{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":42,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11816417","_score":25.311647,"_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 <em>also</em> 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":[25.311647,"11816417"]},{"_index":"complaint-public-v1","_id":"6715548","_score":22.047543,"_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":["After reading complaint after complaint regarding Credit Acceptance from its consumers as <em>well</em> as seeing that they <em>have</em> been sued by Mississippi and had to pay for their deceptive practices and <em>also</em> with New York Attorney General and CFPB for misleading consumers into <em>loans</em> they could not afford by practicing churning and deceptive <em>loans</em>. We <em>also</em> believe that we were wronged."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[22.047543,"6715548"]},{"_index":"complaint-public-v1","_id":"15470851","_score":20.890099,"_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":["Requested Resolution : I request that <em>Wells</em> Fargo Auto cancel or adjust the <em>loan</em> balance, given that it was originated under fraudulent misrepresentation and <em>loan</em> steering. \nI <em>also</em> request <em>Wells</em> Fargo cease reporting negative marks or <em>charging</em> fees while this dispute is under review. \n\nSupporting Documentation Provided : XXXX advertisement and deal summary showing the {$14000.00} price and {$5900.00} <em>financing</em>. \n<em>Wells</em> Fargo Auto <em>loan</em> statement dated XX/XX/XXXX."],"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":[20.890099,"15470851"]},{"_index":"complaint-public-v1","_id":"16537031","_score":20.74321,"_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":[20.74321,"16537031"]},{"_index":"complaint-public-v1","_id":"17431581","_score":20.350529,"_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 <em>also</em> 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":[20.350529,"17431581"]},{"_index":"complaint-public-v1","_id":"7256645","_score":19.515411,"_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":[19.515411,"7256645"]},{"_index":"complaint-public-v1","_id":"6993722","_score":19.4868,"_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":[19.4868,"6993722"]},{"_index":"complaint-public-v1","_id":"13433891","_score":18.963228,"_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":[18.963228,"13433891"]},{"_index":"complaint-public-v1","_id":"6721373","_score":18.871698,"_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":[18.871698,"6721373"]},{"_index":"complaint-public-v1","_id":"2783889","_score":18.85633,"_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":[18.85633,"2783889"]},{"_index":"complaint-public-v1","_id":"2784361","_score":17.93446,"_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":[17.93446,"2784361"]},{"_index":"complaint-public-v1","_id":"2783884","_score":17.92273,"_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":[17.92273,"2783884"]},{"_index":"complaint-public-v1","_id":"8766547","_score":17.825146,"_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":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and APR."]},"sort":[17.825146,"8766547"]},{"_index":"complaint-public-v1","_id":"8766864","_score":17.811352,"_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":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and APR."]},"sort":[17.811352,"8766864"]},{"_index":"complaint-public-v1","_id":"8766862","_score":17.811352,"_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":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and APR."]},"sort":[17.811352,"8766862"]},{"_index":"complaint-public-v1","_id":"9238015","_score":17.091143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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. XXXX XXXX XXXX Under the FCRA XXXX 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. I 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 usinXXXX 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. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. Transunion has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-12T04:36:11.000Z","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":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and APR."]},"sort":[17.091143,"9238015"]},{"_index":"complaint-public-v1","_id":"9238001","_score":16.923113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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. XXXX XXXX XXXX Under the FCRA XXXX 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. I 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 ( XXXX ) 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 XXXX. 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 XXXX. 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. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. XXXX has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-12T04:47:56.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and XXXX."]},"sort":[16.923113,"9238001"]},{"_index":"complaint-public-v1","_id":"9238000","_score":16.923113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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. XXXX XXXX XXXX Under the FCRA XXXX 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. I 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 XXXX. 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. \n\nI have written about this company several times and each time more inaccurate information is added to my credit profiles. XXXX has stated that they could not locate my credit profile, however they update more inaccurate information for this account 76 days ago that I have attached. I would like this account removed from my credit profile immediately. This company practices were investigated and deem to be in a class action lawsuit they have agreed to remove all charges as well. Please I would like to obtain monetary compensation at this point for the reporting of the inaccurate information that these companies keep places on my credit profile.","date_sent_to_company":"2024-06-12T04:47:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"9238000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-12T04:47:56.000Z","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":["A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their <em>loans</em> within the first year, and many <em>also</em> lose their cars to repossession and auction or suffer other negative effects from the <em>loans</em>. 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 <em>loan</em> terms, including the true principal, <em>finance</em> <em>charge</em>, and APR."]},"sort":[16.923113,"9238000"]},{"_index":"complaint-public-v1","_id":"7519335","_score":16.56597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attorney General Case # XXXX XXXX Credit Acceptance Corporation Account XXXX XXXX XXXX is of the essence our vehicle was repossessed last Thursday XX/XX/XXXX between the hours of XXXX a.m. XXXX a.m. This is despite me and my husband making official complaints to Credit Acceptance via the CFPB, BBB, Attorney General 's Office etc. It is clear from the payment ledger that the payments are applied to the account incorrectly and the balance has been inflated throughout the payment history without a viable reasoning for doing so. Credit Acceptance advised in a reply through the Attorney General XXXX XXXX XXXX Consumer Affairs that the late fees were forgiven from our account starting when the account first went into XXXX protected status which they noted as being XX/XX/XXXX which is incorrect. The actual date the account retroactively went into XXXX protected status was XXXX XXXX Credit Acceptance advised back in XX/XX/XXXX that they would place our account in XXXX protected status but never did and multiple complaints via phone and a complaint through the XXXX. Credit Acceptance apologized, advising it was an error on their end and corrected the payment history from XX/XX/XXXX to XX/XX/XXXX to reflect a XXXX protected status but reported our account as late on our credit reports and did not forgive the late fees as they stated. This has caused our family pain and aggravation. Please help us before Credit Acceptance obtains an unlawful judgement that our balance and payment history is incorrect. This has been challenged for over 3 years and Credit Acceptance has done nothing but continue to not apply payments correctly and hike up our balance. They are currently demanding {$800.00} to release the vehicle from repossession before XX/XX/XXXX or else they advised it will be permanent and they will obtain a judgement to garnish our wages. They have caused my husband to lose out on his wages from not having adequate transportation. It has been over 3 years.Credit Acceptance violated TILA Regulation Z Truth and lending Act by participating in predatory lending alongside auto sales company XXXX XXXX. Credit Acceptance bribed XXXX XXXX to practice deceptive practices in turn for incentives which is against the law and also against my rights. Each violation is subject to both companies having to pay. Me and my husband purchased a vehicle from XXXX XXXX XXXX XXXX. back on XX/XX/XXXX at the time we did not have an understanding of the cost of credit \" finance charge '' for the loan. We expressed that the XXXX was a good deal because we would only be paying around {$9900.00} which should've prompted the XXXX to explain the charge of borrowing money since the full cost of credit was not displayed on the window of the car. XXXX XXXX only advertised the cash cost which was {$10000.00}. This was completely deceptive ; we did not know what finance charge meant and were deceived into purchasing a vehicle that XXXX XXXX XXXX XXXX and Credit Acceptance knew we could not afford. When asked about our jobs I explained to the salesman that I did not have a regularly paying job for 8 months. I was out of work and XXXX happened to be the month that closed my XXXX and only deal making {$4100.00}. The salesman asked me to still provide proof of that check so I did. He took the check and fabricated a lie saying that I make that amount monthly. He also put me down as the co-signer without my knowledge, yes I know there were signatures but it was late in the day and we were being rushed to fill out paperwork and the salesman never explained that I would be signing as the co-signer. My husband advised that he had a per diem job the salesman asked more than once what a per diem job was my husband explained in detail that it's similar to an on-call position so there are no set hours but he works a least XXXX hours a day but the salesman put my husband down as having a monthly income of {$2500.00}. The salesman also knew that we had a bankruptcy a month ago on XX/XX/XXXX and that our XXXX XXXX - XXXX knowledge of money and financing was poor. All of this should have been reg flags to explain verbally what we are getting ourselves into but that was never done instead the salesman was deceitful placing our APR at the highest rate possible and packing on accessories/improvements and XXXX unnecessary warranties that caused the cost of credit to go up. XXXX XXXX XXXX XXXX received incentives from Credit Acceptance for originating a loan that had a probability of me and my husband not being able to pay it back. Since then Credit Acceptance has acknowledged their wrongdoing in regards to our credit report and agreed not to mark our credit report as late with no end date on the document which means indefinitely. My husband 's credit still has late charges dating back all the way to XXXX and I have late charges for a year straight Right now Credit Acceptance has marked me as late for a from XX/XX/XXXX to XX/XX/XXXX. Here is a previous complaint with all the numbers. 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 XXXX payments. After reading complaint after complaint regarding Credit Acceptance from its customers 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 XXXX 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 WYNNs Gap {$1100.00} for 51 months are XXXX 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 alone and we still dont fully understand it but we know we have been misled. But it seems like my XXXX has barely gone down even though we have paid {$11000.00}, almost 3 times the actual value of the car. I reached out to the New York XXXX XXXX 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":"2023-09-08T22:00:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"7519335","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-09-08T21:54:57.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["We put down {$1000.00} and we still <em>have</em> to pay {$390.00} for XXXX payments. After reading complaint after complaint regarding Credit Acceptance from its customers as <em>well</em> as seeing that they <em>have</em> been sued by Mississippi and had to pay for their deceptive practices and <em>also</em> with New York Attorney General and CFPB for misleading consumers into <em>loans</em> they could not afford by practicing churning and deceptive <em>loans</em>. We <em>also</em> believe that we were wronged."]},"sort":[16.56597,"7519335"]},{"_index":"complaint-public-v1","_id":"2822238","_score":16.547058,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"XXXXatory Lending Practices and Unexpected Hidden Interest Rates. I originated a loan with XXXX XXXX in XX/XX/XXXX in the amount of {$800.00}. After recently calling to get a pay off balance, in complete shock, I find out as of today XX/XX/XXXX, that I still owe {$1700.00}. I have paid well above the PRINCIPLE amount owed, in upwards to date of at least {$2000.00} on this loan and although I have made bi-weekly payments every payday since the loan was originated in XX/XX/XXXX, I  still owe over THREE times the amount of what the origination of the loan was. I realized that I had not been informed in the initiation of the loan on the phone by the rep of the 460 % interest rate on the loan. An interest charge of {$2200.00} nor a TOTAL payment amount of {$3000.00} for an {$800.00} loan. I was however, originally informed that there was a reasonable finance charge to equal biweekly payments of {$140.00}, without mention of {$3000.00} in total payments. I also realized that I was unable to view the \" Truth in Lending '' disclosure until after the loan had been processed and funds were delivered to my account. This is not only PREDATORY lending but unethical business practices. I reside in the state of Georgia where the law prohibites these practices and although this is a company that hides behind Tribal lending guidelines there are still some legal ramifications regarding there practices. Please refer to the following : In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX & XXXX. r. XXXX XXXX ( XXXX ) and XXXX XXXX. Section XXXX et seq. ). Payday loans go under a title of small loans, generally ; the minimal amount is {$3000.00}, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. Any payday lender can be punished for an unlawful transaction by the Attorney General of Georgia or any district attorney. It is written in the Section 16-17-4 ( a ) and the penalty can be three times the amount of any interest charged in this transaction. A civilly liable payday lender will have to give half of the sum to the attorney and half of it to the state. Besides, any payday loans issued illegally will be charged a 50 % rate plus the penalties. Moreover, according to the Section 16-17-7 of the Georgia Code, XXXX XXXX XXXX caught at payday lending operation in Georgia will be immediately punished for it and its license suspended. Moreover, Section 16-17-2 of the Georgia Code presupposes that any district attorney or the Attorney General has got a right to hold any person who issues a payday loan in the state criminally liable. Not only a person is charged with aggravated misdemeanor but also he is likely to be jailed for a period of about a year. Plus, a fine of up to {$5000.00} per violation is charged. One payday operation equals one offence according to the state law of Georgia. A five-year imprisonment and a fine of {$10000.00} are awaiting a person who has previously been prosecuted for payday lending operations thrice. More information about Payday Loans in Georgia : https : //www.oci.ga.gov/XXXX","date_sent_to_company":"2018-02-23T06:00:05.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"2822238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BlueChip Financial","date_received":"2018-02-23T00:46:10.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["An interest <em>charge</em> of {$2200.00} nor a TOTAL payment amount of {$3000.00} for an {$800.00} <em>loan</em>. I was however, originally informed that there was a reasonable <em>finance</em> <em>charge</em> to equal biweekly payments of {$140.00}, without mention of {$3000.00} in total payments. I <em>also</em> realized that I was unable to view the \" Truth in Lending '' disclosure until after the <em>loan</em> had been processed and funds were delivered to my account. This is not only PREDATORY lending but unethical business practices."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"sub_product":["Payday <em>loan</em>"]},"sort":[16.547058,"2822238"]},{"_index":"complaint-public-v1","_id":"5636837","_score":16.51329,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I reached out to Wells Fargo advising them that fees were owed to me for an illegal repossession that took place in 2018. \n\nIn 2018 Wells Fargo hired a Third Party Repossession company by the name of XXXX XXXX XXXX that damaged the back of my car with scrapes and scratches as if it were dragged. They also left what appeared to be a handprint both over the visor and the sunroof. When I advised them of their negligence they wouldn't take responsibility. When reaching out to Wells Fargo about it they said they are no longer contracted with this THIRD PARTY COMPANY which doesn't take away the fact they hired them and done business with them. Upon paying the XXXX XXXX XXXX XXXX XXXX dollars and the repossession fee of XXXX XXXX XXXX XXXX dollars amongst other hidden fees. My car was not in the same condition it was once recovered from the illegal repossession. \n\nThe third-party tow company came like a thief in the night. Waking up to my car being taken from an illegal repossession caused further anguish, hurt, XXXX and pain. As I shared with Wells Fargo my father had passed is the reason why the loan fell behind. No one showed an ounce of compassion. \n\nThird-party repossession companies hired by creditors to do an actual seizing of the property can be deemed, debt collectors. Debt collectors are governed federally by a federal statute entitled the Fair Debt collections are governed federally by a federal statute entitled the Fair Debt Collections Practices Act 15 USC 1692 et seq ( FDCPA ) states what debt collectors pursuant to 15 USC 1692 a ( 6 ). Repossession companies become subject to liability under FDCPA if they attempt to repossess collateral without having the present right to repossess the collateral. \n\nSection 1692 f ( 6 ) does not permit debt collectors to be \" Taking or threatening '' to take any non-judicial to effect dispossession or disablement of property if there is no present claim as collateral through an enforceable security interest 15 USC 1692 f ( 6 ) ( A ). \n\nWhen the care was illegally repossessed in XXXX of 2018 it was a \" BREACH OF PEACE ''. Missouri law 400-9-609. The third-party tow company XXXX XXXX XXXXXXXX that Wells Fargo hired entered private property without the property owner knowing a lien was placed on the car.\n\nThere were multiple laws broken at the time of the illegal repossession. I am demanding reimbursement of the finance charges on the vehicle that was under contract plus 10 % purchase rights, as well as repossession /late fees. Also for the violation of the FDCPA and \" BREACH OF PEACE '' along with the mental anguish I suffered from the illegal repossession at the same time as my father 's passing.\n\nI shared this information with Wells Fargo and the communication that was sent back to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the most recent XX/XX/XXXX. Wells Fargo is not taken accountability for their actions. \n\nMy attorney is trying to keep this from going to court as well as reaching out to the CEO/CFO for the wrongdoing during the course of this loan. Wells Fargo needs to take accountability and do the right thing. \n\nRecently the rest of this loan was paid in full and upon reaching out to XXXX XXXX speaking to a representative by the name of XXXX and I have the date, she stated that no claim had been filled for my car. However, I am now in possession of 2 checks from Wells Fargo has now been sent to me with one mentioning XXXX XXXX claim information. \n\nSome very faulty things have gone wrong during the course of this loan. My attorney simply wants Wells Fargo to contact me with a settlement amount versus having to move forward with an ILLEGAL REPOSSESSION THAT TOOK PLACE.","date_sent_to_company":"2022-06-06T13:39:52.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"5636837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-06-06T12:51:04.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["The third-party tow company XXXX XXXX XXXXXXXX that <em>Wells</em> Fargo hired entered private property without the property owner knowing a lien was placed on the car.\n\nThere were multiple laws broken at the time of the illegal repossession. I am demanding reimbursement of the <em>finance</em> <em>charges</em> on the vehicle that was under contract plus 10 % purchase rights, as <em>well</em> as repossession /late fees."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Struggling to pay your <em>loan</em>"],"company":["<em>WELLS</em> FARGO & COMPANY"],"sub_product":["<em>Loan</em>"]},"sort":[16.51329,"5636837"]},{"_index":"complaint-public-v1","_id":"10409967","_score":16.47912,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Santander Consumer USA Violations Santander failed to uphold the terms of the contract they purchased from the dealership therefore, causing harm to the borrower, by committing the following numerous Consumer Protectioin and Finance violations including : the Truth in Lending Act, Regulation Z, Consumer Finance Protection Act, Fair Credit Reporting, Risk-Based Pricing Rule, Unfair, Deceptive and/or Abusive Acts or Practices ( UDAAP ), New jersey Consumer Fraud Act , and Auto Lender Liability Laws, and their obligation to fulfill their Fiduciary Responsibility. Santander Consumer USA engaged in deceptive and abusive practices in connection with an offer or extension of credit in violation of the CFPA ( 12 U.S.C. 5531, 5536 ). Santander Consumer USA is well aware of the deceptive acts and practices committed by XXXX XXXX XXXX, XXXX, as evident in the numerous New Jersey lawsuits filed against the dealership and Santander being named as a party to a few of these lawsuits. However, Santander as a result of their long-term relationship with the dealership, failed to adequately correct or monitor the behavior, engaged in unfair and deceptive practices with the dealership by purchasing loans from the dealership, and knowingly and recklessly substantially assisted the conduct of the dealership. Santander failed to conduct meaningful oversight of conduct by auto dealers turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior, as well as the Fair Credit Reporting Act 's unlawful furnishing activities, and therefore violated the CFPA ( 12 U.S.C. 5536 ( a ) ( 3 ) ) .Santander Consumer USA engaged in fraudulent and deceptive practices, making false and misleading representations, and concealing material information in disclosures, during and after their investigation into the consumers CFPB and XXXX complaints against the dealership, and therefore violated the New Jersey 's Consumer Fraud Act ( CFA ) requiring dealers to provide customers with disclosures, and advertising and selling used motor vehicles without required disclosures or including all charges.\n\n1. Fair Credit Reporting Act Violation This legislation provides consumers the right to obtain a free credit report from each one of the three nationwide agencies that create credit reports for consumers. The act enables consumers to dispute any information in their credit reports if they believe its incomplete or inaccurate.\n\n2. Risk-Based Pricing Rule Violation Whenever consumers apply for an auto loan, this rule ensures that applicants receive information about their credit scores, often through a Credit Score Disclosure Notice. These notices not only list applicants credit scores but also put them in context and how they compare to other consumers.\n\n3. Truth in Lending Act ( TILA ) : Failing to disclose changes in important loan terms regarding amount financed, finance charges, and total loan amount clearly and accurately can lead to a lawsuit under the Truth in Lending Act. \nFailure to ensure that auto loan was free of errors, clerical mistakes, and other inaccuracies.\n\n4. Regulation Z Failure to respond to requests for documentation of charges on transactions summary Failure to correct and provide fair and timely responses to billing disputes.\n\nManipulating dates of consumer requests and company responses to requests so that it appeared they were responded to in a fair and timely matter.\n\n5. Unfair, Deceptive and/or Abusive Acts or Practices ( UDAAP ) : Failing to post payments timely or properly or to credit a consumers account with payments that the consumer submitted on time and then charging late fees to that consumer. \nFalsely representing the character, amount, or legal status of the loan on transactions summary. \n\n6. Fraudulent information on the contract : Santander failed to adequately verify the following information before and after purchasing the contract the dealership including : o Vehicle purchase price o Sales Tax o Hidden add-on options of {$13000.00} that not listed on the Itemization of Amount Financed or name of the company to whom was being paid, that consumer did not approve nor was aware of until the receipt of Santanders correspondence, XX/XX/XXXX, and are not included on original RISC Itemization of Amount Financed but included on a forged Buyers Order never approved by or with knowledge of consumer - Buyers Order calculations are inconsistent with Amount of Itemization of Amount Financed and include consumer being charged twice for the VSC that is included in the cash price and in the itemization of amount financed; in addition to the additional add-on options not included and itemized on the original RISC, but hidden in the cash price discovered by consumer upon receiving XX/XX/XXXX correspondence from Santander. \no Double charging consumer {$4400.00} for a VSC ( extended warranty ) amount was added to the vehicle cash price and the only add-on listed on the contract. \no Trade-in amount leading to positive equity of {$14000.00} which was failed to be included on contract but clearly stated on the ST-10 o 7. Failure to properly process payments : Failure to accurately record or apply loan payments, leading to incorrect balances or late payment penalties. \n\nSantander failed to : Provide a notice when they use a consumer report to extend credit and the terms are less favorable than what's offered to most consumers, especially if consumer had been pre-approved for credit based on vehicle price, terms, APR, etc. \nDisclose the consumer credit score and related information when credit score was used in their decision to extend credit.\n\nProvide consumer with a credit score disclosure notice to all customers, regardless of the terms they are offered.\n\nUnder the Rule, if a dealer engaged in fraud or made misrepresentations in selling a car on credit, a consumer could raise the dealers conduct as a defense to the lenders demand for payments. Consumer made Santander aware of such actions by the dealership in consumer correspondence dated XX/XX/XXXX. As a purchaser of retail installment contracts, Santander Consumer USA is liable for violations by the dealer under the FTC Holder Rule and state UDAP laws that provide for private rights of action for violating the federal prohibitions on UDAAPs. \nC. Unfair, Deceptive and/or Abusive Acts or Practices constitute UDAAPs. \nFailing to post payments timely or properly or to credit a consumers account with payments that the consumer submitted on time and then charging late fees to that consumer. \n\nNew Jersey Retail Installment Sales Act ( RISA ) The RISA also requires that all retail installment contracts be in writing and signed by both the buyer and the seller. The contract must include all agreements between the buyer and seller related to the installment sale and all terms and conditions.\n\nThe RISA applies to service contracts even if they don't include a financing arrangement. \nAuto Lender Liability Lender liability laws in New Jersey are governed by the New Jersey Consumer Finance Licensing Act and the New Jersey Retail Installment Sales Act. These laws require lenders to treat borrowers fairly and can result in legal action if a lender doesn't act in the borrower 's best interest.\n\nLender liability claims Santander Consumer USA therefore neglected their duty of good faith or fair dealing to its customer / borrower or has assumed such a degree of control over the borrower that it assumes a fiduciary duty. \nFIDUCIARY RELATIONSHIPS Under lender liability law, lenders have a duty to treat their borrowers fairly. Lender liability laws say that a fiduciary duty exists for the lender when borrowers have faith in the lender to uphold their end of the deal when borrowers are in a position of inequality or dependence on the lender, and when the lender controls the borrowers affairs. \nSantander Consumer USA as a commercial lender failed their fiduciary duty to the borrower. \nSantander Consumer USA lender was not acting in the consumers best interest regarding the loan by : Misleading borrower Santander is liable for : misrepresent and withholding material facts from the consumer during the course of Santanders investigation into consumers CFPB and XXXX  complaint Failing to provide information about the loan Santander is liable for : failing to provide the consumer with copies and information about the loan, despite numerous requests, Delaying refunds by applying them to principal payments, Miscalculating payments and late fees, and Failing to provide consumer with all completed copies of signed sales documents relating to the vehicle purchase, despite consumers multiple requests. \nFailed to provide documented evidence of vehicle increased price of {$26000.00} to lender during investigation of CFPB consumer complaint. Lender had knowledge of the vehicle price of {$25000.00} as stated in consumer correspondence sent to lender on XX/XX/XXXX, the day after purchasing the vehicle. \nAccepting 2nd contract from dealership and presenting such contract as evidence of being the original in lender response to consumer CFPB complaint dated XX/XX/XXXX, despite having been provided with the original contract from the consumer on XX/XX/XXXX, without consumer approval or knowledge. \nBreach of Contract. - Fraud Changed the type of RISC ( from ARB to no ARB ) contract without proper communication or consumer approval or knowledge. \nFailure to update the account to reflect the accurate balance due to double billing of monthly payment, inaccurate calculations of fees, requests for all copies of loan documents associated with the vehicle purchase, & description of what the amounts represent. \n\nAuto finance companies may not engage in practices deemed abusive or unfair. \nUnlawful conduct in collecting a consumers debt considered unfair, deceptive or abusive practices ( a.k.a. UDAAPs ) under the Dodd-Frank Act. Santander Consumer USA violations : 1. Failure to process payments and refunds accurately and timely including, regular payments, posting a payment to a borrowers account, assessing fees such as late fees or nonsufficient funds/returned charges.\n\n2. Assessing late or return payment fee, when servicer received the full amount due on or prior to due date.\n\n3. Assessing and collecting late or delinquency fee on a payment where such fee is only attributable to late or delinquency fees assessed on earlier installments when the payment was otherwise the amount due for the applicable period and was paid on its due date or within the applicable grace period.\n\n4. Failure to identify, notify, and provide transparency regarding lender financing errors on consumer account Transaction Summary page.\n\n5. Failing to describe and provide consumer with explanation as to how and/or why errors occurred.\n\n6. Failure to inform consumer when lenders errors have been corrected.\n\n7. Failure to identify and provide descriptions associated with each transaction on consumer account Transaction Summary. ( Refunds for service contracts etc. ) 8. Failure to notify consumer upon receipt of such refunds or credits.\n\n9. Failure to have a complete and detailed Transaction Summary document available in consumer account for consumer access.","date_sent_to_company":"2024-10-10T22:02:20.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"20746","tags":"Servicemember","has_narrative":true,"complaint_id":"10409967","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2024-10-10T20:36:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Truth in Lending Act ( TILA ) : Failing to disclose changes in important <em>loan</em> terms regarding amount <em>financed</em>, <em>finance</em> <em>charges</em>, and total <em>loan</em> amount clearly and accurately can lead to a lawsuit under the Truth in Lending Act. \nFailure to ensure that auto <em>loan</em> was free of errors, clerical mistakes, and other inaccuracies.\n\n4."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.47912,"10409967"]},{"_index":"complaint-public-v1","_id":"5084377","_score":16.14835,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have noticed \" FALSE ADVERTISING '' on the monthly payment after item was purchased the hidden payments were being weekly not as advertised in store as monthly from my understanding they are a third party and only noticed after the contract was sent over to me. I have also noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement.The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$7800.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) .These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C. 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.15 U.S. Code 1666b.Timing of payments ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I have not receive any such notice by mail and i have requested for mail deliverance on statements other words go paper instead of paperless. so i can get a clear understanding of both my bills with them and seek alternative payment options such as \" Remittance coupon '' has the word coupon : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan.Security defined in 26 C.F.R 301.1.7701-11 means purchase, any of the foregoing ; negotiable instruments ; or money. pursuant to 12 CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. cease and desist on try to collect until we come to an agreement and overstanding remove all late payments on my credit report your weekly collections doesn't match the last payment was made nor was i notified correctly until this matter is resolved I only wish to be contact in writing only on this matter.","date_sent_to_company":"2022-01-07T19:58:12.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"85353","tags":null,"has_narrative":true,"complaint_id":"5084377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2022-01-07T18:29:08.000Z","state":"AZ","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>also</em> noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement.The first one being the number of payments as <em>well</em> as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money <em>loan</em> in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a <em>finance</em> <em>charge</em> within the meaning of the truth in lending act and"],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[16.14835,"5084377"]},{"_index":"complaint-public-v1","_id":"10774418","_score":15.914626,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint Against BMW Financial Services Fraudulent Charges, Mishandling of Payments, and Credit Reporting Abuse 1. Loan Background and Unapproved Charges In XX/XX/XXXX, I took a loan from BMW Financial Services to purchase a Certified Pre-Owned XXXX BMW XXXX XXXX with XXXX miles. I paid {$12000.00} down and financed {$25000.00}, believing this covered the car and necessary financing terms. However, I later discovered that BMW Financial had added unauthorized warranties without my knowledge. \nUpon realizing this, I canceled what I could in XX/XX/XXXXXXXX  and received a partial refund of {$3800.00}, plus another {$940.00} from a separate warranty cancellation. I requested these credits be applied toward my loan balance. \n\n2. Inconsistent Payment Applications and Hidden Interest Charges BMW Financial deducted my monthly payment of {$390.00} but inconsistently applied these payments toward interest and principal. When I contacted them, they claimed my payments were processed but did not fully apply them to the principal balance. \nAfter months of automated deductions, BMW Financial charged me over {$700.00} in a sudden interest payment, claiming I hadnt paid sufficient interest in the prior months. This interest charge was applied retroactively without clear explanation. \nThey falsely reported my account as overdue, and their practices led to a drastic drop in my credit scorefrom over XXXX to just above XXXXcausing significant financial damage as multiple credit lines reduced or closed my accounts. \n\n3. Erroneous Credit Reporting and Impact on My Financial Standing Despite making regular payments, BMW Financial has inaccurately reported my account as 30 days late since early XXXX. These repeated, false reports have caused substantial damage to my creditworthiness. \nI have contacted BMW Financial repeatedly, requesting accurate statements and dispute resolution, yet they have failed to correct the information. Their actions have resulted in multiple closures of credit lines and a major impact on my financial stability. \n\n4. Lack of Communication, Inconsistent Statements, and Website Issues BMW Financial has changed my email to an outdated account without my consent, leading to a lack of reliable communication and missing statements. Additionally, they have altered my account details, including removing my middle initial from my namea detail I had specified for fraud protection. \nFor over two years, I have been unable to access my account online due to a non-functional website, despite contacting BMW Financial repeatedly for support. Their representatives have been dismissive and unresponsive to my issues, even denying awareness of my submitted documentation and evidence. \n\n5. Ongoing Financial Manipulation and Fraudulent Charges BMW Financial continues to claim I owe {$2700.00}, despite my payments totaling far beyond the agreed principal and interest. They appear to be charging excessive interest and daily fees that were neither disclosed nor agreed upon. Their documentation also shows discrepancies, with an inflated total loan amount of {$47000.00}, nearly double the initial cost of the vehicle. \nI suspect manipulation of my account and records, as BMW Financial has failed to provide accurate amortization schedules, consistently showing incorrect amounts that vary by a few cents each month, leading me to believe these records have been altered. \n\n6. Transfer of Payoff Information to an External Bank Without Justification BMW Financial has instructed me to make my final payoff to a third-party bank ( XXXXXXXX XXXX XXXX XXXXXXXX ) rather than their own institution. This transfer raises serious concerns, as I did not authorize this arrangement, and it was not disclosed when I signed the loan agreement with BMW Financial. \n\n7. Additional Evidence of Fraud and Security Concerns I was notified of potential website security breaches by another automotive loan provider ( XXXX ), not BMW Financial, despite the actual compromise of my sensitive financial data. Furthermore, the finance department at the dealership where I purchased the vehicle was terminated due to fraud, raising questions about BMW Financials role and accountability. \n\nRequest for CFPB Action and Investigation I request a thorough investigation into BMW Financials interest calculation methods, hidden fees, and their unethical practices of handling payments and reporting to credit bureaus. \nAdditionally, I request that BMW Financial correct all false reports on my credit, reimburse the excessive fees and interest payments, and clarify the discrepancies in the loan principal and payoff processes. \nBMW Financials lack of transparency, failure to provide accurate statements, and hostile credit reporting practices have caused severe financial harm and emotional distress. I request an immediate intervention from the CFPB to hold BMW Financial accountable and prevent further victimization of consumers. \nAs well as make their web site compliant and secure, going over every string of code, especially when the button for the amortization schedule, when clicked returns a XXXX : null, and if I even get that far as into the broken account center, its usually just a white web page, with their header on it ; and a broken spinning wheel in the center that says sorry unable to process. See attached screen shots. \n\nThere is not a single doubt in my mind, that BMW Financial knows they were hacked. Their car software is also curropt ; letting bad actors access the cars internal sim, and get into the car, by blue tooth as well. I have gone to sleep and woken up the next morning with all trunks, windows, sunroof open and down. And I cant do that even if I hit the key by accident. They have done nothing but inflate the value of their cars, and in stead of investing the money into the online presence and security, compliance and data regulations, or the cars systems themselves, they pay employees generously to falsely report to collection agencies ; and damage good customers, for life : XXXX credit score to XXXX, I checked today. All because they are reporting missed payments when there are none. They need to be held accountable. The XXXX XXXX XXXX BMW FINANCIAL WAS JUST investigated and audited and the funds were arrested, and held, by a criminal investigation, the XXXX sees the truth. Its time America hold these crooks accountable. All the big corporations and financial companies, whom us citizens, hard working and struggling, put our money and our trust into them, and all for them to rob us, and damage us for the rest of our life. Please, DO NOT OVER LOOK THIS. They are COMMITTING MANY VIOLATIONS. Look at the total math ; each XXXX ; because if its XXXX cents they over charged one person, imagine how much XXXX customers at XXXX cents adds upto on stolen money. \n\nNow looking back at the documents, the amortization schedule sent to me from the employee at bmw, it said that, total payments would be XXXX, XXXX, and when you look at the loan agreement it shows total payments are XXXX, XXXX  not including the XXXX they only put down for the down payment, which I handed them XXXX cash and I took an image of the cash all laid out in XXXX dollar stacks, on the finance department mans desk. As proof, but its in my old phone. Thats almost XXXX missing. Where is the other XXXX XXXX coming from that made the total payments go from XXXX, XXXX  to XXXX, XXXX  as on the loan ageeement. Why are they taking interest out every month, and then adding interest onto the monthly amount of the principal as seen in the actual mathematical calculations on the principal balance written on each statement. Hence where they are adding in an additional interest amount. How can they take XXXX every month and then take XXXX in interest saying it wasnt paid over 8months. Where is the credit for all the {$500.00} payments made, and why do the statements have random negatives ; when they were paid. They have a total of XXXX missing payments I paid them, they didnt credit me for. XX/XX/XXXX, bmwfs as an over the phone payment and as well as a check from writing and sending one in. Now, my sons father wrote me a check which bounced, to me ; but that was with XXXX XXXX, not with bmw. I paid them directly. They as well have been reporting 30 days late every single month, and I have paid them ; XXXX XXXX statements show it. I have every single bank printed rolling balance, directly from the XXXX XXXX employees screen with routing and transit numbers, I have my monthly bank statements that are mailed and I have the statements from bmw mailed. The amortization schedule I can not get still because the website it broken. I dont want to over load you with documents but I will send a beautiful and neat copy of every document and log and email, and statement, since the day I started with the loan, and send it to both bmw fs and CFPB.","date_sent_to_company":"2024-11-12T05:15:34.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"07054","tags":null,"has_narrative":true,"complaint_id":"10774418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2024-11-12T03:00:58.000Z","state":"NJ","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Complaint Against BMW Financial Services Fraudulent <em>Charges</em>, Mishandling of Payments, and Credit Reporting Abuse 1. <em>Loan</em> Background and Unapproved <em>Charges</em> In XX/XX/XXXX, I took a <em>loan</em> from BMW Financial Services to purchase a Certified Pre-Owned XXXX BMW XXXX XXXX with XXXX miles. I paid {$12000.00} down and <em>financed</em> {$25000.00}, believing this covered the car and necessary <em>financing</em> terms. However, I later discovered that BMW Financial had added unauthorized warranties without my knowledge."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[15.914626,"10774418"]},{"_index":"complaint-public-v1","_id":"13063421","_score":15.725662,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Giggle Finance is misrepresenting a fixed-repayment, high-pressure loan product as revenue-based financing in order to evade lending regulations and mislead vulnerable independent contractors, freelancers, and small business owners. \n\nTheir marketing promises flexible repayment based on your incomebut what follows is a coercive, non-consensual collection model that includes unauthorized withdrawals, threats of credit reporting over 1-day delays, and an enforcement structure identical to companies already shut down by federal regulators for operating illegal MCAs. \n\nKey Issues 1. False Product Classification ( FTC Act 5 Deceptive Practices/ UDAAP Violations ) : Giggles public website claims : We purchase a portion of your future income at a discount. \nNo loans, no interest, and no hidden fees. \nIf your revenue slows, no problemjust let us know and well adjust your payment day. \n\nIn reality, their internal messaging and actions directly contradict this. Below are verbatim messages from their official SMS payment coordination thread : Your payment that was due on XXXX was never made after multiple attempts daily for your SCHEDULED AUTHORIZED payment. \nWe continue to attempt any missed payment until successfully processed, whether via debit or ACH. \nYou can not revoke your auto-payments with a past-due account. \nSo if missed by even 1 day, the payment is reported to the credit bureaus. \nWe dont allow for delays with these payments. \nYou were 2 weeks behind but we were able to take 1 of your missed payments this morning. \nYour third payment was due this morning this payment can not be delayed. \nDelays are not allowed what time will it be ready today? \n\nThis is not revenue-based financing. This is a fixed, non-adjustable repayment schedule, enforced regardless of actual income and disguised as something more flexible. \n\n2. Unauthorized ACH Debits ( EFTA / Reg E 12 CFR 1005.10 & 1005.11 ) : Giggle initiated a debit from a business checking account that was never explicitly authorized for ACH repayment, after receiving multiple written notices that no revenue had been received.\n\nPrior withdrawals had only occurred via personal debit cards The unauthorized ACH occurred immediately after a new deposit Communication instructing them not to charge had already been sent There is strong circumstantial evidence that XXXX  was used to monitor account activity and time the charge This violates Regulation E, which mandates : Written preauthorization for recurring ACH debits Immediate cessation upon revocation, regardless of account status 3. Coercive and Abusive Collection Practices ( FDCPA / FCRA 623 Violations ) : Giggle employs coercive, high-pressure collection tactics via their official SMS number, including : Threats of credit reporting for a single-day delay, in direct violation of FCRA 's 30-day reporting rule Refusals to acknowledge payment revocation, claiming SMS notice is invaliddespite using that same SMS line for all account coordination Ongoing extraction attempts after being told no revenue was available Emotionally manipulative messaging patterns designed to pressure vulnerable borrowers into payment under duress These tactics are documented in full, with timestamps and preserved screenshots. \n\n4. Use of XXXX  to Circumvent Consent and Time Withdrawals ( Breach of Platform Use + Deceptive Access ) : Giggle requires XXXX  during onboarding, citing underwriting purposes only. However : They initiated a withdrawal immediately after deposit activity Their user dashboard flagged a disconnected status only after XXXX  access was manually revoked This strongly suggests XXXX was used as a surveillance tool to time extractionswithout active consent Regulatory Pattern & Enforcement History : Giggle Finance is operating from the same illegal playbook that regulators have already dismantled : Par Funding Shut down by the SEC for XXXX XXXX XXXX XXXX $ XXXX FTC settlement for unauthorized debits and misrepresentation XXXX XXXX XXXXXXXX Targeted by state AGs for fixed-payback loans disguised as cash advances Giggle is presenting itself as a revenue-based financing partnerbut is, in practice, running an unlicensed, fixed-repayment loan operation under the false label of an XXXX. \n\nRequested Action : I am formally requesting an investigation into Giggle Finance for : Misrepresentation of loan classification under deceptive marketing Unauthorized ACH withdrawal activity Retaliatory and coercive messaging, including credit threats Use of XXXX  ( or equivalent ) to time collections post-onboarding Operating without valid lending licenses ( state and/or federal ) Evidence Available Upon Request : Full SMS message thread from Giggles official payment coordination number Screenshots of marketing claims on their public website ( * after I escalated this to XXXX, they have since edited their website. I have downloads and screenshots available of the original. It's also available on Archive.org ) Timestamps showing ACH activity post-notification Complaints filed ( or being filed ) with XXXX, XXXX, the Texas Attorney General, and Florida XXXX  Closing Statement : Giggle Finance is preying on financially vulnerable small businesses and independent workers by promising flexibilitythen delivering a fixed-payment loan enforced through threats and illegal withdrawals. This is not a misunderstanding or policy issue. This is a deliberate evasion of lending regulationsone that mirrors the exact behavior of firms already shut down. \n\nTheir own written communications confirm every element of the misconduct.","date_sent_to_company":"2025-04-18T18:35:56.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"13063421","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Giggle Finance Inc.","date_received":"2025-04-18T18:02:20.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["No <em>loans</em>, no interest, and no <em>hidden</em> fees. \nIf your revenue slows, no problemjust let us know and <em>well</em> adjust your payment day. \n\nIn reality, their internal messaging and actions directly contradict this. Below are verbatim messages from their official SMS payment coordination thread : Your payment that was due on XXXX was never made after multiple attempts daily for your SCHEDULED AUTHORIZED payment."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"company":["Giggle <em>Finance</em> Inc."],"sub_product":["Installment <em>loan</em>"]},"sort":[15.725662,"13063421"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":42,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":42}]}},"product":{"doc_count":42,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or lease","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":15},{"key":"Lease","doc_count":1}]}},{"key":"Credit reporting or other personal consumer 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