more concern on convincing me of writing a good review other then fixing the matter, I just send XXXX dollars and the statement I received shows a payment of XXXX, doesn't reflect the money I sent and want to know where is the rest of the money?. seem like they trying to take my money but I will fight to the end for my money, I have been advised to contact my local police department and show the documents and contract and if they find something wrong will opened and investigation with I will do if nothing is fixed.","date_sent_to_company":"2020-02-25T06:59:04.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"92880","tags":null,"has_narrative":true,"complaint_id":"3544240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2020-02-25T06:28:42.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Billing problem"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.978216,"3544240"]},{"_index":"complaint-public-v1","_id":"18117557","_score":14.978216,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I financed a XXXX XXXX XXXX with Challenge Financial in XX/XX/XXXX. My payments have always been on time ; I have never defaulted. In XXXX ( about the XXXX ) my vehicle experienced a critical fuel-cell system malfunction and became inoperable. I was not able to immediately tow or repair the car, so I parked it on a residential street. There was no abandonment. \n\nSeveral days later, after the local police towed the vehicle for municipal parking enforcement ( trash day ), Challenge Financial took possession of the car without providing any prior notice to me. I was never informed that you planned to repossess it, nor was I given a chance to cure any alleged default. I only found out my car was taken when I went to the police department. \n\nIts now been over 60 days and I still do not have a clear explanation of why you are keeping my car. I have not been told how I can retrieve it, if or when it will be repaired, or what you are demanding for its return. Meanwhile, I have incurred significant transportation costs ( XXXX, rental ) because I rely on the car for daily needs, including caring for my young child. \n\nI believe this constitutes wrongful repossession and unfair business practices. I demand either the immediate return of my car, or a formal, legally justified plan and timeline for repairs and return plus reimbursement for my out-of-pocket transportation cost.","date_sent_to_company":"2025-12-03T03:04:24.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"92509","tags":null,"has_narrative":true,"complaint_id":"18117557","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2025-12-03T02:39:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["I financed a XXXX XXXX XXXX with <em>Challenge</em> Financial in XX/XX/XXXX. My payments have always been on time ; I have never defaulted. In XXXX ( about the XXXX ) my vehicle experienced a critical fuel-cell system malfunction and became inoperable. I was not able to immediately tow or repair the car, so I parked it on a residential street. There was no abandonment."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.978216,"18117557"]},{"_index":"complaint-public-v1","_id":"12951680","_score":14.978216,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"So I gave XXXX as a down payment to dealership called XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California for a vehicle that I was financing with challenge financial services on XX/XX/year> my car payment was due on XX/XX/year>. I had to make an arrangements and asked for an extension on that car payment due to the timing of the pay periods that Im paid also going through a death in the family literally all in the same week so I called to make payment arrangements on Thursday XX/XX/year> an update my contact information they confirmed and said they would call me back with the verification and I didnt receive the call or welcome letter until the actual day Iwas supposed to pay the car payment. Come Saturday morning XX/XX/year> im alarmed by a XXXX XXXX  XXXX  towing my vehicle. I went outside to confront the driver of the tow truck and he said theyre taking your car. Its called a XXXX XXXX that I have to refinance the vehicle to call the dealership where I got it and go do paperwork so I was the little confused and wanted to gather my belongings from the vehicle as doing so the tow truck driver alert me saying that he just got off the phone with the dealership that I just need to go down there and talk to him and do some paperwork so a little while after I called the dealership the man who helped me from XXXX auto sales XXXX XXXX says to me he has no idea what XXXX talking about that I have to deal with the bank to call the bank. He has no involvement in this situation. I called the finance company and they say that the payment was late that that they dont wan na do business with me so now Im just confused. I dont have the vehicle no more and I cant get to work to provide for my family and Im left without XXXX down payment for the vehicle XXXX XXXX XXXX the XXXX auto sales refused to give me my down payment back. I just need help now. What do I do? How do I go about the situation?","date_sent_to_company":"2025-04-12T22:38:12.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"92113","tags":null,"has_narrative":true,"complaint_id":"12951680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2025-04-12T22:05:58.000Z","state":"CA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["So I gave XXXX as a down payment to dealership called XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California for a vehicle that I was financing with <em>challenge</em> financial services on XX/XX/year> my car payment was due on XX/XX/year>."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.978216,"12951680"]},{"_index":"complaint-public-v1","_id":"6814573","_score":14.333411,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from may of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes","date_sent_to_company":"2023-04-10T02:39:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60002","tags":null,"has_narrative":true,"complaint_id":"6814573","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2023-04-10T01:55:08.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"6814573"]},{"_index":"complaint-public-v1","_id":"6200089","_score":14.333411,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XXXX XXXX my XXXX was in involved in a car accident witch my insurance company called it a total loss. In XX/XX/2022 XXXX sent in the amount that I owe with interest rate so I called challenge financial Services and I spoke to XXXX I ask her why did it go from XXXX to XXXX I also ask XXXX for a payout without interest rate what it would be she said that there is no payout with out interest so I ask why can't I get a payout with out interest rate added to it I'm giving you XXXX lump sum to pay off my XXXX  she hung up on me. So know at this point I feel that this finance company is trying to get over on me.all I need it the payout with out interest rate. And I want to know where did the XXXX down payment go I do see it on any of my payment.","date_sent_to_company":"2022-11-15T03:17:07.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"91764","tags":null,"has_narrative":true,"complaint_id":"6200089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2022-11-15T02:41:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["In XX/XX/2022 XXXX sent in the amount that I owe with interest rate so I called <em>challenge</em> financial Services and I spoke to XXXX I ask her why did it go from XXXX to XXXX I also ask XXXX for a payout without interest rate what it would be she said that there is no payout with out interest so I ask why can't I get a payout with out interest rate added to it I'm giving you XXXX lump sum to pay off my XXXX  she hung up on me."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"6200089"]},{"_index":"complaint-public-v1","_id":"5896678","_score":14.333411,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Fraudulently signed a purchase contract without my consent and try to forced me to take the truck that is been siting on the loan since XX/XX/2022 ( the motor doesn't work ). I tried contacting them and now they have another owner and they told me that DMV and FBI is investigating their business that they cant do anything about it. So the loan is showing on my credit after they forced my signature and they did a fraudulent smog on the car.","date_sent_to_company":"2022-08-20T01:56:10.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"93611","tags":null,"has_narrative":true,"complaint_id":"5896678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2022-08-20T01:45:21.000Z","state":"CA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"5896678"]},{"_index":"complaint-public-v1","_id":"4799743","_score":14.333411,"_source":{"product":"Debt collection","complaint_what_happened":"I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : CHALLENGE FINANCIAL SERVICES. I am demanding no further communication, return of property OR assest/monies recovered from my account private and public ledger journal entries showing such.In regard to the COLLECTION this alleged debt Mr. XXXX tries to extort a form of monetary payment as a last chance \" offer ''. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. This company has gas violated FCRA by reporting \" charged off '' when the debts was already paid upon signing and extending my credit to company.. XXXX, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.","date_sent_to_company":"2021-10-11T22:23:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"4799743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2021-10-11T22:13:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : <em>CHALLENGE</em> FINANCIAL SERVICES. I am demanding no further communication, return of property OR assest/monies recovered from my account private and public ledger journal entries showing such.In regard to the COLLECTION this alleged debt Mr. XXXX tries to extort a form of monetary payment as a last chance \" offer ''."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"4799743"]},{"_index":"complaint-public-v1","_id":"4436329","_score":14.333411,"_source":{"product":"Debt collection","complaint_what_happened":"Challenge Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. \n\nPlaintiff : Challenge Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX","date_sent_to_company":"2021-06-06T21:26:19.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"85022","tags":"Older American","has_narrative":true,"complaint_id":"4436329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2021-06-06T21:02:51.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>Challenge</em> Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. \n\nPlaintiff : <em>Challenge</em> Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX"],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"4436329"]},{"_index":"complaint-public-v1","_id":"3428903","_score":14.333411,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"At the end of 2018 I got into an accident and it was deemed a total loss. prior to the checks being sent over to the finance company from the insurance company I fail to receive a copy of the payoff balance sheet for the total payoff amount. Because the contract was only in duration for six months the total pay off the balance should not have included the entire finance charge for the duration of the entire contract and should have. At a much lower balance than what was stated to the insurance company. I have called numerous times always to be placed on hold for extended periods of time only to be not held that the end. I have written a letter to your place of business requesting copies of every single document that they have in their files in regards to my account and I received nothing as a response to but an e-mail requesting that I could sign in online to view my account history but when I do so the history in after dating question and not for the entire duration of the contract. And to add to that what they did instead was inputted into their computer system that I now have a balance of {$1300.00} because I was asking them to return to me any excess monies paid to them after satisfying my account balance. because by law it is rightfully mine and should have been returned to me as soon as the payments were made. not only did they not supply me with any of my paperwork to document any of the details and how the appropriated any of the refund money but I also never received the title for the vehicle in which the entire loan payment was made for. As well as they have now somehow added a {$1400.00} charge to my account but have no documentation explaining why or how that number was reached or why they feel entitled to such an amount. It is also incurring interest as if I was still under contract with them which is false because the terms of the contract were met and the account was closed and that was explained to me in one of the phone calls that I made to them. they should not be allowed to charge me for attempted charge me any money without them furnishing up and supplying the paperwork necessary to substantiate such claims. They also negatively impacted by credit score for months after the accident stating that I was past due on payments when in fact they had already received payment the loan. So all around this company is doing awful business they are not meeting terms that they should be and are not supplying any paperwork as to their conduct on that side of the contract. I have upheld my side of the contract and I believe that they should be held to theirs as well. There's a lot of unscrupulous behavior going on within this company, and that is some evident.","date_sent_to_company":"2019-11-05T19:55:06.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"91773","tags":"Servicemember","has_narrative":true,"complaint_id":"3428903","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-11-05T19:07:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"3428903"]},{"_index":"complaint-public-v1","_id":"3131845","_score":14.333411,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX of 2018 I contacted challenge financial company and told them I was out of work and was not able to pay the auto loan they told me theyll give me another month, so that month passed and I was unable to make the payment and till this day I havent been able to get work so today on XX/XX/XXXX after challenge financial calling my fiance with my number somehow and them calling me with my former works number somehow they hacked or did something for me to receive calls from my works number and they called threw this months my uncles and aunts and told them all about the debt and to left a message threw them for me, there was a rep that went on XXXX to my moms house and traspass her private property to look for me I dont live in that house anymore and my uncle went up to him and the rep told my uncle I would get arrested if I dont pay the car to pass on the message and today I call them to try to see if we can arrange something due to me not being able to find work and I till the lady I wont be able to pay the amount and tell her Im waiting for my work permit since I havent work since XXXX she goes ahead and harassed me and tells me shes gon na sue me even tho Im not anywhere close to where my moms house is that I wont get my permit because of it she threaten me that I wont get it because of a lawsuit she was harassing me because of my XXXX  status and didnt let me talk trying to make a deal with her","date_sent_to_company":"2019-01-23T22:57:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"3131845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-01-23T22:38:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened to turn you in to immigration or deport you"},"highlight":{"complaint_what_happened":["On XXXX of 2018 I contacted <em>challenge</em> financial company and told them I was out of work and was not able to pay the auto loan they told me theyll give me another month, so that month passed and I was unable to make the payment and till this day I havent been able to get work so today on XX/XX/XXXX after <em>challenge</em> financial calling my fiance with my number somehow and them calling me with my former works number somehow they hacked or did something for me to receive calls from my works number and they"],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"3131845"]},{"_index":"complaint-public-v1","_id":"13609744","_score":14.333411,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX I traded in my vehicle and owed around {$1100.00}. I informed challange financial, seemed to be no issues as I was purchasing another vehicle from a Large Major dealership. \nOver the next few weeks, I received multiple phone calls about my payment. When it finally hit the 30 day late, I made a payment and sought the help of an attorney due to the dealership I had traded my vehcile in, appeared to have not taken care of the pay off. \nAfter dealing with XXXX and speaking to Challange Financial, the dealership showed me paperwork that the pay off had been basically sitting on someones desk since XX/XX/XXXX. \nChallange financial still kept denying this. Finally after enbough phone calls they cleared my account, but owed me a return of approximately {$350.00}. \nThey told me it had been mailed, I waited two weeks, then was told it wasnt mailed, but could take up to 45 days. I still waited, could get no answer, Finally on XX/XX/year> I called and let them know, due to thier dishonest answers, I would file a CFPB complaint, they finally agreed to refund my money. \nI inquired as to what the issue is, reminded them I went through everything with an attorney to go after the dealership due to their lies, their answer, we are simply backed up, we had some changes. \nI have to assume, if they did this to me, they are doing it to multiple people and should be investigated, being backed up is no excuse to not follow rules, there are probably many people still waiting who do not know who to contact","date_sent_to_company":"2025-07-09T15:20:04.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"92679","tags":"Servicemember","has_narrative":true,"complaint_id":"13609744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2025-05-21T03:12:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.333411,"13609744"]},{"_index":"complaint-public-v1","_id":"7182864","_score":14.286135,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My SSN and wallet was stolen I reported it but nothing was done in being charged for cars and other things on my credit I'm unable to rent a house or purchase a car and open a bank account","date_sent_to_company":"2023-06-28T21:53:15.000Z","issue":"Confusing or missing disclosures","sub_product":"Credit repair services","zip_code":"91752","tags":null,"has_narrative":true,"complaint_id":"7182864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2023-06-28T21:38:41.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"7182864"]},{"_index":"complaint-public-v1","_id":"6461587","_score":14.286135,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. \n\n[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.\n\nAs proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. \n\nIf you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. \n\nSincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX SSC : XXXX XXXX has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against XXXX and challamge finacial.","date_sent_to_company":"2023-01-20T11:38:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91761","tags":null,"has_narrative":true,"complaint_id":"6461587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2023-01-20T11:38:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"6461587"]},{"_index":"complaint-public-v1","_id":"5487414","_score":14.286135,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX called my work ask for me. Then after that called asking for the owner of the company. Im 40 days passed due. They keep calling almost every day. My phone my grandma my sisters.","date_sent_to_company":"2022-04-23T17:38:17.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"5487414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2022-04-23T16:37:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"5487414"]},{"_index":"complaint-public-v1","_id":"3585055","_score":14.286135,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My car loan payment was due yesterday. I was laid of from my job 2 weeks ago because of corona virus .I started a new job last week but don't get first check until XX/XX/XXXX .I asked if I could postpone payment .Advised that I had to pay late payment fee by Tuesday XXXX XXXX which would be XXXX Told them I couldn't and when I asked if they would work with me because of situation was berated and asked well do you want your car for free. Extremely rude.Askedto to speak with Supervisor her name was XXXX who reiterated that I had to pay late fee of XXXX but she would extend it until I get paid. My payment is approx XXXX So their late fee is almost 30 % of my payment Many of the other car companies are working with their customer waiving car late fees etc but challenge financial are not doing so at all. I have bad credit and struggled to get a car loan and feel that they are milking the current situation for their financial gain Shame on them","date_sent_to_company":"2020-03-29T08:43:05.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"85206","tags":null,"has_narrative":true,"complaint_id":"3585055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2020-03-29T08:24:53.000Z","state":"AZ","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["My payment is approx XXXX So their late fee is almost 30 % of my payment Many of the other car companies are working with their customer waiving car late fees etc but <em>challenge</em> financial are not doing so at all. I have bad credit and struggled to get a car loan and feel that they are milking the current situation for their financial gain Shame on them"],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"3585055"]},{"_index":"complaint-public-v1","_id":"3262619","_score":14.286135,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"challenge financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years. I asked for a week extra time to be able to pay it but the Rep XXXX is not willing to help, instead he threatens me.","date_sent_to_company":"2019-06-03T17:43:18.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"91762","tags":null,"has_narrative":true,"complaint_id":"3262619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-06-03T17:16:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["<em>challenge</em> financial services has been harassing me and people that have nothing to do with this loan. i have been trying to resolve this issue with the rep XXXX XXXX XXXX, he is really rude and unprofessional, he has been reaching out to people that know me threatening them that to let me know that he is going to pick up my car. I am very good with payments on my car just this month i fell behind because i just got another job. I've been paying this car for 2 years."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"3262619"]},{"_index":"complaint-public-v1","_id":"3191421","_score":14.286135,"_source":{"product":"Debt collection","complaint_what_happened":"Challenge financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated.","date_sent_to_company":"2019-03-26T16:54:05.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"92139","tags":null,"has_narrative":true,"complaint_id":"3191421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-03-26T16:40:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Challenge</em> financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"3191421"]},{"_index":"complaint-public-v1","_id":"2813372","_score":14.286135,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX traded my old vehicle to purchase a used vehicle. The traded vehicle was financed by Challenge Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder Challenge Financial. The contact person at Challenge Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. \nXXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX. He provided XXXX XXXX, Financial Director at XXXX XXXX XXXX, with an address in XXXX, which delayed receipt of the payoff. Meanwhile Challenge Financial on XX/XX/XXXX,  deducted {$260.00} from my account and received the payoff on XX/XX/XXXX. XXXX XXXX of Challenge Financial continued to lie and say they had not received the payoff as late has XX/XX/XXXX. The tracking number ( XXXX ) from XXXX showed that they had received the payoff in XXXX, California on XX/XX/XXXX. Please keep in mind XXXX had sent the payoff the first time, on or around XX/XX/XXXX to XXXX, California and it was returned and they were forced to get the correct information from another source. This maneuver allowed Challenge Financial to take {$260.00} out of my account and receive the payoff amount as well. \nI have sent a demand letter requesting a refund of the {$260.00} as well as insisting that the payoff be reported to XXXX, XXXX and XXXX credit reporting agencies. \nThis behavior is INTENTIONAL FRAUD and THEFT.","date_sent_to_company":"2018-04-30T12:01:53.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"2813372","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2018-02-13T07:12:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["The traded vehicle was financed by <em>Challenge</em> Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder <em>Challenge</em> Financial. The contact person at <em>Challenge</em> Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. \nXXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"2813372"]},{"_index":"complaint-public-v1","_id":"15537072","_score":14.286135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit reports by XXXX or more furnishers and/or credit reporting agencies. Despite submitting disputes, the information continues to be reported without proper investigation, documentation, or validation. \n\nUnder the Fair Credit Reporting Act ( FCRA ) XXXX, I am entitled to a reasonable reinvestigation, a detailed method of verification, and copies of all records relied upon. However, the credit reporting agencies and furnishers appear to be using automated systems ( such as e-OSCAR ) instead of conducting a thorough manual review, which fails to meet compliance standards. \n\nIn addition, the reporting practices in question may not be in compliance with XXXX XXXX reporting guidelines, which require accuracy, consistency, and completeness in all furnished data. Continuing to report unverifiable or misleading information causes ongoing harm to my creditworthiness and financial standing.","date_sent_to_company":"2025-08-26T11:32:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"15537072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2025-08-26T11:17:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.286135,"15537072"]},{"_index":"complaint-public-v1","_id":"5314298","_score":14.235812,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX my wife & I went to purchase a used vehicle. We chose a XXXX XXXX XXXX. 45 minutes after the purchase on the freeway the motor almost came out of the car do to bolts missing. We returned to the dealership where the deal was unwound & we picked a new vehicle which was a XXXX XXXX XXXX. We were told myself could not go on the loan because the vehicle was more exspensive & i had no provable income. we purchased the vehicle my wife signed the contract & we left. XXXX, XXXX I received a call from Challenge Financial ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying the truck had defaulted & I owed money. I told them I never signed the contract. They sent me copies of a contact that did not have my signature on it but it was not my signature. The car dealership had added me back to the loan without me being notified & put me on the contract obviously to push it through. I have tried to work with them to resolve this & they have refused everything I have offered including a hand writing analysis. Im truly sick of arguing with them & just want to be released from there fraudulent contract & have it removed from my credit.","date_sent_to_company":"2022-03-14T05:58:48.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"5314298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2022-03-14T05:44:24.000Z","state":"NV","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["XXXX, XXXX I received a call from <em>Challenge</em> Financial ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying the truck had defaulted & I owed money. I told them I never signed the contract. They sent me copies of a contact that did not have my signature on it but it was not my signature. The car dealership had added me back to the loan without me being notified & put me on the contract obviously to push it through."],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.235812,"5314298"]},{"_index":"complaint-public-v1","_id":"3917520","_score":14.235812,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have had the loan for 3 years and my principal balance has not gone down. I tried to call them to ask questions regarding the terms of my loan, but no one has called me back. I asked for a copy of my contract several times and no one has sent it to me or called me back with details of my loan.","date_sent_to_company":"2020-10-26T20:30:30.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92705","tags":"Servicemember","has_narrative":true,"complaint_id":"3917520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2020-10-25T21:36:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.235812,"3917520"]},{"_index":"complaint-public-v1","_id":"3439637","_score":14.235812,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have been financing a XXXX  XXXX XXXX that was involved in a lemon law case the car insterest Im being charge is extremely high and amount due does not match the car value I was sold this car without knowing it had issues with oil consumption and have been having issues since","date_sent_to_company":"2019-11-15T18:25:08.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30907","tags":null,"has_narrative":true,"complaint_id":"3439637","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-11-15T18:09:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.235812,"3439637"]},{"_index":"complaint-public-v1","_id":"3387709","_score":14.235812,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"challenge financial added {$2000.00} extra to my loan, according to them because i didnt have insurance on the vehicle when i got it but i did i dont find fair for me to be paying insurance on their end and at a different insurance company. for me still owing {$10000.00} when the car was XXXX how is it possible for me to still owe more than half of the car. when i been paying it for over 2 years. it was suppose to be a 36 month term and now they added a whole year to it. im already over paying for the vehicle itself for them to try to take advantage of it. i already had way too many problems with this company, i getting really tired of, if it doesnt get resolved i am ready sue.","date_sent_to_company":"2019-09-26T22:42:01.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"91762","tags":null,"has_narrative":true,"complaint_id":"3387709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2019-09-26T22:23:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with paying off the loan"},"highlight":{"complaint_what_happened":["<em>challenge</em> financial added {$2000.00} extra to my loan, according to them because i didnt have insurance on the vehicle when i got it but i did i dont find fair for me to be paying insurance on their end and at a different insurance company. for me still owing {$10000.00} when the car was XXXX how is it possible for me to still owe more than half of the car. when i been paying it for over 2 years. it was suppose to be a 36 month term and now they added a whole year to it. im already over paying for"],"company":["<em>CHALLENGE</em> FINANCIAL SERVICES"]},"sort":[14.235812,"3387709"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35075,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35025},{"key":0,"key_as_string":"false","doc_count":50}]}},"product":{"doc_count":35025,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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