{"took":64,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8857307","_score":18.507086,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to lodge a formal complaint against General Motors Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. \n\nI have diligently pursued resolution of this matter through direct communication with representatives of XXXX XXXX XXXX, including engagements with the company that the vehicle was purchased from ( XXXX XXXX ). However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. \n\nFurthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service ( IRS ) and the said vehicle was repossessed at the beginning of XXXX year of XXXX without responding to the Debt Validation letter sent around XXXX of XXXX. \n\nThe actions, or lack thereof, undertaken by General Motors Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. \n\nIn light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of General Motors Financial with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.","date_sent_to_company":"2024-04-25T22:50:54.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"8857307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-04-25T21:52:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of General Motors Financial with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account."],"company":["General Motors Financial Company, Inc."]},"sort":[18.507086,"8857307"]},{"_index":"complaint-public-v1","_id":"7380501","_score":16.393555,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue. \n\nMy vehicle, covered under the manufacturer 's warranty, has been experiencing serious safety concerns. Due to these issues, I have left my vehicle at an authorized Toyota repair shop for an extended period. Unfortunately, the manufacturer has been unable to obtain the necessary parts in a timely manner, causing significant delays in the repair process. \n\nIn order to protect my consumer rights, I have filed a lemon law buyback claim with the Virginia State Attorney General 's Office and Lexus Corporate Office, the parent company of Toyota. These actions were necessary to address the ongoing safety and quality issues with my vehicle. \n\nGiven the uncertain timeline for the resolution of my lemon law buyback claim, it is unfair for Toyota Motor Credit to refuse a temporary extension to my account. It is unjust for a customer to be held responsible for making payments on a vehicle that is currently deemed unsafe to drive, especially when the manufacturer is unable to promptly provide the necessary repairs. \n\nI urgently request your intervention in this matter. I implore Toyota Motor Credit to immediately defer the upcoming 3-4 months ' payments until a final decision is made regarding the buyback claim. This will prevent further damage to my credit score and ensure that I am not burdened with financial obligations for a vehicle that can not be safely operated due to the manufacturer 's inability to obtain necessary parts in a timely manner. \n\nI trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and work towards a fair resolution. \n\nThank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. If you require any additional information or documents. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-08-10T14:07:30.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"22206","tags":null,"has_narrative":true,"complaint_id":"7380501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-08-10T14:01:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau Subject : Complaint against Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Toyota Motor Credit regarding their refusal to offer an extension to my account despite my vehicle being in the shop for over a month without repair by the manufacturer. This unfair practice has significantly affected my credit score, and I seek your assistance in resolving this issue."],"company":["TOYOTA MOTOR CREDIT CORPORATION"]},"sort":[16.393555,"7380501"]},{"_index":"complaint-public-v1","_id":"5224729","_score":16.11956,"_source":{"product":"Debt collection","complaint_what_happened":"I have an injury committed by GENERAL MOTORS FINANCIAL towards me. I sent GENERAL MOTORS FINANCIAL , INC. a letter CERTIFIED MAIL NUMBER # XXXX on XX/XX/2022 requesting my credit balance refund Pursuant to 15 USC CH 41 1666 ( d ) also Pursuant to 12 CFR 226.11, GENERAL MOTORS FINANCIAL did not respond and now I am contacting the CFPB to help with the validation of debt, as GENERAL MOTORS FINANCIAL , INC. stated that I owe an alleged debt. I called XX/XX/XXXX to get a response as to why nothing was sent regarding the letter about the credit balance refund. I received an email on XX/XX/2022 thinking this email was regarding the response to my letter. It was not, I called on XX/XX/2022, responding to the email that was sent to me by XXXX XXXX. I called and asked about the refund, and no one was able to respond. I asked if my letter was received and I was told it was received on XX/XX/2022, and no written communication as requested has been given as of yet. I called again XX/XX/2022 and spoke to XXXX who was professional and informed me that she couldnt assist me on the number I dialed in her department that a manager would need to handle the call. She stated someone would call me back and I agreed on a 1 time phone call. I received a call back from XXXX XXXX Manager He stated he didn't want the call recorded and I stated as well that I did not want the call recorded and he stated \" we do this for quality assurance '' I stated that \" I do my recording for quality assurance '' He stated he didn't know me and that he doesn't have to be recorded '' I stated that I didn't know him and I choose to not be recorded. '' He said \" I will submit a request '' I stated \" A request? '' I do not want the call recorded period. I asked to speak to someone else who didn't want to be combative, but actually move forward with the call. He stated \" it looks like you are working with an attorney so you don't need to record the call '', I stated \" who informed you that I was being represented by an attorney? '' He stated well it assumes that you are based on the paperwork. '' I asked to speak to another supervisor immediately. He refused several times to get me another manager. I asked him several times for clarity, \" are you refusing to get me another supervisor? '' He said \" you can call back '' and informed him that \" I am already on the phone. I am not calling back, you can get me to another supervisor now that I am on the line already. '' Eventually he said \" ok '' put me on hold and came back and said \" no one else was available '' and asked if they could call me back I replied \" I am authorizing a one time call back, yes ''. He said ok someone will call you back. At XXXX cst I finished an email and sent it to XXXX XXXX to inform her of my encounter with her agents and questions about the refund and that no one had returned the call after her agent XXXX XXXX practices deceptive acts and misleading me attempting to make me think someone would call me back. GM financial closed at XXXX cst. XXXX didn't put in a request to have someone call me back. This is unacceptable and goes against GENERAL MOTORS FINANCIAL values and ethics. I have yet to receive a phone call back about the matter nor has anyone responded to the email I sent to XXXX informing her agent didnt put any request in to call me back to handle the payment arrangement. Called GENERAL MOTOR FINANCIAL , INC. again on XX/XX/2022 and spoke to XXXX XXXX who didnt have any way of helping me with a response to the letter I sent in communicating the credit refund. She wanted to pass me over to another department that handles refunds in the customer service department. I asked to speak to a manager in that department. She stated she would have one give me a callback and in the meantime we would wait for a supervisor in the customer service department that helps with refunds. XXXX XXXX returned from hold stating, They had a long wait, and she submitted the request for the supervisor to call me back to talk about the assistance program. I received a call back from XXXX XXXX XXXX and informed him that I was calling pertaining to my refund ; however, I was informed by XXXX XXXX that this department could not help me. It would be best for us not to go over the refund, but lets go over the assistance program. XXXX XXXX XXXX stated the account was in default and I stated how?, when I sent an instrument payment on XX/XX/2022 and received CERTIFIED MAIL # XXXX. He stated the payment has not been put in the system. When informing him of the payment instrument I sent in he stated and I quote XXXX we will not be entertaining this payment you sent in he laughed you know good as well that sending in that amount will do nothing for your account. This was an attempt of XXXX XXXX XXXX XXXX attempting to disgrace me PURSUANT to 15 U. S. C. 1692 ( e ) ( 7 ). He also took the liberty to mention that We will discuss the contract you signed with us! Informed that the contract should be null and void due to the numerous violations during the application process, I am currently aware of my rights and the misconduct GM Financial is handling with consumers is erroneous and does need to be investigated. XXXX XXXX did not even attempt to go over the assistance program but instead said take us to court, I know you have already done the research! I responded, You must not be familiar with XXXX XXXX Article XXXX XXXX, I NEED VALIDATION OF DEBT! XXXX XXXX XXXX employed with GENERAL MOTORS FINANCIAL COMPANY , INC. attempted to disgrace me and make a joke out of my character, by me exercising my rights. This is the reason we are here today. I do not trust this company to respond without the CFPB involved and GENERAL MOTORS FINANCIAL COMPANY , INC. should be following the law and should be held accountable for not following the law. I would also like to point out another fact, my account was not in default when contacting GENERAL MOTORS FINANCIAL COMPANY , INC. on XX/XX/2022, XXXX XXXX instead of going over any programs he escalated the call and never mentioned and solutions or remedies. By agent XXXX lying about someone calling me back and no one calling me back after saying someone would and no response from the department manager, CAUSING MORE INJURY PUTTING THIS SAID ACCOUNT IN DEFAULT. I am now requesting GENERAL MOTORS FINANCIAL COMPANY , INC. validate the debt and original creditor. Its Federal Law Pursuant to 18 U. S. C. Title 8, that there is no debt present. I need the debt validated and I need a written response as I am allowing this company to indeed cure this situation before I take any legal action and I WILL be taking legal action. If the debt can not be validated I need my title and the lien released as well as any debt removed indefinitely AND the credit balance refund amount that I requested in my initial contact letter. I also would like to include that before I was not aware of my rights with GENERAL MOTORS FINANCIAL COMPANY , INC. and I am very aware now. During the contract signing I was not made aware of 15 USC 1605 I was not to be charged a down payment on my property. TRUTH AND LENDING ACT also backs this same law and GM financial allowed XXXX XXXX finance manager to sit there and add insult to injury by being deceptive and misleading. GENERAL MOTORS FINANCIAL , INCXXXX non-communication is in agreement to owing the refund.","date_sent_to_company":"2022-02-15T23:01:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"76708","tags":null,"has_narrative":true,"complaint_id":"5224729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2022-02-15T22:44:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I have an injury committed by GENERAL MOTORS FINANCIAL towards me. I sent GENERAL MOTORS FINANCIAL , INC. a letter CERTIFIED MAIL NUMBER # XXXX on XX/XX/2022 requesting my credit balance refund Pursuant to 15 USC CH 41 1666 ( d ) also Pursuant to 12 CFR 226.11, GENERAL MOTORS FINANCIAL did not respond and now I am contacting the CFPB to help with the validation of debt, as GENERAL MOTORS FINANCIAL , INC. stated that I owe an alleged debt."],"company":["General Motors Financial Company, Inc."]},"sort":[16.11956,"5224729"]},{"_index":"complaint-public-v1","_id":"11517702","_score":16.037954,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to file a formal complaint against Hyundai Motor Finance regarding their unfair, deceptive, and abusive practices, which have caused me significant financial and emotional harm. Their actions not only violate my consumer rights but also reflect systemic misconduct that may be affecting other consumers as well. \n\nIn support of my complaint, I would like to refer to the following U.S. Codes that govern unfair, deceptive, and abusive practices within the financial industry : 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. \n[ Car Finance Company Name ] 's practices, including misleading payment demands and coercive tactics, may be in violation of the FDCPA. Under this act, debt collectors must provide clear information and refrain from using misleading or threatening tactics in their communications with consumers. The demand for large payments under threat of repossession and confusion about my payment status is in direct violation of these provisions. \n\n\n2. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. \nThe failure to provide accurate and transparent information regarding the terms and status of my loan may constitute a violation of the Truth in Lending Act. The act requires clear and complete disclosures of loan terms, including payment options and any penalties.Hyundai Motor Finance has not provided the necessary documentation or full account reconciliation despite my requests. \n\n\n3. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 The Consumer Financial Protection Act mandates that financial institutions must refrain from engaging in unfair, deceptive, or abusive practices. I believe Hyundai Motor Finance has violated these provisions by failing to offer assistance when I was facing financial hardship, misrepresenting my payment options, and reporting inaccurate information on my credit files. \n\n\n4. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. \nHyundai Motor Finance 's inaccurate reporting of my loan status across three different credit bureaus, despite my payments, is a violation of the Fair Credit Reporting Act. The FCRA requires that all information provided to credit bureaus be accurate, and I request an investigation into this reporting discrepancy. \n\n\n5. Breach of Contract U.S. Common Law ( General Contract Law ) By failing to work with me in good faith regarding my payment schedule and failing to provide clear documentation about the status of my loan, Hyundai Motor Finance has breached the original terms of our contract. Under U.S. common contract law, a partys failure to honor its contractual obligations constitutes a breach, and I seek the voiding of the charge-off status. \n\nSummary of Issues : 1. Misleading Payment Demands : I was instructed to pay {$3000.00} to retain my vehicle after being informed that it had been charged off. I made a payment of {$1500.00} upfront, followed by {$700.00} shortly thereafter. Despite these payments, I was told to pay an additional {$330.00} to bring my account current. After making all these payments, my account still shows an outstanding balance of {$1000.00} without any explanation or documentation to justify this amount. \n\n2. Failure to Provide Clear Account Reconciliation : Despite my repeated requests, [ Car Finance Company Name ] has failed to provide a clear breakdown of the charges, payments, and the current balance on my account. This lack of transparency has contributed to my confusion and frustration, particularly because I have made consistent efforts to meet the payment requirements. \n\n3. Deceptive Communication Practices : Hyundai Motor Finance claimed they did not have my updated phone number or address on file, despite me providing this information multiple times. Additionally, I did not receive any proactive communication or written notices from the company about my account status, repayment options, or potential solutions to avoid charge-off. \n\n4. Coercive and Abusive Tactics : Representatives from Hyundai Motor Finance frequently demanded large payments under the threat of repossession, even after I made substantial efforts to meet their terms. They created confusion by asking whether I still had possession of the vehicle while simultaneously claiming they wanted to help me retain it. \n\n\nDetails of Phone Calls : On multiple occasions when I called Hyundai Motor Finance, their representatives first asked if I was still in possession of the vehicle before discussing any potential solutions or payment options. This question was always the first thing they asked during the call, even before they provided any clarity on my options to avoid repossession. This tactic not only caused confusion but also felt like a way to pressure me into believing I had limited options, even when I was attempting to make arrangements. \n\n5. Limited Options and Repo Status : Despite showing good faith by making payments of {$800.00} to {$1000.00} every other month, I was continually placed in \" repo status. '' This left me with only one option : pay a large amount immediately or risk losing my car. On multiple occasions, I was forced to give them my last dollars, depriving me of the ability to pay for basic necessities. My landlord was forced to wait for rent payments as I had to prioritize paying Hyundai Motor Finance.Their demand for full payments at once, without offering a payment plan, left me behind in paying my phone, water, internet, and electricity bills. The company could have worked with me on more manageable payment options, such as lower monthly payments or a temporary deferment, but they chose not to, worsening my financial hardship. \n\n6. Violation of Consumer Rights through Forceful Practices : Hyundai Motor Finance not only violated my rights through deceptive tactics but also through forceful methods that put undue pressure on me. The company would consistently place me in a \" repo status '' and demand full payments under the threat of repossession, leaving me no room for reasonable negotiation or payment plans. They forced me into an untenable position, demanding large lump-sum payments while I was struggling financially. These aggressive practices violated my rights by not allowing me the opportunity to recover from my situation or to make payments on terms I could afford. \n\n7. Breach of Contract : Hyundai Motor Finance failed to honor the terms of the original loan agreement by not providing clear and accurate information regarding my options. Although I was making regular payments of {$800.00} to {$1000.00} every other month, they chose not to offer any meaningful assistance, and instead misrepresented my payment requirements. I made a payment of {$1500.00} as requested, which I believe should have been sufficient to prevent the charge-off, but the company refused to work with me, leading to a breach of contract. As a result, my account was wrongfully charged off, and the breach of contract should nullify this charge-off status. \n\n8. Taxable Charge-Off at Year-End ( Violation of Tax Law and Financial Regulations ) : It appears that Hyundai Motor Finance may have charged off my account at the end of the year in order to use this for tax purposes. This practice appears to be a strategy to recover financial losses by writing off the debt as a taxable income at year-end while still attempting to recover the funds through continued collection efforts. The company is likely using this charge-off to create a tax benefit for themselves by reducing their taxable income for the year, which is a direct financial gain. This tactic is not only a financial disservice to me but could be affecting other consumers who may be unknowingly caught in this same cycle. The company 's decision to charge off the account without offering reasonable alternatives, such as lower payments or deferment, likely resulted in unnecessary financial distress, which should be investigated. \n\n\n9. Negative Impact on My Credit : The charge-off status of my account has caused significant damage to my credit. It has negatively impacted my credit score across three different credit bureaus, each reporting different information about my account. This inconsistency in reporting has made it extremely difficult for me to obtain financing for personal and business needs. \n\nImpact on Me : During this period, I faced severe financial hardships, including a period of homelessness, while working to repair and secure a new home. These personal challenges were made worse by Hyundai Motor Finances failure to assist me in good faith, exacerbating my emotional distress and further damaging my credit. The companys refusal to work with me despite my best efforts to resolve the situation has had lasting effects on my financial stability and my ability to secure future financing. \n\nRequest for Assistance : I am seeking the CFPBs assistance in holding Hyundai Motor Finance accountable and ensuring they take the following actions : 1. Remove the Charge-Off Status : I request the charge-off be removed from my credit reports, as the companys deceptive and uncooperative actions directly contributed to the charge-off. I believe the payments I made, including the {$1500.00}, should have been sufficient to prevent the charge-off. \n\n\n2. Provide a Full Account Reconciliation : Hyundai Motor Finance should provide a full, itemized reconciliation of my account, including all payments, charges, penalties, and the current balance, as well as any discrepancies in their reporting. \n\n3. Compensation for Damaged Credit and Emotional Distress : I am requesting compensation for the financial harm and emotional distress caused by the damage to my credit and the unnecessary stress caused by their unfair practices. \n\n\n4. Address Breach of Contract : I am requesting that the breach of contract be acknowledged, and that the charge-off be reversed as a result of their failure to honor the original agreement. \n\n5. Investigate Taxable Charge-Off Practices : I ask the CFPB to investigate Hyundai Motor Finances practice of charging off the account at year-end for tax purposes, as this may constitute a violation of tax and financial reporting laws and could be negatively impacting multiple consumers. \n\n6. Offer Payment Options and Deferment : I request that Hyundai Motor Finance be required to offer more reasonable options for repayment, such as lower monthly payments, payment deferments, or other flexible plans that allow consumers to keep their vehicles while also managing their financial hardships. \n\n7. Consider a Class Action Lawsuit and Further Action : Given the nature of these systemic practices, I am considering a class action lawsuit to hold Hyundai Motor Finance accountable for their actions. I will not stop until a resolution is reached, and I am willing to take whatever legal steps are necessary to ensure that these unlawful practices cease, even if it means pursuing a legal remedy that leads to the shutdown of the company itself if warranted. If other consumers are similarly affected by these tactics, I will explore legal avenues to ensure justice is served. \n\n\nThank you for your attention to this matter. I trust the CFPB will investigate these issues and take the necessary steps to protect consumers like myself from further harm. \n\nSincerely, XXXX XXXX All calls are record...","date_sent_to_company":"2025-01-15T04:13:32.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"507XX","tags":null,"has_narrative":true,"complaint_id":"11517702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2025-01-15T02:21:25.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Investigate Taxable Charge-Off Practices : I ask the CFPB to investigate Hyundai Motor Finances practice of charging off the account at year-end for tax purposes, as this may constitute a violation of tax and financial reporting laws and could be negatively impacting multiple consumers. \n\n6."]},"sort":[16.037954,"11517702"]},{"_index":"complaint-public-v1","_id":"17293753","_score":15.661274,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Chime (XX/XX/XXXX XXXX Bank, XXXX. / XXXX Bank, XXXX. ) regarding their failure to properly handle and investigate a debit card dispute connected to a fraudulent vehicle sale. I purchased a vehicle from XXXX XXXX through in-house financing on XX/XX/year>. The dealer misrepresented the vehicles condition, claiming it had no prior damage when it actually had significant undisclosed accident or structural damage and the vehicle could not pass a safety and emissions test. I provided proof through an inspection report/ XXXX report and other documentation. When I discovered the deception, I filed a debit card dispute with Chime for my down payment and car note payments made to the dealer, explaining that the sale was obtained through fraud and misrepresentation. Chime later sent me a letter stating : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Chimes decision violates Regulation XXXX ( XXXX XXXX XXXX ) of the Electronic Fund Transfer Act ( 15 U.S.C. XXXX et seq. ), which requires : A reasonable, good-faith investigation into any reported error ; Completion of the investigation within XXXX business days ( or XX/XX/XXXX days if provisional credit is issued ) ; Written explanation and supporting evidence for the final determination. Chime did not : XXXX. Contact me to obtain additional information or documentation ; XXXX. Provide a provisional credit during the investigation ; XXXX. Supply documentation showing how they concluded no error occurred. Their failure to investigate or issue credit while a valid fraud dispute was pending constitutes a violation of Regulation XXXX The dealers conduct that caused the dispute violates multiple federal and Missouri consumer protection laws, including : XXXX. Federal Trade Commission Act ( 15 U.S.C. XXXX ) prohibits unfair or deceptive acts or practices in commerce ; XXXX. FTC Used Car Rule ( XXXXXX/XX/XXXXXXXX ) requires dealers to disclose known defects and damage history on the Buyers Guide ; XXXX. Missouri Merchandising Practices Act ( XX/XX/XXXXXXXX ) makes it unlawful to use deception, fraud, false promises, or misrepresentation in connection with the sale of merchandise, including motor vehicles ; XXXX. Missouri Motor Vehicle Franchise Practices Act ( XXXX XXXX et seq. ) prohibits false statements or concealment of material facts regarding vehicle history or condition. These misrepresentations voided the contract and rendered the sale fraudulent. The vehicle has been successfully returned to the dealer and theyre now directing me to dispute further proceedings through my bank. They are ignoring my attorney general complaints.","date_sent_to_company":"2025-11-18T01:20:28.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"17293753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-18T01:15:18.000Z","state":"MO","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["They are ignoring my attorney general complaints."]},"sort":[15.661274,"17293753"]},{"_index":"complaint-public-v1","_id":"17236138","_score":15.628265,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ) regarding their failure to properly handle and investigate a debit card dispute connected to a fraudulent vehicle sale. \n\nI purchased a vehicle from XXXX XXXX through in-house financing on XX/XX/year>. The dealer misrepresented the vehicles condition, claiming it had no prior damage when it actually had significant undisclosed accident or structural damage and the vehicle could not pass a safety and emissions test. I provided proof through an inspection report/ XXXX report and other documentation. \n\nWhen I discovered the deception, I filed a debit card dispute with Chime for my down payment and car note payments made to the dealer, explaining that the sale was obtained through fraud and misrepresentation. \n\nChime later sent me a letter stating : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. \n\nChimes decision violates Regulation E ( 12 CFR 1005.11 ) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), which requires : A reasonable, good-faith investigation into any reported error ; Completion of the investigation within 10 business days ( or 45 days if provisional credit is issued ) ; Written explanation and supporting evidence for the final determination. \n\nChime did not : 1. Contact me to obtain additional information or documentation ; 2. Provide a provisional credit during the investigation ; 3. Supply documentation showing how they concluded no error occurred. \n\nTheir failure to investigate or issue credit while a valid fraud dispute was pending constitutes a violation of Regulation E. \nThe dealers conduct that caused the dispute violates multiple federal and Missouri consumer protection laws, including : 1. Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibits unfair or deceptive acts or practices in commerce ; 2. FTC Used Car Rule ( 16 CFR 455 ) requires dealers to disclose known defects and damage history on the Buyers Guide ; 3. Missouri Merchandising Practices Act ( RSMo 407.020 ) makes it unlawful to use deception, fraud, false promises, or misrepresentation in connection with the sale of merchandise, including motor vehicles ; 4. Missouri Motor Vehicle Franchise Practices Act ( RSMo 407.825 et seq. ) prohibits false statements or concealment of material facts regarding vehicle history or condition. \nThese misrepresentations voided the contract and rendered the sale fraudulent. The vehicle has been successfully returned to the dealer and theyre now directing me to dispute further proceedings through my bank. They are ignoring my attorney general complaints.","date_sent_to_company":"2025-11-13T11:19:16.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"63121","tags":null,"has_narrative":true,"complaint_id":"17236138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-11-13T11:06:37.000Z","state":"MO","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They are ignoring my attorney general complaints."]},"sort":[15.628265,"17236138"]},{"_index":"complaint-public-v1","_id":"2865306","_score":15.520273,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. \n\nNeed help here pleade. Are several complaints on finance company deceptive practices but no resolve","date_sent_to_company":"2018-04-05T13:03:50.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33409","tags":null,"has_narrative":true,"complaint_id":"2865306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2018-04-05T12:25:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees charged"},"highlight":{"complaint_what_happened":["Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. \n\nNeed help here pleade. Are several complaints on finance company deceptive practices but no resolve"]},"sort":[15.520273,"2865306"]},{"_index":"complaint-public-v1","_id":"3185092","_score":14.51148,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a Toyota XXXX of XXXX. I was financed by Toyota Financial Services. I was induced to purchase the vehicle using Toyota Financial Services by the Dealership known as Passport Toyota in XXXX XXXX, MD. The car was ultimately repossessed. I was taken advantage as a consumer so I sought corrective action assistance from : Maryland Attorney General ( Consumer Division ), and XXXX XXXX, CEO Toyota XXXX XXXX ( I have included all of these documents with this complaint ). XX/XX/XXXX. I submitted a Settlement Eligibility Form to XXXX ( see document included with this complaint. Friday XXXX, XXXX, I received a Notice of Ineligibility from Toyota Motor Credit Corporation Settlement, Settlement Administration dated XX/XX/XXXX. Reading the documents I enclosed you will see I have been fighting the unfair loan I was provided by Toyota Financial Services. I overpaid for my vehicle and the interest I was charged was probably due to geographical location of this dealership. This dealership is located in a predominantly XXXX neighborhood and serves primarily person 's of XXXX. *At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession.","date_sent_to_company":"2019-03-26T11:39:41.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"3185092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2019-03-20T01:06:34.000Z","state":"MD","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["*At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession."],"company":["TOYOTA MOTOR CREDIT CORPORATION"]},"sort":[14.51148,"3185092"]},{"_index":"complaint-public-v1","_id":"12054158","_score":13.974368,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I logged into my Cash App account intending to purchase stocks for the first time. Although I have used Cash App for several years, this was the XXXX time I was required to verify my identity. During the verification process, I inadvertently entered an incorrect Social Security number due to a typo. \n\nUpon realizing the error while reviewing my information, I contacted Cash App customer service to request a correction. I was informed that it is impossible to update or correct this sensitive data once it has been entered. The only solution offered was to create an entirely new account, which would require me to abandon my current account and username, despite years of history and transactions tied to it. Additionally, Cash App stated that they are unable to delete or modify the incorrect information stored in my account. \n\nThis response raises significant concerns regarding data practices and potential violations of data protection regulations, including but not limited to : - Inaccurate Data Correction : Denying users the ability to correct their own personal data may violate the principle of data accuracy under laws such as the California Consumer Privacy Act ( CCPA ) and the Delaware Online Privacy and Protection Act. \n- Data Retention Practices : Stating that they can not delete sensitive information contradicts the right to erasure outlined in privacy standards like the General Data Protection Regulation ( GDPR ). Although the XXXX applies mainly to the XXXX, it is an important reference for global data protection practices. \n- Accessibility and Usability : This rigid process could be seen as an accessibility issue, particularly for individuals with XXXX or motor control challenges, as there is no safeguard or verification step to confirm sensitive data entries before they are finalized. \n\nI respectfully request your assistance in investigating this matter and ensuring that companies like Cash App provide reasonable solutions for correcting sensitive information and improving their data management practices to align with consumer rights and data protection standards.","date_sent_to_company":"2025-02-20T22:56:07.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"12054158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-02-13T19:19:45.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["- Data Retention Practices : Stating that they can not delete sensitive information contradicts the right to erasure outlined in privacy standards like the General Data Protection Regulation ( GDPR ). Although the XXXX applies mainly to the XXXX, it is an important reference for global data protection practices."]},"sort":[13.974368,"12054158"]},{"_index":"complaint-public-v1","_id":"3672475","_score":13.97333,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX FM XXXX XXXX, TX XXXX Re : Santander/Chrysler and XXXX XXXX Thank you for taking the time to review the complaint Attorney General on behalf of Santander/Chrysler Capital. XXXX of XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. \nDuring the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with Mr. XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. \nAttorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. \nTo see a voluntary repossession on my credit profile not once did XXXX questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. \nWith the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. \nAttorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For Mr. XXXX to mislead and deceive me to gain a sale is against the law. \nAlso, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer XXXX and acceptance companies and related finance companies that acquire XXXXs. Chrysler Capital/Santander, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. \nAccording to the OCCC, a creditor that has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle.\n\nThe lending practices of Chrysler Capital/Santander victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.","date_sent_to_company":"2020-05-28T16:21:29.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"3672475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2020-05-28T16:17:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation."]},"sort":[13.97333,"3672475"]},{"_index":"complaint-public-v1","_id":"4086358","_score":13.947881,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX : XXXX and Troy Capital Thank you for taking the time to review the complaint Attorney General on behalf of XXXX XXXX. XXXX of XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with XXXX XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. To see a voluntary repossession on my credit profile not once did XXXX questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. With the continuation of aggressive phone calls from Troy Capital LLC, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For XXXX XXXX to mislead and deceive me to gain a sale is against the law. Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer RICs and acceptance companies and related finance companies that acquire RICs. XXXX XXXXXXXX, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. According to the OCCC, a creditor has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle. The lending practices of XXXX XXXXXXXX victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.","date_sent_to_company":"2021-01-22T18:16:47.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"4086358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Troy Capital, LLC","date_received":"2021-01-22T18:08:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation."]},"sort":[13.947881,"4086358"]},{"_index":"complaint-public-v1","_id":"4086759","_score":13.938638,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Santander/XXXX and XXXX XXXX Thank you for taking the time to review the complaint Attorney General on behalf of Santander/Chrysler Capital.XX/XX/XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with XXXX XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. To see a voluntary repossession on my credit profile not once did Santander questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For XXXX XXXX to mislead and deceive me to gain a sale is against the law. Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer RICs and acceptance companies and related finance companies that acquire RICs. Chrysler Capital/Santander, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. According to the OCCC, a creditor has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle. The lending practices of Chrysler Capital/Santander victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.","date_sent_to_company":"2021-01-22T18:16:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"4086759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2021-01-22T18:16:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation."]},"sort":[13.938638,"4086759"]},{"_index":"complaint-public-v1","_id":"2576300","_score":13.568492,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have a loan from Santander and they are threatening repossession. I paid {$600.00}. The first of this month. I am a XXXX XXXX person and my invoice was not paid for 2 months due to an audit so all my accounts were over drawn. I lost XXXX dollars in overdraft bank fees. I need this vehicle until I can get another one in a month or two. I am paying 20 % rate. The car has XXXX dollars a month note. I have been having problems so I need to fix it. After nearly 2 years. I owe the same about on the viechle as I did when I bought it.\nFOR IMMEDIATE RELEASE Wednesday, XX/XX/XXXX Justice Department Reaches Settlement with Santander Consumer USA to Resolve Allegations Concerning Over 1,100 Illegal Car Repossessions Against Service Members Santander Consumer USA Inc. has agreed to pay at least {$9.00} million to resolve a lawsuit by the Department of Justice alleging that the motor vehicle lender violated the Servicemembers Civil Relief Act ( SCRA ), the Justice Department announced today. The complaint and the settlement, which is subject to court approval, were filed today in the U.S. District Court for the Northern District of Texas.\n\nThe settlement covers the improper repossessions of 1,112 motor vehicles between XX/XX/XXXX and XX/XX/XXXX . The proposed consent order represents the largest settlement for illegal automobile repossessions ever obtained by the United States under the SCRA.\n\nThis is a just resolution that will provide service members with financial relief and help repair their bad credit caused by Santanders improper repossessions and fee collections with respect to more than 1,100 cars, said Acting Associate Attorney General XXXX XXXX . The Department of Justice will continue devoting time and resources to protect our service members and their families from such unjust actions and hold bad actors accountable. '' Those who answer this nations call to duty understandably have much on their minds while they are in military service, said Acting Assistant Attorney General XXXX XXXX of the Civil Rights Division. Whether their car will be seized and sold at auction should not be an additional worry. We will continue to vigorously pursue lenders who fail to take the simple steps necessary to determine, before repossessing a car, whether it is owned by a service member.\n\nThe SCRA protects service members against certain civil proceedings that could affect their legal rights while they are in military service. It requires a court to review and approve any repossession if the service member took out the loan, and made a payment, before entering military service. The court may delay the repossession or require the lender to refund prior payments before repossessing. The court may also appoint an attorney to represent the service member, require the lender to post a bond with the court and issue any other orders it deems necessary to protect the service member. By failing to obtain court orders before repossessing motor vehicles owned by protected service members, Santander prevented service members from obtaining a courts review of whether their repossessions should be delayed or adjusted in light of their military service.\n\nThe lawsuit alleges that Santander initiated and completed 760 repossessions, without court orders, of motor vehicles owned by SCRA-protected service members. The agreement requires Santander to pay {$10000.00} plus compensation for any lost equity ( with interest ) to each of these service members. The lawsuit also alleges that Santander sought to collect fees arising from an additional 352 repossessions that unrelated motor vehicle lenders had conducted in violation of the SCRA before Santander acquired the loans. The agreement requires Santander to pay {$5000.00} to each of these service members. Santander also must repair the credit of all affected service members.\n\nThe SCRA is an important protection for the men and women serving our country in the armed forces, and this settlement not only will rectify the past improper repossessions of service members vehicles but will work to prevent such improper repossessions in the future, said Acting U.S. Attorney XXXX XXXX of the Northern District of Texas.\n\nFor future repossessions, the settlement requires Santander to check the Defense Departments automated database to see if a cars owner is in military service prior to conducting a repossession.\n\nThe Department of Justice first learned of Santanders repossession practices through a referral from the U.S. Armys Legal Assistance Program. The referral involved a claim that Santander illegally repossessed the car of a service member, U.S. Army Specialist XXXX XXXX , in the middle of the night, after having been informed that he was at basic training. The department also opened its investigation after learning that Santander used an arbitration clause included in its loan documents to prevent a second service member from pursuing systematic relief through a class action lawsuit he filed alleging that Santander had repossessed service members vehicles in violation of the SCRA.\n\nAs part of its investigation, the United States has already identified Santanders illegal repossessions, and efforts to collect unlawful repossession fees, occurring between XX/XX/XXXX and XX/XX/XXXX . Service members identified based on that investigation will be contacted by an independent settlement administrator later this year. The settlement also requires Santander to conduct a review and provide compensation for any additional unlawful repossessions that may have occurred since XX/XX/XXXX . All service members who are eligible for compensation from the settlement will be contacted by the administrator, and do not need to contact the Department of Justice.\n\nThe Justice Departments enforcement of fair lending laws is conducted by the Fair Lending Unit of the Housing and Civil Enforcement Section in the Civil Right Division. Since the Fair Lending Unit was established in XX/XX/XXXX , it has filed or resolved 37 lending matters under the Fair Housing Act, the Equal Credit Opportunity Act, and the Servicemembers Civil Relief Act. The settlements in these matters provide for over {$1.00} billion in monetary relief for impacted communities and individual borrowers. The Attorney Generals annual reports to Congress on ECOA highlight the departments accomplishments in fair lending and are available at www.justice.gov/crt/publications.\n\nThe Civil Rights Division is a member of the Financial Fraud Enforcement Task Force. President Obama established this task force to wage an aggressive, coordinated and proactive effort to investigate and prosecute financial crimes. The task force includes representatives from a broad range of federal agencies, regulatory authorities, inspectors general and state and local law enforcement who, working together, bring to bear a powerful array of criminal and civil enforcement resources. The task force is working to improve efforts across the federal executive branch, and with state and local partners, to investigate and prosecute significant financial crimes, ensure just and effective punishment for those who perpetrate financial crimes, combat discrimination in the lending and financial markets and recover proceeds for victims of financial crimes. For more information on the task force, visit www.StopFraud.gov.\n\nTopic","date_sent_to_company":"2017-07-17T07:16:17.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"97203","tags":"Older American","has_narrative":true,"complaint_id":"2576300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2017-07-17T02:55:58.000Z","state":"OR","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["The Attorney Generals annual reports to Congress on ECOA highlight the departments accomplishments in fair lending and are available at www.justice.gov/crt/publications.\n\nThe Civil Rights Division is a member of the Financial Fraud Enforcement Task Force. President Obama established this task force to wage an aggressive, coordinated and proactive effort to investigate and prosecute financial crimes."]},"sort":[13.568492,"2576300"]},{"_index":"complaint-public-v1","_id":"16069140","_score":13.414829,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX Abusive Lending & Improper Use of XXXX Switch Dear Sir or Madam, I am filing a complaint against XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, Phone : XXXX ) for predatory auto financing and abusive use of a starter interrupt device. \n\nOn XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) under a Motor Vehicle Retail Installment Sales Contract. The contract included disclosure of a starter interrupt/kill switch device. However, the dealership and/or lender has used this device in ways that go beyond the agreed terms. \n\n\n\nIssues : XXXX. Abusive Use of Kill Switch Device The dealership/lender has remotely XXXX my vehicle at will, not solely for missed payments. \nThis has created an ongoing risk of being stranded or unsafe, and makes me fearful of losing transportation even when I am paying. \nThe practice feels retaliatory and harassing, leaving me powerless. \nXXXX. Predatory Loan Terms The financing is highly inflated : a 19.876 % interest rate and a total financed price of {$24000.00} for a XXXX XXXX XXXX with XXXX miles at purchase. \nI am paying {$490.00} per month, far exceeding the fair market value of this vehicle. \nXXXX. Deceptive XXXX Practices The dealership advertises that the owner is available anytime, but in reality, consumers are denied access and complaints are blocked at the dealer level. \nXXXX is limited, and I feel intentionally misled and silenced. \n\n\n\nRequested Relief : Investigate XXXX XXXX use of starter interrupt devices, including whether they are using them in violation of consumer protection and safety laws. \nInvestigate whether the dealerships financing practices violate Texas consumer law and federal protections against abusive, unfair, or deceptive practices. \nProvide relief by voiding or restructuring this loan to reflect a fair market value and interest rate. \nRequire this dealership to stop using starter interrupt devices as a harassment tool against consumers. \n\nI have attached a copy of my sales contract for review. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-22T17:00:59.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"77099","tags":null,"has_narrative":true,"complaint_id":"16069140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Karwaala Inc","date_received":"2025-09-22T16:48:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["Investigate whether the dealerships financing practices violate Texas consumer law and federal protections against abusive, unfair, or deceptive practices. \nProvide relief by voiding or restructuring this loan to reflect a fair market value and interest rate. \nRequire this dealership to stop using starter interrupt devices as a harassment tool against consumers. \n\nI have attached a copy of my sales contract for review. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[13.414829,"16069140"]},{"_index":"complaint-public-v1","_id":"4511950","_score":12.789112,"_source":{"product":"Debt collection","complaint_what_happened":"me and my mother are the living breathing natural man/woman come in peace and honor. being first duly sworn, depose and say and declare by our signature that the following facts are true to the best of our knowledge and belief. on XX/XX/XXXX we signed for a XXXX XXXX XXXX verse vin and miles etc. which we put a affidavis of ownership it the newpaper for 30 days. if a affidavis is Unrebutted, it stands as truth. which the newpaper ad was on XX/XX/XXXX thur XX/XX/XXXX. we received the affidavis of ownership and newpaper ad notarized. to futher make the vehicle our we sent it louisisana secretary of state, to get it authenticated on a state level. To be more respected and just. after we received paper work back. we sent off copies to nissan motors acceptance corporation on XXXX XXXX which first starts our conditional acceptance for value and administration process. we sent copies of the affidavis of ownership, affidavis truth, newpaper ad ucc 1, ucc 3 and a {$50.00} money order written on it was with full satisfaction of claim in good faith, ucc3 -311 with our account info on it. after they received and accepted the mail. nissan motors cashed the money order. then again we sent the repeated mail to nissian motors at the XXXX, OH XXXX XXXX XXXX zip code XXXX on XXXX XXXX and XXXX XXXX after which we expected our call titled to arrive in the mail. months go by. may comes, this 1800numbers calls us then says this is a call to collect a debt.which we ask did you received our paperwork in the mail.the dect collector saids yes but now you are behind on your auto bill, how would you like to make a payment. this starts a back and forth with us and nissan motors. after extensive research we find that by nissan calling our phones that is direct violation of our customers and creditors rights. title 15 usc 1692d harssment or abuse. every time they call our phone is a XXXX dollar violation. 15 U.S. Code 1692b. Acquisition of location information. during the abusive of calls, they will ask us for us name and address that another XXXX dollar for each contact and asking of verify the debt. we ask them to stop with the abusive calls. they reply not until we recevie payment of the debt that you owe. we ask them 15 U.S. Code 78m. Periodical and other reports under ( C ) ( i ) ( I ). pursuant 1692h 15 U.S. Code 1692g. Validation of debts can you prove verification of the name and address of the original creditor. to no respose no answer but another phone. XXXX XXXX me and my mother had our customers rights Violated again. when nissan motors acceptance corporation hired guardian services llc to come take our property, which is our vehicle a XXXX XXXX XXXX XXXX. which had a firearm in the vehicle, a XXXX XXXX XXXX XXXX, from my apartment, we suffered humiliation anxiety and other extreme emotional distress. A third-party should not been contacted to take my vehicle 15 USC 1692 ( C ) ( B ) according to the FDCBA repossession agencies or debt collectors unless they perform common collection services such as sending debt letters, making debt calls ect. post incident I apply for a loan in was declined because nissan motors acceptance Corporation committed fraud. there violations include but not limited to 15 USC 1692 ( C ) 15 USC 1692 ( B ) 15 USC 1692 ( D ) 15 USC 1692 ( E ) ( 1 ) ( 2a ) 15 USC 1692 ( F ) ( F1 ) 15 USC 1692 ( G ) 15 USC 1692 ( J ) furthermore we believe we were victims of there deceptive and credittory rendering practices, someone manipulated our loan Application wait nissan motor acceptance Corporation and we demand to see it. we were at the dealership for over 4 hours. we were was just waiting to get approval. there was add equipment that was grossly inflated to the vehicle I was not made aware of until recently. our rights of rescission was not included. 15 USC 1635 in order for us to get the loan. we were required to make a down payment, which was a direct violation of 15 USC 1662 ( 2 ). pursuant 15 USC 1681 ( 2a ) ( 2b ) any authorization or approval directly or indirectly by a issuer of Credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 means anything card, book, coupons Credit device existing for the purpose of obtaining money property labor or services on credit notice Congress said any card my credit card is my Social Security card this is the card i originate as a result of Nissan motor acceptance corporation and XXXX XXXX XXXX failure to comply with FCRA and FDCPA we have suffered and continuing to suffer damages we requested A immediate deletion from this account from our credit reports. and cost pursue it to 15 USC 1681 ( O ) ( A ) failure to comply will include neither consumer requesting a full investigation including our original loan application affidavis tail according to that general condition acceptance principle We will filing a complaint with the US District court.","date_sent_to_company":"2021-07-30T19:28:26.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"71107","tags":null,"has_narrative":true,"complaint_id":"4511950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2021-07-02T20:39:54.000Z","state":"LA","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["reports. and cost pursue it to 15 USC 1681 ( O ) ( A ) failure to comply will include neither consumer requesting a full investigation including our original loan application affidavis tail according to that general condition acceptance principle We will filing a complaint with the US District court."],"company":["NISSAN MOTOR ACCEPTANCE COMPANY LLC"]},"sort":[12.789112,"4511950"]},{"_index":"complaint-public-v1","_id":"2832769","_score":12.659387,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TOYOTA MOTOR CREDIT CO Details Account # XXXX Original Creditor Account Type Auto Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 90 days Status Updated XX/XX/XXXX Usage - Balance {$2800.00} Balance Updated XX/XX/XXXX Original Balance {$12000.00} Monthly Payment {$380.00} Past Due Amount {$1500.00} Highest Balance Terms 36 Months Responsibility Individual Your Statement Contact Information XXXX XXXX XXXX XXXX XXXX, IA XXXX Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOYOTA MOTOR CREDIT CO XXXX {$2800.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Toyota Motor Credit Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I'm behind, late and negative in my account. This is a formal notice that your erroneous claim ( s ) is/are now disputed. \n\nI am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting \" validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. \nAs per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. \n\nAdditionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature? \n\nPlease also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. \n\nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. \n\nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : \" Defamation \" Negligent Enablement of Identity Fraud \" Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) \" Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\nMy Contact Info is as follows : XXXX XXXX XXXX Your current address P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX","date_sent_to_company":"2018-03-05T10:54:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92612","tags":null,"has_narrative":true,"complaint_id":"2832769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2018-03-05T10:45:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX"],"company":["TOYOTA MOTOR CREDIT CORPORATION"]},"sort":[12.659387,"2832769"]},{"_index":"complaint-public-v1","_id":"3547333","_score":12.584049,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a copy of my background report that is considered incomplete. No data was provided. I signed off a disclosure form that stated the following ... \n\nXXXX ( COMPANY ) may obtain from Sterling Infosystems , Inc. ( STERLING ), XXXX XXXX XXXX, XXXX XXXX, NY XXXX, ( XXXX ) XXXX, www.sterlinginfosystems.com, a consumer report and/or an investigative consumer report ( REPORT ) that contains background information about you in connection with your employment or employment application. If you are hired, to the extent permitted by law, COMPANY may obtain from STERLING further reports throughout your employment for an employment purpose without providing further disclosure or obtaining additional consent. \nThe REPORT may contain information about your character, general reputation, personal characteristics and mode of living. The REPORT may include, but is not limited to, credit reports and credit history information ; criminal and other public records and history ; public court records ( e.g., bankruptcies, tax liens and judgments ) ; motor vehicle and driving records ; educational and employment history, including professional disciplinary actions ; drug/alcohol test results ; and Social Security verification and address history, subject to any limitations imposed by applicable federal and state law. This information may be obtained from public record and private sources, including credit bureaus, government agencies and judicial records, former employers and educational institutions, and other sources. \nIf an investigative consumer REPORT is obtained, in addition to the description above, the nature and scope of any such REPORT will be employment verifications and references, or personal references. \n\nThe information that was given to me does not contain what the reporting agency claims. Under the Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems as a background reporting agency in good faith should report ALL information pertaining to an applicant.","date_sent_to_company":"2020-02-27T17:28:23.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"61107","tags":null,"has_narrative":true,"complaint_id":"3547333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sterling Infosystems Inc.","date_received":"2020-02-27T17:11:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The REPORT may contain information about your character, general reputation, personal characteristics and mode of living."],"issue":["Problem with a company's investigation into an existing issue"]},"sort":[12.584049,"3547333"]},{"_index":"complaint-public-v1","_id":"3059681","_score":12.45926,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I respectfully request an Investigation on the automobile manufacture Toyota, CEO XXXX XXXX, CEO XXXX XXXX, and CFO XXXX XXXX as I have been complaining to Toyota in reference to their possible deceit with their vehicles reported Miles Per Gallon ( mpg ) and fuel efficiency. I am stating that Toyota is possibly falsely marketing and advertising that their cars are getting a higher miles per gallon than they are actually getting, possibly conspiring to commit fraud against me, and the United States Consumers, possible Wire Fraud and Violations against the Clean Air Act, possible collusion, possible Obstruction of Justice and Importation of goods through false statements, also possible Predatory, Deceptive and Unfair Trade Practices, to include fraud, forgery, and perjury. \n\nIn their letter to me, dated XXXX ( attached Exhibit 1 ), through the statements of the Toyota Attorneys XXXX XXXX and XXXX XXXX, they affirm that the Toyota on-board computer was reading ( XXXX mpg ), which is almost 16 miles per gallon more than what the vehicle was actually getting and the marketing of the miles per gallon in this vehicle. In this letter, they showed pictures of what the on-board computer was displaying, then copies of what the actual miles per gallon received, which was XXXX mpg ( Exhibits 2, 3 4 Gas Receipts dated XXXX ). That is almost a 16 miles per gallon difference, proving the possible felonies above. \n\nI sent Toyota 2 letters ( attached Exhibits 5 and 6 ) complaining about my low gas mileage that I was getting in the new Toyota XXXX XXXX XXXX I bought from Toyota above. I have been complaining to Toyota since I first received the XXXX car in XXXX about the low miles per gallon, which I was receiving about 50 % less mpg ( about 37 mpg ) than what was told to me by the Sales Manager and General Manager from XXXX XXXX XXXX XXXX XXXX XXXX ( 65-69 mpg ). I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices. I took my Toyota to the XXXX XXXX XXXX XXXX dealership on 3 occasions speaking with the service manager XXXX XXXX for the service department to check the electric motor and batteries to determine if there was a problem. At each inspection, the result was the same : The vehicle is in perfect working condition as it was meant to work and operate.","date_sent_to_company":"2018-10-29T19:48:00.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"85224","tags":"Servicemember","has_narrative":true,"complaint_id":"3059681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2018-10-29T19:30:53.000Z","state":"AZ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I had called the Sales Manager over 10 times requesting advice on how to get the gas mileage that he and the General Manager had promised me, along with the XXXX XXXX ( attached Exhibit 7 Window Sticker ) which was the only reason why I bought the car. The XXXX Label was at least 10 miles per gallon higher than the actual miles per gallon received. This in itself may be predatory trade practices."],"issue":["Problem with a company's investigation into an existing issue"],"company":["TOYOTA MOTOR CREDIT CORPORATION"],"sub_issue":["Investigation took more than 30 days"]},"sort":[12.45926,"3059681"]},{"_index":"complaint-public-v1","_id":"4670111","_score":12.454974,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. \n\nRespectfully,","date_sent_to_company":"2021-08-27T14:49:38.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"44128","tags":null,"has_narrative":true,"complaint_id":"4670111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2021-08-16T15:03:02.000Z","state":"OH","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office."]},"sort":[12.454974,"4670111"]},{"_index":"complaint-public-v1","_id":"15556586","_score":11.861447,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I originally leased a XXXX XXXX XXXX in XXXX and made all my payments for nearly 3 years. At the end of the lease, I decided to purchase the vehicle. On XX/XX/XXXX, I signed a Retail Installment Sale Contract through XXXX XXXX XXXX to finance the remaining balance. Toyota Motor Credit Corporation ( XXXX ) approved a loan of {$36000.00} at a 10.82 % interest rate, with {$700.00} monthly payments for 72 months. This amount includes over {$6000.00} in optional products ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) that were added without my informed consent or clear explanation. Neither I nor my wife, who also signed, were properly told that these products would be included in the final amount. I have repeatedly asked Toyota to clarify : - How the nearly 3 years of lease payments ( XXXX ) were applied or credited toward the purchase. - Why the financed amount shows no deduction for payments already made. - Why these optional products were added and can not be canceled. Toyota has continuously ignored the original lease and only refers to the XXXX loan contract, as if this were a new vehicle purchase which it is not. This misleading approach creates the impression that I started from XXXX in XXXX, disregarding three years of prior payments. I am now facing financial hardship and requested a loan restructuring. Toyota denied my request and continues to pursue collections, despite my documented hardship and the open dispute. I believe this constitutes a deceptive and abusive lending practice. Since my initial CFPB complaint : - I received a letter from an attorney representing XXXX XXXX XXXX, denying all responsibility. - XXXX XXXX XXXX, the dealerships finance manager, rejected all certified letters I sent, returning them unopened. I have photographic evidence of this. - I have now filed additional complaints with the California Attorney General, the DFPI ( again ), the FTC, and the Better Business Bureau. This situation demonstrates not only financial abuse but also deliberate obstruction. I respectfully ask the CFPB to : - Require Toyota to provide a full accounting of how the final loan amount was calculated, - Investigate whether proper disclosures and consumer protections were followed during this lease buyout process, - And determine if these practices violate federal consumer protection laws.","date_sent_to_company":"2025-08-27T04:12:09.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"92804","tags":null,"has_narrative":true,"complaint_id":"15556586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-08-27T03:42:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I respectfully ask the CFPB to : - Require Toyota to provide a full accounting of how the final loan amount was calculated, - Investigate whether proper disclosures and consumer protections were followed during this lease buyout process, - And determine if these practices violate federal consumer protection laws."],"company":["TOYOTA MOTOR CREDIT CORPORATION"]},"sort":[11.861447,"15556586"]},{"_index":"complaint-public-v1","_id":"15713128","_score":11.791933,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting a formal complaint against Nissan Motor Acceptance Company ( NMAC ) for deceptive lease practices, billing fraud, and false credit reporting. I leased a XXXX XXXX XXXXXXXX and returned it on time, with no damage, and mileage well under the limit. I made every lease payment on time. After return, NMAC charged me {$1800.00}, which included : {$85.00} repossession fee ( there was no repossession-I physically went to the XXXX XXXX and dropped off vehicle and gave them the keys ) {$390.00} disposition fee ( not owed under my lease ) {$1200.00} excess wear with no inspection report or photographic documentation Additionally, they sent the billing letter to my correct home address, but addressed it to XXXX XXXX , which is not my name. This raises serious identity, privacy, and data-handling concerns. NMAC then reported a false delinquency to XXXX and XXXX, which has already caused damage to my credit report.\n\nI also requested documentation and payoff details before returning the vehicle, but XXXX failed to provide them, blocking my ability to buy out the lease or secure outside financing.\n\nAdditionally, I sent a formal written dispute to NMAC requesting the following : A full itemized breakdown of post-lease chargesInspection report and photographs documenting alleged wear and tear Payoff and buyout documents prior to lease-end so I could purchase or refinance the vehicle A correction of the billing name ( they addressed me as XXXX XXXX , which is not my name ) Immediate removal of false credit reporting from XXXX and XXXX Written confirmation that my dispute was received and logged None of these have been answered.\n\nThese actions by NMAC violate : The Fair Credit Reporting Act ( FCRA ) The Tennessee Consumer Protection Act ( TCPA ) General consumer protections under federal and state law I request a full investigation, immediate correction of the credit reporting, removal of unsupported charges, and formal inquiry into the identity misattribution. I have supporting documentation including : Lease agreement Return documentation Credit report damage Copy of the misaddressed billing letter I request prompt acknowledgment and formal investigation by the CFPB.","date_sent_to_company":"2025-09-04T21:02:46.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"372XX","tags":null,"has_narrative":true,"complaint_id":"15713128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2025-09-04T20:36:08.000Z","state":"TN","company_public_response":null,"sub_issue":"Excess mileage, damage, or wear fees, or other problem after the lease is finished"},"highlight":{"complaint_what_happened":["I am submitting a formal complaint against Nissan Motor Acceptance Company ( NMAC ) for deceptive lease practices, billing fraud, and false credit reporting. I leased a XXXX XXXX XXXXXXXX and returned it on time, with no damage, and mileage well under the limit. I made every lease payment on time."],"company":["NISSAN MOTOR ACCEPTANCE COMPANY LLC"]},"sort":[11.791933,"15713128"]},{"_index":"complaint-public-v1","_id":"11216795","_score":11.651551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX and XXXX, I am writing to formally dispute the continued reporting of the following accounts on my credit report : Nissan Motor Acceptance XXXX ( Account # XXXX, {$10000.00} ) XXXX XXXX ( Account # XXXX ) Despite my previous dispute letters dated XX/XX/XXXX, and your response, I have not received sufficient validation or verification of these accounts. This lack of proper documentation violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ). \nHowever, XXXX and XXXX investigation not only failed to provide the requested documentation but also exceeded the 30-day statutory limit, further violating my rights under federal law. \nViolations of Federal Law Exceeding the 30-Day Time Limit ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, XXXX and XXXX is required to complete its investigation within 30 days of receiving my dispute. Your delayed investigation violates this provision and undermines the reliability of the credit reporting process. \n\nFailure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) XXXX and XXXX investigation relied solely on the creditor 's response without providing any substantive documentation, such as original signed contracts, accounting records, or IRS 1099-C forms. This failure to conduct a proper investigation constitutes a direct violation of the FCRA.\n\nReporting Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Despite XXXX removing the Nissan Motor Acceptance account as unverifiable, XXXX continues to report it. Under the FCRA, unverifiable information must be deleted from a credit report. \n\nFailure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) XXXX and XXXX continued reporting of inaccurate and unverifiable accounts demonstrates noncompliance with its obligation to ensure maximum possible accuracy in credit reporting. \n\nViolation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ) The Fair Credit Billing Act ( FCBA ) prohibits the reporting of disputed accounts without proper validation. Reporting these accounts while failing to provide the requested validation violates this law. \n\n\na. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : XXXX and XXXX are required to perform a reasonable reinvestigation of disputed accounts. Merely relying on the creditors information without providing supporting documentation is insufficient. \n\nc. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX and XXXX must ensure maximum possible accuracy of the information reported. The continued reporting of unverified accounts violates this obligation.\n\nFair Credit Billing Act ( 15 U.S.C. 1666b ) : Under this law, creditors and credit reporting agencies are prohibited from reporting delinquent or disputed accounts without properly validating them. Reporting these accounts while failing to provide proper validation or required documentation violates this law. \nFailure to Provide Documentation : I have repeatedly requested the following documents to validate these accounts, but XXXX and XXXX have failed to provide any of them : Authenticated Double-Entry Accounting Records : A detailed breakdown of all transactions showing how charges were debited and credited. \nOriginal Signed Contracts or Agreements : Proof of my obligation to pay these debts. \n1099-C Form : If the debt has been forgiven, canceled, or settled for less than the full balance, this form is required under IRS regulations ( 26 U.S.C. 6050P ). \nPotential Fraudulent Reporting : The continued reporting of these accounts without proper validation or documentation may also violate the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ), which prohibits unfair and deceptive practices in credit reporting. \nLegal Precedents Supporting My Case XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : The court held that if a credit reporting agency can not verify the accuracy of a disputed account, it is obligated to delete the item from the credit report. \nXXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnishers of information are required to conduct proper investigations and verify the accuracy of reported information. \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies are obligated to perform independent investigations to ensure accuracy. \nDemand for Immediate Action Immediate Deletion : Remove the Nissan Motor Acceptance XXXX and XXXX XXXX accounts from my credit report immediately. \nProvide Validation Documents : If XXXX intends to continue reporting these accounts, provide the following documents within 10 days : Authenticated double-entry accounting records. \nOriginal signed contracts or agreements.\n\nIRS 1099-C forms ( if applicable ). \nWritten Confirmation : Provide written confirmation of the deletion or detailed documentation validating the accounts. \nNotice of Escalation If XXXX and XXXX fails to comply with this request, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \nSubmit a complaint to my state attorney general for violations of the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ).\n\nPursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA. \nThank you for your immediate attention to this matter. Please respond in writing to the address provided above","date_sent_to_company":"2024-12-20T06:25:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"11216795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2024-12-20T05:58:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Submit a complaint to my state attorney general for violations of the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ).\n\nPursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA. \nThank you for your immediate attention to this matter. Please respond in writing to the address provided above"],"issue":["Problem with a company's investigation into an existing problem"],"company":["NISSAN MOTOR ACCEPTANCE COMPANY LLC"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[11.651551,"11216795"]},{"_index":"complaint-public-v1","_id":"15837242","_score":11.371054,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Re : Dispute of Repossession and Request for Credit Deletion Vehicle : XXXX BMW XXXX XXXX Date of Repossession : Approx. XX/XX/XXXX Dear BMW Financial Services, I am writing to formally dispute the repossession and subsequent reporting of the above-referenced account related to my XXXX BMW XXXX XXXX, repossessed around XX/XX/XXXX. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as I believe the repossession and/or the loan balance is inaccurate and may have been wrongful.\n\nBasis of Dispute : 1. Inaccurate Loan Balance / Terms I believe there were material errors in the loan accounting or terms that directly impacted the status of my account. This may include misapplied payments, incorrect late fees, or miscommunication of balance due.\n\n2. Repossession Without Proper Notice ( if applicable ) If proper written notice of default, right to cure ( as required under [ State Law insert your state ] ), or post-repo notice of sale was not provided, the repossession may have violated UCC Article 9 and applicable state motor vehicle repossession laws.\n\n3. Negative Credit Reporting Without Proper Investigation Under the FCRA ( 15 U.S. Code 1681s-2 ), you are required to conduct a reasonable investigation upon receiving notice of a dispute. Continued reporting of inaccurate or unverified information constitutes a violation of federal law. \n\n\n\nRequested Actions : Conduct a full investigation into the accuracy and legality of the repossession and underlying loan terms.\n\nProvide all documentation, including : Complete payment history.\n\nDefault and repossession notices.\n\nNotice of sale and deficiency details. \nAny audio or written communication regarding repossession. \nIf you are unable to validate the loan balance and legal compliance with notice and repossession laws, I request : Immediate deletion of this tradeline from all credit reporting agencies.\n\nCessation of all collection efforts on this account.\n\nWritten confirmation of the above actions.\n\nPlease consider this letter as a formal dispute under the FCRA and FDCPA, and respond within 30 days, as required by law. I am also sending copies of this dispute to the credit bureaus. \n\nFailure to resolve this issue may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and your states Attorney General.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-11T15:16:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"91423","tags":null,"has_narrative":true,"complaint_id":"15837242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2025-09-10T23:24:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Repossession Without Proper Notice ( if applicable ) If proper written notice of default, right to cure ( as required under [ State Law insert your state ] ), or post-repo notice of sale was not provided, the repossession may have violated UCC Article 9 and applicable state motor vehicle repossession laws.\n\n3. Negative Credit Reporting Without Proper Investigation Under the FCRA ( 15 U.S. Code 1681s-2 ), you are required to conduct a reasonable investigation upon receiving notice of a dispute."]},"sort":[11.371054,"15837242"]},{"_index":"complaint-public-v1","_id":"16859831","_score":11.157044,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to formally dispute and request a full review and refund of late fees that were assessed to my account despite my loan being enrolled in automatic payments through Infinity Financial Services / Nissan Motor Company. \n\nI originally leased my vehicle and later refinanced it with a loan through your institution. When I refinanced, I explicitly requested automatic payments so that my monthly payments would be drafted directly from my checking account to avoid any risk of missed or late payments. For nearly six years, payments have been withdrawn from my account automatically and consistently. \n\nHowever, upon the recent payoff of my vehicle, I was shocked to learn that my account has accumulated over {$1300.00} in late fees. At no time was I ever notified that payments were being marked late, nor did I receive any written communication or alerts indicating recurring delinquencies. Had I been made aware, I would have immediately requested clarification or correction. \n\nThis situation is deeply concerning, as it appears to represent a systemic error or failure in your auto-draft system. By setting up and confirming automatic payments, a reasonable consumer would have every expectation that payments would be processed on time and that no late fees would accrue. Continuing to charge late fees without notice contradicts principles of fair and transparent billing. \n\nRegulatory and Consumer Protection Context Under the Truth in Lending Act ( TILA ) and the Consumer Financial Protection Bureau ( CFPB ) s regulations on billing and automatic payments ( 12 CFR 1026 ), creditors are required to : Provide clear notice of any fees or penalties applied to an account ; Ensure payments scheduled through automatic payment systems are processed in a timely manner ; and Correct billing errors or system defects that unfairly disadvantage consumers. \n\nFurthermore, continuing to assess late fees when payments were automatically initiated by your system may constitute an unfair or deceptive practice under Section 5 of the Federal Trade Commission Act.\n\nRequested Resolution I am requesting the following : 1. A full investigation and written explanation of how these late fees were incurred while my account was on automatic payments ; 2. A refund or credit of all late fees assessed during the loan term ; and XXXX. A statement confirming that my account has been reported as current and paid in full to all credit bureaus. \n\nIf this issue can not be resolved directly, I will be submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals Office for review, as it appears to involve a pattern of misleading or unfair billing practices.\n\nI appreciate your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-28T23:46:52.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"90605","tags":null,"has_narrative":true,"complaint_id":"16859831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2025-10-28T23:42:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["If this issue can not be resolved directly, I will be submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals Office for review, as it appears to involve a pattern of misleading or unfair billing practices.\n\nI appreciate your prompt attention to this matter. \n\nSincerely, XXXX XXXX"],"company":["NISSAN MOTOR ACCEPTANCE COMPANY LLC"]},"sort":[11.157044,"16859831"]},{"_index":"complaint-public-v1","_id":"6400977","_score":11.017586,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When I pulled my credit report, I was shocked to see that I had 25 hard inquiries! A credit inquiry is a request by an institution for credit report information from a credit reporting agency. Credit inquiries can be from all types of entities for various reasons, but they are typically made by financial institutions. They are classified as either a hard inquiry or a soft inquiry. To my understanding a hard Inquiries are requested from a credit bureau whenever a borrower completes a new credit application, in which I did not do! They are retrieved using a customers Social Security number and are required for the credit underwriting process. Hard inquiries provide a creditor with a full credit report on a borrower. This report will include a borrowers credit score and details on their credit history. \n\n\n\nI was surprised to see this because I did not give anyone permission to look at my credit report. It is to my understanding that I must give written consent for someone or a company to look at my credit report this is permissible purpose 15 U.S. Code 1681b subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. \n\n15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. \n\n( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. \n\n( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\nI am not applying nor on CHILD SUPPORT!\n\nAlso 16 CFR part 313 ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. \n\nScope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. \n\nI did in fact fill out an identity theft affidavit, and to my knowledge the inquiries are still on my credit report.","date_sent_to_company":"2023-01-06T01:11:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"6400977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-06T01:11:00.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You."]},"sort":[11.017586,"6400977"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":119,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":119}]}},"product":{"doc_count":119,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":49,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":49}]}},{"key":"Vehicle loan or lease","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":29},{"key":"Lease","doc_count":3}]}},{"key":"Debt collection","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Auto debt","doc_count":10},{"key":"Other debt","doc_count":3},{"key":"I do not 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