{"took":366,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":58,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8443375","_score":24.999903,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I was doing research on Credit Acceptance and I saw where consumers were complaining about hidden fees and charges on their auto loan. I do own a vehicle and it is currently financed through the stated company. I understand they help people with bad credit but the fees and interest rate are astronomical. Im currently on XXXX XXXX XXXXXXXX due to an XXXX  and they have worked with me from time to time. In XXXX my vehicle was repossessed and I was able to get it back but Im still paying that horrible XXXX interest rate and nothing towards the principle. This company is a total ripoff and I read where they have XXXX of lawsuits against them for all the hidden fees, late charges and whatever else theyve done. I too am filing a complaint against this company for the same reasons. I possibly maybe consulting with a lawyer as well.","date_sent_to_company":"2024-02-28T19:05:08.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"8443375","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-02-28T18:14:02.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["I was doing research on Credit Acceptance and I saw where consumers were complaining about <em>hidden</em> fees and <em>charges</em> on their auto <em>loan</em>. I do own a vehicle and it is currently <em>financed</em> through the stated company. I understand they help people with bad credit but the fees and interest rate are astronomical. Im currently on XXXX XXXX XXXXXXXX due to an XXXX  and they <em>have</em> worked with me from time to time."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[24.999903,"8443375"]},{"_index":"complaint-public-v1","_id":"11816417","_score":22.883778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not even sure if i clicked the right boxes because they didn't quite fit my complaint. Back in XXXX XXXXXXXX solar sold me on solar panels with the promise of in their words \" sticking it to XXXX ''. I was promised many things by the solar company, including panels that work and provide enough energy to not only get rid of my energy bill but also enough power to send back to the grid and generate credits for the future. I was promised XXXX insulation roughly to the sum of {$10000.00}, they did not install any insulation. I was promised a federal tax credit of 26 % of the cost of the solar panels which i also did not receive, as the salesman worded it as if i was going to receive a lump sum check that i could pay back to Dividend Finance, the lender, to help pay down the loan, which also did not happen. Instead, the salesman pushed and pushed to have me sign everything the same day so i could not read it properly in length and have time to consider such a big purchase. I have read that the finance company is in litigation in other states because of misrepresentation by the solar company, and for HIDDEN FINANCE CHARGES, which to my knowledge is illegal under the Truth In Lending Act. I have been paying the finance company on time every month since XXXX, while also paying an electric bill that i was promised would not exist. They also told me that the solar panels on the north side of my roof would generate enough power and wouldn't be a problem, but they are almost never touched by the sun to generate any power whatsoever. The system has failure after failure, and is now causing mold damage to the north side of my roof, since the panels are almost in complete darkness even during the day, the underside of the panels has become a haven for mold. I just need some guidance as to how or what i can do to be free of this pain. The finance company gives me the runaround and wont let me see my loan when i try to go on their portal to view it, it says my loan does not exist. i have asked them about it and they say that they can see it on their end but give me no solution as to why i can not see it. I have contacted the Michigan Attorney General about this and they are working on something but who knows how long or what they are doing about it. I want help to see if they have hidden finance charges on my loan as well and also how would i find this information on my own if possible. The truth in lending act disclosure does not give any breakdown of the cost of the panels, installation, or anything, all it says is my loan amount and the apr, and the finance charge of it being paid over 30 years. Please help or at least point me in any proper direction.","date_sent_to_company":"2025-01-28T22:14:06.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11816417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-01-28T21:33:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I want help to see if they <em>have</em> <em>hidden</em> <em>finance</em> <em>charges</em> on my <em>loan</em> as <em>well</em> and also how would i find this information on my own if possible. The truth in lending act disclosure does not give any breakdown of the cost of the panels, installation, or anything, all it says is my <em>loan</em> amount and the apr, and the <em>finance</em> <em>charge</em> of it being paid over 30 years. Please help or at least point me in any proper direction."]},"sort":[22.883778,"11816417"]},{"_index":"complaint-public-v1","_id":"14260343","_score":22.118113,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX through a dealership in New Jersey ( called XXXX  XXXX ). My auto loan was financed by LendBuzz. I agreed to purchase the vehicle at a listed price of approximately {$18000.00} and made a {$7000.00} down payment. However, the total loan amount ended up being {$27000.00}, which I later discovered included unauthorized add-ons and hidden fees that were not clearly disclosed to me. \nAfter reviewing the loan documents more closely, I noticed two major charges one for {$5200.00} and another for {$2600.00} neither of which I knowingly agreed to. These were labeled as vague options such as XXXX and XXXX and XXXX, and were not discussed or explained during the sale. LendBuzz financed this inflated amount without verifying the legitimacy or necessity of those additional charges.\n\nI called LendBuzz recently ( in XX/XX/XXXX ) to inquire, and the representative confirmed that only one product XXXX XXXX XXXX was listed on their end. The other two charges were never disclosed to them either and appear to have been added by the dealership without my full understanding or consent. \nIve since canceled the XXXX protection and received a refund of {$4000.00} toward my loan balance. However, Im still paying off thousands of dollars for products I did not agree to. I am now significantly upside down on this loan and unable to trade in the vehicle or refinance, which is damaging my financial stability.\n\nIm requesting an investigation into whether this loan was processed fairly and in compliance with disclosure laws, as well as whether XXXX should have done more to verify the legitimacy of the loan amount and the items it was financing.","date_sent_to_company":"2025-06-25T01:39:34.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"14260343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lendbuzz Inc.","date_received":"2025-06-25T01:28:39.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Im requesting an investigation into whether this <em>loan</em> was processed fairly and in compliance with disclosure laws, as <em>well</em> as whether XXXX should <em>have</em> done more to verify the legitimacy of the <em>loan</em> amount and the items it was <em>financing</em>."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[22.118113,"14260343"]},{"_index":"complaint-public-v1","_id":"15475030","_score":21.343582,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Exeter Finance Company makes high-interest rate auto loans. I am trying to pay off the full amount of an existing loan, and Exeter is, deliberately I think, making it difficult to impossible to do that in the following ways : 1 ) there is no address on their website for where to send a payment ; 2 ) they do not accept more than {$3000.00} in payments either online or over the phone ; 3 ) they do not accept more than two payments every 2-3 days either online or over the phone ; 4 ) they do not accept wire transfers at all. \nAfter 5 different phone calls to their customer service number, I have learned that the only way to submit payment of the full payout amount in full is to send a paper check through the U.S. mail to a well-hidden address in Texas and hope that it gets there and is properly applied. This is beyond absurd when dealing with an amount over {$22000.00}. I am forced to conclude that Exeter puts logistical barriers in the way of paying off these loans because it doesnt * want * them to be paid off. Why would they? They are making a lovely profit charging 15 % interest on the loan, and they dont want the borrowers to be able to get out from under that. \nExeter Finance is a scam.","date_sent_to_company":"2025-08-23T21:58:42.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"22207","tags":"Older American","has_narrative":true,"complaint_id":"15475030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-08-23T21:41:34.000Z","state":"VA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["They are making a lovely profit <em>charging</em> 15 % interest on the <em>loan</em>, and they dont want the borrowers to be able to get out from under that. \nExeter <em>Finance</em> is a scam."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"company":["Exeter <em>Finance</em>, LLC."],"sub_product":["<em>Loan</em>"]},"sort":[21.343582,"15475030"]},{"_index":"complaint-public-v1","_id":"12691852","_score":21.15658,"_source":{"product":"Mortgage","complaint_what_happened":"I am concerned with the way that Selene Finance has handled the servicing of my mortgage loan, I have major questions regarding the past due balance as well as the outrageous and predatory fees that I have been charged, Originating with XXXX loan servicing. I believe that the accounting is inaccurate and I am frustrated that their loss mitigation department has obstructed and denied access to homeowner assistance programs that could help me work this issue out. My problem began with the previous servicer XXXX  who refused to offer any type of options to work with me when my tenant, a retired and XXXX XXXX. Veteran passed away in the subject property which led to legal complications that prohibited me from renting out the unit to a new tenant for several months. I filed a complaint against XXXX accusing them of predatory lending because they had an unconscionable clause hidden in their paperwork that they could charge me almost 20 % in interest calculated daily if I fell behind on the payments. This seems to be a violation of RESPA, this is not how mortgage loans work and the outrageous and illegal fees and charges have all been lumped into the past due balance that Selene Finance claims I owe. \n\nI have made multiple attempts to try and resolve this situation with Selene and get back into good standing but each time I have tried to get assistance for the mortgage I am given the runaround and the process is delayed, obstructed, stalled and stopped only to eventually result in a denial. I have been given multiple excuses by Selene as to why I do not qualify for assistance, but these evaluations are based on incorrect or outdated information. I feel that Selene Finance has not acted in good faith. \n\nI purchased the property in XXXX and the lender set aside some money for repairs but it was not enough and I needed to come out of pocket over $ XXXX using credit cards and savings in order to get a certificate of occupancy. Eventually a XXXX veteran and his family rented out the home and paid as agreed for a couple of years until he passed away in XX/XX/XXXX. This event coincided with multiple increases to my escrow account due to hazard insurance rates going up and up. The monthly payment went from {$1900.00} to {$2200.00} to {$2500.00}. At the same time the family fell behind on rent in XX/XX/XXXX and due to legal complications it took me about 6 months to get the family out of the home and get it cleaned out and ready for a new tenant. The first payment I missed was in XX/XX/XXXX and I contacted the lender XXXX  to ask if they could work with me or help me with any type of forbearance or workout or modification. They told me absolutely not, we cant do that for you, but we can charge you 20 % interest daily since you did not make the mortgage payment on time ( through no fault of my own ). I was shocked that this predatory clause was hidden in the small print of my mortgage loan and outraged that they would treat me this way. \n\nOnce the loan was transferred to Selene I was able to at least talk to someone who said they could help me. The problem is that I have been unable to get any type of assistance from Selene, and I get a different excuse every time. My hardship is resolved, I have a new tenant and I have the ability to make the payment. Selene is stating that I am close to $ XXXX behind on this loan, even though my first missed payment was only 10 months ago. I dont understand how these numbers make sense, and I demand that Selene Finance provide all original loan documents, as well as a clear payment history, documenting all payments made and how they were applied as well as a breakdown of all fees, charges and interest that have been charged to my account.","date_sent_to_company":"2025-03-28T02:24:34.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"701XX","tags":null,"has_narrative":true,"complaint_id":"12691852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2025-03-28T02:20:10.000Z","state":"LA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I dont understand how these numbers make sense, and I demand that Selene <em>Finance</em> provide all original <em>loan</em> documents, as <em>well</em> as a clear payment history, documenting all payments made and how they were applied as <em>well</em> as a breakdown of all fees, <em>charges</em> and interest that <em>have</em> been charged to my account."]},"sort":[21.15658,"12691852"]},{"_index":"complaint-public-v1","_id":"6715548","_score":20.452433,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My husband and I financed a car with Credit Acceptance Corp and we believe that we were lead into a misleading loan. We are paying 22.99 % percent, {$390.00} a month for a used XXXX XXXX XXXX that at the time had XXXX miles. When we brought it at the dealership we remember it saying {$9900.00}. We put down {$1000.00} and we still have to pay {$390.00} for 51 payments. After reading complaint after complaint regarding Credit Acceptance from its consumers as well as seeing that they have been sued by Mississippi and had to pay for their deceptive practices and also with New York Attorney General and CFPB for misleading consumers into loans they could not afford by practicing churning and deceptive loans. We also believe that we were wronged. Our loan is 51 months, and the interest has made the car over {$4600.00} dollars more than the value of the car {$4400.00}. We have already paid {$11000.00} which is more than the cost of the price on the car {$9900.00}. We feel misled putting down {$1000.00} still having to pay {$20000.00} for 51 payments. And how a car that is {$4400.00} blue book value ended up being financed with a total cost {$21000.00} and We are stuck with this loan for a long time. I always thought this loan was confusing and complex with contracts hidden inside of the contract with a financed charge for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts hidden within a contract which makes this a complex contract that can not be understood by the common consumer. It took us years to understand our contract along and we still dont fully understand it but we know we have been misled. But it seems like my Loan has barely gone down even we have paid {$11000.00} almost 3 times the actual value of the car. I reached out to the New York Attorneys office who is currently suing Credit Acceptance Corporation along with the Consumer Financial Protection Bureau. I have complained several times without a real resolution and fear that Credit Acceptance Corporation will not really investigate our case but just throw out what we are saying just like they have dismissed us in the past. We would like someone else to reevaluate this loan. Credit Acceptance Corporation has destroyed our credit and we are currently unable to get a home for our family because of it.","date_sent_to_company":"2023-03-18T17:18:52.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"6715548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-03-18T17:03:10.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I always thought this <em>loan</em> was confusing and complex with contracts <em>hidden</em> inside of the contract with a <em>financed</em> <em>charge</em> for each contract XXXX XXXX which is a warranty contract for {$1600.00} with a term of 24 months and XXXX XXXX {$1100.00} for 51 months are two contracts <em>hidden</em> within a contract which makes this a complex contract that can not be understood by the common consumer."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[20.452433,"6715548"]},{"_index":"complaint-public-v1","_id":"15470851","_score":19.537228,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"CFPB Complaint Narrative Wells Fargo Auto XXXX ( Account No. XXXX ) I am filing a complaint regarding my auto loan with Wells Fargo Auto, which I believe was originated under fraudulent and deceptive circumstances by Texas XXXX of Grapevine, causing me significant financial harm. \n\nBackground of Purchase : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from Texas XXXX XXXX Grapevine. \nThe vehicle was advertised on XXXX for {$14000.00}. \nI placed a {$9000.00} cash down payment. \nDespite this, Wells Fargo Auto financed me at 12.79 % APR, leaving me with a current payoff balance of {$13000.00} far higher than the amount shown in the dealers own deal summary, which listed only {$5900.00} financed. \n\nDealer Misrepresentation & Loan Steering : I was pre-approved through XXXX XXXX, yet the dealer steered me into Wells Fargo financing at a much higher cost. \nText messages from the dealer confirm that they received my pre-approval but chose not to honor it, telling me : The paperwork would only be ready whenever you sign the agreement on the payment This indicates they disregarded my pre-qualified financing and pressured me into Wells Fargo financing instead. \nThis constitutes loan steering and deceptive lending practices, increasing my costs without my informed consent. \n\nConcealed Damage & Misrepresentation of Vehicle : After purchase, XXXX XXXX performed an inspection showing {$6300.00} in hidden frame and mechanical damage, including rear frame damage. \nThe XXXX report also revealed prior damage that was not disclosed at the time of sale. \nThis shows the vehicle was misrepresented, meaning the loan itself was originated based on fraudulent collateral value. \n\nLegal and Compliance Concerns : XXXX. Truth in Lending Act ( XXXX ) : The advertised deal summary and the actual loan terms differ significantly in XXXX, amount financed, and payoff balance. \nXXXX. XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ) : Dealer misrepresentations and steering away from pre-approved financing harmed me financially. \nXXXX. FTC Used XXXX XXXX : Dealers must disclose known frame damage. This was not done. \nXXXX. Texas Deceptive Trade Practices Act ( DTPA ) : Misrepresentations and concealments are prohibited under Texas law.\n\n5. Dealers Own Terms of Use ( Texas XXXX of XXXX, rev. XX/XX/XXXX ) : Their terms state that fraud and fraudulent misrepresentation are exceptions to arbitration and liability disclaimers, reinforcing that I am entitled to remedies for fraud. \n\nRequested Resolution : I request that Wells Fargo Auto cancel or adjust the loan balance, given that it was originated under fraudulent misrepresentation and loan steering. \nI also request Wells Fargo cease reporting negative marks or charging fees while this dispute is under review. \n\nSupporting Documentation Provided : XXXX advertisement and deal summary showing the {$14000.00} price and {$5900.00} financing. \nWells Fargo Auto loan statement dated XX/XX/XXXX. \nText messages from Texas XXXX of XXXX confirming misrepresentation and steering. \nXXXX XXXX repair estimate ( {$6300.00} ). \nXXXX report showing undisclosed damage. \nXXXX of Texas XXXX of Grapevines Terms of XXXX acknowledging fraud exceptions. \nComplaint filed with the Texas Attorney General ( XXXX ). \n\nThis loan should never have been originated under these terms. I ask the CFPB to require Wells Fargo Auto to review this matter and provide appropriate relief.","date_sent_to_company":"2025-10-08T13:54:57.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"76017","tags":"Servicemember","has_narrative":true,"complaint_id":"15470851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-23T17:08:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["This <em>loan</em> should never <em>have</em> been originated under these terms. I ask the CFPB to require <em>Wells</em> Fargo Auto to review this matter and provide appropriate relief."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["<em>Loan</em>"]},"sort":[19.537228,"15470851"]},{"_index":"complaint-public-v1","_id":"16537031","_score":19.279207,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Credit Acceptance Corporation Predatory Auto Loan, Misrepresentation, and Unfair Contract Practices I am requesting restitution of approximately {$13000.00} as a goodwill or restitution payment to resolve the financial and emotional harm caused by Credit Acceptance Corporation and the partner dealership who arranged my auto loan. \nMy vehicle was financed through Credit Acceptance at an APR of 22.99 %, far above reasonable market rates. The contract included add-on products ( GAP and service contract totaling {$2700.00} ) that were represented to me as required for approval. These add-ons were financed with interest, inflating my amount financed and total loan cost in violation of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 C.F.R. 1026.18 ), which require full disclosure of finance-charge components and optional products. \nAdditionally, there appears to have been an undisclosed dealerlender participation or kickback arrangement, in violation of 15 U.S.C. 1638 ( a ) and the FTC Holder Rule ( 16 C.F.R. 433 ), which requires full transparency of dealer compensation. This hidden markup structure allowed both the dealer and Credit Acceptance to profit at my expense. \nMy payment ledger shows I made consistent payments from XXXX through XXXX totaling well over {$10000.00}, yet my principal barely decreased because nearly all payments went toward excessive finance charges. The ledger includes repeated WAIVE INTEREST, REVERSAL, and ADVANCE/PRINCIPAL entries that suggest manipulated or inconsistent accounting of finance charges. Despite these payments, my vehicle was repossessed and sold at auction for {$2700.00}. Only a partial GAP refund of {$720.00} was applied, even though I paid {$1300.00} plus interest for that product. \nThese actions constitute unfair, deceptive, and unconscionable business practices under the Indiana Deceptive Consumer Sales Act ( IC 24-5-0.5 ) and also violate UCC 9-611 ( improper notice and accounting after repossession ). They reflect a pattern of conduct that has been the subject of previous CFPB and state Attorney General actions against Credit Acceptance for predatory subprime lending. \nI am attaching screenshots of my payment history to demonstrate the consistent payments and irregular accounting. I request that the CFPB require Credit Acceptance Corporation to produce my full payment ledger in XXXX XXXXormat directly to me and to the Bureau, including all finance-charge breakdowns, reversals, and adjustments, to confirm the full extent of overpayment and misrepresentation. \nThis experience caused severe financial and emotional hardship. I paid diligently for years in good faith, only to lose the vehicle and discover the loans manipulative structure. Even after the account was deleted from my credit report, I have suffered ongoing stress, XXXX XXXXnd financial strain from the money I lost and the deceptive manner in which this account was handled. \nI respectfully request that the CFPB direct Credit Acceptance Corporation to provide a {$13000.00} restitution or goodwill payment to compensate for the overpayments, inflated finance charges, GAP and warranty costs, and resulting harm. I also request a full release of any remaining balance and a written confirmation that the account remains permanently closed and reported as satisfied.","date_sent_to_company":"2025-10-13T22:39:49.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"46410","tags":null,"has_narrative":true,"complaint_id":"16537031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-10-13T22:34:36.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Excess mileage, damage, or wear fees, or other problem after the lease is finished"},"highlight":{"complaint_what_happened":["These add-ons were <em>financed</em> with interest, inflating my amount <em>financed</em> and total <em>loan</em> cost in violation of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 C.F.R. 1026.18 ), which require full disclosure of <em>finance</em>-<em>charge</em> components and optional products."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Problems at the end of the <em>loan</em> or lease"]},"sort":[19.279207,"16537031"]},{"_index":"complaint-public-v1","_id":"5099071","_score":18.992126,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Credit acceptance used deceptive forms and means to make a profit of of my identity, in exhibit labeled 1 CA violated laws:15 US 1605 ( a ) ( 1 ) ( d ) ( e ) ( f ), charging 102 % overstated fees, 15 US 1692e at 23 % apr well over alabama 6-8 % interest rate, providing a loan with that amt is usurious as defined my law, exhibit 2 shows violations:15 US 1692e, 1605 ( a [ 1-5 ] ) ( d ) ( e ) ( f ), 1692e ( 2 ), positive balance, overstated fees, separate fees. 15 us 1605 states The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services providedg and does not retain the charges, I dont retain any charges, finance charge should not contain Interest, time price differential, and any amount payable under a point, discount, or any charges.Credit acceptance guilty of using HIDDEN FINANCE CHARGES, charging horrendous fees to borrower due to inaccurate credit reporting by bureaus, borrowers there were charged the maximum legal interest rate ; credit acceptance never informed me in the initial communication that they were in fact a debt collector/a debt as required by law, used my social security to collect a profit whether or not i was approved for insurance, i applied for credit not insurance, credit acceptance provided invalid information to bureaus causing harm to credit score, this is unlawful, truth is sovereign, understand how the UCC operates in order to have the upper hand in our dealings with the IRS. The essential elements of the Commercial Law are good, being based upon : Good faith action. \nClean hands doctrine. \nFair business practices. \nFull disclosure. \nDuty of care. \nJust compensation. \nEqual protection of the law. \nMercy. \nGrace. \n\nWhich Credit acceptance lacks Revoking all rights, as original creditor, owner, power of attorney, consumer The have been disputing with XXXX, XXXX XXXX, XXXX","date_sent_to_company":"2022-01-11T19:31:15.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"361XX","tags":null,"has_narrative":true,"complaint_id":"5099071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2022-01-11T19:19:05.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional add-on products or services purchased with the loan"},"highlight":{"complaint_what_happened":["not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the <em>charges</em> or the services providedg and does not retain the <em>charges</em>, I dont retain any <em>charges</em>, <em>finance</em> <em>charge</em> should not contain Interest, time price differential, and any amount payable under a point, discount, or any <em>charges</em>.Credit acceptance guilty of using <em>HIDDEN</em> <em>FINANCE</em> <em>CHARGES</em>, <em>charging</em> horrendous"],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional add-on products or services purchased with the <em>loan</em>"]},"sort":[18.992126,"5099071"]},{"_index":"complaint-public-v1","_id":"17431581","_score":18.899754,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing a complaint about GoodLeap ( formerly Loanpal ) in connection with a residential solar loan and their refusal to provide a basic, itemized accounting of my loan proceeds. \n\nIn XX/XX/XXXX, I was approached at my home by XXXX XXXX XXXX sales representative for a door-to-door solar sale. On XX/XX/XXXX, I signed a solar financing agreement with Loanpal ( now GoodLeap ) for a XXXX XXXX system with XXXX XXXX Q Cells panels and a XXXX XXXX XXXX. The total amount financed was {$47000.00} at 2.99 % interest over XXXX  years. \n\nThe sales representative presented XXXX XXXX XXXX company that would finance the deal and did not offer any other lenders, loan options, or cash pricing comparisons. My initial monthly loan payment was {$170.00}, with a later payment of {$230.00} unless I made a 26 % prepayment that was described as being tied to a tax credit or rebate. I was led to believe I would receive a large rebate aligned with the tax credit that I could apply to the loan so my payments would stay low. I was also told my utility bill would be eliminated or reduced to a small amount because the system would pay for itself. \n\nNone of this has happened. Before solar, my electric bills were about {$100.00} in winter and {$110.00} in summer. After solar, I still had utility bills around {$120.00}, plus the solar loan payment of {$170.00} for about XXXX  months and then {$230.00} per month. My total monthly costs went up instead of down. No reasonable consumer would knowingly sign a XXXX loan that raises their total monthly expenses. \n\nThe XXXX XXXX XXXX estimated about XXXX kWh of yearly production, but the system has not performed as promised. I experienced inconsistent production and months where my system did not work at all. XXXX XXXX XXXX went out of business in XXXX, well before the end of my five-year workmanship warranty, leaving me without warranty support or a responsible installer to fix the problems. My monitoring was never properly set up or supported, and I kept asking for help but did not receive effective service. \n\nI later learned that the financed amount of {$47000.00} for a XXXX kW system with XXXX battery is extremely high and likely includes a large hidden dealer or financing fee. No one ever gave me a breakdown of how the contract price was calculated, how much was actually paid to the installer, or how much was kept as dealer or origination fees. The finance paperwork just shows the full contract amount with no clear itemization. I also discovered there is a XXXX lien on my equipment that was never clearly explained during the sale. \n\nBecause of these issues, I sent GoodLeap a written demand letter explaining the misrepresentations, the systems underperformance, the lack of warranty support after the installer went out of business, and the excessive/hidden financing costs. I specifically asked GoodLeap to : Pause all billing, collection, and credit reporting activity while the dispute is pending ; and Provide a full, itemized accounting of my loan proceeds, including : Amounts actually paid to the installer or affiliates ; and Any dealer, broker, or origination fees or other amounts withheld or retained.\n\nGoodLeaps recent response states that they have paused billing and collection activity, but they refuse to stop credit reporting and they refuse to provide the itemized accounting of my loan proceeds. In writing, GoodLeap told me they are not inclined to provide this information.\n\nIn other words, while acknowledging my dispute and pausing billing/collections, GoodLeap is : Continuing to report my loan to the credit bureaus during an active dispute ; and Refusing to give me basic, core information that is entirely in their control about how my loan funds were used and how much was taken as dealer or origination fees.\n\nI believe this is unfair and deceptive. GoodLeap is the lender/loan holder and has full access to how my loan proceeds were disbursed. By refusing to provide an itemized accounting, they are preventing me from understanding the true cost of the loan, whether I was charged hidden or excessive finance charges, and whether the transaction complies with the Truth in Lending Act and other consumer-protection laws. It also keeps me from fully evaluating my options to resolve the dispute. \n\nOn top of that, XXXX XXXX XXXX is out of business, leaving me with an underperforming or non-operational system and no installer warranty support. Yet GoodLeap continues to benefit from the inflated loan while refusing to be transparent about where the money went or how much they and their partners received.\n\nI am an ordinary homeowner who relied on the representations of the solar company and GoodLeap. Instead of savings, I ended up with higher monthly costs, an unreliable system, a defunct installer, and a lender that will not even tell me how my loan money was used.","date_sent_to_company":"2025-11-21T11:06:55.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"17431581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2025-11-21T10:37:27.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["By refusing to provide an itemized accounting, they are preventing me from understanding the true cost of the <em>loan</em>, whether I was charged <em>hidden</em> or excessive <em>finance</em> <em>charges</em>, and whether the transaction complies with the Truth in Lending Act and other consumer-protection laws. It also keeps me from fully evaluating my options to resolve the dispute."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[18.899754,"17431581"]},{"_index":"complaint-public-v1","_id":"3046010","_score":18.884996,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"It is 2 years I'm trying to fix my car loan paid off issue, wrong credit reporting, and over-charged refund with Wells Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the Wells Fargo 's of the President. \n\nI bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with hidden issues, not knowing it was a on finance from the Wells Fargo. I was charged {$16000.00} XXXX plus with a huge down payment to pay in 5 years, but refused and objected to pay it in 3 years which I did. \nIn the process of paying, and getting closer to finalizing my payment, Wells Fargo began to add unnecessary charges into my account. In an instant, they added {$1100.00} to my account without any my prior information and approval. On several calls for better reasons and information from Wells Fargo, they kept rejecting calls, and lots of hanging up calls, and direct to voicemails, even to make payment becomes a problem getting live person. I finally succeeded in paying off the loan and the over charge balance all in the about of about {$2300.00} in a single payment with the agreed period.Dealing with WFDS gave me a very bad experiences with the Wells Fargo Dealership Services. \nAfter paying off, getting my title became another big issues, and finally got a copied title that was still in Wells Fargo 's Name. \nMy Credit Bureau profile as of XX/XX/XXXX is still showing Paid, Closed, {$1800.00} written off. I have filed disputed with Wells Fargo to clear up this issues of erroneous and over-charging of my account, poor reporting, and Refund my {$1100.00} which they later claimed was for insurance of which I had personal insurance. All I am asking is correcting their mistakes, treating customers as they deserve, and refunding my over-charge {$1100.00} which is part of their poor reporting to the Credit Bureau as written of, it wasn't part of the load, it was my account over-charge payment of which has taking them over XXXX years to clearly account for, their promise to refund my over-charged payment should be swiftly acted upon.","date_sent_to_company":"2018-10-15T15:41:37.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"74136","tags":null,"has_narrative":true,"complaint_id":"3046010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-10-15T13:41:11.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["It is 2 years I'm trying to fix my car <em>loan</em> paid off issue, wrong credit reporting, and over-charged refund with <em>Wells</em> Fargo Bank, this issue has not been resolved despite with tons of phone calls, letters, disputes, etc, even to the <em>Wells</em> Fargo 's of the President. \n\nI bought a used XXXX XXXX XXXX from a dealership in XX/XX/XXXX at XXXX mile that they claimed was clean title, only to discover was accidental car, with <em>hidden</em> issues, not knowing it was a on <em>finance</em> from the <em>Wells</em> Fargo."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Problems at the end of the <em>loan</em> or lease"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other problem after the <em>loan</em> is paid off"]},"sort":[18.884996,"3046010"]},{"_index":"complaint-public-v1","_id":"7256645","_score":18.664824,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Closing its eyes to practices that harmed consumers : The company created financial incentives for dealers to add extra products to loans and then shrugged off whether customers were misled into thinking the add-on products were required. Add-on products, such as vehicle service contracts, are a profit center for Credit Acceptance. They represented about {$250.00} XXXX in revenue in XXXX alone. \nWhen borrowers default on loans, it can lead to severe consequences, including wage garnishment and an inability to borrow money in the future. A default on an auto loan can also lead to the borrower losing their means of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. \n\nThis is not the only action targeting Credit Acceptance for violation of consumer financial protection laws. For example, last year, the Massachusetts Attorney General secured more than {$27.00} XXXX for thousands of families harmed by Credit Acceptance.Hiding the true cost of credit : Since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR. However, the true cost of credit offered is far higher than what borrowers are told. This is because Credit Acceptances business model pushes dealers to manipulate the prices of vehicles sold to Credit Acceptance borrowers, based on borrowers projected performance. XXXX  then uses the projected collections to decide how much to pay its dealers. \nXXXX  pays dealers less for loans with lower scores because they are riskier, and XXXX  predicts it will collect less. Because XXXX  sets the interest rate for the loan and that interest rate does not change based on borrower risk, XXXX  lending model incentivizes dealers to sell cars at inflated prices, which increases the amount XXXX  pays the dealer. \n5. This means the principal amounts in XXXX  loans are often artificially inflated and far exceed the amount XXXX  expects to collect on the loan or has paid to its dealers. And because XXXX  has shifted the cost of the credit into the principal amount instead of the interest rate, consumers do not know they are paying these hidden costs of credit to finance their vehicles. 12 U.S.C. 5531 ( a ) ,5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), THEY ARE IN VIOLATION by obscuring the cost of credit for auto loans and taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences, as well as their inability to protect their interests, and for providing substantial assistance to dealers, even though XXXX  knew or should have known the dealers were misrepresenting the voluntary nature of add-on products. THEY JUST HAD A BIG LAWSUIT FOR A HIGH APR RATE AND THATS WHAT THEY DID TO ME MY APR IS XXXX, FINICANCE CHARGE IS WHAT I SUPOSED TO PAY FINCANCE CHARGE IS THE SUM OF ALL CHARGES ( ALL CHARGES ) ACCORDING TO THE LAW 15 U.S. Code 1605 - Determination of finance charge WHICH STATES Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. \n( 2 ) Service or carrying charge. \n( 3 ) Loan fee, finders fee, or similar charge. \n( 4 ) Fee for an investigation or credit report. \n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. \n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.","date_sent_to_company":"2023-08-17T15:10:59.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"43228","tags":null,"has_narrative":true,"complaint_id":"7256645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-07-15T20:51:43.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Code 1605 - Determination of <em>finance</em> <em>charge</em> WHICH STATES Examples of <em>charges</em> which are included in the <em>finance</em> <em>charge</em> include any of the following types of <em>charges</em> which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional <em>charges</em>. \n( 2 ) Service or carrying <em>charge</em>. \n( 3 ) <em>Loan</em> fee, finders fee, or similar <em>charge</em>. \n( 4 ) Fee for an investigation or credit report."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[18.664824,"7256645"]},{"_index":"complaint-public-v1","_id":"6993722","_score":18.592684,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"RE : Additional charges added to two loans without our knowledge or consent by this dealership. I have taken the steps to negotiate with this dealership unsuccessfully and they have refused a full refund of the undisclosed charges of \" RV Complete Warranties ''. Adding \" Additional charges '' to a loan without our knowledge or consent is not legal. I have read this through research and by talking to other well known dealerships. We purchased the RV from XXXX XXXX XXXX Texas on XX/XX/XXXX during the finance process the loan originator for our financing told us the lender etc and provided signature pages only not the full \" buyers order '' we were never made aware there was a \" buyers order ''. We were lead to believe we were signing loan documents on for XXXX XXXX XXXX XXXX IL. I spoke to XXXX on XX/XX/XXXX and they strongly suggested we file a complaint with the BBB as well as filing a complaint here. We did that file with the XXXX  on XX/XX/XXXX. During the loan process were only provided signature pages. The dealership added \" Additional Products '' to our loan without our knowledge or consent. Neither the sales person XXXX XXXX or the loan originator XXXX XXXX never shared information regarding \" RV Complete '' we did sign forms included in the signature pages that said RV Complete and we thought it was services provided included in sales price. The total charges added to our loan without our knowledge or consent is {$12000.00} for this purchase. We left the dealership without any paperwork and did not receive any paperwork for several weeks after the purchase they arrived via US mail. To add to the issue we decided to take this RV back and trade for another before we discovered to charges added to the first purchase. They would not allow a trade only a consignment sale. At the time of the second purchase they repeated the process above and charged us an additional {$15000.00} to our second loan. They also made a very unethical comment to us they said \" if the other lender called about the new loan to tell them the other RV was a boat '' which was a lie. We contacted XXXX XXXX @ XXXX a manager at \" RV Complete '' to dispute these charges and actions. He refused to remove the charges. \nThe total amount added to two loans and hidden from us is {$28000.00}. If we had decided not to keep the first RV and look at our payoff of the loan because of the deception during the process I am not sure we would have discovered the charges until much later. After much reseach and talking to other people who had puchased RV 's elsewhere with \" warranty offerings '' that were disclosed I learned this is a regulated industry with protections to keep this from happening. We are in a business ourselves that services the RV Community and are regulated by the department of insurance in each state. We hold ourselves to the standards of the Department of Insurance. We are seasoned RVers and have never had anything like this happen to us in fifteen years during RV transactions. If we had been offered the \" Additional Products '' would would have refused them. My concerns are if they were able to deceive us they have more than likely repeated this practice more than once. When researching XXXX XXXX on the internet it reveals their \" Main Industry '' as insurance NOT RV sales.","date_sent_to_company":"2023-05-18T14:58:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"780XX","tags":"Older American","has_narrative":true,"complaint_id":"6993722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLIANT CREDIT UNION","date_received":"2023-05-18T13:06:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["RE : Additional <em>charges</em> added to two <em>loans</em> without our knowledge or consent by this dealership. I <em>have</em> taken the steps to negotiate with this dealership unsuccessfully and they <em>have</em> refused a full refund of the undisclosed <em>charges</em> of \" RV Complete Warranties ''. Adding \" Additional <em>charges</em> '' to a <em>loan</em> without our knowledge or consent is not legal. I <em>have</em> read this through research and by talking to other <em>well</em> known dealerships."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[18.592684,"6993722"]},{"_index":"complaint-public-v1","_id":"15219373","_score":18.406422,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to dispute a serious billing issue involving a consumer financing account through Synchrony Bank. I purchased an air conditioning unit through a third-party company on XX/XX/XXXX, with a total financed amount of {$4900.00}. \n\nSince the start of the loan, I have made on-time monthly payments of {$170.00}, totaling {$4200.00} as of XX/XX/XXXX. Despite this, the current balance on the account has increased to {$6300.00} instead of decreasing. Synchrony Bank representatives have informed me that this is due to a security interest insurance charge of approximately {$150.00} per month a charge that was never disclosed, explained, or authorized at the time of signing. \n\nI have made multiple formal requests for the original signed contract, both by phone and in writing. Each time, I was told that it had been ordered and that I should wait 40 days. Despite waiting well over that time period, no contract has been provided. I have called multiple times, and the same response is repeated with no actual follow-up or delivery of the document. As of now, I have made two official requests, and both have been ignored.\n\nI am formally disputing : The accuracy of the reported account balance The validity of the undisclosed security insurance fee The failure to provide the original contract or legally required disclosures I request the following actions : Immediate removal of any unauthorized or hidden fees Correction of my account balance to reflect the payments Ive made Production of the original signed agreement and full itemized accounting This issue is harming my credit and causing financial distress. I have made every reasonable effort to resolve this directly with Synchrony Bank, but they have not complied. I now request assistance to enforce my rights under the Fair Credit Billing Act, the Truth in Lending Act, and relevant state laws","date_sent_to_company":"2025-09-04T13:26:56.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"33012","tags":null,"has_narrative":true,"complaint_id":"15219373","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-08-11T21:41:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["Synchrony Bank representatives <em>have</em> informed me that this is due to a security interest insurance <em>charge</em> of approximately {$150.00} per month a <em>charge</em> that was never disclosed, explained, or authorized at the time of signing. \n\nI <em>have</em> made multiple formal requests for the original signed contract, both by phone and in writing. Each time, I was told that it had been ordered and that I should wait 40 days. Despite waiting <em>well</em> over that time period, no contract has been provided."]},"sort":[18.406422,"15219373"]},{"_index":"complaint-public-v1","_id":"13433891","_score":18.326792,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Summary of XXXX XXXX XXXX and XXXX XXXX for XXXX Assistance Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX in XXXX I paid a {$10000.00} down payment and the advertised price of the vehicle on XXXX was {$44000.00}. I was not provided with any physical paperworkonly a XXXX XXXX that turned out to be blank. Unbeknownst to me, the dealership added {$18000.00} in unauthorized charges, including {$13000.00} in warranties and theft protection system ( which was never installed ) and {$4500.00} added to the base price ( of which {$1500.00} was a hidden charge for XXXX theft protection system which was never installed ), without my knowledge or consent. My wife was with me on the date of purchase XX/XX/XXXX. \n\nXXXX days later, on XX/XX/XXXX, the dealership created a new sales agreement, sales documents, Power of Attorney, and Odometer disclosure, forged my signature ( misspelled as XXXX XXXX ), and electronically signed my name with XXXX factor authentication credentials traced back to the dealerships own IP and emailconfirmed by a XXXX Police detective, XXXX XXXX. The dealership falsely claimed a XXXX XXXX XXXX of Attorney to do title work only gave them authority to do this, which it did not. \n\nWells Fargo accepted these forged documents, some with missing or conflicting dates, some duplicate copies with different signatures- actual and forged- and different dates and allowed the loan to be funded despite : * An invalid and defective title transfer ( A XX/XX/XXXX Odometer Disclosure with the forged signature and no notarization and no vehicle title transfer date- date is blank on the title making the title transfer invalid ), * Evidence that the dealership ignored Wells Fargos own XXXX XXXX to remove a hidden {$1500.00} XXXX charge and redo the contract, and * Wells Fargo never XXXX XXXX on their XX/XX/XXXX request for the dealership to correct the contract and remove the hidden and inflated charge for XXXX theft protection system, allowing the loan to go through at triple the cost that Wells Fargo will XXXX for XXXX which is {$500.00} according to the messaging thread. In addition, this product, XXXX theft protection system is not even on the truck. This shows that Wells Fargo had actual knowledge of fraud at the time of the origination of the loan. \n* No dates on the Truth in Lending Act XXXX on form XXXXXXXX XXXX XXXX XXXXXXXX and forged signatures. I was never given the Truth in Lending Act XXXX on my date of purchase XX/XX/XXXX which violates XXXX XXXX. In addition, there are no dates on the document which are normally found next to the buyers signature means there is no known date that the contract started. \n* XXXX different Dealer Assignment Documents on file with Wells Fargo, XXXX with actual signature and actual date of purchase XX/XX/XXXX and XXXX with forged signature and forged date of purchase XX/XX/XXXX. \n* There exists XXXX different Power of XXXX ( POAs ) with XXXX different dates and signatures- Wells Fargo has the forged copy with forged signature and date of XX/XX/XXXX in their possession ; I have actual copy with actual signature dated XX/XX/XXXX. \n* XXXX different dates on warranty contracts- Wells Fargo XXXX warranty contracts with both of these dates of XX/XX/XXXX and XX/XX/XXXX ; Warranty contracts with scratched out date of XX/XX/XXXX, change is initialed XXXX, by XXXX XXXX XXXX their finance XXXX which is unilaterally altering a contract and fraud. There are also copied and pasted signatures on the warranty contracts as the font is pixelated and lighter where the pasted signature overlaps document text. \n* A Non-Resident Title Letter on Wells Fargo XXXX with a false date of XX/XX/XXXX, nearly XXXX  years ago, in my title paperwork filed with the Clerk of Courts with my vehicle information on it which is misrepresentation and fraud. \n* On XX/XX/XXXX, a Wells Fargo employee form the XXXX XXXX, XXXX, called my wife and I on a recorded line and : * Admitted knowing about the dealership 's buyback offer, suggesting she was coordinating with the dealership, * Became verbally abusive toward my wife when we declined the offer, * Falsely claimed a lender can not cancel a loan/unwind a loan, only a dealership can unwind a loan ( which is untrue ), and * Promised we would receive Wells Fargos XXXX XXXX XX/XX/XXXX. As of XX/XX/XXXX, we have received nothingnot even a request for more time. \n\nI first notified Wells Fargo of the fraud on XX/XX/XXXX, after receiving a loan summary from Wells Fargo showing a significantly inflated loan amount. I submitted all available evidence as I received it from investigators to Wells Fargo, since the dealership never provided my paperwork despite repeated requests. Despite clear documentation of fraud, forgery, and misrepresentation, Wells Fargo has failed to resolve the issue for over XXXX months. I am stuck paying for a vehicle that I legally do not own due to the fraud and defective title transfer, as well as am paying for car insurance for it, and I can not register XXXX XXXX the vehicle. I had to buy another vehicle XXXX XXXX due to the current situation. Therefore, I am requesting the CFPBs assistance to ensure this fraudulent transaction is addressed promptly and resolved fairly, in accordance with consumer protection laws. \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2025-05-09T06:56:17.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"161XX","tags":null,"has_narrative":true,"complaint_id":"13433891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-05-09T05:59:54.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["XXXX to remove a <em>hidden</em> {$1500.00} XXXX <em>charge</em> and redo the contract, and * <em>Wells</em> Fargo never XXXX XXXX on their XX/XX/XXXX request for the dealership to correct the contract and remove the <em>hidden</em> and inflated <em>charge</em> for XXXX theft protection system, allowing the <em>loan</em> to go through at triple the cost that <em>Wells</em> Fargo will XXXX for XXXX which is {$500.00} according to the messaging thread."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[18.326792,"13433891"]},{"_index":"complaint-public-v1","_id":"2783889","_score":17.733889,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.","date_sent_to_company":"2018-01-17T05:20:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"2783889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-17T05:20:22.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They claimed to <em>have</em> noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive <em>finance</em> <em>charges</em>, late fees, and other <em>hidden</em> expenses unjustly. I <em>have</em> addressed all of this to the company as I continue to file disputes against them with the reporting agencies as <em>well</em>. I seem to <em>have</em> no other recourse. I ask that you help me resolve this ongoing issue with these companies."]},"sort":[17.733889,"2783889"]},{"_index":"complaint-public-v1","_id":"14874308","_score":17.497147,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing a complaint for fraudulent and predatory auto lending involving Ally Financial and XXXX XXXX ( XXXX, FL ). \n\nOn XX/XX/XXXX, I was sold a XXXX XXXX XXXX XXXX. The dealership falsely claimed I paid a {$5000.00} down payment but this amount was never collected. Despite that, Ally financed the full {$38000.00}, indicating that the down payment was never applied. The vehicle was advertised online for {$34000.00}, but due to padded fees and hidden add-ons, the total amount financed increased substantially. \n\nMy income was falsely reported as $ XXXX on the credit application. I did not provide or authorize this figure. It appears to have been submitted by salesperson XXXX XXXX without my knowledge to force loan approval. Based on that inflated income, I was approved for a XXXX loan at 16.04 % APR with monthly payments of {$840.00}, resulting in a total repayment of {$61000.00} which is financially devastating and constitutes predatory lending. \n\nAdditionally, fees such as a $ XXXX XXXX XXXX XXXX and {$910.00} XXXX charge were added without clear disclosure or my consent. \n\nI believe I was manipulated and misled into a high-cost, unaffordable loan using falsified documentation. I am requesting a full investigation into XXXX XXXX practices and Allys loan approval process, as well as appropriate corrective and enforcement actions. \nMy signed purchase agreement clearly states a {$5000.00} down payment, 17.63 % APR, and a XXXX term with monthly payments of {$790.00}. However, Ally processed my loan with a monthly payment of {$840.00} {$53.00} higher than agreed resulting in {$3800.00} in overcharges over the life of the loan. My {$5000.00} down payment was never properly credited, and my income was falsified without my knowledge to approve this unaffordable loan. I was misled, financially exploited, and trapped in a predatory agreement that left me nearly {$20000.00} upside down on a used vehicle. I am requesting full accountability and a {$20000.00} refund for the damages caused. \n\n\nDealer Info : Business Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Salesperson XXXX XXXX XXXX Lender Info : Company : Ally Financial Loan Start Date : XX/XX/XXXX Loan Term : XXXX  months","date_sent_to_company":"2025-07-25T22:51:26.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"32092","tags":null,"has_narrative":true,"complaint_id":"14874308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-07-25T22:34:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional add-on products or services purchased with the loan"},"highlight":{"complaint_what_happened":["Despite that, Ally <em>financed</em> the full {$38000.00}, indicating that the down payment was never applied. The vehicle was advertised online for {$34000.00}, but due to padded fees and <em>hidden</em> add-ons, the total amount <em>financed</em> increased substantially. \n\nMy income was falsely reported as $ XXXX on the credit application. I did not provide or authorize this figure. It appears to <em>have</em> been submitted by salesperson XXXX XXXX without my knowledge to force <em>loan</em> approval."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional add-on products or services purchased with the <em>loan</em>"]},"sort":[17.497147,"14874308"]},{"_index":"complaint-public-v1","_id":"6721373","_score":17.46501,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom It May Concern : Summary I am writing this letter to request that my credit profile be corrected. While your system may reflect late payments, I have identified several inaccuracies throughout the history of this loan which would nullify those negative marks. Attached you will find documentation showing the difference between the purchase price of my vehicle, the initial amount reported to the credit agencies, and the initial balance recorded in the system of Credit Acceptance Corporation. While these may appear to be minor discrepancies or potential mistakes, recent litigation in several states have identified a pattern of predatory lending, the inflation of balances, hidden charges, the forceful adding of additional products to the loan, as well as several other procedures which violate the TRUTH IN LENDING ACT, as well as the FAIR CREDIT REPORTING ACT. \n\nDescription of Situation I initially financed my vehicle through CAC ( Credit Acceptance Corporation ) in the fall of XXXX with an initial purchase price of {$15000.00}. I paid a down payment of {$3000.00}. This should have made the financed price {$12000.00}. However the balance reported initially to the credit agencies was {$16000.00} ( which I was told was due to taxes and fees and a warranty due to the high mileage of the vehicle ), while the initial balance in CACs system was recorded as {$26000.00}. For a vehicle to be financed at {$12000.00}, and ultimately cost over {$26000.00}, after being paid off over 6 months early, violates the usury law in the state of Tennessee. My research has shown that CAC has already been held liable in the state of Massachusetts and is engaged in current litigation with the state of New York, as well as the Consumer Financial Protection Bureau for charges identical to those I have outlined throughout my own personal experience. In the fall of XXXX, I looked to finance a vehicle to not only have reliable transportation, but also to build credit as I looked to purchase a home in the future. I was unaware of the situation that I was placing myself in. CAC has reported over 30 payments as late, ( most of which say 120 days ) even during the period of time that should have been covered under the CARES act during XXXX, and essentially have destroyed my credit profile even though I ultimately paid off the vehicle, and also did so over 6 months early. Even after I paid off the remaining balance on XX/XX/XXXX, to end this dreadful situation, I still was reported late as of XX/XX/XXXX. I have exhausted the dispute process with CAC and have been unsuccessful due to the inaccurate recording of balances, payments, and other information within CACs system. However, this particular creditor has demonstrated the ability to, and the practice of manipulating their own systems, violating consumer rights, and other unfair and illegal practices in an effort to improve and sustain a certain financial bottom line. \n\nResolution I request the deletion of ALL negative remarks on my CAC account with all 3 credit agencies due to their inaccuracy. Unfortunately, this situation has placed me in a position where I can not move forward without reconciliation. While I am frustrated and distraught with the position that this matter has placed me in, and I am well aware of the fact that I was taken advantage of, I have faith in your agency. I have faith that you will assist me and do what is just. I look forward to your response. \n\nThank You In Advance,","date_sent_to_company":"2023-03-20T17:34:16.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"6721373","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-03-20T17:14:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["While these may appear to be minor discrepancies or potential mistakes, recent litigation in several states <em>have</em> identified a pattern of predatory lending, the inflation of balances, <em>hidden</em> <em>charges</em>, the forceful adding of additional products to the <em>loan</em>, as <em>well</em> as several other procedures which violate the TRUTH IN LENDING ACT, as <em>well</em> as the FAIR CREDIT REPORTING ACT."],"product":["Vehicle <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[17.46501,"6721373"]},{"_index":"complaint-public-v1","_id":"2883409","_score":17.262987,"_source":{"product":"Mortgage","complaint_what_happened":"The property was financed with XXXX XXXX  with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX  and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX  has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.","date_sent_to_company":"2018-04-23T14:50:22.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"27292","tags":null,"has_narrative":true,"complaint_id":"2883409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2018-04-23T13:49:08.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> tried for more than a year to get a copy of the original contract from Carrington as <em>well</em> as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as <em>well</em> due to life insurance being on the <em>loan</em>, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire."]},"sort":[17.262987,"2883409"]},{"_index":"complaint-public-v1","_id":"2784361","_score":16.879025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.","date_sent_to_company":"2018-01-17T05:20:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"2784361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2018-01-17T02:26:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They claimed to <em>have</em> noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive <em>finance</em> <em>charges</em>, late fees, and other <em>hidden</em> expenses unjustly. I <em>have</em> addressed all of this to the company as I continue to file disputes against them with the reporting agencies as <em>well</em>. I seem to <em>have</em> no other recourse. I ask that you help me resolve this ongoing issue with these companies."]},"sort":[16.879025,"2784361"]},{"_index":"complaint-public-v1","_id":"2783884","_score":16.86843,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXof XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXXin the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} onXX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.","date_sent_to_company":"2018-01-17T05:20:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"2783884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-01-17T05:20:22.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They claimed to <em>have</em> noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive <em>finance</em> <em>charges</em>, late fees, and other <em>hidden</em> expenses unjustly. I <em>have</em> addressed all of this to the company as I continue to file disputes against them with the reporting agencies as <em>well</em>. I seem to <em>have</em> no other recourse. I ask that you help me resolve this ongoing issue with these companies."]},"sort":[16.86843,"2783884"]},{"_index":"complaint-public-v1","_id":"8766547","_score":16.22525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. \nXXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. \n\nI have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX  XXXXe pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.","date_sent_to_company":"2024-04-13T17:51:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"8766547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-13T17:06:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> highlighted all the inaccurate information that has been reporting as <em>well</em> as the incorrect information that the company has provided, which proves that this company XXXX  XXXXe pushes dealers to sell cars with <em>hidden</em> interest costs and surreptitiously include expensive add-on products with vehicle sales."]},"sort":[16.22525,"8766547"]},{"_index":"complaint-public-v1","_id":"8766864","_score":16.21498,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. \nXXXX XXXX XXXX Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. \n\nI have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.","date_sent_to_company":"2024-04-13T17:51:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"8766864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-13T17:51:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> highlighted all the inaccurate information that has been reporting as <em>well</em> as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with <em>hidden</em> interest costs and surreptitiously include expensive add-on products with vehicle sales."]},"sort":[16.21498,"8766864"]},{"_index":"complaint-public-v1","_id":"8766862","_score":16.21498,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. \nXXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.\n\nI have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX  pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of XXXX  by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.","date_sent_to_company":"2024-04-13T17:51:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"8766862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-13T17:51:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> highlighted all the inaccurate information that has been reporting as <em>well</em> as the incorrect information that the company has provided, which proves that this company XXXX XXXX  pushes dealers to sell cars with <em>hidden</em> interest costs and surreptitiously include expensive add-on products with vehicle sales."]},"sort":[16.21498,"8766862"]},{"_index":"complaint-public-v1","_id":"5082622","_score":16.095201,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On or about XX/XX/2021 I made a big purchase ( {$570.00} ) through XXXX and was offered an option to finance it with 0 % interest for 12 months ( {$48.00} monthly ). After this purchase, I made other purchases totalling {$230.00}. I sent payments to pay those additional purchases as they completed processing online in my account and awaited the interest free payment monthly. Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase financed and that they intend to charge and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a loan, it stipulates to those terms. Example would be getting an additional loan for a vehicle after getting one for a mortgage... .the terms of one has nothing to do with the other. I feel that both Chase and XXXX are responsible for putting these facts up front and that this is an attempt to deceive hard working middle class people, with motives of gaining interest that wasn't supposed to be imposed. I spoke to 6 customer service reps last night ( after receiving my new statement ). Not one could explain to me exactly how this formula worked or why I was being charged most of my purchase amount ( {$270.00} ) the 2nd month into the agreement. Luckily I can do basic math and figured it out on my own when my attempts to have explained failed.This would have been a great option for bigger purchases for family 's like mine if in fact it was an agreement that was legitimate. I always pay my balances in full and not carry from month to month. In fact my limit on this card was almost tripled a few months ago. Luckily, I can afford to pay the interest saving balance without making future purchases and avoid paying interest on any of my purchases. The issue is, that isn't what was agreed to. The agreement was for installments, interest free. That is the only reason I made this particular purchase at all. I avoid interest every month on my regular payments as well. Searching specific keywords provides these answers, the agreement is made upon checking out thru XXXX and that is where the information from chase should be provided, not hidden down deep in the World Wide Web. Thank you for your time.","date_sent_to_company":"2022-01-07T17:13:17.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"363XX","tags":null,"has_narrative":true,"complaint_id":"5082622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-07T15:56:45.000Z","state":"AL","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase <em>financed</em> and that they intend to <em>charge</em> and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a <em>loan</em>, it stipulates to those terms."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[16.095201,"5082622"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":58,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":58}]}},"product":{"doc_count":58,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or lease","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":22},{"key":"Lease","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit 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