{"took":811,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":45,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3377392","_score":22.43785,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then  contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. \n\nThe car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. \n\nI have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. \n\nThe police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. \n\nI am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.","date_sent_to_company":"2019-09-17T20:41:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33321","tags":null,"has_narrative":true,"complaint_id":"3377392","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2019-09-17T20:05:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I want this OFF my <em>credit</em> <em>report</em>. I am the victim here and there doesn't seem to be much concern about my life and the <em>problems</em> this has caused."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[22.43785,"3377392"]},{"_index":"complaint-public-v1","_id":"4408537","_score":20.341549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. \nWhen talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a \" NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.","date_sent_to_company":"2021-05-26T21:49:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46229","tags":null,"has_narrative":true,"complaint_id":"4408537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2021-05-26T21:00:11.000Z","state":"IN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Upon opening the app, I discovered that GM Financial <em>Leasing</em> has <em>reported</em> my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their <em>investigation</em> on XX/XX/XXXX they said their <em>investigation</em> was completed and it was correct according to GM Financial."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[20.341549,"4408537"]},{"_index":"complaint-public-v1","_id":"21015152","_score":19.419365,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : Credit Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MI XXXX Complaint Type : Problem with a loan or lease Complaint Details : I am submitting this complaint because Credit Acceptance Corporation engaged in unfair, deceptive, and abusive practices regarding my auto loan and the deficiency balance after my vehicle was repossessed and sold. \n\nIssues : 1. Incorrect Deficiency Balance : Vehicle repossessed on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX, XXXX, LA. \nSale proceeds : {$8000.00} ; company claims total deficiency of {$10000.00}. \nThey failed to properly apply my payments and XXXX insurance coverage, resulting in an inflated balance. \nXXXX. Abusive Collection Practices : Threats of disabling my vehicle via GPS and starter interruption devices. \nDemanding additional collection fees and attorney costs ( up to 25 % of the loan ). \nXXXX. Deceptive Contract Terms : Arbitration and other clauses limit my legal rights while imposing financial obligations. \nXXXX Credit Reporting Errors : Reporting incorrect deficiency balances to XXXX  XXXX XXXX, and XXXX  despite my payments and XXXX balance proof. \n\nResolution Requested : Investigate and correct the deficiency balance. \nProperly apply payments and XXXX insurance credits. \nEnsure collection practices are lawful and do not include abusive fees or threats. \nCorrect any inaccurate credit reporting. \nProvide confirmation that Credit Acceptance will not enforce invalid charges. \n\nAttachments ( optional but recommended ) : Contract and arbitration clauses Deficiency notice Payment records and XXXX  coverage proof Correspondence with Credit Acceptance Signature : XXXX XXXX","date_sent_to_company":"2026-04-07T16:40:59.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"712XX","tags":null,"has_narrative":true,"complaint_id":"21015152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2026-04-07T16:34:16.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Company : <em>Credit</em> Acceptance Corporation Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MI XXXX Complaint Type : <em>Problem</em> with a <em>loan</em> or <em>lease</em> Complaint Details : I am submitting this complaint because <em>Credit</em> Acceptance Corporation engaged in unfair, deceptive, and abusive practices regarding my auto <em>loan</em> and the deficiency balance after my <em>vehicle</em> was repossessed and sold. \n\nIssues : 1."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"],"sub_product":["<em>Lease</em>"]},"sort":[19.419365,"21015152"]},{"_index":"complaint-public-v1","_id":"4408523","_score":18.53582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a lease vehicle for 39 months with RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC in XXXX on XX/XX/XXXX and it was financed by XXXX XXXX XXXX. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the 39,254 that was allowed, back to RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC, without purchasing another vehicle. My last payment to XXXX XXXX was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped XXXX  points. Upon opening the app, I discovered that XXXX XXXX XXXX has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and I found out that my car was grounded with XXXX XXXX on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( XXXX ), someone called from RAY SKILLMAN NORTHEAST BUICK GMC TRUCK INC to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. \nWhen talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a \" NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.","date_sent_to_company":"2021-05-26T21:49:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46229","tags":null,"has_narrative":true,"complaint_id":"4408523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ray Skillman Northeast Buick GMC Truck Inc","date_received":"2021-05-26T21:49:38.000Z","state":"IN","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["And this is why I have the negative <em>report</em> on my <em>credit</em>. Once the car is grounded again, they can fix the negative <em>credit</em> <em>report</em>. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a \" NO FAULT LETTER '' from the dealership to fix my <em>credit</em> score."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[18.53582,"4408523"]},{"_index":"complaint-public-v1","_id":"11617911","_score":18.243223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Nissan for Improper Credit Reporting, Re-aging of Debt, and Violations of the FCRA and FDCPA 1. Description of the Problem This complaint concerns Nissan Account # XXXX, which was a lease with a maturity date of XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX, with a balance of {$4100.00}, stemming from a dispute over damages allegedly caused to the headlights. \n\nThe key issues with Nissans handling of this account are : Re-aging of Debt : Nissan has repeatedly re-aged this account, falsely updating its status as open and active while inaccurately reporting payment obligations. \nThis ongoing re-aging creates the misleading appearance that payments are due, despite the lease term having ended in XXXX. \nErroneous Credit Reporting on All Three Bureaus : Nissan reported the account as \" open, '' with a balance owing and $ XXXX monthly payments, to all three credit bureaus : XXXX : \" Full termination/balance owing. '' XXXX : \" Full termination/balance owing. '' XXXX : \" Lease - full termination. '' These inaccurate entries made it appear as though I was delinquent on payments when there was no active obligation. \nFailure to Adequately Investigate or Correct Errors : When I disputed the reporting, Nissan failed to adequately investigate and correct the errors. Instead, they responded with comments like Completed. Investigation of FCRA dispute - consumer disagrees and This has already been investigated. \nCollection Efforts on a Disputed Debt : In XXXX, I received a collection letter for the balance owed on this terminated lease, further demonstrating improper debt collection practices. \nThese actions by Nissan have caused significant harm to my creditworthiness, leading to a decreased credit score, difficulty obtaining a home loan, and forcing me to purchase a vehicle through Carvana under less favorable terms. \n\n2. Violations Cited and Applicable Laws Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Furnishers must report accurate information to credit bureaus. Nissans re-aging of this account and inaccurate reporting of payment obligations constitute false and misleading information. \n15 U.S.C. 1681i : When a dispute is filed, furnishers must conduct a reasonable reinvestigation to correct inaccuracies. Nissans failure to properly investigate and correct errors violates this provision. \n15 U.S.C. 1681b : Prohibits reporting without a permissible purpose. Nissans ongoing reporting of a terminated lease as open and active lacks a legitimate purpose. \nFair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g : Debt collectors must validate debts upon request. Nissans collection efforts on a disputed debt, without proper validation, violate this provision. \n15 U.S.C. 1692e : Prohibits false or misleading representations. Reporting the account as open, with a balance owing and no payment being made, is deceptive and misleading.\n\n15 U.S.C. 1692f : Prohibits unfair practices, including re-aging and pursuing collections on a terminated lease without adequate investigation or correction. \nConsumer Financial Protection Bureau ( CFPB ) Guidelines : CFPB Rules on Accurate Reporting : Require creditors to provide clear and accurate reporting of debt obligations. Nissans actions violate CFPB guidelines by creating the false impression of delinquency on a lease that had terminated in XXXX. \nStatute of Limitations : Most states impose a 4 to 6-year statute of limitations on collection of lease balances. Nissans collection activity in XXXX on a lease terminated in XXXX is likely outside the statute of limitations, rendering the collection improper. \n3. Penalties Owed According to the Law FCRA Statutory Damages : Nissans reporting to three credit bureaus ( XXXX, XXXX, XXXX ) over a period of 6 years ( XXXX ) constitutes ongoing violations. \n180 violations ( 6 years 3 bureaus ) at {$1000.00} per violation totals {$180000.00}. \nFDCPA Statutory Damages : Improper collection efforts, failure to validate the debt, and misrepresentation of the account constitute multiple violations. \n{$1000.00} per violation plus compensatory damages. \nCFPB Civil Penalties : Reckless and knowing violations of federal consumer protection laws are subject to civil penalties : Tier 2 : Up to {$25000.00} per day for reckless violations. \nFor 180 days of reporting violations, penalties total {>= $1,000,000}. \nCompensatory Damages : Financial harm caused by an inability to obtain a home loan and unfavorable vehicle financing terms. \nEmotional distress from ongoing credit damage. \n4. Documented Pattern of Non-Compliance Nissan has a documented history of consumer complaints for similar practices, including re-aging accounts, failing to investigate disputes, and improperly reporting terminated leases. These patterns reflect systemic disregard for consumer protection laws. \nDocumented Pattern of Non-Compliance NMAC has exhibited a pattern of similar behavior, as evidenced by : Class Action Lawsuit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, plaintiffs alleged that XXXX XXXXXXXX XXXX  with halogen headlamps had a defect causing dimming of the low beam headlights. Nissan settled this lawsuit, providing extended warranty coverage and reimbursements. \nConsumer Complaints : Numerous consumers have reported issues with NMAC regarding end-of-lease balances and improper credit reporting. For instance, a consumer reported an unresolved end-of-lease balance appearing on their credit report for seven years.","date_sent_to_company":"2025-01-20T05:43:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48174","tags":null,"has_narrative":true,"complaint_id":"11617911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2025-01-20T05:31:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["For 180 days of <em>reporting</em> violations, penalties total {>= $1,000,000}. \nCompensatory Damages : Financial harm caused by an inability to obtain a home <em>loan</em> and unfavorable <em>vehicle</em> financing terms. \nEmotional distress from ongoing <em>credit</em> damage. \n4. Documented Pattern of Non-Compliance Nissan has a documented history of consumer complaints for similar practices, including re-aging accounts, failing to <em>investigate</em> disputes, and improperly <em>reporting</em> terminated <em>leases</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.243223,"11617911"]},{"_index":"complaint-public-v1","_id":"21176231","_score":18.128567,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint 2 : Bridgecrest Company name to enter : Bridgecrest Acceptance Corporation XXXX category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : I financed a XXXX XXXX XXXX XXXX  ( VIN : XXXX ) through Bridgecrest beginning XX/XX/XXXX, following the vehicle 's purchase from XXXX in XXXX, XXXX. I made loan payments to Bridgecrest from origination without any knowledge that the vehicle had never been properly titled in my name. \nIn XXXX, when attempting to sell the vehicle, I discovered that XXXX XXXX the original lienholder still held the title and lien under the name of the previous owner, XXXX XXXX. The title had never been transferred into my name. I have a recorded phone call in which XXXX XXXX XXXX representatives, including a manager identified as XXXX ( XXXX ID : XXXX XXXX ), confirmed that the account was not in my name and that they continued to hold the title and XXXX on the vehicle. \nWhen I raised this title defect with Bridgecrest, they refused to provide any documentation or written explanation and stated, in substance, that I would be held financially responsible regardless of the title circumstances. Every request I made for written documentation or clarification was denied or deflected. Bridgecrest never provided a single written response addressing the title discrepancy I raised. I am attaching a screenshot of my Bridgecrest account portal confirming account number XXXX, the outstanding balance of {$7200.00}, and the XXXX XXXX XXXX as the subject vehicle. This portal screenshot also shows that Bridgecrest is actively pursuing collection on this account while I have a formal and documented title dispute outstanding. \nBridgecrest charged off the account in XX/XX/XXXX and a repossession was subsequently reported to all three major credit bureaus XXXX XXXX XXXX XXXX under my name in XX/XX/XXXX. This reporting is inaccurate and invalid, as the vehicle was never legally titled in my name. Bridgecrest collected payments from me for approximately XXXX years on a vehicle whose title was never properly transferred to me, refused to investigate or address the title defect when I raised it, refused to provide any written documentation of their position, and then penalized me with a charge-off and repossession on my credit record. The refusal to provide documentation across all parties involved appears to be a deliberate pattern of withholding information from a consumer with a legitimate dispute. \nDesired resolution : I am requesting a full investigation into Bridgecrest 's handling of this account, the immediate retraction of the repossession and charge-off reporting from all three major credit bureaus, and written confirmation that this account has been resolved.","date_sent_to_company":"2026-04-13T01:12:51.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"21176231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2026-04-13T00:58:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Complaint 2 : Bridgecrest Company name to enter : Bridgecrest Acceptance Corporation XXXX category to select : <em>Vehicle</em> <em>loan</em> or <em>lease</em> <em>Problems</em> with the purchase of your car Complaint narrative : I financed a XXXX XXXX XXXX XXXX  ( VIN : XXXX ) through Bridgecrest beginning XX/XX/XXXX, following the <em>vehicle</em> 's purchase from XXXX in XXXX, XXXX. I made <em>loan</em> payments to Bridgecrest from origination without any knowledge that the <em>vehicle</em> had never been properly titled in my name."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"]},"sort":[18.128567,"21176231"]},{"_index":"complaint-public-v1","_id":"21176118","_score":17.711458,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint 1 : Carvana Company name to enter : Carvana, LLC Product/Issue category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( VIN : XXXX ) from Carvana in XXXX, XXXX. Financing was arranged through XXXX. At no point during the sale did Carvana inform me that the vehicle title had not been cleared from the previous owner, XXXX XXXX. Carvana also failed to provide the standard vehicle details packet that is typically delivered with the vehicle at the time of sale. The absence of this packet meant I had no documentation of the transaction from the moment of purchase. \nI made loan payments to XXXX from XX/XX/XXXX onward without any knowledge of a title defect. In XXXX, when I attempted to sell the vehicle back to Carvana, I was directed to contact XXXX XXXX to obtain the title. Upon calling XXXX XXXX, I was informed that no account existed in my name and that the vehicle remained titled under the name of XXXX XXXX the previous owner. The title had never been transferred out of her name and into mine despite my having purchased, possessed, registered, and made payments on the vehicle for approximately XXXX years. \nWhen I contacted Carvana to report this title discrepancy, they stated they could not assist me and directed me to XXXX. At no point did Carvana provide any written documentation, explanation, or resolution regarding the failure to transfer the vehicle title at the time of sale. Every attempt I made to obtain documentation or a written response was refused or redirected. I am attaching a screenshot from Carvana 's own website showing my name associated with this vehicle, the matching VIN ( XXXX ), the purchase date of XX/XX/XXXX, and a prior buyback offer of {$2000.00} confirming Carvana 's own records acknowledge this vehicle as mine while the title was never legally transferred into my name. I am also attaching a screenshot of the vehicle 's original Carvana listing showing it was sold for {$16000.00}. \nI have a recorded phone call in which XXXX XXXX XXXX representatives, including a manager identified as XXXX ( Employee ID : XXXX XXXX ), verbally confirmed that the account was never in my name and that XXXX XXXX still held the title and XXXX on the vehicle under XXXX XXXXXXXX XXXX name. A repossession was subsequently reported to all three major credit bureaus under my name in XX/XX/XXXX for a vehicle that was never legally titled in my name. The consistent refusal by all parties to provide written documentation appears to be a deliberate pattern of withholding information from a consumer with a legitimate title dispute. \nDesired resolution : I am requesting a full investigation into Carvana 's failure to properly transfer the vehicle title at the time of sale, and the removal of any negative credit reporting related to this vehicle from all three major credit bureaus.","date_sent_to_company":"2026-04-13T00:57:34.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"21176118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2026-04-13T00:35:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Desired resolution : I am requesting a full <em>investigation</em> into Carvana 's failure to properly transfer the <em>vehicle</em> title at the time of sale, and the removal of any negative <em>credit</em> <em>reporting</em> related to this <em>vehicle</em> from all three major <em>credit</em> bureaus."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other <em>problem</em> after the <em>loan</em> is paid off"]},"sort":[17.711458,"21176118"]},{"_index":"complaint-public-v1","_id":"21176299","_score":17.680935,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint XXXX XXXX XXXX XXXX XXXXXXXX name to enter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product/Issue category to select : Vehicle loan or lease Problems with the purchase of your car Complaint narrative : I am filing this complaint regarding a vehicle lien that XXXX XXXX continued to hold on a XXXX XXXX XXXX XXXX  ( VIN : XXXX ) that I purchased from XXXX on XX/XX/XXXX. Despite my purchase of this vehicle and years of loan payments made to XXXXXXXX XXXX XXXX continued to hold the title and lien under the name of the previous owner, XXXX XXXX, without ever notifying me or taking any action to resolve the title defect. \nIn XXXX, I contacted XXXX XXXX after being directed to do so by XXXX when attempting to obtain the vehicle title. A male representative confirmed that the account was not in my name and that XXXX XXXX still held the title and XXXX on the vehicle. I was then transferred to a manager identified as XXXX ( Employee ID : XXXX XXXX ), who confirmed the same, stating : \" since the account isn't in your name I would not be able to release any documents. '' This call was recorded in full and is attached to this complaint as a supporting audio file. \nWhen I asked XXXX XXXX  to provide written documentation confirming that the account and title were not in my name which would have been essential to resolving my dispute with XXXX and XXXX they refused. XXXX explicitly cited the fact that the account was not in my name as the reason they could not release documents, creating a situation where I was unable to obtain proof of the very title defect that was harming me. This refusal to provide documentation, combined with identical refusals from XXXX and XXXX, left me with no written evidence of a defect that all three companies were aware of. The pattern of verbal acknowledgment combined with refusal to document appears deliberate. \nA repossession was reported to all three major credit bureaus under my name in XX/XX/XXXX for a vehicle that XXXX XXXX XXXX  own representatives confirmed on a recorded call was never in my name. I am attaching that recording as well as screenshots from both XXXX and XXXXXXXX XXXX platforms confirming the vehicle details, account number, and my association with this vehicle. \nDesired resolution : I am requesting a full investigation into how this vehicle 's title remained under a previous owner 's name for over XXXX years following its sale, written documentation confirming that the account was never in my name, and the immediate removal of the repossession and any related negative reporting from my credit reports at all three major credit bureaus.","date_sent_to_company":"2026-04-13T01:23:04.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"10301","tags":null,"has_narrative":true,"complaint_id":"21176299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-04-13T01:13:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Desired resolution : I am requesting a full <em>investigation</em> into how this <em>vehicle</em> 's title remained under a previous owner 's name for over XXXX years following its sale, written documentation confirming that the account was never in my name, and the immediate removal of the repossession and any related negative <em>reporting</em> from my <em>credit</em> <em>reports</em> at all three major <em>credit</em> bureaus."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Unable to receive car title or other <em>problem</em> after the <em>loan</em> is paid off"]},"sort":[17.680935,"21176299"]},{"_index":"complaint-public-v1","_id":"2991376","_score":17.565533,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. \nAfter a few months he left the apartment and defaulted on the lease. \nShortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of 850 each month. \nI contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed \" XXXX XXXX XXXX \" or \" XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. \nI realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. \nI contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. \nI would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.","date_sent_to_company":"2018-08-14T18:35:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"156XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2991376","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-08-14T17:46:13.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Shortly after that I bought a new <em>vehicle</em> and when doing the financing, found that I did qualify for the best rate because this debt was on my <em>credit</em> record as <em>reported</em> by one of the large three <em>credit</em> rating agencies and was in collection. My <em>credit</em> <em>report</em> has been flawless over the past 30 years and has averaged a score of 850 each month. \nI contacted the <em>reporting</em> agency with the <em>problem</em>. They did their <em>investigation</em> with the collection agency and landlord."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.565533,"2991376"]},{"_index":"complaint-public-v1","_id":"2991381","_score":17.540085,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.\n\nAfter a few months he left the apartment and defaulted on the lease.\n\nShortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.\n\nI contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed \" XXXX XXXX XXXX \" or \" XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. \nI realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. \nI contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. \nI would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.","date_sent_to_company":"2018-08-14T18:35:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"156XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2991381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Collection Bureau, Inc.","date_received":"2018-08-14T18:35:39.000Z","state":"PA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Shortly after that I bought a new <em>vehicle</em> and when doing the financing, found that I did qualify for the best rate because this debt was on my <em>credit</em> record as <em>reported</em> by one of the large three <em>credit</em> rating agencies and was in collection. My <em>credit</em> <em>report</em> has been flawless over the past 30 years and has averaged a score of XXXX each month.\n\nI contacted the <em>reporting</em> agency with the <em>problem</em>. They did their <em>investigation</em> with the collection agency and landlord."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.540085,"2991381"]},{"_index":"complaint-public-v1","_id":"2991380","_score":17.540085,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. \nAfter a few months he left the apartment and defaulted on the lease. \nShortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month. \nI contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed \" XXXX XXXX XXXX \" or \" XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. \nI realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. \nI contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. \nI would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.","date_sent_to_company":"2018-08-14T18:35:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"156XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2991380","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-08-14T18:35:39.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Shortly after that I bought a new <em>vehicle</em> and when doing the financing, found that I did qualify for the best rate because this debt was on my <em>credit</em> record as <em>reported</em> by one of the large three <em>credit</em> rating agencies and was in collection. My <em>credit</em> <em>report</em> has been flawless over the past 30 years and has averaged a score of XXXX each month. \nI contacted the <em>reporting</em> agency with the <em>problem</em>. They did their <em>investigation</em> with the collection agency and landlord."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.540085,"2991380"]},{"_index":"complaint-public-v1","_id":"14360916","_score":17.091524,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company Name : Pentagon Federal Credit Union ( PenFed ) Issue Type : Auto loan or lease Problems when you are unable to pay What happened : In XXXX, I experienced a financial hardship and applied for assistance with my PenFed auto loan. Despite submitting my hardship request, PenFed denied it and offered no clear reason or alternative. Shortly after, they repossessed my vehicle without giving me proper legal notice of default, repossession, or sale.\n\nI was not given a breakdown of any remaining balance or sale documentation. I have since disputed the account multiple times. PenFed failed to provide required documentation under UCC 9-611, 9-614, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The repossession has negatively affected my credit, and I believe it was conducted improperly.\n\nI formally request that PenFed provide all legal documentation validating the repossession, or remove the negative reporting from my credit report entirely.\n\nWhat resolution are you seeking?\n\nImmediate investigation into the repossession process Full validation documents ( contract, repo notice, sale details, etc. ) Deletion of any unverifiable tradeline on my credit report A clear written explanation of their decision process Removal of deficiency balance if not legally justified In addition to the improper repossession, I was never allowed to retrieve my personal property from the vehicle. There were over {$2000.00} worth of T-shirts and merchandise in the car belonging to my business. PenFed and/or their recovery agent never notified me or allowed retrieval of my belongings, violating my rights and causing further financial harm. This is a direct violation of personal property protection under UCC law and state repossession standards Impact : This has caused me long-term damage to my credit and emotional stress. I was actively trying to resolve the issue but was denied help without clarity or fairness.","date_sent_to_company":"2025-06-29T10:01:54.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"28314","tags":null,"has_narrative":true,"complaint_id":"14360916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2025-06-29T09:50:16.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Company Name : Pentagon Federal <em>Credit</em> Union ( PenFed ) Issue Type : Auto <em>loan</em> or <em>lease</em> <em>Problems</em> when you are unable to pay What happened : In XXXX, I experienced a financial hardship and applied for assistance with my PenFed auto <em>loan</em>. Despite submitting my hardship request, PenFed denied it and offered no clear reason or alternative. Shortly after, they repossessed my <em>vehicle</em> without giving me proper legal notice of default, repossession, or sale."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Struggling to pay your <em>loan</em>"],"company":["PENTAGON FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Loan</em>"]},"sort":[17.091524,"14360916"]},{"_index":"complaint-public-v1","_id":"6799493","_score":16.585138,"_source":{"product":"Debt collection","complaint_what_happened":"Im writing this at this hour because this situation has caused me to lose many nights of sleep. \n\nAs you know XXXX XXXX XXXX XXXX XXXX XXXX ) closed its doors in XXXX and recently filed for XXXX XXXX Bankruptcy. This has caused so many problems for so many people, and according to the media, all people have to do is pay Westlake Portfolio Management ( WPM ). Thats what everyone says. Just send them your payments. WELL, its really Not that simple. First of all, WPM is a Collection Agency. Does anyone know what that really means? All of the accounts are in Collections! Why is that ok? Collection Agencies handle accounts that are delinquent and the original creditor has made all attempts for customers to pay, unavailable and unsuccessful. \n\nA Collection Agency on your credit can cause your credit score to plummet by XXXX XXXX. A Collection Agency on your credit can cause people to Not be hired or Lose a Current Job. A Collection Agency on your credit can prevent a home purchase. Why should the people that were doing business with XXXX  have to suffer because they decided to shut the business down? Not only is the Collection Agency issue a problem, but what do they do about warranty issues. WPM has made it clear that they will Not honor any warranty. There are people with their vehicles STUCK in the shop because they were never paid for repairs. They have also told individuals that the term of their car notes is 136 months! Do you know how many Years 136 months is? XXXX Would you pay a car note that long? Another issue is most didnt even know they were leasing their vehicle until all of this happened. Others found out after they paid their deposits. These are people that werent able to get a car loan, and now theyre APPROVED! The excitement about having a nice vehicle with an affordable down payment blinded most of us. Nothing about XXXX said Lease. They were the King of Credit. It was a Buy Here Pay Here Car Lot. What about that says Lease? \n\nI dont know of a vehicle from them worth more than {$15000.00} and to own it will cost at least {$30000.00}. With a lease certain terms that were available. You could turn it in and walk away. You could trade it in for another vehicle. You could make a balloon payment and then begin a purchase. These options werent even known by many of the customers, but now None of those options are available anymore. Theres nowhere to return the vehicle. WPM says they only collect on the debt and even if you return the car, youll still have to pay for it! There are people with a car and No Paperwork. They have Nothing saying they even have a vehicle from XXXX. Nothing! They cant even register the vehicle! WPM doesnt have anything on them! They just have a vehicle they cant do anything with, not even operate legally! Just pay yall say. There's not even a guarantee that WPM even had the titles. Have you even looked at the reviews? Horrible! People are waiting for titles long after paying for their vehicles. I know of someone that had their vehicle totaled and cant do anything with the check from the insurance company because XXXX is on it and WPM doesnt have her account! Now she has No vehicle and a check that might as well be a piece of blank paper. Just pay the yall say! \n\nWPM says they dont need to issue any new contracts because theyre honoring the original contract. How is that when theyve canceled the warranty, changed the terms of the payments, removed the lease options, dont have titles, and dont even have everyones account! Just pay yall say. Would you pay? What about the rights of the consumer? We are aware that to yall were nobody. Nothing. I mean we couldnt even purchase a car at a regular lot. We didnt even know we were leasing. We made a down payment before signing paperwork ( that locked us into the lease without even knowing that was what it was ) We cant even find an attorney that will listen to us because whos going to pay them? XXXX is bankruptcy and the business has been dissolved. We want you to know that We are Not a bunch of Nobodys. We Matter. We have Rights as consumers! We have a Voice! We Demand to be heard! \n\nWPM has made hard inquiries on peoples credit without any consent! They have automatically deducted payments on bank accounts without permission! They harass people by calling several times a day from different numbers! They dont care about how they speak to people! They even hang up or yell over people. They arent even supposed to officially take over until XX/XX/XXXX. ( According to an interview with the XXXX ) The law states that they have to send out a verification letter within 5 days of contact, and they didnt. They cant even validate the debt! Theyre asking people to send them their original contracts! Pay them YALL say! Why should they pay them? There are so many things that have been done illegally! People have cars in other peoples name that they didnt know about. People have vehicles with VINs different than their paperwork. People have accident reports on their insurance since theyve had the vehicles that they did didnt make or know about. Pay them YALL say! WPM is a debt collection agency and most of the people werent even delinquent! Tell us again that we should just shut up and pay. \n\nPeople are scared. People are stressed to the max. Why pay again? Because they bought the information? What about XXXX filing bankruptcy followed by XXXX XXXX XXXX Are our vehicles part of the bankruptcy? Are they listed as assets? Should ANYONE be collecting while the bankruptcy is in process? Who do we have in our corner? Who cares about us? \n\nThey had over 40 dealerships in 10 states! Do you know how many customers that is? Thousands! What about us? Some people have already paid $ XXXX into their car already for a car worth {$7000.00}, and they still have more than {$15000.00} to go. They dont want to lose their only means of transportation, but at what cost? We were preyed upon and now were been preyed upon by a different company and thrown away by the rest of the world as if were trash! Just pay YALL say. We say NO! Since WPM has only some of our information, what about the rest of the accounts? Who has them? We Demand proof that we can get our titles once the vehicles paid off. We Demand Validation of the Debts? Are they ( WPM ) even licensed to collect in the states we all live in? We Demand a new contract with terms that they plan on adhering to! We want to be turned over to a finance company for negotiations. We want WPM off of our credit reports completely and all collection activity stopped immediately! We want attorneys to work with us to ensure all if our rights are observed and that WPM be made to stop. They are harassing people and pressuring them to pay a debt they legally cant collect on right now. We dealt with enough from XXXX, we refuse to go from a bad company to the worst company. WE DEMAND THAT OUR VOICES BE HEARD! WE WONT BACK DOWN! Why not take some time to actually investigate this matter instead of telling us to JUST PAY WPM! HELP US! PLEASE! We can be contacted via XXXX under XXXX XXXX XXXX XXXX. Join us and read our stories. See for yourself what this situation is doing to Thousands of people that have been thrown into the lions den. We are Not trying to get a free car! We just want to be treated fairly and justly, and be taken seriously. We are willing to pay a reasonable amount to a finance company under a new contract, or to the bankruptcy courts for the blue book value of the vehicles. Thank you for taking the time to hear me out. I hope that we hear from you soon.","date_sent_to_company":"2023-04-05T14:34:38.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"6799493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-04-05T14:24:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["The excitement about having a nice <em>vehicle</em> with an affordable down payment blinded most of us. Nothing about XXXX said <em>Lease</em>. They were the King of <em>Credit</em>. It was a Buy Here Pay Here Car Lot. What about that says <em>Lease</em>? \n\nI dont know of a <em>vehicle</em> from them worth more than {$15000.00} and to own it will cost at least {$30000.00}. With a <em>lease</em> certain terms that were available. You could turn it in and walk away. You could trade it in for another <em>vehicle</em>."]},"sort":[16.585138,"6799493"]},{"_index":"complaint-public-v1","_id":"17455809","_score":16.38791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. \nOn XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. \nThe verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. \nXXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. \nXXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. \nXXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. \nDespite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. \nWhat I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. \nAttachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax","date_sent_to_company":"2025-11-23T16:27:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"17455809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-23T16:27:12.000Z","state":"LA","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":["information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto <em>Loan</em> or <em>Lease</em> Issue Category : Incorrect information on <em>credit</em> <em>report</em> company failed to fix errors after dispute Summary of the <em>Problem</em> : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.38791,"17455809"]},{"_index":"complaint-public-v1","_id":"17455808","_score":16.38791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. \nOn XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. \nThe verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. \nXXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. \nXXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. \nXXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. \nDespite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. \nWhat I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. \nAttachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax","date_sent_to_company":"2025-11-23T16:27:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"17455808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-23T16:27:12.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto <em>Loan</em> or <em>Lease</em> Issue Category : Incorrect information on <em>credit</em> <em>report</em> company failed to fix errors after dispute Summary of the <em>Problem</em> : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.38791,"17455808"]},{"_index":"complaint-public-v1","_id":"17456129","_score":16.371588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. \nOn XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. \nThe verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. \nXXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. \nXXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. \nXXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. \nDespite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. \nWhat I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. \nAttachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax","date_sent_to_company":"2025-11-23T16:27:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"17456129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-23T16:03:51.000Z","state":"LA","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":["information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto <em>Loan</em> or <em>Lease</em> Issue Category : Incorrect information on <em>credit</em> <em>report</em> company failed to fix errors after dispute Summary of the <em>Problem</em> : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.371588,"17456129"]},{"_index":"complaint-public-v1","_id":"21104655","_score":16.355206,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"COMPANY : XXXX, XXXX and Bridgecrest Credit Company , LLC ( XXXX XXXX XXXX ) PRODUCT : Vehicle loan or lease ISSUE : Problem with the loan or lease SUB-ISSUE : Loan balance remaining after the vehicle is repossessed and sold / Billing disputes or issues SUMMARY : This complaint concerns the same corporate family that was the subject of the CFPB 's XXXX {$8.00} XXXX enforcement action against XXXX for deceptive auto lending practices. XXXX and Bridgecrest are controlled by XXXX XXXX XXXX ( XXXX founder ) and his son XXXX XXXX XXXX ( XXXX XXXX ), and operate an integrated dealer-captive lender structure that the CFPB has previously identified as presenting significant risk of consumer harm. \n\nI am filing this complaint to : ( 1 ) report a specific transaction exhibiting the same pattern the CFPB previously enforced against, and ( 2 ) request CFPB investigation into whether this pattern constitutes an ongoing unfair, deceptive, or abusive act or practice under the Consumer Financial Protection Act, 12 U.S.C. 5531.\n\nDETAILS OF THE TRANSACTION : On XX/XX/XXXX, XXXX sold me a used XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( VIN : XXXX, XXXX miles ) for {$95000.00} a 20 % premium above the vehicle 's original new MSRP of approximately {$79000.00}. XXXX charged more for a XXXX-year-old used vehicle than the same vehicle cost when it was brand new. \n\nThe purchase was financed at XXXX  % APR through Bridgecrest, XXXXXXXX XXXX affiliated captive lender. The Amount Financed was {$95000.00} over XXXX  months, producing approximately {$31000.00} in finance charges on the inflated principal. \n\nI have made XXXX consecutive on-time payments via AutoPay totaling {$76000.00} ( {$9000.00} down payment plus {$67000.00} in monthly payments ). I still owe {$50000.00} on a vehicle currently worth {$30000.00} {$33000.00}. I have been approximately {$18000.00} {$21000.00} underwater throughout the life of this loan despite a perfect payment history. \n\nTHE PATTERN THE CFPB SHOULD INVESTIGATE : The CFPB 's own Data Spotlight on Negative Equity found that only XXXX  % of auto loans industry-wide are originated with negative equity. Independent analysis of XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) found that approximately one-third of XXXX loans were underwater at origination XXXX to 4 times the industry rate. XXXX XXXX ( XX/XX/XXXX ) found that approximately 44 % of vehicles financed through XXXX since XXXX are underwater. The CFPB 's own data further shows that consumers who finance negative equity are more than twice as likely to face repossession within XXXX years. \n\nThis is not an isolated incident. It is the predictable output of a business model that : 1. Prices vehicles above fair market value ( in my case, above the original new MSRP ) ; 2. Originates the financing through an affiliated captive lender that profits from interest on the inflated principal ; 3. Eliminates the independent lender underwriting check that normally protects consumers in arm's-length transactions ; 4. Bundles add-on products such as XXXX coverage into the financed principal, where they accrue interest at the loan rate ( in my case, {$1000.00} in XXXX coverage that accrues to approximately {$1500.00} with interest and which, by its own terms, does not cover the negative equity situation the transaction structure guaranteed at origination ). \n\nTHE CORPORATE FAMILY 'S ENFORCEMENT HISTORY : In XXXX, the CFPB brought an {$8.00} XXXX enforcement action against XXXX for deceptive auto lending practices. XXXX is the parent entity controlled by XXXX XXXX XXXX. His son, XXXX XXXX XXXX, founded and serves as XXXX  of XXXX. Bridgecrest was established as the captive financing arm for both XXXX and XXXX. The structure the CFPB previously sanctioned has been replicated and scaled through XXXX. \n\nIn XXXX, the CFPB sued XXXX XXXX XXXX, which operates the same integrated dealer-lender model, alleging that the company \" misrepresented costs in loan agreements and tricked customers into high-cost loans on used cars '' by incentivizing dealers to inflate vehicle prices to increase loan principal balances. The parallels to XXXXBridgecrest 's operations are direct. \n\nCURRENT REGULATORY AND MARKET CONTEXT : XXXX is currently the subject of significant independent scrutiny : the XXXX XXXX XXXX report ( XX/XX/XXXX ) raised concerns about XXXX 's lending and accounting practices, and the XXXX XXXX report ( XX/XX/XXXX ) documented alleged accounting irregularities and {$800.00} XXXX in loan sales to a suspected undisclosed related party. The XXXX XXXX law firm has initiated a mass arbitration campaign against XXXX on behalf of consumers alleging similar unfair lending practices. \n\nPRE-ARBITRATION CONDUCT : On XX/XX/XXXX, I served a formal Claim Notice under Section XXXX of XXXX 's Arbitration Agreement. XXXXXXXX XXXX XXXX XXXX team acknowledged receipt in writing and responded : \" we are unable to modify or restructure financing terms. '' XXXX refused to engage in good-faith resolution of my claim. On XX/XX/XXXX, I filed a Demand for Arbitration with the XXXX XXXX XXXX under Case No. XXXX. \n\nVIOLATIONS ALLEGED : 1. Unfair, Deceptive, and Abusive Acts or Practices under CFPA, 12 U.S.C. 5531, by structuring a transaction that eliminates independent market discipline and systematically originates negative-equity loans at XXXX times the industry rate.\n\n2. Deceptive pricing practices by offering a \" discount '' relative to current new-vehicle MSRP while concealing that the price exceeded the vehicle 's own original new MSRP.\n\n3. Deceptive sale of GAP coverage financed into the loan principal, where the coverage by its own terms can not address the negative-equity situation that the transaction was structured to create. \n\nDESIRED RESOLUTION : 1. CFPB investigation of XXXXBridgecrest lending practices, including the systemic origination of negative-equity loans at rates substantially exceeding industry norms ; 2. Principal reduction of my loan balance to align with the vehicle 's current fair market value ; 3. Reduction of the XXXX  % APR to a competitive rate ; 4. Disgorgement of the interest collected on the inflated portion of the principal ; 5. Such other relief as the CFPB deems appropriate. \n\nI have attached ( or will provide upon request ) : the AAA Demand for Arbitration, Supplemental Evidentiary Brief, Retail Installment Contract, and XXXX XXXX Resolution correspondence documenting XXXX 's refusal to engage in pre-arbitration resolution.","date_sent_to_company":"2026-04-09T20:17:45.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"21104655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2026-04-09T20:03:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["COMPANY : XXXX, XXXX and Bridgecrest <em>Credit</em> Company , LLC ( XXXX XXXX XXXX ) PRODUCT : <em>Vehicle</em> <em>loan</em> or <em>lease</em> ISSUE : <em>Problem</em> with the <em>loan</em> or <em>lease</em> SUB-ISSUE : <em>Loan</em> balance remaining after the <em>vehicle</em> is repossessed and sold / Billing disputes or issues SUMMARY : This complaint concerns the same corporate family that was the subject of the CFPB 's XXXX {$8.00} XXXX enforcement action against XXXX for deceptive auto lending practices."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["<em>Problem</em> with additional products or services purchased with the <em>loan</em>"]},"sort":[16.355206,"21104655"]},{"_index":"complaint-public-v1","_id":"2795944","_score":16.192276,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my lease vehicle, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a loan and was approved from XXXX XXXX XXXX in XXXX California for the loan amount and interfaced with the loan officer XXXX. \nAs the loan was being processed I received a statement from XXXX XXXX XXXX saying I was past due with a payment. I called XXXX XXXX XXXX again and told them the loan was being processed and asked if I should sent a payment. I told them it was in a process of a buyout and gave the credit union information. The representative said it would be ok and I should not send in any payment as it would affect the buyout price. I expressed concern regarding any credit late payment and the representitive said it would be no problem if the car was in the process of a buy out. \nOn XX/XX/XXXX the check was sent from my credit union to XXXX XXXX XXXX and the credit union representative was also in direct contact with XXXX XXXX XXXX/ Chase Bank . \n\nOn XX/XX/XXXX I received a flag from XXXX regarding derogatory info on my credit report. Upon investigation it was noted that my account was 30 days past due from XXXX XXXX with the payment due XX/XX/XXXX. The check was received for the close out price apparently on XX/XX/XXXX. \nMy credit rating went down 81 points. I was very upset and contacted XXXX XXXX XXXX  and told them the credit union and Chase were in contact with each other and the check was sent XX/XX/XXXX, and why was a late payment reported to XXXX  when XXXX knew the loan was approved and the buyout payment was on its way to them. I feel this is very unfair and uncalled for. Chase said they indeed receive the check and the account was closed, but could not promise me that the derogatory info be removed from my credit report.","date_sent_to_company":"2018-02-12T22:01:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91403","tags":null,"has_narrative":true,"complaint_id":"2795944","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-01-28T22:24:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my <em>lease</em> <em>vehicle</em>, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a <em>loan</em> and was approved from XXXX XXXX XXXX in XXXX California for the <em>loan</em> amount and interfaced with the <em>loan</em> officer XXXX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.192276,"2795944"]},{"_index":"complaint-public-v1","_id":"6778079","_score":16.128284,"_source":{"product":"Debt collection","complaint_what_happened":"Ok. I didn't write this. XXXX XXXX did. We aren't asking yall to sign your name. We're asking you to copy it and send it to every single news media outlet in your area. We need to be heard! \n\nIm writing this at this hour because this situation has caused me to lose many nights of sleep. \nAs you know XXXX XXXX XXXX XXXX XXXX XXXX ) closed its doors in XXXX and recently filed for XXXX XXXX Bankruptcy. This has caused so many problems for so many people, and according to the media, all people have to do is pay Westlake Portfolio Management ( WPM ). Thats what everyone says. Just send them your payments. WELL, its really Not that simple. First of all, WPM is a Collection Agency. Does anyone know what that really means? All of the accounts are in Collections!! Why is that ok? Collection Agencies handle accounts that are delinquent and the original creditor has made all attempts for customers to pay, unavailable and unsuccessful. \nA Collection Agency on your credit can cause your credit score to plummet by XXXX points. A Collection Agency on your credit can cause people to Not be hired or Lose a Current Job. A Collection Agency on your credit can prevent a home purchase. Why should the people that were doing business with XXXX have to suffer because they decided to shut the business down? Not only is the Collection Agency issue a problem, but what do they do about warranty issues. WPM has made it clear that they will Not honor any warranty. There are people with their vehicles STUCK in the shop because they were never paid for repairs. They have also told individuals that the term of their car notes is 136 months!! Do you know how many Years 136 months is?? XXXX Would you pay a car note that long? \nAnother issue is most didnt even know they were leasing their vehicle until all of this happened. Others found out after they paid their deposits. These are people that werent able to get a car loan, and now theyre APPROVED! The excitement about having a nice vehicle with an affordable down payment blinded most of us. Nothing about XXXX said Lease. They were the XXXXXXXX XXXX XXXXXXXX. It was a Buy Here Pay Here Car Lot. What about that says Lease? \nI dont know of a vehicle from them worth more than {$15000.00} and to own it will cost at least {$30000.00}. With a lease certain terms that were available. You could turn it in and walk away. You could trade it in for another vehicle. You could make a balloon payment and then begin a purchase. These options werent even known by many of the customers, but now None of those options are available anymore. Theres nowhere to return the vehicle. WPM says they only collect on the debt and even if you return the car, youll still have to pay for it!! There are people with a car and No Paperwork. They have Nothing saying they even have a vehicle from XXXX. Nothing! They cant even register the vehicle! WPM doesnt have anything on them!! They just have a vehicle they cant do anything with, not even operate legally!! Just pay yall say. \nTheres not even a guarantee that WPM even had the titles. Have you even looked at the reviews?? Horrible! People are waiting for titles long after paying for their vehicles. I know of someone that had their vehicle totaled and cant do anything with the check from the insurance company because XXXX is on it and WPM doesnt have her account!! Now she has No vehicle and a check that might as well be a piece of blank paper. Just pay the yall say! \nWPM says they dont need to issue any new contracts because theyre honoring the original contract. How is that when theyve canceled the warranty, changed the terms of the payments, removed the lease options, dont have titles, and dont even have everyones account!! Just pay yall say. \nWould you pay? What about the rights of the consumer? We are aware that to yall were nobody. Nothing. I mean we couldnt even purchase a car at a regular lot. We didnt even know we were leasing. We made a down payment before signing paperwork ( that locked us into the lease without even knowing that was what it was ) We cant even find an attorney that will listen to us because whos going to pay them? XXXX is bankruptcy and the business has been dissolved. We want you to know that We are Not a bunch of Nobodys. We Matter. We have Rights as consumers! We have a Voice! We Demand to be heard!! \nWPM has made hard inquiries on peoples credit without any consent!! They have automatically deducted payments on bank accounts without permission!! They harass people by calling several times a day from different numbers!! They dont care about how they speak to people!! They even hang up or yell over people. They arent even supposed to officially take over until XXXX XXXX. ( According to an interview with the XXXX  ) The law states that they have to send out a verification letter within 5 days of contact, and they didnt. They cant even validate the debt!! Theyre asking people to send them their original contracts!! Pay them YALL say! Why should they pay them?? \nThere are so many things that have been done illegally! People have cars in other peoples name that they didnt know about. People have vehicles with VINs different than their paperwork. People have accident reports on their insurance since theyve had the vehicles that they did didnt make or know about. Pay them YALL say!!! WPM is a debt collection agency and most of the people werent even delinquent!! Tell us again that we should just shut up and pay. \nPeople are scared. People are stressed to the max. Why pay again? Because they bought the information? What about XXXX filing bankruptcy followed by XXXX XXXX XXXX Are our vehicles part of the bankruptcy? Are they listed as assets? Should ANYONE be collecting while the bankruptcy is in process? Who do we have in our corner? Who cares about us? \nThey had over 40 dealerships in 10 states! Do you know how many customers that is? Thousands!! What about us? Some people have already paid $ XXXX into their car already for a car worth {$7000.00}, and they still have more than {$15000.00} to go. They dont want to lose their only means of transportation, but at what cost? We were preyed upon and now were been preyed upon by a different company and thrown away by the rest of the world as if were trash!! Just pay YALL say.\n\nWe say NO!!! Since WPM has only some of our information, what about the rest of the accounts? Who has them? We Demand proof that we can get our titles once the vehicles paid off. We Demand Validation of the Debts? Are they ( WPM ) even licensed to collect in the states we all live in? We Demand a new contract with terms that they plan on adhering to!! We want to be turned over to a finance company for negotiations. We want WPM off of our credit reports completely and all collection activity stopped immediately! We want attorneys to work with us to ensure all if our rights are observed and that WPM be made to stop. They are harassing people and pressuring them to pay a debt they legally cant collect on right now. We dealt with enough from XXXX, we refuse to go from a bad company to the worst company. WE DEMAND THAT OUR VOICES BE HEARD!!!! WE WONT BACK DOWN!!! Why not take some time to actually investigate this matter instead of telling us to JUST PAY WPM! HELP US! PLEASE!!! We can be contacted via XXXX under XXXX XXXX XXXX  Customers. Join us and read our stories. See for yourself what this situation is doing to Thousands of people that have been thrown into the lions den. We are Not trying to get a free car!! We just want to be treated fairly and justly, and be taken seriously. We are willing to pay a reasonable amount to a finance company under a new contract, or to the bankruptcy courts for the blue book value of the vehicles. Thank you for taking the time to hear me out. I hope that we hear from you soon. \n\nSigned A Human Being With Rights P.S This letter will be sent to every news station in every city that XXXX operates in, and we will send this and other letters weekly until we are taken seriously.","date_sent_to_company":"2023-03-31T10:43:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"29349","tags":"Servicemember","has_narrative":true,"complaint_id":"6778079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2023-03-31T10:26:44.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["A Collection Agency on your <em>credit</em> can cause your <em>credit</em> score to plummet by XXXX points. A Collection Agency on your <em>credit</em> can cause people to Not be hired or Lose a Current Job. A Collection Agency on your <em>credit</em> can prevent a home purchase. Why should the people that were doing business with XXXX have to suffer because they decided to shut the business down? Not only is the Collection Agency issue a <em>problem</em>, but what do they do about warranty issues."]},"sort":[16.128284,"6778079"]},{"_index":"complaint-public-v1","_id":"10529177","_score":15.756236,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX below sent to SETF explaining my issue. Thank you. \n\n\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Acct # : To Whom It May Concern : I have been a long time loyal and happy customer of XXXX for over 25 years with XXXX XXXX XXXX XXXX XXXX FL. Today, I am extremely upset, frustrated, and very disappointed in Southeast Toyota Finance in re : this urgent matter/issue. I received a late marker for 30 days or more late on all three credit reports/bureaus and my SETF account. I have never been late once in my life on a car payment. I always pay on time or within the grace period ( as one can see documented on my account ). I would like the marker, and any comments attached to marker reversed ASAP. My credit score took a 50 point hit because of this. I have good credit and been trying to build it stronger. I value my relationship with SETF and this is very stressing to me. This is all I can think about and I worry how this affects my future buying power without correction. I had 100 percent payment history on all my bills before this. **Please give me a moment to explain with proof and documentation. On Saturday, XX/XX/XXXX, I took a lease buyout of my XXXX XXXX XXXX at XXXX of XXXX, FL. I signed all the documents on this day, and it was recorded/finalized. ( I have a copy of all my documents ). At this time there was only one current ( not late ) payment left on the lease. At the dealership and after speaking with a Supervisor at SETF day before the signing, I was told that it is not a problem including the last payment in the lease buyout ( {$350.00} ). I was told this is the normal procedure at end of lease ( which end of lease was not even due yet ). This payment was not due yet at the time I signed the documents. I even asked since I was told it might take time process the account closing will the payment be late and the Dealer/SETF said not at all, because the date the documents were signed for lease buyout by XXXX XXXX XXXX  guarantees the payment of last lease payment and buyout. And that is the date it will be recorded for payment and closure. Though it might take longer to process. XX/XX/XXXX is the date that my one remaining car payment and lease buyout was finalized and recorded. At this time on XX/XX/XXXX. XXXX XXXX XXXX became my new loan holder for the same previously mentioned vehicle and paid XXXX for the XXXX XXXX XXXX last car payment and any fees due. I have attached copies of all documentation that I received from XXXX of XXXX XXXX XXXX, at the dealership on Saturday, XX/XX/XXXX. I am also attaching a letter From XXXX XXXX confirming as such and the new loan. \nAs previously mentioned, I was told from the local dealer and SETF Corporate ( your office/Company ) it can take a few days to process but it would NEVER be late/reported to the credit bureau, because it was paid in full and lease satisfied on Saturday, XX/XX/XXXX. I triple checked this information. \nIf this was going to happen I would have made the last payment online separate from the lease buyout. But I was told not necessary by XXXX ( last payment as previously mentioned inc in lease buyout ). Never would I imagine getting a late marker with comments on my credit report. \n2 On all three credit reports, it does note account was closed and satisfied, but still shows late marker/delinquency. This is affecting my life by mental stress that this mistake has caused, plus my credit score dropping, and if not corrected will affect my future buying power/credit score.\n\nI have called Southeast Toyota Finance and uploaded similar emails thru my account page and I have heard nothing back. I am only told via phone it will be investigated and no one can help me at this moment, but on their end it shows payment was made on time and account was closed. Representatives of SETF says It takes time. But I do receive daily credit alerts of this issue. Each time I call I ask for a Su\npervisor and they said none are available and one will call me back but I have not heard anything back. \nPLEASE, PLEASE rectify the situation for me, so I do not have to escalate this problem anymore and I can put it behind me. Also remain a happy and loyal XXXX customer. Because right now I am anything but that. \nThank you in advance for all your help and immediate attention to this matter and for a quick resolvement. I look forward to hearing back from SETF and settling/fixing this matter for good ASAP. \nXXXX XXXX","date_sent_to_company":"2024-10-21T03:24:27.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"33026","tags":null,"has_narrative":true,"complaint_id":"10529177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2024-10-21T02:45:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["But I was told not necessary by XXXX ( last payment as previously mentioned inc in <em>lease</em> buyout ). Never would I imagine getting a late marker with comments on my <em>credit</em> <em>report</em>. \n2 On all three <em>credit</em> <em>reports</em>, it does note account was closed and satisfied, but still shows late marker/delinquency. This is affecting my life by mental stress that this mistake has caused, plus my <em>credit</em> score dropping, and if not corrected will affect my future buying power/<em>credit</em> score."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Lease</em>"]},"sort":[15.756236,"10529177"]},{"_index":"complaint-public-v1","_id":"8051146","_score":15.738565,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"on XX/XX/XXXX American Honda Financial, Stole My property a XXXX XXXX XXXX. \nafter sending payments More than once, i Have not received any conformation of any sort from XXXX. they have accepted the 1099 filed and still chose to repossession which is against the law. in my previous complaints to and about AHFC they have still failed to honor instruments that were sent over and over.they are threating to sell the vehicle by the XXXX of XX/XX/XXXX when the lease contract is up in XXXX of XXXX, I have been patient yet AHFC has not been cooperating properly. \n\nin XXXX the Justice Department Obtains Over {$1.00} Million from American Honda Finance Corporation to Compensate Service members Whose Federal Rights Were Violated, The Department of Justice announced today that American Honda Finance Corporation ( AHFC ) has agreed to settle a federal lawsuit alleging that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to servicemembers who lawfully terminated their motor vehicle leases early. Under the settlement agreement, AHFC must pay up to {>= $1,000,000} in compensation to 714 servicemembers who were harmed by the alleged violations '' .I have filed for court proceedings. Honda Finance Settles Discrimination Investigation American Honda Finance Corporation will pay {$24.00} million in compensation and change the way it does business to settle a discrimination case brought by the Justice Department and the Consumer Financial Protection Bureau. The two federal agencies teamed up to investigate complaints about American Honda Finance Corporations unsavory lending practices. Borrowers alleged that Honda Finance was engaged in a pattern of discrimination in its lending practices. Specifically the joint investigation looked at a system of subjective and unsupervised discretion in loan pricing that resulted in XXXX XXXX, XXXX, XXXX XXXX and XXXX borrowers paying higher interest than other loan customers. This was not an isolated instance of a rogue employee doing the wrong thing. The practice was widespread, affecting thousands of minority customers. The DOJ and CFPB coordinated investigation revealed that, on average, XXXX Americans were made to pay more than {$250.00} more than XXXX over the course of the loan ; Hispanics {$200.00} more on average ; and XXXX XXXX {$150.00} more on average. All, because of their race or national origin, not because of their credit-worthiness. \n\nThe crux of the problem was that Honda Finance, like other captive auto lenders, allowed car dealers wide discretion to vary the interest rate beyond that which could be justified by objective factors of credit-worthiness. Often the car buyer will ask the finance manager something like, Whats the best rate you can get me? Or, What do I qualify for? The finance manager comes back with a number that is higher than that initially set by the bank, but the borrower has no idea that is not the lowest rate based on credit-related factors. They have no idea the rate offered is based on race-based prejudice rather than market-based factors. Honda Finance encouraged this behavior with its incentive system that paid the dealers more for loans that included a higher interest markup. One might say that Honda Finance incentivized deceptive or discriminatory conduct.\n\nAs a result of the settlement, Honda will limit the dealers discretion to charge interest rate markups and change the way it pays the dealers to place its loans. Justice Department Civil Rights Division leader XXXX XXXX explained, We believe that Hondas new compensation system balances fair compensation for dealers and fair lending for consumers. We hope that Hondas leadership will spur the rest of the industry to constrain dealer markup in address discriminatory pricing. \n\nIt is not hard to read between the lines. XXXX clearly implies that Honda Finance is not alone. Other dealers and lenders also conspire to offer minorities less favorable terms than they offer to XXXX. Interest should be a function of the cost of credit, related to the ability of the borrower to repay the loan. Whether a borrower has light or dark skin or comes from XXXX, XXXX or Tennessee should be irrelevant to the rate of interest he or she pays. The Equal Credit Opportunity Act ( ECOA ) and other consumer protection laws prohibit discriminatory pricing.\n\nThe landmark settlement was filed this week in the Central District of California. The terms must now be approved by the court..\n\nfrom these reports AHFC still operates in discrimination, fraud, identity theft, harassment and a bunch of other malicious acts.","date_sent_to_company":"2023-12-24T03:40:27.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"8051146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2023-12-24T02:42:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["The DOJ and CFPB coordinated <em>investigation</em> revealed that, on average, XXXX Americans were made to pay more than {$250.00} more than XXXX over the course of the <em>loan</em> ; Hispanics {$200.00} more on average ; and XXXX XXXX {$150.00} more on average. All, because of their race or national origin, not because of their <em>credit</em>-worthiness."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Billing <em>problem</em>"]},"sort":[15.738565,"8051146"]},{"_index":"complaint-public-v1","_id":"2926869","_score":15.354312,"_source":{"product":"Student loan","complaint_what_happened":"I am unable to choose multiple problems I experienced with this company, I can only choose one answer in your profile. I have a problem with company 's collection practices, inability to provide requested bills/invoices, customer service and fraudulent or suspicious activity. On XX/XX/XXXX I opened an Auto Loan in XXXX for an 8-year old XXXX XXXX, it had been 3 years since I financed a vehicle as I was leasing, Prior, I had to voluntary submit my vehicle for repossession. \nI will make sure I will get this in by saying that for the last 6 years prior to XX/XX/XXXX I had been on Repayment plan for Student Loans obtained prior to XXXX with a company called XXXX. This is through relocating to 3 different states and having the same cell ph # for 10 years which they frequently called me on. I had lived in XXXX XXXX for 2 years and been at my employment for 14 months. I had just sent XXXX a monthly payment in early XXXX. On XX/XX/XXXX, I came home to and found a letter in my mail ( not even certified ) that was from my corporate payroll office in XXXX XXXX   notifying me that my wages were going to be garnished with the next pay which was 2 weeks later in the amount of {$89.00} by a company called GCC Services. All the letter contained was a phone number, no address. I called the number to speak to a male representative and after explaining why I was calling he advised me they were Student Loan Collection Company and they had 10 of my loans. I was floored as the one thing I know is that I can not run from  Student Loans and had been in touch with XXXX who had told me in the last 2 years they had all of my loans. Also these loans in question were all acquired from XX/XX/XXXX-XX/XX/XXXX when I attended XXXX XXXX ( online ) XXXX, XXXX. I was informed via email and by XXXX about a year prior that those loans are being investigated as the school was deemed unaccredited and I would be informed when and if I would begin repayment. I asked the Rep to provide me with an address, provided ALL of my contact information, including email and asked for detailed statements/bills of each loan as I have never received anything. I never received anything from the company. I went to an attorney 4 days later and started bankruptcy proceedings, my Chapter XXXX was confirmed on XX/XX/XXXX. I was encouraged to include my vehicle. There was one garnishment payment that was deducted from my payroll and it was refunded a month later via Chapter XXXX, however, once finalized I was informed by my corporate payroll office that on XX/XX/XXXX, the company actually sent a \" cancellation of wage garnishment '' but I cant find out why. This was in XXXX when I learned this and about 3 weeks later, towards end of XXXX, I called GCC Services back ( XXXX, XXXX ) and asked why I didn't receive anything. First he asked, have you tried creating account and going online, which I did, but unsuccessful because I received never ending time capsule that never allowed me to access site. However, I was promised the information. Then he informed me that he now cant find anything as far as statements because my loans were sent back to the Dept of Education and they no longer had them. I also want to add that when I went to gccservices website there was an entire page dedicated to \" How Wage Garnishment Begins '' which none of it pertained to the way I was notified. I brought this up in my conversation with GCC to which I don't remember a response. Gcc services opened up a whole can or worms and left me clean up before they even spread. However if you pull my credit report I have duplicate entries of these particular student loans and I am still under the belief that they are still under investigation. Improper collection practices to include notification. I know that debt collection companies even for student loans are held to these standards","date_sent_to_company":"2018-06-07T16:44:34.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"44134","tags":null,"has_narrative":true,"complaint_id":"2926869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ORG GC GP BUYER, LLC","date_received":"2018-06-05T23:20:19.000Z","state":"OH","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["However if you pull my <em>credit</em> <em>report</em> I have duplicate entries of these particular student <em>loans</em> and I am still under the belief that they are still under <em>investigation</em>. Improper collection practices to include notification. I know that debt collection companies even for student <em>loans</em> are held to these standards"],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"],"sub_issue":["Need information about your <em>loan</em> balance or <em>loan</em> terms"]},"sort":[15.354312,"2926869"]},{"_index":"complaint-public-v1","_id":"4129823","_score":15.201424,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a credit application with Mercedes Benz of XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called Mercedes-Benz Financial Services directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at Mercedes Benz of XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.","date_sent_to_company":"2021-02-10T16:13:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"4129823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2021-02-10T15:34:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I submitted a <em>credit</em> application with Mercedes Benz of XXXX for an auto <em>lease</em> which I was well qualified for and received, however, shortly after receiving the <em>vehicle</em> I received a notification from one of my <em>credit</em> cards that also does <em>credit</em> monitoring that there was a change to my <em>credit</em> <em>report</em>. When I <em>investigated</em> further I saw that the dealership had done a hard pull of my <em>credit</em> EIGHT times. As a result my <em>credit</em> score dropped over 30 points."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.201424,"4129823"]},{"_index":"complaint-public-v1","_id":"4129831","_score":15.18527,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a credit application with XXXX XXXX XXXX XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called XXXX XXXX XXXX directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at XXXX XXXX XXXX XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.","date_sent_to_company":"2021-02-10T16:13:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"4129831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-10T16:13:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I submitted a <em>credit</em> application with XXXX XXXX XXXX XXXX for an auto <em>lease</em> which I was well qualified for and received, however, shortly after receiving the <em>vehicle</em> I received a notification from one of my <em>credit</em> cards that also does <em>credit</em> monitoring that there was a change to my <em>credit</em> <em>report</em>. When I <em>investigated</em> further I saw that the dealership had done a hard pull of my <em>credit</em> EIGHT times. As a result my <em>credit</em> score dropped over 30 points."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.18527,"4129831"]},{"_index":"complaint-public-v1","_id":"3573975","_score":14.778558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like to start by saying there was no accurate option to choose the problem but I cant continue / press next without choosing one. \n\nI have been denied for a car lease from XXXX XXXX XXXX and this is my XXXX lease and all completed perfectly. While I have several non legitimate items on my credit report, that for two months now I myself have been trying to dispute directly with these places along with trans union, XXXX  and XXXX  they will not allow me to do this for log in situations, not responding, not letting me add to a dis put that I have pending ( see weeks ago I had no issue logging in but suddenly I cant plus since it says one is pending I cant do a thing ). While I have less than two weeks left of owning a vehicle they flat out denied my application yet I cant get the help needed to correct items. I have legitimate items on my credit report and I get that. That shouldnt matter in terms of my credit score that changes by the minute now that I signed up for XXXX XXXX and XXXX XXXX. Amazing. Up XXXX points in a day and down XXXX the next day and so on. So while I am cognizant of what tragic events are taking place in this world I use your online website that is available as you state and all calls are long wait times. I can not be successful with no tools / nothing but hassle and making my credit score worse. So I disputed 3 Things on XXXX XXXX and all were removed so it says. They were wrong and fraudulent and not right that people and places can have that affect on my life. \n\nAdditionally XXXX XXXX XXXX who declined me is reporting non payment or late which isnt true and also reporting 2-3 times a month. They can not do that nor can this be allowed to get placed on my credit report. There are so many others things there are wrong and I have no time left now. I have tenure / loyalty with one leasing company for 19 yrs. being XXXX AND XXXX and therefore I willl not get approved anywhere else and they are the only ones I have a chance with. I have a loan modicadok in process my mortgage was sold last year and it states my lender has been my lender since XXXX and Im sorry jt was XXXX XXXX until XXXX So Im on hold not wanting to call and bother your employees but for tbe 4th day its been over 1 hour and I am sick and cant do this anymore. So I have a dispute that there was no space to even write details so you are investigating a dispute without details as I could write 2 sentences. I wrote I needed to add it so it can be done legal and accurate but I cant because of your site and yet I dont get a call or email? I dont have time to write a big long letter and make copies and get to you and wait who knows how long. I will have turned it in without a car and pay all the the Turn in fees yet as I always have I lease right away and those are waived. This is so wrong.","date_sent_to_company":"2020-04-30T17:42:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"852XX","tags":null,"has_narrative":true,"complaint_id":"3573975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-20T16:37:52.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I would like to start by saying there was no accurate option to choose the <em>problem</em> but I cant continue / press next without choosing one. \n\nI have been denied for a car <em>lease</em> from XXXX XXXX XXXX and this is my XXXX <em>lease</em> and all completed perfectly."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.778558,"3573975"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":45,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":45}]}},"product":{"doc_count":45,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":14}]}},{"key":"Credit reporting, credit repair services, 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