{"took":165,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":641,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15236850","_score":14.771153,"_source":{"product":"Debt collection","complaint_what_happened":"The apartment complex 's collections department contacted me regarding damages that they claim were left after my move-out. I am certain there were no damages, and I have three witnesses to confirm this.\n\nTo verify the claim was for my specific unit, I requested photographic proof and receipts. In response, they sent me low-quality pictures and generic invoice templates from different companies. This raised a red flag. I then requested high-quality photos and invoices from a legitimate contractor. They did not send me anything other than a corrupt file that wouldn't open. When I requested the information again, they forwarded my account to collections. \nI received an email from the debt collector and responded the same day. A few days later, they sent me the same invoices that the apartment complex had previously provided. I again requested pictures, but they never sent them. When a debt collection agent called me, I informed them not to call again unless they could validate the debt and provide high-quality pictures of the claimed damages. I also stated that I was prepared to go to court if necessary. The agent responded with, \" Good luck with that, '' and hung up.\n\nI am now writing this because I have discovered that they have reported this debt to the credit bureaus, and it is negatively affecting my credit score.","date_sent_to_company":"2025-08-12T13:33:36.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"15236850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-08-12T12:59:23.000Z","state":"AZ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["In response, they sent me low-<em>quality</em> pictures and generic invoice templates from different companies. This raised a red flag. I then requested <em>high-quality</em> photos and invoices from a legitimate contractor. They did not send me anything other than a corrupt file that wouldn't open. When I requested the information again, they forwarded my account to collections. \nI received an email from the debt collector and responded the same day."]},"sort":[14.771153,"15236850"]},{"_index":"complaint-public-v1","_id":"10455469","_score":14.575417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC for their repeated failure to process my dispute and their apparent disregard for the Fair Credit Reporting Act ( FCRA ) requirements.\n\nTimeline of Events : 1. XX/XX/year> - Received first response from Equifax claiming documents were illegible 2. XX/XX/year> - Sent requested documents to Equifax 3. XX/XX/year> - Received second letter from Equifax claiming documents were illegible 4. XX/XX/year> - Sent enlarged, high-quality copies of requested documents 5. XX/XX/year> - Received third letter from Equifax, again claiming documents were illegible 6. XX/XX/year> - Sent escalation letter with enlarged, high-quality copies of requested documents 7. XX/XX/year> - Received fourth letter from Equifax, once again claiming documents were illegible Nature of Complaint : 1. Repeated Failure to Process Dispute : Despite multiple submissions of clear, legible, and enlarged copies of my identification documents ( driver 's license and Social Security card ), Equifax has consistently failed to process my dispute, citing illegibility of documents.\n\n2. Potential FCRA Violations : Equifax 's actions appear to violate the FCRA, which requires credit reporting agencies to conduct reasonable investigations and correct inaccurate information promptly.\n\n3. Inconsistent Claims : Equifax claims that the information provided does not match their records, yet simultaneously states they can not read the documents. This inconsistency raises concerns about their review process.\n\n4. Failure to Provide Specific Guidance : Despite multiple requests, Equifax has not provided any specific explanation of what aspects of the documents are illegible or what specific information doesn't match their records.\n\n5. Undue Delay : The repeated cycles of identical responses have caused significant delay in addressing the original dispute, potentially causing ongoing harm to my credit standing.\n\nActions Taken : I have made multiple good-faith efforts to comply with Equifax 's requests, including : - Sending enlarged, high-quality photocopies of requested documents - Submitting an escalation letter detailing the issue and requesting supervisor intervention - Attempting to contact Equifax customer service for clarification","date_sent_to_company":"2024-10-16T01:17:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"799XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10455469","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-16T00:57:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XX/XX/year> - Sent enlarged, <em>high-quality</em> copies of requested documents 5. XX/XX/year> - Received third letter from Equifax, again claiming documents were illegible 6. XX/XX/year> - Sent escalation letter with enlarged, <em>high-quality</em> copies of requested documents 7. XX/XX/year> - Received fourth letter from Equifax, once again claiming documents were illegible Nature of Complaint : 1."]},"sort":[14.575417,"10455469"]},{"_index":"complaint-public-v1","_id":"21205490","_score":13.928736,"_source":{"product":"Student loan","complaint_what_happened":"I enrolled in a cybersecurity program that was misrepresented at the time of enrollment. The program was marketed as a structured, high-quality training program, but the services provided did not match what was promised. Instruction was inconsistent, and I have evidence that instructors were not being paid, which directly impacted the quality and delivery of the program. \n\nDespite this, I am being held responsible for a loan tied to services that were not properly provided. I have disputed this account with the credit bureaus due to inaccurate and invalid reporting. \n\nThis situation has caused financial harm, and I am requesting investigation and removal of this debt, as the services were not delivered as agreed.","date_sent_to_company":"2026-04-13T23:02:34.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"80126","tags":null,"has_narrative":true,"complaint_id":"21205490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EDvantage LLC","date_received":"2026-04-13T22:49:39.000Z","state":"CO","company_public_response":null,"sub_issue":"Confusing or misleading advertising"},"highlight":{"complaint_what_happened":["The program was marketed as a structured, <em>high-quality</em> training program, but the services provided did not match what was promised. Instruction was inconsistent, and I have evidence that instructors were not being paid, which directly impacted the <em>quality</em> and delivery of the program. \n\nDespite this, I am being held responsible for a loan tied to services that were not properly provided. I have disputed this account with the credit bureaus due to inaccurate and invalid reporting."]},"sort":[13.928736,"21205490"]},{"_index":"complaint-public-v1","_id":"3589792","_score":13.5622425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been unable to have several loan applications processed because my Transunion records are frozen. They put me on hold and don't answer. Their website has locked me out and won't accept my password because I am no longer a subscriber. I have not received a response to my email. They are deliberately holding my records hostage until I resubscribe. I am trying to obtain a loan ( with a FICO score over XXXX  ) to pay for services that will help me service the current COVID-19 crises. Transunion is preventing me from saving my life with appropriate, high-quality health-sustaining equipment.","date_sent_to_company":"2020-04-02T14:42:49.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"92058","tags":null,"has_narrative":true,"complaint_id":"3589792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-02T14:26:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Transunion is preventing me from saving my life with appropriate, <em>high-quality</em> health-sustaining equipment."]},"sort":[13.5622425,"3589792"]},{"_index":"complaint-public-v1","_id":"7196050","_score":13.471268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report , mail with current address, current Credit report with all inaccurate Information notated and highlighted to XXXX XXXX and Equifax Information Services to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. \n\nXXXX XXXX and Equifax Information Services are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.","date_sent_to_company":"2023-07-03T03:18:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89002","tags":null,"has_narrative":true,"complaint_id":"7196050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-03T03:18:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I sent all original <em>high-quality</em> images of my valid ID and SSN card, police report and FTC report , mail with current address, current Credit report with all inaccurate Information notated and highlighted to XXXX XXXX and Equifax Information Services to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents."]},"sort":[13.471268,"7196050"]},{"_index":"complaint-public-v1","_id":"7196063","_score":13.386133,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report XXXX mail with current address, current Credit report with all inaccurate Information notated and highlighted to TransUnion LLC and XXXXXXXX XXXX XXXX to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. \n\nTransUnion LLC and XXXX XXXX XXXX are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.","date_sent_to_company":"2023-07-03T03:18:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89002","tags":null,"has_narrative":true,"complaint_id":"7196063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T02:52:03.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I sent all original <em>high-quality</em> images of my valid ID and SSN card, police report and FTC report XXXX mail with current address, current Credit report with all inaccurate Information notated and highlighted to TransUnion LLC and XXXXXXXX XXXX XXXX to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents."]},"sort":[13.386133,"7196063"]},{"_index":"complaint-public-v1","_id":"6221160","_score":12.727076,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service. \n\nI am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my \" personal information '' being inaccurate, without allowing specifics. \n\nI then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me. \n\nI deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.","date_sent_to_company":"2022-11-18T16:49:35.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"6221160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2022-11-18T16:42:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I deserve equal access to <em>high-quality</em> savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system."]},"sort":[12.727076,"6221160"]},{"_index":"complaint-public-v1","_id":"20207389","_score":12.654614,"_source":{"product":"Credit card","complaint_what_happened":"I made a purchase with a merchant XXXX in XXXX on XX/XX/year> in the amount of {$140.00} for spices, high-quality saffron and some XXXX chocolate bags. Upon returning back to the XXXX we placed the saffron in water, to realize it was basically artificially dyed strands and we did not receive the bags of chocolate we purchased. I started a dispute in the amount of {$88.00} and capital one closed the dispute and charged me back the amount all because the merchant responded stating the goods were provided WITH NO PROOF. How is it that I'm the one paying the annual fee to do business with this merchant and they treat their customers as such. Called to speak to customer service & a manger they disconnect the line & don't even call back. Emailed the CEO and several other staff on the corporate panel with no response back. This is not appropriate!","date_sent_to_company":"2026-03-12T17:20:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"20207389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-12T17:14:53.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I made a purchase with a merchant XXXX in XXXX on XX/XX/year> in the amount of {$140.00} for spices, <em>high-quality</em> saffron and some XXXX chocolate bags. Upon returning back to the XXXX we placed the saffron in water, to realize it was basically artificially dyed strands and we did not receive the bags of chocolate we purchased."]},"sort":[12.654614,"20207389"]},{"_index":"complaint-public-v1","_id":"11823880","_score":12.587038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to Equifax on [ insert date ] with clear and legible supporting documentation, including a government-issued ID and my Social Security card . These documents were provided in high-quality electronic PDF format, ensuring full compliance with Equifaxs stated requirements for identity verification. Despite this, Equifax sent a response on XX/XX/year>, falsely claiming the documents were illegible. This response is not only inaccurate but also appears to be an attempt to delay or avoid addressing the inaccuracies I have disputed in my credit file. The FCRA requires credit reporting agencies to conduct thorough and timely investigations into disputes, but Equifaxs handling of my case falls short of these legal obligations. This type of mishandling aligns with the Consumer Financial Protection Bureaus ( CFPB ) recent allegations against XXXX, which cited similar failures to properly investigate disputes and accurately update credit files.","date_sent_to_company":"2025-01-29T22:27:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19701","tags":null,"has_narrative":true,"complaint_id":"11823880","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T22:08:50.000Z","state":"DE","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These documents were provided in <em>high-quality</em> electronic PDF format, ensuring full compliance with Equifaxs stated requirements for identity verification. Despite this, Equifax sent a response on XX/XX/year>, falsely claiming the documents were illegible. This response is not only inaccurate but also appears to be an attempt to delay or avoid addressing the inaccuracies I have disputed in my credit file."]},"sort":[12.587038,"11823880"]},{"_index":"complaint-public-v1","_id":"21190946","_score":12.060845,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have been locked out of my Coinbase account for approximately 7 weeks due to a 2FA/identity verification loop ( Case # XXXX ). I can log in with username and password, but every attempt to complete 2factor authentication fails because the system forces identity verification that never succeeds. I have submitted multiple high-quality ID photos and support tried multple overrides, but nothing resolved the issue. Support escalated to engineering on XX/XX/XXXX after an hour and 41 minute call, but provided no updates since. \nI own a Coinbase Credit Card and can not access my statements or make payments. Because I am unable to view or pay my balance, I am accruing interest charges and facing potential credit impact. I have spent significant time contacting support with no resolution, and I have not received any ability to access my account or pay my statement in full in in over a month.","date_sent_to_company":"2026-04-13T16:57:08.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"401XX","tags":null,"has_narrative":true,"complaint_id":"21190946","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2026-04-13T16:41:54.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have submitted multiple <em>high-quality</em> ID photos and support tried multple overrides, but nothing resolved the issue. Support escalated to engineering on XX/XX/XXXX after an hour and 41 minute call, but provided no updates since. \nI own a Coinbase Credit Card and can not access my statements or make payments. Because I am unable to view or pay my balance, I am accruing interest charges and facing potential credit impact."]},"sort":[12.060845,"21190946"]},{"_index":"complaint-public-v1","_id":"13841953","_score":11.973893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) and related provisions. Although the disputes I filed with Equifax are still pending and have not yet been resolved, I am filing this complaint proactively due to serious concerns about the integrity of Equifaxs dispute process. \n\nOn XX/XX/year>, I filed disputes with Equifax regarding XXXX tradelines on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As part of the disputes, I uploaded color, high-quality PDF documents electronically, which were legible and critical to support the validity of my claims. These documents contained material evidence demonstrating the presence of inaccuracies and misrepresentations by the furnishers. \n\nToday, I spoke with an Equifax representative regarding my dispute submissions. During the conversation, I was informed that select pages of my supporting documentation are not legible. The representative confirmed that the version of my documents processed by Equifax has been altered, and that key evidence is not readable by their systems or by the furnishers responsible for reviewing the disputes. These pages were essential to a fair and thorough reinvestigation. \n\nI was further advised that I must wait for the current dispute process to complete before I am allowed to submit additional documents. However, Equifax could not guarantee that new documents would retain their original quality, and acknowledged the same risk of degradation in resolution, color, and legibility. This means I may never have a fair opportunity to present material evidence in support of my claims, despite submitting high-quality files. \n\nThis process undermines my right under FCRA 1681i ( a ) ( 1 ) ( A ) to a reasonable reinvestigation. Equifaxs failure to maintain the quality of my documents during the dispute process makes a reasonable investigation impossible, as critical information is effectively excluded. In addition, FCRA 1681e ( b ) requires consumer reportin\ng agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. Equifaxs systemic alteration and mishandling of consumer-submitted evidence fails to meet this standard, and impairs the accuracy and fairness of the dispute outcome.\n\nFurther, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, Equifaxs actions may constitute an unfair or deceptive practice, as they prevent consumers from understanding or correcting inaccuracies in their credit reports by misrepresenting the way their documents are reviewed and handled.","date_sent_to_company":"2025-06-03T00:45:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13841953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-03T00:24:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, Equifax could not guarantee that new documents would retain their original <em>quality</em>, and acknowledged the same risk of degradation in resolution, color, and legibility. This means I may never have a fair opportunity to present material evidence in support of my claims, despite submitting <em>high-quality</em> files. \n\nThis process undermines my right under FCRA 1681i ( a ) ( 1 ) ( A ) to a reasonable reinvestigation."]},"sort":[11.973893,"13841953"]},{"_index":"complaint-public-v1","_id":"5960497","_score":11.838452,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I own an American Express XXXX XXXX XXXX and have been a customer of American Express for over XXXX XXXX \n\nMy credit card account is always paid in full and has been on autopay. For some reason, it was not on this month and the payment did not post immediately I was charged a {$29.00} dollars fee on XX/XX/XXXX. I did not receive any notification of the set fee. While checking my accounting two days later, I discovered the charge and immediately paid my entire balance and contacted American Express. I explained what happened and requested the fee to be refunded since I am a long-time customer and even have a significant amount of cash in their savings account. \n\nThe response received was \" you don't qualify '' as I inquired as to why I was told that there are many variables and the system just denied it. \n\nNeedless to was this is very disappointing and difficult to accept that a company like this is not willing to provide high-quality customer service regardless of whether you have been a very long-term customer.","date_sent_to_company":"2022-09-08T14:58:49.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"5960497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-09-08T14:21:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Needless to was this is very disappointing and difficult to accept that a company like this is not willing to provide <em>high-quality</em> customer service regardless of whether you have been a very long-term customer."]},"sort":[11.838452,"5960497"]},{"_index":"complaint-public-v1","_id":"9952020","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Well to start I came to review my car options and how they operate I had to apply before I could know which car I qualified for. I explained to the sales person I was looking at other options for cars but the sales person told me dont get a car from them just get this car I told them I wanted time to think about this but she convinced me this was a nice car and I stupidly trusted them. All I was told was how much I need down for the car and when I asked what the total amount of the car was I was told I am in a credit building program and this would help my credit misleading me. I was not given paperwork break down of what the apr was or even the finance charge when I signed my initials on the lease agreement I was given some blank command prompt to add my signature and this transferred over to the paperwork I was never given the printed paperwork until after it was already signed. The very next day of riding the vehicle there was an engine light coming on I go get it checked they say the car had a bad catylac converter and this is when after reading my car loan paperwork I was told that I have been completely overcharged for the vehicle I was financed that came with major problems. The cars value is only about XXXX in good condition unlike mine but I was sold the car for double that at XXXX the vehicle isnt even worth this price and had cosmetic damage. Then on top of this additional XXXX over the car value I was being charged a high interest rate for no reason 24.49 % and my credit was about a XXXX when I applied adding a XXXX interest on top. So monthly it says my bill is XXXX only XXXX of that goes towards the payment on my loan which they have been fluctuating monthly and the interest off XXXX goes to them which I dont understand how the interest amount changes monthly I believe I am being scammed corrupted and robbed by this company and they need to be stopped. From the car lot charging double of value to this car to the loan company having sketchy tactics since I payed my first bill the amount it went down to {$16000.00} then now two months later my balance is XXXX which I dont see how it is going up after I made payments. The signatures I made you can clearly seen were done from a computer not by hand.","date_sent_to_company":"2024-08-27T19:25:32.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"48310","tags":null,"has_narrative":true,"complaint_id":"9952020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-08-27T18:54:36.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["Then on top of this additional XXXX over the car value I was being charged a <em>high</em> interest rate for no reason 24.49 % and my credit was about a XXXX when I applied adding a XXXX interest on top."],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"9952020"]},{"_index":"complaint-public-v1","_id":"8816750","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The car company I have is credit acceptance I told them that I could make the payment the payment were too high I told them several times to come get the car the police repossessed the car because of the tolls I told them that the price they set was too high the car place that did the care loan was XXXX XXXX she scammed me out of XXXX for down payment and credit acceptance knew I couldnt pay it was too much .also since I had the car it had many problems and I keep taking my car back and court and telling the bank they did nothing","date_sent_to_company":"2024-04-21T03:13:36.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"10303","tags":null,"has_narrative":true,"complaint_id":"8816750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-04-21T03:04:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["The car company I have is credit acceptance I told them that I could make the payment the payment were too <em>high</em> I told them several times to come get the car the police repossessed the car because of the tolls I told them that the price they set was too <em>high</em> the car place that did the care loan was XXXX XXXX she scammed me out of XXXX for down payment and credit acceptance knew I couldnt pay it was too much .also since I had the car it had many problems and I keep taking my car back and court and"],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"8816750"]},{"_index":"complaint-public-v1","_id":"8068919","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX  I purchased a vehicle from XXXX. As a customer I was treated differently than the rest of other customers. I was denied the right to bring legitimate documents from my local financial bank to secure a loan with ( ACA ) instead XXXX swindle me and used aggressive tactics by insisting that I had to pull my bank statements and check stubs up from there office computer. By doing so it put my credit and identity at high risk. This is a breach of security. Also as a customer I received poor service XXXX failed to honor the warranty that came with the vehicle and also XXXX failed to submit the warranty in the binding contract with the lean holder ( ACA ) and the insurance company. I have had a significant amount of on going i problems within the time frame of the warranty parts was changed on the vehicle that did not fix the issue and also damage was done to the part of the vehicle where XXXX installed the part I told the XXXX service advisor he than denied me the appropriate accommodations with the repairs of the vehicle XXXX then submitted a work order to XXXX XXXX to address the issues with the vehicle I took the car into XXXX XXXX and the only thing they did was replace the key forbe. They did not address the damage or the part installed by XXXX service technician. No one reached out to me this is still a ongoing problem. I have filled a complaint previously to CFPB concerning the electronics/Bluetooth in the vehicle it is to my concern that the vehicle has custom installments done to the vehicle by previous owners which causes the electronics to sync with other controls and function that causes the vehicle to be inoperable at times Due to there Negligence and poor customer service im suffering and seeking impurities damage. These issues left me with a vehicle that I did not take a loan out for I was took advantage of...","date_sent_to_company":"2024-01-04T20:43:47.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"8068919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2023-12-28T15:36:23.000Z","state":"GA","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["By doing so it put my credit and identity at <em>high</em> risk. This is a breach of security. Also as a customer I received poor service XXXX failed to honor the warranty that came with the vehicle and also XXXX failed to submit the warranty in the binding contract with the lean holder ( ACA ) and the insurance company."],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"8068919"]},{"_index":"complaint-public-v1","_id":"8015408","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX Toyota of XXXX XXXX WI XXXX XXXX would not provide the necessary documentation to my bank to cut a check for a loan I was approved for. They said they would not accept outside financing for a vehicle purchase and attempted to force me to sign for a predatory loan double the APR of the one my bank would provide. \n\nI submitted a build order in XXXX and they would also not move the sale forward until I signed a form which included \" optional accessories '' I did not want including a protective coat called XXXX. I asked if I could have this removed at time of sale and they said yes I could. \n\nWhen I said I had financing they were noncommittal on accepting it and said I should just take theirs and refinance later. \n\nWhen the vehicle was ready these both turned out to be lies. They said I had to pay {$4000.00} for XXXX or I could not have the car. They have also turned down several people using outside financing. \n\nI felt this was a scam and did not go through with the deal and lost the car.","date_sent_to_company":"2023-12-18T03:16:48.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"53027","tags":null,"has_narrative":true,"complaint_id":"8015408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-12-18T03:09:43.000Z","state":"WI","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"8015408"]},{"_index":"complaint-public-v1","_id":"7310679","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I just received in the mail a new response to my complaint. It`s still the same thing over and over again! Wells Fargo Auto Finance continues to attach a Loan Aplication with my alleged 'signature on it in three places. This is not my signature, and I do not have a copy of this. \n\nI looked at this page on the evening of the sale at XXXX XXXX XXXX, I refused to sign it as it had misinformation regarding my income. Upon return from a test drive, I was told the loan went through, i was confused. My credit score at the time was only XXXX. Also, Wells Fargo Auto Finance keeps using this as alleged proof for their loan. \n\nWritten or typed amounts for income are not enough to allow a loan of this size to be distributed. There are no 6 months of Bank Statements showing Proof of my Income. I`ve contacted a free attorney as I qualify under the ADA for one. This is fraud, and Wells Fargo Auto Finance should know better.","date_sent_to_company":"2023-07-26T14:21:28.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32119","tags":"Older American","has_narrative":true,"complaint_id":"7310679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-07-26T14:10:53.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"7310679"]},{"_index":"complaint-public-v1","_id":"7024033","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose. \n\n\n\nI would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.\n\nECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.","date_sent_to_company":"2023-05-24T19:57:54.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"7024033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-05-24T19:50:29.000Z","state":"GA","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"7024033"]},{"_index":"complaint-public-v1","_id":"6904891","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On Friday XX/XX/XXXX, My wife and I applied for an auto loan for a new 2023 Tesla Model Y with XXXX XXXX XXXXXXXX and other lenders to see where I can get the best rate. My wife works for XXXX XXXX XXXX. The loan was done via online and then we got the chance to speak to a Loan officer named XXXX XXXX. No relation to me. She explained that we got approved for the loan. I told her that the delivery date for the Tesla was Saturday XX/XX/XXXX, pending inspection of vehicle and taking delivery of vehicle of course. I wanted to lock rate so she sent us the loan documents to sign. I read the terms and conditions and expectation was that the loan would be funded at delivery of vehicle to my wife and I. I also had other pre-approvals so we had options on who we were going to go with. XXXX never expressed or explained that by signing the loan docs that we were agreeing to fund the loan prior to driving the vehicle, inspecting the vehicle or even signing the Purchase Agreement with Tesla to finalize the purchase of the vehicle. In previous experiences once we sign the loan documents we either receive a cashiers check or paperwork to then go to dealer to finalize purchase price, warranties, etc .... \nLong story short, we had an emergency and could not take delivery of vehicle. I contacted Tesla to reschedule. They mentioned there was no problem and they would just release the vehicle to next buyer and that I would have to wait for next vehicle. I was in no rush. My son 's health was more important to me at that time. Plus from my understanding an approval from bank was good for 30 days. So Monday XX/XX/XXXX I open my XXXX XXXX XXXXXXXX application to send a XXXX payment and I noticed an auto loan reflecting for the amount of {$50000.00}. I assumed it was a mistake so I contacted XXXX XXXX XXXXXXXX to let them know that the loan was reflecting on my app. They inform me that the loan was funded. I questioned how? I told them I never received delivery of vehicle. I also never got the chance to go to dealer and finalize the purchase agreement with them etc. They claimed that a signed purchase agreement was not necessary because I signed the loan documents. I was confused because loan documents are one thing and agreement with dealer is another. So basically they funded an unsecured loan since I did not have a vehicle in my possession. They said all they could do was submit to cancel the loan and that my wife and I would need to re-apply again which I found to be disheartening since we already had applied and didn't want to continue to submit inquiries on our credit report. I asked if the loan would appear on our credit report and they said that it would show as an open loan and then a closed loan. In doing so that would affect our credit score even more. I asked them why they would have a process that seemed backwards and why the rush in funding a loan? They said that because its digital that thats how their process is. I said then you should have made it clear not to sign the loan documents until after I take delivery of the vehicle because on the contract all it stated was the terms of the loan and conditions but from my understanding and previous experiences that would take place after delivery of the vehicle not prior. Tesla had set their expectations as well. Anyways, XXXX XXXX XXXXXXXX then said I had to call Tesla which I did and that they had to return the money. Tesla said the loan should have never been funded and they would email a specific department. Then they said I had to speak to XXXX XXXX XXXXXXXX to cancel the loan. Got a hold of the Auto Ops department on Tuesday XX/XX/XXXX and they said that they will cancel the loan and it will take up to 7 days. I asked why the loan wasn't canceled on the XXXX since that was when I communicated with the loan officer and they said they did not see that she had canceled the loan. Now we are just in a bad predicament and feel like everything was rushed, not sure if it was done to reach end of month quota but the optics of everything feels that way. We have never experienced anything like this before. I have the non singed purchase agreement from Tesla. I have the signed loan docs from XXXX XXXX XXXX which to our understanding was to ensure we locked the rate and expressed loan rate, months etc at time of vehicle delivery. I called XXXX on Wednesday XX/XX/XXXX and expressed that I wanted to escalate the situation. I received a call from a supervisor 2 days later which was this morning. No urgency. He gave me same excuses on how their process is. I explained that their process seems to hurt consumers. It does not protect them. For example, rushing to funds a {$50000.00} loan to a dealer, a private party etc without a customer having the vehicle in possession may cause harm and loss of funds to borrower. In no way, shape or form should a loan be funded without a final signed purchase agreement or at least without the delivery of the vehicle. In doing so, you're putting the consumer in a forced situation to take delivery of the vehicle because if they do not then their loan which should not have been funded prematurely will be closed and they will have to re-apply again. This process and experience has caused a lot of XXXX. Has put us in a situation where our credit score may be greatly affected and the ability to continue with the purchase of the vehicle ( which we are waiting on next vehicle ) may be compromised if our credit report reflects a recently opened auto loan or our score drops affecting other pre-approvals that we currently have. This process needs to change. It should be tailored to protect their customers and not put them in difficult financial situation. It should make the purchase of a new vehicle seamless and not confusing and non traditional. We would receive a cashiers check and had purchase power when negotiating with a dealer when we signed loan docs. In this digital age it seems as if they are putting the carriage before the horse. If it is digital then they should give us the ability to inspect vehicle , drive it, accept the delivery of it and finalize everything with dealer. At that point the loan can get funded digitally just like they want. Lets change this process and protect borrowers. Not hurt them.","date_sent_to_company":"2023-04-28T19:54:58.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"6904891","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Tesla, Inc.","date_received":"2023-04-28T18:39:02.000Z","state":"FL","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6904891"]},{"_index":"complaint-public-v1","_id":"6858301","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My complaint is because XXXX XXXX XXXX and Exeter Finance sold me an unsafe car with the warning error sign on the dashboard and the car sometimes switch from automatic to manual transmission by itself and would get slower and lock up the car while I'm driving in traffic ... the sale man and mechanic said to buy a new battery... .and I did, but it doesn't work well. I feel like the car is unsafe. THEY SAY THAT EVERY CAR IS SENT THROUGH A CHAIN LINE INSPECTION and 100 % APPROVED BEFORE BEING PUT IN THE CAR LOT FOR PURCHASING, SO IF THIS IS TRUE, WHY WAS I SOLD A CAR WITH THE WARNING SIGN ON THE DASHBOARD AND THE AC UNIT TO BE FIXED, THESE PROBLEMS SHOULD HAVE ALREADY BEEN IDENTIFIED AND FULLY ADDRESSED BEFORE BEING PUT OUT ON THE LOT TO BE SOLD ), which shows it didn't meet the standards to be sold in the first place. \nOn XX/XX/2022 I financed a car from XXXX XXXX XXXX, WHICH I HAD TO PAY {$2000.00} dollars UPFRONT, by law it say if I get a loan from a financing company that I don't have to put any money as a down payment, and which XXXX XXXX made me pay a down payment of {$2000.00} dollars... The salesman sent me to the back of the shop for the mechanic to fix the warning sign on the dashboard, after 5 hours, he could not get it fixed... the mechanic then went into the dealership and told the sales man something ... ..the sale man then came outside and told me that the ac doesn't work. And he will get it fixed... .I said yes for sure do it ... ... the mechanic took the car back to the shop and bought it back and gave the keys to the salesman, ( So the salesman came in back inside the dealership with the final sale papers and said, it's fixed, so I put my signature on the paper ), We then walked out to the car, then the salesman told me he doesn't have the original keys to the car So he got one made ... .I said ok ... .he then started up the engine... ..when he did the warning error sign was still there... ..and I already signed the final sale papers.. the salesman told me to come to get it fixed on two occasions and it was never fixed, I just got the run around. I tried to negotiate with the General Manager but he was very rude and confrontational, and I didn't get a chance to explain why I thought I deserved to have another car, ( THE GENERAL MANAGER TOLD ME THAT I HAVE A WARRANTY AND, WHY DO I NOT USE IT ) ..but why should I use it when this company says ( THAT IS PUTS ALL ITS CARS IN A CHAIN LINE INSPECTION WHERE THEY ARE FULLY INSPECTED AND 100 % FULLY FUNCTIONAL BEFORE IT'S PUT OUT ON THE LOT TO BE SOLD. ) ( XXXX XXXX WANTS ME TOO TO COME IN AND TRADE THE CAR IN, NOT FOR ANOTHER ONE BUT TO SEE IF ANOTHER LENDING COMPANY WILL GIVE ME ANOTHER LOAN, ONLY TO ADD IT ON TO THE EXISTING LOAN I ALREADY HAVE WITH EXETER FINANCE, I REFUSED TO DO SO, BECAUSE IT DOESN'T HELP ME AND THAT ONLY ADDS MORE MONEY UNTO THE LOAN THAT I ALREADY OWE. ) I have a complaint in their system... .. Now this is about Exeter Finance ... ( IN THE STATE OF FLORIDA , BUY LAW IT SAYS THAT THE MAXIMUM APR THAT A LENDER CAN CHARGE ME IS 18 % AND EXETER FINANCE IS CHARGING ME 23.44 % APR ... .. AND {$14.00} INTEREST PER DAY ... AND I'M PAYING {$590.00} PER MONTH ), Please help me, you guys are my last hope, I don't know what to do as my head is under water with these payments I can't seem to start paying the principal as every month I keep getting into more debt with Exeter Finance and my payment are only going towards interest, I owe more money now, more than the actual loan given to me by Exeter Finance , which is ( {$2300.00} ), because of very high interest rates. please help me I don't know what to do next, I need help.","date_sent_to_company":"2023-04-18T15:41:18.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"6858301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-04-18T14:26:23.000Z","state":"FL","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["AND I'M PAYING {$590.00} PER MONTH ), Please help me, you guys are my last hope, I don't know what to do as my head is under water with these payments I can't seem to start paying the principal as every month I keep getting into more debt with Exeter Finance and my payment are only going towards interest, I owe more money now, more than the actual loan given to me by Exeter Finance , which is ( {$2300.00} ), because of very <em>high</em> interest rates. please help me I don't know what to do next, I need"],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6858301"]},{"_index":"complaint-public-v1","_id":"6712438","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and was told I had to have Gap coverage in order for Wells Fargo to approve my loan which I didnt understand at the time because I had my own insurance and couldnt afford additional coverage but was told since I had a high interest rate my insurance wouldnt cover the loan in full if I was in a accident because my vehicle would be upside down and I would owe more then what the car was worth so thats when I signed the policy for Gap insurance in the amount of {$990.00} extra that would be attached to my auto loan/contract per Wells Fargo Bank which I learned today when I contacted Gap to cancel my policy since my car has been charged off as of XX/XX/XXXX and was told to get another loan, trade it in for another car or sell it so I can give them their money which i feel has been wrongfully charged off when Ive attempted to pay them on a few occasions or defer my payment which they didnt approve or accept any of my payments or did their customer rep help me with seeing that my payment would be collected instead she laughed at me while I was crying on the phone trying to get my payment to the bank so my car wouldnt be charged off but they didnt care. When I called Wells Fargo executive today to find out the pay off they gave me a incorrect amount and didnt deduct the extra amount for Gap Ins and was told per XXXX that because car was charged off I may not get a refund or I may have to pay a penalty which was incorrect & was told from Gap that was not true. They are a separate company which is my choice to pay this additional amount. I cancel my Gap ins and immediately contacted XXXX who was now very nice and apologized for being told this was mandatory. She will further investigate this matter that was not handled properly and how dare them treat me this way especially because Im on XXXX and live on a fixed income which I told XXXX XXXX but cant afford Any additional fees not necessary which is proof this policy was not needed and was an option but according to the finance dep it was necessary in order, to secure my car loan.","date_sent_to_company":"2023-03-17T08:27:04.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"6712438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-03-17T07:06:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and was told I had to have Gap coverage in order for Wells Fargo to approve my loan which I didnt understand at the time because I had my own insurance and couldnt afford additional coverage but was told since I had a <em>high</em> interest rate my insurance wouldnt cover the loan in full if I was in a accident because my vehicle would be upside down and I would owe more then what the car was worth so thats when I signed the policy for Gap"],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6712438"]},{"_index":"complaint-public-v1","_id":"6626308","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"During XX/XX/XXXX I went into the advantage XXXX XXXX XXXX XXXX in XXXX XXXX with {$5000.00} to make a purchase for a vehicle and I work with the salesman XXXX XXXX. \n\nI arrived at the car dealership with myself and my two children I let him know that I wanted a new vehicle and how much I had to put down as a down payment he immediately told me there was only one vehicle that he could show me and demanded that I pay him {$2500.00} out-of-pocket through XXXX XXXX and then I paid XXXX to the dealership because that was the only way I would be able to get the vehicle. \n\nAbout 30 days later exactly the car went out. I demand it at the dealership come and pick up the vehicle from my driveway and return my money and they refused to they only offered to fix the car which they took to two or three different car shops in the car was still never truly fixed. iKn addition, it was in the shop for over four months after that it got out of the shop for about 30 days and was in the shop again for another month over the course of eight months, I was only able to physically drive the car two and fell behind drastically on the cardinal and ultimately the account was charged off and the car was repossessed. \n\nThe vehicle in question is a XXXX XXXX XXXX I spent over {$5000.00} at the car dealership that day and the contract that was drafted up by the salesman and finance department only reflects {$3000.00} I'm demanding that this contract is null and void and this be removed from my credit immediately this dealership practiced fraudulent lending. They committed consumer fraud and this needs to be removed from my credit immediately because I'm a vulnerable buyer and I was taken advantage of.","date_sent_to_company":"2023-02-27T06:38:29.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"60435","tags":null,"has_narrative":true,"complaint_id":"6626308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2023-02-27T06:05:45.000Z","state":"IL","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6626308"]},{"_index":"complaint-public-v1","_id":"6461399","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have an auto loan with USAA Federal Savings bank. The 2012 XXXX XXXX struck a deer last Friday. XXXX XXXX told me I had to let them tow my truck to XXXX XXXX in XXXX, KY, because the adjusters want to look at several vehicles at the same time. For cost savings. XXXX XXXX insurance contacted me with the results. They deemed my truck as a total loss. XXXX XXXX states in the email that I only have 2 days to send them my truck title. I asked the claims representative with XXXX XXXX, what the cost was for myself to buy back my truck. I was told that it would cost me XXXX to buy my truck back and it had XXXX in damages. That's impossible if you do the math. XXXX XXXX must have contacted my bank without my permission to get details on the current payoff of my vehicle loan. XXXX XXXX came up with the payoff value within 1 monthly payment. I also paid for \" Better Car Replacement ''. XXXXXXXX XXXX basically figured out my loan payoff and ran the numbers to come out an estimated XXXX after they applied the better car replacement. They under valued the 1 year newer vehicle. and basically are ripping me off a several XXXX dollars. How can they say my current truck is valued at estimated XXXX with XXXX in damages then tell me I have to pay XXXX to buy it back. With the current vehicle value at estimated XXXX. The buy back cost should at an estimation of XXXX not XXXX the truck actually has about XXXX in damage. Its not totaled. Someone is taking advantage of me and my pristine truck with fully loaded. The next problem I am running into, is I found a replacement vehicle 2 years newer for sale a few XXXX cheaper than the XXXX  model that was deemed total loss. XXXX XXXX claims representative told me on the phone that he would immediately contact usaa so that I could purchase the replacement vehicle without having XXXX trucks on my loan valuation. Meaning, the totaled truck that XXXX XXXX is supposed to be paying off would not show up on my credit report or cause a problem with the banks scoring of my new auto loan. I explained in detail with the loan officer. The loan officer at USAA did not consider that my total loss vehicle was being paid off, and pre approved a loan with over 17 % interest rate. USAA used the information that I provided to them, not to give me sound solid advice about how or what to do about financing a vehicle when I need a vehicle to drive since XXXX XXXX took my truck to salvage yard, but instead USAA decided to take advantage of my situation and is trying to rip me off with an outrageous interest rate and loan terms. They are predatory lenders. A fair interest rate would be at 6.9 % for 72 months if they where actually honest in anyway what soever. XXXX XXXX should pay off the full balance of the loan for the total loss vehicle, plus the difference in value for 1 year newer vehicle of the identicle make and model.","date_sent_to_company":"2023-01-20T05:27:48.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"6461399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-01-20T04:52:59.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6461399"]},{"_index":"complaint-public-v1","_id":"6457332","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XXXX of 2020, my husband and I went to XXXX XXXX in XXXX, CA to purchase a vehicle for my husband so that he could work and also have a safe vehicle to transport our brand new baby. He is self-employed as a painter and needed a truck that could fit his work needs, but also be safe for our daughter. \n\nI expressed to the owner of the dealership that I knew our credit was less than stellar, but that I had excellent income and we had willing co-signers. They had one vehicle that matched our needs. Through a long day of supposedly checking the all the creditors they commonly used, and making it seem they were working very hard to get us approved, they eventually offered us a very high interest rate loan with my father in law ( who has perfect credit and excellent income ) as the primary and myself ( excellent income, poor credit ) as the co-signer. We felt due to the pressure put on us to accept this loan that this was the absolute only way we would get a vehicle ( which we desperately needed- my husbands current truck could not hold a car seat. ) So we accepted. \n\nWe found out after the fact that the ONLY loan agency she had contacted was Credit Acceptance Corporation and that this womans father was the loan officer. In hindsight, we are realizing that we were taken for a metaphorical ride, because she knew how badly we needed this vehicle. There is no reason with someone as credit worthy as my father in law being the primary on the loan that we should have the exorbitant interest that we have tacked onto this truck. We are paying a new truck payment on a 12 year old truck. We were also told that we HAD to buy gap coverage through them in order to get the loan. We expressed that our plan would be to refinance the loan to get a better interest rate in the future when our credit improved, and despite the owner of the auto dealership knowing we couldnt refinance a truck that was more than ten years old, she said oh thats a good idea. Now we are stuck with a terrible loan we cant refinance. At the end of the day, we did sign the paperwork, but we feel that we were absolutely lied to, taken advantage of and that these loan practices where the auto dealership finances with a lender who is an immediate family member can not be ethical. The amount of money we have paid in interest on this loan sickens me, and we are now in a place, despite making all the very large payments on time, that the truck is worth less than we owe on it. We are frustrated and feel this shouldnt be allowed to happen.","date_sent_to_company":"2023-01-19T22:46:27.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"6457332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-01-19T22:23:49.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["Through a long day of supposedly checking the all the creditors they commonly used, and making it seem they were working very hard to get us approved, they eventually offered us a very <em>high</em> interest rate loan with my father in law ( who has perfect credit and excellent income ) as the primary and myself ( excellent income, poor credit ) as the co-signer."],"sub_issue":["<em>High</em>-pressure sales tactics"]},"sort":[11.231995,"6457332"]},{"_index":"complaint-public-v1","_id":"6397420","_score":11.231995,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I XXXX XXXX did an application in good faith and extended my credit under the impression that I would leave XXXX XXXX car lot with a car. \nGlobal lending was the bank that pre-approved me for said loan. \nOnce the car salesmen XXXX came back to me after submitted my application, he stated that they would need a down payment of $ XXXX {$1000.00}. \nBut the XXXX advertisement that XXXX XXXX posted on said nothing about a down payment. The false Ad stated they could put you in a car no matter what XXXX down if not then they'll pay you {$500.00} if they couldn't. So, I left the lot due to him asking for a down payment. Once I made it home, I called global Lending Services and spoke with a few people. I needed my application number. I went back to the dealership to get my application number. The owner XXXX XXXX gave me the run around about my application. We proceeded into a conversation i stated that they were in fact breaking the law. Once I made it back home, I called Global Lending again. The down payment had drastically changed to {$8000.00}. The last person I spoke with stated that I did in fact get an approval for {$20000.00} but also stated that Global Lending did not in fact require a down payment of {$8000.00}. He stated that the dealership was asking for said down payment. My Question is where is my CAR!!! Due to the fact that I extended my credit in good faith and received nothing from it is a VIOLATION of my consumer rights due to the fact that my credit alone is in fact my payment. From my understanding the dealership can not charge extra fees during a CREDIT TRANSACTION. I have not received any benefit and this is an issue that needs to be fixed immediately. \nThey also never received my consent to pull my consumer report that is only for criminal background reporting anyway.","date_sent_to_company":"2023-01-04T20:36:21.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"6397420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2023-01-04T20:09:14.000Z","state":"AR","company_public_response":null,"sub_issue":"High-pressure sales tactics"},"highlight":{"sub_issue":["<em>High</em>-pressure sales 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